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      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0001007010</cik>
          <ccc>XXXXXXXX</ccc>
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      <flags>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <investmentCompanyType>N-6</investmentCompanyType>
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        <rptIncludeAllClassesFlag>true</rptIncludeAllClassesFlag>
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    <generalInfo reportEndingPeriod="2025-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>Jackson VFL Variable Life Separate Account</registrantFullName>
      <investmentCompFileNo>811-07569</investmentCompFileNo>
      <registrantCik>0001007010</registrantCik>
      <registrantLei>549300N2PJRJP5Z0V403</registrantLei>
      <registrantstreet1>1 Corporate Way</registrantstreet1>
      <registrantcity>Lansing</registrantcity>
      <registrantzipCode>48951</registrantzipCode>
      <registrantstate>US-MI</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>5173815500</registrantphoneNumber>
      <websites>
        <website webpage="N/A"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>Jackson National Life Insurance Company</officeName>
          <officeAddress1>1 Corporate Way</officeAddress1>
          <officeCity>Lansing</officeCity>
          <officeStateCountry officeState="US-MI" officeCountry="US"/>
          <officeRecordsZipCode>48951</officeRecordsZipCode>
          <officePhone>5173815500</officePhone>
          <booksRecordsDesc>The accounts, books, and other documents required to be maintained by Registrant pursuant to section 31(a) of the Investment Company Act of 1940 and the Rules thereunder.</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>DXC Technology Co</officeName>
          <officeAddress1>100 Centerview Drive, Ste 220</officeAddress1>
          <officeCity>Nashville</officeCity>
          <officeStateCountry officeState="US-TN" officeCountry="US"/>
          <officeRecordsZipCode>37214-3439</officeRecordsZipCode>
          <officePhone>8607544575</officePhone>
          <booksRecordsDesc>The accounts, books, and other documents required to be maintained by Registrant pursuant to section 31(a) of the Investment Company Act of 1940 and the Rules thereunder.</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>Jackson National Life Insurance Company</officeName>
          <officeAddress1>225 West Wacker Drive</officeAddress1>
          <officeAddress2>Suite 1200</officeAddress2>
          <officeCity>Chicago</officeCity>
          <officeStateCountry officeState="US-IL" officeCountry="US"/>
          <officeRecordsZipCode>60606</officeRecordsZipCode>
          <officePhone>3123381525</officePhone>
          <booksRecordsDesc>The accounts, books, and other documents required to be maintained by Registrant pursuant to section 31(a) of the Investment Company Act of 1940 and the Rules thereunder.</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>PHL Variable Insurance Company</officeName>
          <officeAddress1>One American Row</officeAddress1>
          <officeCity>Hartford</officeCity>
          <officeStateCountry officeState="US-CT" officeCountry="US"/>
          <officeRecordsZipCode>06102-5056</officeRecordsZipCode>
          <officePhone>8604035000</officePhone>
          <booksRecordsDesc>The accounts, books, and other documents required to be maintained by Registrant pursuant to section 31(a) of the Investment Company Act of 1940 and the Rules thereunder.</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>N</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <registrantFamilyInvComp isRegistrantFamilyInvComp="Y" familyInvCompFullName="Jackson National Life Insurance Company"/>
      <registrantClassificationType>N-6</registrantClassificationType>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Heidi Kaiser</ccoName>
          <crdNumber>003001204</crdNumber>
          <ccoStreet1>1 Corporate Way</ccoStreet1>
          <ccoCity>Lansing</ccoCity>
          <ccoStateCountry ccoState="US-MI" ccoCountry="US"/>
          <ccoZipCode>48951</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <isExemptionFromAct>N</isExemptionFromAct>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>Jackson National Life Distributors LLC</principalUnderwriterName>
          <principalUnderwriterFileNumber>8-48984</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000040178</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>N/A</principalUnderwriterLei>
          <principalUnderwriterRssdId>N/A</principalUnderwriterRssdId>
