Post-Effective Amendment
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 485BPOS Post-Effective Amendment 168± 811K
2: EX-99 Miscellaneous Exhibit 2± 8K
3: EX-99 Miscellaneous Exhibit 3 12K
4: EX-99 Miscellaneous Exhibit 3 12K
5: EX-99 Miscellaneous Exhibit 3 12K
6: EX-99 Miscellaneous Exhibit 2 8K
7: EX-99 Miscellaneous Exhibit 1 6K
8: EX-99 Miscellaneous Exhibit 35 101K
EX-99 — Miscellaneous Exhibit
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EX-99.4o
JACKSON NATIONAL LIFE [GRAPHIC OMITTED]
INSURANCE COMPANY
2900 Westchester Avenue OF NEW YORK
Purchase, New York 10577 A STOCK COMPANY
================================================================================
3% CONTRACT ENHANCEMENT ENDORSEMENT
THIS ENDORSEMENT IS MADE A PART OF THE CONTRACT TO WHICH IT IS ATTACHED AND IS
EFFECTIVE ON THE ISSUE DATE. TO THE EXTENT ANY PROVISIONS CONTAINED IN THIS
ENDORSEMENT ARE CONTRARY TO OR INCONSISTENT WITH THOSE OF THE CONTRACT TO WHICH
IT IS ATTACHED, THE PROVISIONS OF THIS ENDORSEMENT WILL CONTROL. THE BENEFITS
DESCRIBED IN THIS ENDORSEMENT WILL CEASE UPON TERMINATION OF THE CONTRACT. THE
CONTRACT ENHANCEMENT MAY ONLY BE ELECTED PRIOR TO THE ISSUE DATE. THE CONTRACT
IS AMENDED AS FOLLOWS:
1. The CONTRACT DATA PAGE is amended by the addition of the following:
"CONTRACT ENHANCEMENT CHARGE. On an annual basis, this charge equals 0.42% of
the daily net asset value of the Portfolio(s) and is assessed for the first
seven Contract Years. This charge will also be assessed by the Company for the
first seven Contract Years against the Guaranteed Period(s), resulting in an
annual Initial Guaranteed Rate and Subsequent Guaranteed Rate of 0.42% less than
the annual Initial Guaranteed Rate and Subsequent Guaranteed Rate that would
apply to the same Guaranteed Period(s) if the Contract Enhancement had not been
elected. However, in no event will the Initial Guaranteed Rate and Subsequent
Guaranteed Rate credited to any Guaranteed Period(s) be less than 3%.
RECAPTURE CHARGE.
Contribution Year of Recapture Charge
-------------------- ----------------
Premium Payment Percentage
--------------- ----------
1 and 2 3%
3, 4 and 5 2%
6 and 7 1%
8+ 0%"
2. The following is added to the DEFINITIONS contained in the contract:
"CONTRACT ENHANCEMENT. The Company will add a credit to the Separate Account
Contract Value and/or the Guaranteed Period Contract Value equal to 3% of each
Premium received during the first Contract Year. The Contract Enhancement will
be allocated to the Portfolio(s) and/or Guaranteed Period(s) in the same
proportion as the Corresponding Premium. The Contract Enhancement is not
credited to Premium received after the first Contract Year.
CORRESPONDING PREMIUM. Premium allocated to the Portfolio(s) and/or Guaranteed
Period(s) during the first Contract Year that has received a Contract
Enhancement."
3. The GENERAL PROVISIONS of the contract is amended by the addition of the
following provision:
7352NY
"CONTRACT ENHANCEMENT. The Company will credit 3% of each Premium payment
received during the first Contract Year in exchange for the deduction of the
Contract Enhancement Charge as set forth on the contract data page. The Contract
Enhancement Charge is deducted daily from the Portfolio(s) as part of the
Accumulation Unit value calculation and lowers the Initial Guaranteed Rate and
Subsequent Guaranteed Rate credited on your Guaranteed Period(s). Thus, the
Contract Enhancement Charge affects your Contract Value, which includes all
Premium payments made to the contract in the first seven Contract Years, the
Contract Enhancement and the earnings, if any, on such amounts for the first
seven Contract Years. The Company will take back (recapture) the Contract
Enhancement in accordance with the Recapture Charge schedule on the contract
data page whenever a withdrawal of the Corresponding Premium is made, subject to
the Recapture Charge provisions.
Your Contract Value will reflect any gains or losses attributable to a Contract
Enhancement. Contract Enhancements, and any gains or losses attributable to a
Contract Enhancement, distributed under Your contract will be considered
earnings under the contract for tax purposes."
4. The INTEREST RATE ADJUSTMENT provision of the ACCUMULATION PROVISIONS FOR
GUARANTEED PERIOD is amended by the addition of the following sentence:
"I and J will not include any Contract Enhancement or Contract Enhancement
Charge."
5. The WITHDRAWAL PROVISIONS of the contract are amended by deleting and
replacing the third paragraph of the WITHDRAWAL CHARGE section with the
following:
"The Withdrawal Charge and Recapture Charge will be deducted from the remaining
Contract Value such that the actual reduction in Contract Value as a result of
the withdrawal may be greater than the withdrawal amount requested and paid. For
purposes of determining the Withdrawal Charge and Recapture Charge, withdrawals
will be allocated first to earnings, if any (which may be withdrawn free of
Withdrawal Charge and Recapture Charge), and then to Premium to which the lowest
(if any) Withdrawal Charges and Recapture Charges apply. The Withdrawal Charge
and Recapture Charge are based on the portion of the Premiums withdrawn."
6. The WITHDRAWAL PROVISIONS are amended by the addition of the following
section:
"RECAPTURE CHARGE. The Contract Enhancement will be recaptured whenever a
withdrawal of the Corresponding Premium is made or upon the exercise of the
Right to Examine period, in accordance with the Recapture Charge schedule set
forth on the contract data page. The amount recaptured will be taken from the
Portfolio(s) and the Guaranteed Period(s) in the same proportion as the
Withdrawal Charge. The Recapture Charge will be waived in the same manner as the
Withdrawal Charge in the Death Benefit Provisions and Free Withdrawal Provisions
in the Contract. The Company will waive the Recapture Charge on any withdrawal
necessary to satisfy the minimum distribution requirements of the Internal
Revenue Code. If You request an amount greater than the required minimum
distribution for this contract, the entire withdrawal may be subject to any
applicable Recapture Charge.
7352NY
The Recapture Charge percentage is applied to the entire remaining Corresponding
Premium in the seventh Contract Year or earlier that had been credited with the
Contract Enhancement."
SIGNED FOR THE JACKSON NATIONAL LIFE INSURANCE
COMPANY OF NEW YORK
/S/ CLARK P. MANNING
PRESIDENT AND CHIEF EXECUTIVE OFFICER
7352NY
4 Subsequent Filings that Reference this Filing
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