485BPOS 1 a485bcombined.htm 485BPOS 485(b)combined

As filed with the Securities and Exchange Commission on July 19, 2021
Commission File Nos. 333-235565
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. 3
[X]
and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No. 800
[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

Julia A. Goatley, Esq., Executive Vice President, General Counsel and Secretary
Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951
(Name and Address of Agent for Service)

Copy to:
Alison Samborn, Esq., Associate General Counsel, Legal Product Development
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)
[X]immediately upon filing pursuant to paragraph (b)
[ ]on (date) 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 Variable and Fixed 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 a supplement to the 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 July 19, 2021
To The Statements of Additional Information Dated April 26, 2021 For

ELITE ACCESS II®, JACKSON ADVANTAGE®, PERSPECTIVE II®, PERSPECTIVE ADVISORY II®,
RETIREMENT LATITUDES®, PERSPECTIVE ADVISORS IISM, ELITE ACCESS®,
ELITE ACCESS BROKERAGE EDITION®, JACKSON PRIVATE WEALTH®,
PERSPECTIVE L SERIESSM, FIFTH THIRD PERSPECTIVE, and PERSPECTIVE REWARDS®
FLEXIBLE PREMIUM VARIABLE AND FIXED DEFERRED ANNUITIES, and
ELITE ACCESS ADVISORY II® FLEXIBLE PREMIUM VARIABLE DEFERRED ANNUITY, and
PERSPECTIVE FIXED AND VARIABLE ANNUITY®, and DEFINED STRATEGIES VARIABLE ANNUITY®

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 Statement of Additional Information for future reference. To obtain a copy of a Statement of Additional Information, please contact us at our Annuity Service Center, P.O. Box 24068, Lansing, Michigan, 48909-4068; 1-800-644-4565; www.jackson.com.

Effective July 19, 2021, your Statement of Additional Information (SAI) is revised to provide updated information regarding the financial statements for Depositor (Jackson National Life Insurance Company). The Depositor’s financial statements have been restated. The restatement does not materially change the Depositor’s financial position or ability to meet contract owner obligations under the Contracts. The Registrant’s financial statements were not restated and are unchanged.

Ø    The information contained in APPENDIX A: FINANCIAL STATEMENTS of your SAI is deleted and replaced by the following:



______________________________
(To be used with JMV24065 04/21, JMV21224 04/21, JMV24066 04/21, JMV19401 04/21, JMV22388 04/21, JMV19400 04/21, JMV22389 04/21, V5893 04/21, JMV8389 04/21, JMV12791 04/21, JMV8198 04/21, V5913 04/21, V3800 04/21, V5507 04/21, JMV8994 04/21, JMV9741 04/21, JMV9485 04/21, V5996 04/21, and JMV4248 04/21)

Page 1 of 1

JFV100284 07/21


PART C

OTHER INFORMATION

Item 27. Exhibits


Exhibit
No.
Description
(a)Board of Directors Resolution.
(a)(1)
(b)Custodian Agreements. Not Applicable.
(c)Underwriting Contracts.
(c)(1)
(c)(2)
(d)Contracts.
(d)(1)
(d)(2)
(d)(3)
(d)(4)
(d)(5)
(d)(6)
(d)(7)
(d)(8)



(d)(9)
(d)(10)
(e)Applications.
(e)(1)
(e)(2)
(e)(3)
(f)Depositor's Certificate of Incorporation and By-laws.
(f)(1)
(f)(2)
(f)(3)
(g)Reinsurance Contracts. Not Applicable.
(h)Participation Agreements.
(h)(1)(i)
(h)(1)(ii)
(h)(1)(iii)
(h)(1)(iv)



(h)(1)(v)
(h)(1)(vi)
(h)(2)(i)
(h)(2)(ii)
(h)(2)(iii)
(h)(3)(i)
(h)(3)(ii)
(h)(3)(iii)
(h)(3)(iv)
(h)(3)(v)
(h)(3)(vi)



