485BPOS 1 four85bfocus.htm

As filed with the Securities and Exchange Commission on September 25, 2015
Commission File Nos.  333-73850
811-08664


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

FORM N-4


REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

 
Pre-Effective Amendment No.
[  ]
     
 
Post-Effective Amendment No. 38
[X]
   
and/or


REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

 
Amendment No.  531
[X]


JACKSON NATIONAL SEPARATE ACCOUNT - I
(Exact Name of Registrant)


JACKSON NATIONAL LIFE INSURANCE COMPANY
(Name of Depositor)


1 Corporate Way, Lansing, Michigan 48951
(Address of Depositor's Principal Executive Offices)

Depositor's Telephone Number, including Area Code: (517) 381-5500

Andrew J. Bowden, Esq., Senior Vice President, Secretary and General Counsel
Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951
(Name and Address of Agent for Service)

Copy to:
Frank J. Julian, Esq., Assistant Vice President, Legal
Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951



Approximate Date of Proposed Public Offering:
   
It is proposed that this filing will become effective (check appropriate box)
[   ]
immediately upon filing pursuant to paragraph (b)
[X]
on September 28, 2015 pursuant to paragraph (b)
[   ]
60 days after filing pursuant to paragraph (a)(1)
[   ]
on (date) pursuant to paragraph (a)(1).
 
If appropriate, check the following box:
[  ]
this post-effective amendment designates a new effective date for a previously filed post-effective amendment
 
Title of Securities Being Registered: the variable portion of Flexible Premium Fixed and Variable Deferred Annuity contracts




EXPLANATORY NOTE:  This Amendment to the Registration Statement on Form N-4 (the "Registration Statement") is being filed pursuant to Rule 485(b) under the Securities Act of 1933, as amended, for the purpose of filing supplements to the prospectus and statement of additional information.  Part C is also amended as reflected therein.  Except as heretofore amended, this Amendment does not otherwise delete, amend, or supersede any prospectus, statement of additional information, exhibit, undertaking, or other information contained in the Registration Statement, which are hereby incorporated by reference to the extent required and/or permitted by applicable law.


Supplement Dated September 28, 2015
To The Prospectus Dated April 27, 2015 For
PERSPECTIVE FOCUS
FIXED AND VARIABLE ANNUITY®
Issued By JACKSON NATIONAL LIFE INSURANCE COMPANY®
Through JACKSON NATIONAL SEPARATE ACCOUNT – I
This supplement updates the above-referenced prospectus. Please read and keep it together with your prospectus for future reference. To obtain an additional copy of the prospectus, please contact us at our Annuity Service Center, P.O. Box 30314, Lansing, Michigan, 48909-7814; 1-800-644-4565; www.jackson.com.
CHANGES TO THE INVESTMENT DIVISIONS.

A.
Fund Mergers

► Effective September 28, 2015, the JNL/Mellon Capital Dow Jones U.S. Contrarian Opportunities Index Fund (a "Previously Offered Fund") merged into the JNL/Mellon Capital S&P 400 MidCap Index Fund (a "Currently Offered Fund") and the JNL/Mellon Capital 25 Fund (a "Previously Offered Fund") merged into the JNL/S&P 4 Fund (a "Currently Offered Fund").

If you have allocation instructions for future premium payments on file with us, or have existing Dollar Cost Averaging, Dollar Cost Averaging Plus, Earnings Sweep and/or Rebalancing automatic programs, that include an allocation to an Investment Division investing in a Previously Offered Fund, all such allocations prior to our receipt of new allocation instructions from you will be allocated to the Investment Division investing in the corresponding Currently Offered Fund.

If you have Contract Value that was transferred to an Investment Division investing in a Currently Offered Fund as a result of a merger, you may transfer all or a portion of your Contract Value out of such Investment Division into the other investment options available under your contract. If the transfer is completed within 60 days following September 28, 2015, the transfer will not be assessed a transfer charge or be treated as a transfer for the purpose of determining how many subsequent transfers may be made in a Contract Year without charge.

If you want to change your allocation instructions or make a transfer as described above, and you require descriptions of the other Investment Divisions available under your contract, you can obtain an additional copy of the product prospectus or additional copies of prospectuses for the Funds underlying the Investment Divisions by contacting our Annuity Service Center.

For additional information, please see the Supplements dated September 28, 2015 for the JNL® Series Trust and the JNL Variable Fund LLC.

The prospectus is revised as follows:

a)
The following disclosure is inserted on the back of the front page of the prospectus following the list of Funds and under Appendix F, "ACCUMULATION UNIT VALUES", immediately preceding the tables of Accumulation Unit Values:

In addition, the following two Previously Offered Funds merged into the corresponding Currently Offered Funds, effective September 28, 2015:

Previously Offered Funds
Currently Offered Funds
JNL/Mellon Capital Dow Jones U.S. Contrarian Opportunities Index Fund
JNL/Mellon Capital S&P 400 MidCap Index Fund
JNL/Mellon Capital 25 Fund
JNL/S&P 4 Fund

b)
All other references to the Previously Offered Funds, along with any corresponding Fund expense or investment objective information, are deleted from the following sections of the prospectus:
i.
The list of Funds beginning on the front page of the prospectus;
ii.
The fee table titled "Total Annual Fund Operating Expenses" under the section titled "FEES AND EXPENSES TABLES"; and
iii.
The section titled "INVESTMENT DIVISIONS".

Page 1 of 5

B.
New Funds, Fund Name Changes, Sub-Adviser Changes, Fund Operating Expenses Changes and Investment Objective Changes

► New Funds. Effective September 28, 2015, two new Investment Divisions, which invest respectively in the JNL/DoubleLine® Total Return Fund and the JNL/PIMCO Credit Income Fund, are available.