          <principalUnderWriterStateCountry principalUnderWriterState="US-TN" principalUnderWriterCountry="US"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>KPMG LLP</publicAccountantName>
          <pcaobNumber>00185</pcaobNumber>
          <publicAccountantLei>5493003PVCIGA21K0K42</publicAccountantLei>
          <publicAccountantRssdId>N/A</publicAccountantRssdId>
          <publicAccountantStateCountry publicAccountantState="US-IL" publicAccountantCountry="US"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
    </registrantInfo>
    <unitInvestmentTrust>
      <depositors>
        <depositor>
          <depositorName>Jackson National Life Insurance Company</depositorName>
          <depositorCrdNo>N/A</depositorCrdNo>
          <depositorLei>8IM72RBRSPXY5ZCXZB30</depositorLei>
          <depositorRssdId>N/A</depositorRssdId>
          <depositorStateCountry depositorState="US-MI" depositorCountry="US"/>
          <depositorUltimateParentname>Jackson Financial Inc.</depositorUltimateParentname>
        </depositor>
      </depositors>
      <uitAdmins>
        <uitAdmin>
          <uitAdminName>Jackson National Asset Management, LLC</uitAdminName>
          <uitAdminLei>5493007VBHOLN7EP1418</uitAdminLei>
          <uitAdminRssdId>N/A</uitAdminRssdId>
          <uitAdminStateCountry uitAdminState="US-IL" uitAdminCountry="US"/>
          <isUitAdminAffiliated>Y</isUitAdminAffiliated>
          <isUitAdminSubAdmin>N</isUitAdminSubAdmin>
        </uitAdmin>
        <uitAdmin>
          <uitAdminName>DXC Technology Co</uitAdminName>
          <uitAdminLei>549300DOVZ3EDJB7O259</uitAdminLei>
          <uitAdminRssdId>N/A</uitAdminRssdId>
          <uitAdminStateCountry uitAdminState="US-TN" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>Y</isUitAdminSubAdmin>
        </uitAdmin>
        <uitAdmin>
          <uitAdminName>PHL Variable Insurance Company</uitAdminName>
          <uitAdminLei>549300VSYUG44HATXP79</uitAdminLei>
          <uitAdminRssdId>N/A</uitAdminRssdId>
          <uitAdminStateCountry uitAdminState="US-CT" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>Y</isUitAdminSubAdmin>
        </uitAdmin>
      </uitAdmins>
      <isUitAdminHiredTerminated>N</isUitAdminHiredTerminated>
      <registrantSeparateInsuranceAccount isRegistrantSeparateInsuranceAccount="Y" separateAccountSeriesId="S000007654"/>
      <numOfContracts>391</numOfContracts>
      <contractSecurities>
        <contractSecurity separateAccountSecurityName="Capital Select Variable Universal Life  " separateAccountContractId="C000124624" separateAccountTotalAsset="21074088.620000000000" numContractsSold="0" grossPremiumReceived="497477.990000000000" grossPremiumReceivedSection1035="0.000000000000" numContractsAffected="0" contractValueRedeemed="1568028.300000000000" contractValueRedeemedSection1035="4710.540000000000" numContractsAffectedRedeemed="3"/>
        <contractSecurity separateAccountSecurityName="Dimension Four                          " separateAccountContractId="C000124632" separateAccountTotalAsset="1422006.270000000000" numContractsSold="0" grossPremiumReceived="35682.900000000000" grossPremiumReceivedSection1035="0.000000000000" numContractsAffected="0" contractValueRedeemed="381230.790000000000" contractValueRedeemedSection1035="20946.130000000000" numContractsAffectedRedeemed="10"/>
        <contractSecurity separateAccountSecurityName="Dimension One" separateAccountContractId="C000124628" separateAccountTotalAsset="9032880.110000000000" numContractsSold="0" grossPremiumReceived="140254.260000000000" grossPremiumReceivedSection1035="651.360000000000" numContractsAffected="3" contractValueRedeemed="933410.170000000000" contractValueRedeemedSection1035="294714.010000000000" numContractsAffectedRedeemed="8"/>
        <contractSecurity separateAccountSecurityName="Dimension Two                           " separateAccountContractId="C000124629" separateAccountTotalAsset="469985.180000000000" numContractsSold="0" grossPremiumReceived="300.000000000000" grossPremiumReceivedSection1035="0.000000000000" numContractsAffected="0" contractValueRedeemed="3673.850000000000" contractValueRedeemedSection1035="0.000000000000" numContractsAffectedRedeemed="0"/>
      </contractSecurities>
      <isRule6C7Reliance>N</isRule6C7Reliance>
      <isRule11A2Reliance>N</isRule11A2Reliance>
      <isRule12D1Dash4Reliance>N</isRule12D1Dash4Reliance>
      <isRule12D1GReliance>N</isRule12D1GReliance>
    </unitInvestmentTrust>
    <signature registrantSignedName="Jackson VFL Variable Life Separate Account" signedDate="2026-03-12" signature="Heidi L. Kaiser" title="Chief Compliance Officer"/>
  </formData>
</edgarSubmission>
