AMENDMENT NO. 13                        EX-7f
                                     to the

                   VARIABLE ANNUITY GMIB REINSURANCE AGREEMENT

                             EFFECTIVE MARCH 1, 2005

                                     Between

                     JACKSON NATIONAL LIFE INSURANCE COMPANY
                               ("CEDING COMPANY")

                                       and

                        ACE TEMPEST LIFE REINSURANCE LTD.
                                  ("REINSURER")



Effective April 6, 2009, this Amendment is hereby attached to and becomes a part
of the  above-described  Reinsurance  Agreement.  It is mutually agreed that the
Agreement will be amended to correct the reinsurance  premium rates for policies
that  convert to the new  Guaranteed  Minimum  Death  Benefits.  To effect these
changes, the following provision of this Agreement is hereby amended:

|X|  Schedule D, QUARTERLY  REINSURANCE PREMIUM RATE,  Amendment # 12, is hereby
     replaced by the attached Schedule D.




Jackson National Life Insurance Company        ACE Tempest Life Reinsurance Ltd.


By  ____Lisa C. Drake____________________      By  _____Huan Tseng______________

Name __Lisa C. Drake____________________       Name ___Huan Tseng_______________

Title  _SVP & Chief Actuary_______________     Title SVP & Chief Pricing Officer

Date  __6/15/2009________________________      Date ___June 4, 2009_____________









                                   SCHEDULE D

                       QUARTERLY REINSURANCE PREMIUM RATE

The QUARTERLY  REINSURANCE  PREMIUM RATE, subject to the terms and conditions of
this  Agreement,  is shown in the table below for each GMIB TYPE.  It applies to
all CONTRACT  TYPEs,  and is  guaranteed  while the  reinsurance  coverage is in
effect.



GMIB TYPE FORM NUMBER                                         QUARTERLY RATE

If has not elected GMDB forms 7557, 7558, 7559, 7560, 7596, 7597, 7598, 7599:

7454, 7485, 7485A WA, 7485A WA Unisex                X.XXXX
7524, 7524A WA, 7524A WA Unisex                      X.XXXX
7551, 7551A WA, 7551A WA Unisex                      X.XXXX

If has elected GMDB forms 7557, 7558, 7559, 7560, 7596, 7597, 7598, 7599:

7454, 7485, 7485A WA, 7485A WA Unisex                X.XXXX
7524, 7524A WA, 7524A WA Unisex                      X.XXXX
7551, 7551A WA, 7551A WA Unisex                      X.XXXX








JNL ACE 2005 TREATY SCHEDULE D AMENDMENT # 13