The prospectus is revised as follows:

a)
The Jackson Variable Series Trust and the following Funds are added to the Fund list located on the back of the front page of the prospectus:

Jackson Variable Series Trust
JNL/DoubleLine® Total Return Fund
JNL/PIMCO Credit Income Fund

b)
Under the section titled "CONTRACT CHARGES", in the subsection titled "Other Expenses", the third sentence is deleted and replaced as follows:

These expenses are described in the attached summary prospectuses for the JNL Series Trust, the JNL Variable Fund LLC, the JNL Investors Series Trust, and the Jackson Variable Series Trust.

c)
Under Appendix F, "ACCUMULATION UNIT VALUES", the following paragraphs are added immediately preceding the tables of Accumulation Unit Values:

Effective September 28, 2015, there are new Investment Divisions for which Accumulation Unit information is not yet available. The new Investment Divisions invest in the following Funds:

Jackson Variable Series Trust
JNL/DoubleLine® Total Return Fund
JNL/PIMCO Credit Income Fund

► Fund Name Changes. Effective September 28, 2015, the following Fund names changed. All references in the prospectus to the Prior Fund Names are revised to the corresponding Current Fund Name as follows:

Prior Fund Name
Current Fund Name
JNL/BlackRock Commodity Securities Strategy Fund
JNL/BlackRock Natural Resources Fund
JNL/Eagle SmallCap Equity Fund
JNL Multi-Manager Small Cap Growth Fund
JNL/Franklin Templeton Small Cap Value Fund
JNL Multi-Manager Small Cap Value Fund
JNL/JPMorgan International Value Fund
JNL/Causeway International Value Select Fund
JNL/Mellon Capital DowSM 10 Fund
JNL/Mellon Capital DowSM Index Fund
JNL/Mellon Capital Global 15 Fund
JNL/Mellon Capital Global 30 Fund

► Sub-Adviser Changes. The following sub-adviser changes are effective September 28, 2015:

a)
Granahan Investment Management, Inc., LMCG Investments, LLC, and RS Investment Management Co. LLC replaced Eagle Asset Management, Inc. as the sub-advisers for the JNL/Eagle SmallCap Equity Fund. In connection with the change of sub-adviser, the name of the JNL/Eagle SmallCap Equity Fund changed to the JNL Multi-Manager Small Cap Growth Fund.

b)
Century Capital Management, LLC, Chicago Equity Partners, LLC, Cooke & Bieler L.P., and Cortina Asset Management, LLC replaced Franklin Advisory Services, LLC as the sub-adviser for the JNL/Franklin Templeton Small Cap Value Fund. In connection with the change of sub-adviser, the name of the JNL/Franklin Templeton Small Cap Value Fund changed to the JNL Multi-Manager Small Cap Value Fund.

c)
Causeway Capital Management LLC replaced J.P. Morgan Investment Management Inc. as the sub-adviser for the JNL/JPMorgan International Value Fund. In connection with the change of sub-adviser, the name of the JNL/JPMorgan International Value Fund changed to the JNL/Causeway International Value Select Fund.

Page 2 of 5

► Fund Operating Expenses Changes. Effective September 28, 2015, the prospectus is revised as follows:

Under the section titled "FEES AND EXPENSES TABLES", the fee tables titled "Total Annual Fund Operating Expenses," are revised by adding the information for the JNL/DoubleLine® Total Return Fund and  JNL/PIMCO Credit Income Fund as follows:

 
Fund Operating
Expenses
 
(As an annual percentage of each Fund's average
daily net assets)
 
Fund Name
 
Management
Fee
 
 
Distribution
and/or Service
(12b-1) Fees
 
Other Expenses
 
 
Acquired Fund
Fees and Expenses
 
Total
Annual Fund Operating Expenses
 
Contractual
Fee Waiver
and/or Expense Reimbursement
 
Net Total Annual  Fund Operating Expenses
 
Jackson Variable Series Trust
JNL/DoubleLine® Total Return
0.50%
0.20% K
0.17% G,K
0.01%
0.88% K
(0.02%) C,K
0.86% C,K

Fund Operating Expenses
 
(As an annual percentage of each Fund's average daily net assets)
Fund Name
 
Management
Fee
 
Distribution and/or
Service
 (12b-1) Fees
 
Other Expenses 
 
Acquired Fund
Fees and Expenses 
 
Total Annual Fund Operating Expenses
 
Jackson Variable Series Trust
JNL/PIMCO Credit Income Fund
0.40%
0.20% K
0.17% G,K
0.00%
0.77% K

C JNAM has entered into a contractual agreement with the Fund under which it will waive a portion of its advisory fee for at least one year from the date of this Prospectus. Thereafter, the waiver will automatically renew for one-year terms unless the Adviser provides written notice of the termination of the agreement to the Board of Trustees within 30 days of the end of the then current term.

G "Other Expenses" include an Administrative Fee of 0.15% which is payable to Jackson National Asset Management, LLC ("JNAM" or "Adviser").

K Administrative fees, Distribution and/or service (12b-1) fees, and/or contractual fee waivers have been restated to reflect changes in the fee rates effective April 27, 2015.

► Investment Objective Changes.  Effective September 28, 2015, the prospectus is revised as follows:

a)
Under the section titled "INVESTMENT DIVISIONS", the brief statements of the corresponding investment objective for the following Funds are revised as follows, whether or not in connection with a name or sub-adviser change or the addition of new Funds:

JNL Series Trust
JNL/BlackRock Natural Resources Fund (formerly, JNL/BlackRock Commodity Securities Strategy Fund)
Jackson National Asset Management, LLC (and BlackRock Investment Management, LLC)
Seeks long-term capital growth by investing primarily in equity securities of companies with substantial natural resource assets. Under normal circumstances, the Fund will invest at least 80% of its assets in companies with substantial natural resource assets or in securities the value of which is related to the market value of some natural resource asset. The Fund may invest in securities of issuers with any market capitalization. There are no geographic limits on the Fund's investments.
JNL Multi-Manager Small Cap Growth Fund (formerly, JNL/Eagle SmallCap Equity Fund)
Jackson National Asset Management, LLC (and Granahan Investment Management, Inc., LMCG Investments, LLC, and RS Investment Management Co. LLC)
Seeks long-term capital appreciation by investing, under normal circumstances, at least 80% of its assets in a variety of small cap growth strategies managed by unaffiliated investment managers.
Page 3 of 5
JNL Multi-Manager Small Cap Value Fund (formerly, JNL/Franklin Templeton Small Cap Value Fund)
Jackson National Asset Management, LLC (and Century Capital Management, LLC, Chicago Equity Partners, LLC, Cooke & Bieler L.P., and Cortina Asset Management LLC)
Seeks long-term total return by investing, under normal market conditions, at least 80% of its assets in a variety of small cap value strategies managed by unaffiliated investment managers.
JNL/Causeway International Value Select Fund (formerly, JNL/JPMorgan International Value Fund)
Jackson National Asset Management, LLC (and Causeway Capital Management LLC)
Seeks long-term growth of capital income by investing, under normal circumstances, in common stocks of companies located in developed countries outside the U.S. The Fund invests at least 80% of its assets in stocks of companies located in at least ten foreign countries and invests the majority of its total assets in companies that pay dividends or repurchase their shares.
JNL/Mellon Capital Small Cap Index Fund
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks to match the performance of the S&P SmallCap 600 Index and provide long-term growth of capital by investing in equity securities of small- to mid-size domestic companies.  The Fund, under normal circumstances, invests at least 80% of its assets in the stocks included in the S&P SmallCap 600 Index in proportion to their market capitalization weighting in the Index.
JNL Variable Fund LLC
JNL/Mellon Capital DowSM Index Fund (formerly, JNL/Mellon Capital DowSM 10 Fund)
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through a combination of capital appreciation and dividend income by investing in the common stocks of the thirty companies included in the Dow Jones Industrial Average ("DJIA"), with the weight of each stock in the Fund substantially corresponding to the weight of such stock in the DJIA.
JNL/Mellon Capital Global 30 Fund (formerly, JNL/Mellon Capital Global 15 Fund)
Jackson National Asset Management, LLC (and Mellon Capital Management Corporation)
Seeks total return through a combination of capital appreciation and dividend income by investing approximately equal amounts in the common stocks of certain companies which are components of the Dow Jones Industrial Average, the Financial Times Ordinary Index and the Hang Seng Index.
Jackson Variable Series Trust
JNL/DoubleLine® Total Return Fund
Jackson National Asset Management, LLC (and DoubleLine Capital LP)
Seeks to maximize total return by investing, under normal circumstances, at least 80% of its assets (net assets plus the amount of borrowings for investment purposes) in bonds.
JNL/PIMCO Credit Income Fund
Jackson National Asset Management, LLC (and Pacific Investment Management Company LLC)
Seeks maximum total return, consistent with preservation of capital and prudent investment management. Under normal circumstances, the Fund invests at least 80% of its assets in a diversified portfolio of investment grade corporate fixed income securities of varying maturities, which may be represented by forwards, repurchase agreements, reverse repurchase agreements or loan participations and assignments or derivatives such as options, futures contracts or swap agreements.
b)
Under the section titled "INVESTMENT DIVISIONS", the third paragraph following the brief statement of the investment objective for each Fund is revised as follows:

You should read the summary prospectuses for the Funds and/or the prospectuses for the JNL Series Trust, the JNL Variable Fund LLC, the JNL Investors Series Trust, and the Jackson Variable Series Trust carefully before investing.  The summary prospectuses for the Funds are attached to this prospectus.  The summary prospectuses for the Funds and prospectuses for the JNL Series Trust, the JNL Variable Fund LLC, the JNL Investors Series Trust, and the Jackson Variable Series Trust may also be obtained at no charge by calling 1-800-644-4565 (Annuity and Life Service Center) or 1-800-777-7779 (for contracts purchased through a bank or financial institution), by writing P.O. Box 30314, Lansing, Michigan 48909-7814, or by visiting www.jackson.com. Additional Funds and Investment Divisions may be available in the future.
Page 4 of 5
C.
Trademarks, Service Marks, and Related Disclosures

► Under Appendix A, "Trademarks, Service Marks, and Related Disclosure", all references to the "Dow Jones U.S. Contrarian Opportunities" are deleted.

______________________________
(To be used with VC5526 04/15)
Page 5 of 5
JMV15865 09/15
 
Supplement dated September 28, 2015
To The Statements of Additional Information Dated April 27, 2015 For

PERSPECTIVE II®; PERSPECTIVE L SERIESSM; PERSPECTIVE ADVISORS IISM;
FIFTH THIRD PERSPECTIVE; PERSPECTIVESM; DEFINED STRATEGIESSM; PERSPECTIVE FOCUS®
Issued By JACKSON NATIONAL LIFE INSURANCE COMPANY®
Through JACKSON NATIONAL SEPARATE ACCOUNT – I

This supplement updates the above-referenced Statements of Additional Information.  Please read and keep it together with your copy of the Statement of Additional Information for future reference.

► In the section titled "General Information and History", under the subsection titled "Trademarks, Service Marks, and Related Disclosures", all references to the "Dow Jones U.S. Contrarian Opportunities" are deleted.

► In the section titled "Additional Tax Information", under the subsection titled "Diversification – Separate Account Investments", the third paragraph is deleted and replaced with the following:

Jackson intends that each Fund of the JNL Series Trust, JNL Variable Fund LLC, JNL Investors Series Trust, and Jackson Variable Series Trust will be managed by its respective investment adviser in such a manner as to comply with these diversification requirements.

► In the section titled "Condensed Financial Information", under the subsection titled "Accumulation Unit Values", the following paragraphs are inserted immediately preceding the tables of Accumulation Unit Values:

The following fund mergers are effective September 28, 2015:

JNL Series Trust
JNL/Mellon Capital Dow Jones U.S. Contrarian Opportunities Index Fund merged into JNL/Mellon Capital S&P 400 MidCap Index Fund

JNL Variable Fund LLC
JNL/Mellon Capital 25 Fund merged into JNL/S&P 4 Fund

Effective September 28, 2015, there are new Investment Divisions for which Accumulation Unit information is not yet available. The new Investment Divisions invest in the following Funds:

Jackson Variable Series Trust
JNL/DoubleLine® Total Return Fund
JNL/PIMCO Credit Income Fund

Effective September 28, 2015, the following Fund names changed (whether or not in connection with a sub-adviser change):

JNL Series Trust
JNL/BlackRock Commodity Securities Strategy Fund to JNL/BlackRock Natural Resources Fund
JNL/Eagle SmallCap Equity Fund to JNL Multi-Manager Small Cap Growth Fund
JNL/Franklin Templeton Small Cap Value Fund to JNL Multi-Manager Small Cap Value Fund
JNL/JPMorgan International Value Fund to JNL/Causeway International Value Select Fund

JNL Variable Fund LLC
JNL/Mellon Capital DowSM 10 Fund to JNL/Mellon Capital Dow Index Fund
JNL/Mellon Capital Global 15 Fund to JNL/Mellon Capital Global 30 Fund

_____________________
(To be used with V5507 04/15, JMV8994 04/15, JMV7262 04/15, JMV7263 04/15, JMV9741 04/15, JMV9484 04/15, JMV9485 04/15, JMV8198 04/15, V5913 04/15, JMV7261 04/15, JMV8197 04/15, V5893 04/15, V5596 04/15 and V3800 04/15)

Page 1 of 1
JMV15912 09/15
 
PART C

OTHER INFORMATION

Item 24. Financial Statements and Exhibits

(a) Financial Statements:

(1) Financial statements and schedules included in Part A:

Not Applicable

(2) Financial statements and schedules included in Part B:

Jackson National Separate Account - I:

Report of Independent Registered Public Accounting Firm
                       Statements of Assets and Liabilities as of December 31, 2014
                       Statements of Operations for the period ended December 31, 2014
                       Statements of Changes in Net Assets for the periods ended December 31, 2014 and 2013
                       Notes to Financial Statements

Jackson National Life Insurance Company:

Report of Independent Registered Public Accounting Firm
                       Consolidated Balance Sheets as of December 31, 2014 and 2013
                       Consolidated Income Statements for the years ended December 31, 2014, 2013, and 2012
                       Consolidated Statements of Stockholder's Equity and Comprehensive Income for the years ended
                       December 31, 2014, 2013, and 2012
                       Consolidated Statements of Cash Flows for the years ended December 31, 2014, 2013, and 2012
                       Notes to Consolidated Financial Statements

(b) Exhibits

Exhibit                Description
No.

1. Resolution of Depositor's Board of Directors authorizing the establishment of the Registrant, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 9 filed on April 21, 1999 (File Nos. 033-82080 and 811-08664).

2. Not Applicable.

3.

a.
General Distributor Agreement dated May 24, 1995, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).

b.
General Distributor Agreement dated June 30, 1998, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and 811-08664).

c.
Amended and Restated General Distributor Agreement dated October 25, 2005, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 21 filed on December 29, 2005 (File Nos. 333-70472 and 811-08664).

d.
Amended and Restated General Distributor Agreement dated June 1, 2006, incorporated herein by reference to the Registrant's Registration Statement filed on August 10, 2006 (File Nos. 333-136472 and 811-08664).

e.
Specimen of Selling Agreement (V2565 01/12), incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on April 24, 2012 (File Nos. 333-178774 and 811-08664).

f.
Specimen of Selling Agreement (V2565 08/12), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

g. Specimen of Selling Agreement (V2565 06/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on September 11, 2014 (File Nos. 333-183048 and 811-08664).

4.

a.
Specimen of the Perspective III Fixed and Variable Annuity Contract, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

b.
Specimen of Section 403(b) Tax Sheltered Annuity Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

c.
Specimen of Retirement Plan Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

d.
Specimen of Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

e.
Specimen of Roth IRA Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

f.
Specimen of Earnings Protection Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001(File Nos. 333-73850 and 811-08664).

g.
Specimen of 5% Compounded Death Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement, filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

h.
Specimen of Combination Death Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

i.
Specimen of Maximum Anniversary Value Death Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

j.
Specimen of 2% Contract Enhancement Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

k.
Specimen of Guaranteed Minimum Income Benefit Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on November 21, 2001 (File Nos. 333-73850 and 811-08664).

l.
Form of Preselected Death Benefit Option Election Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

m.
Form of Reduced Administration Charge Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 1 filed on April 29, 2002 (File Nos. 333-73850 and 811-08664).

n.
Specimen of the Perspective Focus Fixed and Variable Annuity Contract, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 1 filed on April 29, 2002 (File Nos. 333-73850 and 811-08664).

o.
Specimen of 2% Contract Enhancement Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 1 filed on April 29, 2002 (File Nos. 333-73850 and 811-08664).

p.
Specimen of Guaranteed Minimum Withdrawal Benefit endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 4 filed on November 1, 2002 (File Nos. 333-73850 and 811-08664).

q.
Specimen of Fixed Account Options Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 4 filed on November 1, 2002 (File Nos. 333-73850 and 811-08664).

r.
Specimen of Charitable Remainder Trust Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 23, 2004 (File Nos. 333-118368 and 811-08664).

s.
Specimen of Guaranteed Minimum Withdrawal Benefit Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 30, 2004 (File Nos. 333-119656 and 811-08664).
 
t.
Specimen of Section 403(b) Tax Sheltered Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

u.
Specimen of Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

v.
Specimen of Roth Individual Retirement Annuity Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).

w.
Specimen of Guaranteed Minimum Withdrawal Benefit Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 19 filed on October 20, 2005 (File Nos. 333-70472 and 811-08664).

x.
Specimen of the 5% For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

y.
Specimen of the 6% Guaranteed Minimum Withdrawal Benefit With Annual Step-up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

z.
Specimen of the For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

aa.
Specimen of the Joint For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

bb.
Specimen of 5% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

cc.
Specimen of the 5% Guaranteed Minimum Withdrawal Benefit Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

dd.
Specimen of the 7% Guaranteed Minimum Withdrawal Benefit With 5 Year Step-Up Endorsement, incorporated herein by reference  to the Registrant's Post-Effective Amendment No. 34, filed on February 2, 2007 (File Nos. 333-70472 and 811-08664).

ee.
Specimen of Guaranteed Minimum Income Benefit Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

ff.
Specimen of 5% Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

gg.
Specimen of 6% Guaranteed Minimum Withdrawal Benefit With Annual Step-up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

hh.
Specimen of 5% For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

ii.
Specimen of For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

jj.
Joint For Life Guaranteed Minimum Withdrawal Benefit With Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

kk.
For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 21, 2007 (File Nos. 333-70472 and 811-08664).

ll.
Specimen of For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 41, filed on August 23, 2007 (File Nos. 333-70472 and 811-08664).

mm.
Specimen of Guaranteed Minimum Withdrawal Benefit with 5-Year Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 46, filed on December 27, 2007 (File Nos. 333-70472 and 811-08664).

nn.
Specimen of the For Life GMWB With Bonus and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 46, filed on December 27, 2007(File Nos. 333-70472 and 811-08664).

oo.
Specimen of the Joint For Life GMWB With Bonus and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 46, filed on December 27, 2007 (File Nos.  333-70472 and 811-08664).

pp.
Specimen of the Joint For Life GMWB with Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 46, filed on December 27, 2007 (File Nos. 333-70472 and 811-08664).

qq.
Specimen of the Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 59, filed on October 3, 2008 (File Nos. 333-70472 and 811-08664).

rr.
Specimen of the For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up Endorsement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 59, filed on October 3, 2008 (File Nos. 333-70472 and 811-08664).

ss.
Specimen of the For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (Freedom) Endorsement (7587 01/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 23, filed on December 31, 2008 (File Nos. 333-73850 and 811-08664).

tt.
Specimen of the Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (Joint Freedom) Endorsement (7588  01/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 23, filed on December 31, 2008 (File Nos. 333-73850 and 811-08664).

uu.
Specimen of the For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (LifeGuard Freedom 6(SM) GMWB) Endorsement (7613 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

vv.
Specimen of the Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus and Annual Step-Up (LifeGuard Freedom 6 GMWB With Joint Option) Endorsement (7614 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

ww.
Specimen of the For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (LifeGuard Select(SM)) Endorsement (7617 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

xx.
Specimen of the Joint For Life Guaranteed Minimum Withdrawal Benefit With Bonus, Guaranteed Withdrawal Balance Adjustment and Annual Step-Up (LifeGuard Select With Joint Option) (7618 09/09), incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

5.

a.
Form of the Perspective Focus Fixed and Variable Annuity Application, incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on March 15, 2001 (File Nos. 333-73850 and 811-08664).

b.
Form of the Perspective Focus Fixed and Variable Annuity Application, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 5 filed on May 1, 2003 (File Nos. 333-73850 and 811-08664).

6.

a.
Articles of Incorporation of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).

b.
By-laws of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).

c.
Amended By-laws of Jackson National Life Insurance Company, incorporated herein by reference to the Registration Statement, filed on December 31, 2012 (File Nos. 333-185768 and 811-04405).

7.

a.
Variable Annuity Guaranteed Minimum Death Benefit Reinsurance Agreement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 6 filed on December 15, 2003 (File Nos. 333-73850 and 811-08664).

b.
Variable Annuity Guaranteed Minimum Death Benefit Reinsurance Agreement, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 11 filed on July 21, 2004 (File Nos. 333-70472 and 811-08664).

c.
Amendment No. 15 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD, with effective date October 6, 2008, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 23, filed on December 31, 2008 (File Nos. 333-73850 and 811-08664).

d.
Amendment No. 16 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD, with effective date April 6, 2009, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

e.
Amendment No. 17 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life  Reinsurance LTD, with effective date April 6, 2009, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

f.
Amendment to the Variable Annuity Guaranteed Minimum Death Benefit Reinsurance Agreement effective December 31, 2002, with effective date December 31, 2008, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

g.
Amendment to Variable Annuity Guaranteed Minimum Death Benefit  Reinsurance Agreement effective December 31, 2002, with effective date March 31, 2009, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 25 filed on September 24, 2009 (File Nos. 333-73850 and 811-08664).

t.
Amendment No. 18 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD, with effective date September 28, 2009, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 26 filed on April 30, 2010 (File Nos. 333-73850 and 811-08664).

u.
Amendment No. 19 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD, with effective date May 3, 2010 and October 11, 2010 where specifically noted, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 91 filed on January 18, 2011 (File Nos. 333-70472 and 811-08664).

v.
Amendment No. 20 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD., with effective date May 2, 2011,incorporated herein by reference to the Registrant's Post-Effective Amendment No. 28, filed on April 28, 2011 (File Nos. 333-73850 and 811-08664).

w.
Amendment No. 21 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD., with effective date August 29, 2011,  incorporated herein by reference to the Registrant's Post-Effective Amendment No. 29, filed on August 26, 2011 (File Nos. 333-73850 and 811-08664).

x.
Amendment No. 22 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD., with effective date December 12, 2011 and April 30, 2012, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 31, filed on April 26, 2012 (File Nos. 333-73850 and 811-08664).

y.
Amendment No. 23 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company and ACE Tempest Life Reinsurance LTD, with effective date of April 28, 2014, incorporated herein by reference to Registrant's Post-Effective Amendment No. 110, filed on September 11, 2014 (File Nos. 333-70472 and 811-08664).

z.
Amendment No. 24 to the Variable Annuity GMIB Reinsurance Agreement Effective January 1, 2002 between Jackson National Life Insurance Company ("Ceding Company") and ACE Tempest Life Reinsurance LTD. ("Reinsurer"), with effective date of April 27, 2015, incorporated herein by reference to Registrant's Post-Effective Amendment No. 112, filed on September 24, 2015 (File Nos. 333-70472 and 811-08664).

8. Amended and Restated Administrative Services Agreement between Jackson National Asset Management, LLC and Jackson National Life Insurance Company, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).

9.                        Opinion and Consent of Counsel, attached hereto.

10.                    Consent of Independent Registered Public Accounting Firm, attached hereto.

11.                    Not Applicable.

12.                    Not Applicable.

Item 25. Directors and Officers of the Depositor

Name and Principal Business Address
Positions and Offices with Depositor
   
Richard D. Ash
Senior Vice President, Chief Actuary & Appointed Actuary
1 Corporate Way
  
Lansing, MI 48951
  
   
Steve P. Binioris
Senior Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Michele M. Binkley
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Dennis A. Blue
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Barrett M. Bonemer
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Pamela L. Bottles
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Andrew J. Bowden
Senior Vice President, General Counsel & Secretary
1 Corporate Way
  
Lansing, MI 48951
  
   
David L. Bowers
Vice President
300 Innovation Drive
  
Franklin, TN 37067
  
   
John H. Brown
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Gregory P. Cicotte
Executive Vice President, Head of U.S. Wealth Management and Distribution
7601 Technology Way
& Director
Denver, CO 80237
  
   
David A. Collins
Vice President & Deputy Chief Risk Officer
1 Corporate Way
  
Lansing, MI 48951
  
   
Michael A. Costello
Senior Vice President, Treasurer & Controller
1 Corporate Way
  
Lansing, MI 48951
  
   
James B. Croom
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
William T. Devanney
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Charles F. Field, Jr.
Vice President
300 Innovation Drive
  
Franklin, TN 37067
  
   
Dana R. Malesky Flegler
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Lisa Ilene Fox
Vice President
300 Innovation Drive
  
Franklin, TN 37067
  
   
Devkumar D. Ganguly
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Julia A. Goatley
Senior Vice President, Chief Compliance & Governance Officer
1 Corporate Way
& Assistant Secretary
Lansing, MI 48951
  
   
Guillermo E. Guerra
Vice President & Corporate Information Security Officer
1 Corporate Way
  
Lansing, MI 48951
  
   
Robert W. Hajdu
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Laura L. Hanson
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Robert L. Hill
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Thomas P. Hyatte
Senior Vice President, Chief Risk Officer & Director
1 Corporate Way
  
Lansing, MI 48951
  
   
Thomas A. Janda
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Scott F. Klus
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Toni L. Klus
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Richard C. Liphardt
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Mark B. Mandich
Director
225 West Wacker Drive
  
Suite 1200
  
Chicago, IL 60606
  
   
Machelle A. McAdory
Senior Vice President & Chief Human Resource Officer
1 Corporate Way
  
Lansing, MI 48951
  
   
Diahn M. McHenry
Vice President
5913 Executive Drive
  
Lansing, MI 48911
  
   
Dean M. Miller
Vice President
300 Connell Drive
  
Suite 2100
  
Berkeley Heights, NJ 07922
  
   
Keith R. Moore
Senior Vice President & Chief Technology Officer
1 Corporate Way
  
Lansing, MI 48951
  
   
Jacky Morin
Vice President
300 Connell Drive
  
Suite 2100
  
Berkeley Heights, NJ 09722
  
   
P. Chad Myers
Executive Vice President, Chief Financial Officer & Director
1 Corporate Way
  
Lansing, MI 48951
  
   
Russell E. Peck
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Laura L. Prieskorn
Senior Vice President & Chief Administration Officer
1 Corporate Way
  
Lansing, Michigan 48951
  
   
Dana S. Rapier
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Stacey L. Schabel
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
William R. Schulz
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Muhammad S. Shami
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
James R. Sopha
President & Director
1 Corporate Way
  
Lansing, MI 48951
  
   
Kenneth H. Stewart
Senior Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Barry L. Stowe
Chairman & Director
300 Innovation Drive
  
Franklin, TN  37067
  
   
Heather R. Strang
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Marion C. Terrell II
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Marcia L. Wadsten
Vice President
1 Corporate Way
  
Lansing, MI 48951
  
   
Bonnie G. Wasgatt
Senior Vice President & Chief Information Officer
1 Corporate Way
  
Lansing, MI 48951
  

Item 26. Persons Controlled by or Under Common Control with the Depositor or Registrant.

The Registrant is a separate account of Jackson National Life Insurance Company ("Depositor"), a stock life insurance company organized under the laws of the state of Michigan.  The Depositor is a wholly owned subsidiary of Brooke Life Insurance Company and is ultimately a wholly owned subsidiary of Prudential plc (London, England), a publicly traded life insurance company in the United Kingdom.

The following organizational chart for Prudential plc indicates those persons who are controlled by or under common control with the Depositor. No person is controlled by the Registrant.

The organizational chart for Prudential plc is incorporated herein by reference to Exhibit 26 of Post-Effective Amendment No. 23, filed on September 24, 2015 (File Nos. 333-183048 and 811-08664).

Item 27. Number of Contract Owners as of July 31, 2015

Perspective Focus Contracts:

Qualified – 528
Non-Qualified – 495

Item 28. Indemnification

Provision is made in the Company's Amended By-Laws for indemnification by the Company of any person who was or is a party or is threatened to be made a party to a civil, criminal, administrative or investigative action by reason of the fact that such person is or was a director, officer or employee of the Company, against expenses, including attorneys' fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceedings, to the extent and under the circumstances permitted by the General Corporation Law of the State of Michigan.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against liabilities (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 29. Principal Underwriter

a)
Jackson National Life Distributors LLC acts as general distributor for the Jackson National Separate Account - I.  Jackson National Life Distributors LLC also acts as general distributor for the Jackson National Separate Account III, the Jackson National Separate Account IV, the Jackson National Separate Account V, the JNLNY Separate Account I, the JNLNY Separate Account II, the JNLNY Separate Account IV, the Jackson Sage Variable Annuity Account A, the Jackson Sage Variable Life Account A, the Jackson SWL Variable Annuity Fund I, the JNL Series Trust, JNL Variable Fund LLC, JNL Investors Series Trust, and Jackson Variable Series Trust.

b)
Directors and Officers of Jackson National Life Distributors LLC:

Name and Business Address
Positions and Offices with Underwriter
   
Greg Cicotte
Manager
7601 Technology Way
  
Denver, CO  80237
  
   
Michael A. Costello
Manager
1 Corporate Way
  
Lansing, MI 48951
  
   
Thomas P. Hyatte
Manager
1 Corporate Way
  
Lansing, MI 48951
  
   
James P. Sopha
Manager
1 Corporate Way
  
Lansing, MI 48951
  
   
Stephen M. Ash
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Jeffrey Bain
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Tyler Bain
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Brad Baker
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Erin Balcaitis
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Tori Bullen
Senior Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Richard Catts
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Maura Collins
Executive Vice President, Chief Financial Officer & FinOP
7601 Technology Way
  
Denver, CO 80237
  
   
Christopher Cord
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Justin Fitzpatrick
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Julia A. Goatley
Manager & Secretary
1 Corporate Way
  
Lansing, MI 48951
  
   
Mark Godfrey
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Luis Gomez
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Kevin Grant
Senior Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Elizabeth Griffith
Vice President
300 Innovation Drive
  
Franklin, TN 37067
  
   
Kelli Hill
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Thomas Hurley
Senior Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Mark Jones
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Doug Mantelli
Senior Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Timothy McDowell
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Jennifer Meyer
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Steven O'Connor
Vice President
7601 Technology Way
  
Denver, CO  80237
  
   
Allison Pearson
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
John Poulsen
Executive Vice President, Sales Strategy
1640 Powers Ferry Road
  
Bldg. 20
  
Marietta, GA 30067
  
   
Jeremy D. Rafferty
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Alison Reed
Executive Vice President, Operations
7601 Technology Way
  
Denver, CO 80237
  
   
Kristan L. Richardson
Assistant Secretary
1 Corporate Way
  
Lansing, MI 48951
  
   
Scott Romine
President & Chief Executive Officer
7601 Technology Way
  
Denver, CO  80237
  
   
Kezia Samuel
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Marilynn Scherer
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Kathleen Schofield
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Marc Socol
Executive Vice President, National Sales Manager
7601 Technology Way
  
Denver, CO 80237
  
   
Melissa Sommer
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Daniel Starishevsky
Senior Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Ryan Strauser
Vice President
7601 Technology Way
  
Denver, VO 80237
  
   
Brian Sward
Senior Vice President
7601 Technology Way
  
Denver, CO  80237
  
   
Jeremy Swartz
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Robin Tallman
Vice President & Controller
7601 Technology Way
  
Denver, CO 80237
  
   
Brad Whiting
Vice President
7601 Technology Way
  
Denver, CO 80237
  
   
Daniel Wright
Senior Vice President & Chief Compliance Officer
7601 Technology Way
  
Denver, CO 80237
  
   
Phil Wright
Vice President
7601 Technology Way
  
Denver, CO 80237
  

(c)

Name of Principal Underwriter
Net Underwriting Discounts and Commissions
Compensation on Redemption or Annuitization
Brokerage Commissions
Compensation
 
Jackson National Life Distributors LLC
 
Not Applicable
 
Not Applicable
 
Not Applicable
 
Not Applicable

Item. 30. Location of Accounts and Records

Jackson National Life Insurance Company
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
Institutional Marketing Group Service Center
1 Corporate Way
Lansing, Michigan 48951

Jackson National Life Insurance Company
7601 Technology Way
Denver, Colorado 80237

Jackson National Life Insurance Company
225 West Wacker Drive, Suite 1200
Chicago, IL  60606

Item. 31. Management Services

Not Applicable

Item. 32. Undertakings and Representations

a)
Jackson National Life Insurance Company hereby undertakes to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements in the registration statement are never more than sixteen (16) months old for so long as payment under the variable annuity contracts may be accepted.

b)
Jackson National Life Insurance Company hereby undertakes to include either (1) as part of any application to purchase a contract offered by the Prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a postcard or similar written communication affixed to or included in the Prospectus that the applicant can remove to send for a Statement of Additional Information.

c)
Jackson National Life Insurance Company hereby undertakes to deliver any Statement of Additional Information and any financial statement required to be made available under this Form promptly upon written or oral request.

d)
Jackson National Life Insurance Company represents that the fees and charges deducted under the contract, in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred, and the risks assumed by Jackson National Life Insurance Company.

e)
The Registrant hereby represents that any contract offered by the prospectus and which is issued pursuant to Section 403(b) of the Internal Revenue Code of 1986 as amended, is issued by the Registrant in reliance upon, and in compliance with, the Securities and Exchange Commission's industry-wide no-action letter to the American Council of Life Insurance (publicly available November 28, 1988) which permits withdrawal restrictions to the extent necessary to comply with IRS Section 403(b)(11).



SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of this post-effective amendment to the Registration Statement and has caused this post-effective amendment to the Registration Statement to be signed on its behalf, in the City of Lansing, and State of Michigan, on this 25th day of September, 2015.

Jackson National Separate Account - I
(Registrant)

Jackson National Life Insurance Company


By:   /s/ ANDREW J. BOWDEN                                                                                                  
Andrew J. Bowden
Senior Vice President, General Counsel
and Secretary

Jackson National Life Insurance Company
(Depositor)


By:    /s/ ANDREW J. BOWDEN                                                                                                  
Andrew J. Bowden
Senior Vice President, General Counsel
and Secretary

As required by the Securities Act of 1933, this post-effective amendment to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

   
*                                                                                    
September 25, 2015
James R. Sopha, President and Director
  
   
   
*                                                                                    
September 25, 2015
P. Chad Myers, Executive Vice President,
Chief Financial Officer and Director
  
   
   
*                                                                                    
September 25, 2015
Michael A. Costello, Senior Vice President,
  
Treasurer and Controller
  
   
   
*                                                                                    
September 25, 2015
Barry L. Stowe, Chairman and Director
  
   
   
*                                                                                    
September 25, 2015
Gregory P. Cicotte, Executive Vice President,
  
Head of U.S. Wealth Management and Distribution
  
and Director
  

   
   
*                                                                                    
September 25, 2015
Thomas P. Hyatte, Senior Vice President,
Chief Risk Officer and Director
  
   
   
*                                                                                    
September 25, 2015
Mark B. Mandich, Director
  



* By:    /s/ ANDREW J. BOWDEN                                                                                                  
Andrew J. Bowden, as Attorney-in-Fact,
pursuant to Power of Attorney filed herewith.



POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (the Depositor), a Michigan corporation, hereby appoint James R. Sopha, P. Chad Myers, Andrew J. Bowden, Susan S. Rhee, and Frank J. Julian (each with power to act without the others) his/her attorney-in-fact and agent, with full power of substitution and resubstitution, for and in his/her name, place and stead, in any and all capacities, to sign applications and registration  statements,  and any and all amendments, with power to affix the corporate seal and to attest it, and to file the applications, registration statements, and amendments, with all exhibits and  requirements, in accordance with the Securities Act of 1933, the Securities and Exchange Act of 1934, and/or the Investment Company Act of 1940.  This Power of Attorney concerns Jackson National Separate Account - I (File Nos. 033-82080, 333-70472, 333-73850, 333-118368, 333-119656, 333-132128, 333-136472, 333-155675, 333-172874, 333-172875, 333-172877, 333-175718, 333-175719, 333-176619, 333-178774, 333-183048, 333-183049, 333-183050, and 333-192971), Jackson National Separate Account III (File No. 333-41153), Jackson National Separate Account IV (File Nos. 333-108433 and 333-118131), and Jackson National Separate Account V (File No. 333-70697), as well as any future separate account(s) and/or future file number(s) within any separate account(s) that the Depositor establishes through which securities, particularly variable annuity contracts and variable universal life insurance policies, are to be offered for sale.  The undersigned grant to each attorney-in-fact and agent full authority to take all necessary actions to effectuate the above as fully, to all intents and purposes, as he/she could do in person, thereby ratifying and confirming all that said attorneys-in-fact and agents, or any one of them, may lawfully do or cause to be done by virtue hereof.  This instrument may be executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney effective as of the 17th day of June, 2015.


/s/  JAMES R. SOPHA                                                                                                                
James R. Sopha, President and Director

/s/  P. CHAD MYERS                                                                                                                
P. Chad Myers, Executive Vice President,
Chief Financial Officer and Director

/s/  MICHAEL A. COSTELLO                                                                                                                
Michael A. Costello, Senior Vice President, Treasurer
and Controller

/s/  BARRY L. STOWE                                                                                                                
Barry L. Stowe, Chairman and Director

/s/  GREGORY P. CICOTTE                                                                                                                
Gregory P. Cicotte, Executive Vice President,
Head of U.S. Wealth Management and Distribution
And Director

/s/  THOMAS P. HYATTE                                                                                                                
Thomas P. Hyatte, Senior Vice President, Chief Risk
Officer and Director

/s/  LEANDRA R. KNES                                                                                                  
Leandra R. Knes, Director

/s/  MARK B. MANDICH                                                                                                  
Mark B. Mandich, Director



EXHIBIT LIST

Exhibit No.                          Description


9. Opinion and Consent of Counsel.

10. Consent of Independent Registered Public Accounting Firm.