(h)(3)(vii)
(h)(3)(viii)
(i)Administrative Contracts.
(i)(1)
(j)Other Material Contracts. Not Applicable.
(k)Legal Opinion.
(k)(1)Opinion and Consent of Counsel, attached hereto.
(l)Other Opinions.
(l)(1)Consent of Independent Registered Public Accounting Firm, attached hereto.
(m)Omitted Financial Statements. Not Applicable.
(n)Initial Capital Agreements. Not Applicable.
(o)Form of Initial Summary Prospectus.
(o)(1)
Item 29.Organizational Chart, attached hereto.

Item 28. Directors and Officers of the Depositor

Name and Principal Business AddressPositions and Offices with Depositor
Dennis J. Manning
1 Corporate Way
Lansing, MI 48951
Chairman & Director
Morten N. Friis
1 Corporate Way
Lansing, MI 48951
Director
Edward R. Morrissey
1 Corporate Way
Lansing, MI 48951
Director



Laura L. Prieskorn
1 Corporate Way
Lansing, MI 48951
Chief Executive Officer, President, and Director
Marcia L. Wadsten
1 Corporate Way
Lansing, MI 48951
Executive Vice President, Chief Financial Officer, Appointed Actuary, and Director
Devkumar D. Ganguly
1 Corporate Way
Lansing, MI 48951
Executive Vice President and Chief Operating Officer
Aimee R. DeCamillo
300 Innovation Drive
Franklin, TN 37067
Executive Vice President and Chief Commercial Officer
Julia A. Goatley
1 Corporate Way
Lansing, MI 48951
Executive Vice President, General Counsel, and Secretary
Bradley O. Harris
300 Innovation Drive
Franklin, TN 37067
Executive Vice President, Chief Risk Officer, and Director
Steve P. Binioris
1 Corporate Way
Lansing, MI 48951
Senior Vice President and Chief Actuary
Michael A. Costello
1 Corporate Way
Lansing, MI 48951
Senior Vice President and Treasurer
Don W. Cummings
1 Corporate Way
Lansing, MI 48951
Senior Vice President, Controller, and Chief Accounting Officer
Scott J. Golde
1 Corporate Way
Lansing, MI 48951
Senior Vice President and Deputy General Counsel
Guillermo E. Guerra
1 Corporate Way
Lansing, MI 48951
Senior Vice President, Group Chief Information Security Officer, and Privacy Officer
Laura L. Hanson
1 Corporate Way
Lansing, MI 48951
Senior Vice President
Thomas P. Hyatte
1 Corporate Way
Lansing, MI 48951
Senior Vice President
Dana S. Rapier
1 Corporate Way
Lansing, MI 48951
Senior Vice President and Chief Human Resources Officer
Stacey L. Schabel
1 Corporate Way
Lansing, MI 48951
Senior Vice President and Chief Audit Executive



Elizabeth Werner
1 Corporate Way
Lansing, MI 48951
Senior Vice President
Richard C. White
1 Corporate Way
Lansing, MI 48951
Senior Vice President
Marina C. Ashiotou
225 W. Wacker Drive
Suite 1200
Chicago, IL 60606
Vice President
Dennis A. Blue
1 Corporate Way
Lansing, MI 48951
Vice President
Robert Boles
225 W. Wacker Drive
Suite 1200
Chicago, IL 60606
Vice President
Barrett M. Bonemer
1 Corporate Way
Lansing, MI 48951
Vice President
Pamela L. Bottles
1 Corporate Way
Lansing, MI 48951
Vice President
Andrew Campbell
1 Corporate Way
Lansing, MI 48951
Vice President
Lisa Ilene Fox
300 Innovation Drive
Franklin, TN 37067
Vice President
Heather Gahir
1 Corporate Way
Lansing, MI 48951
Vice President
Joseph K. Garrett
1 Corporate Way
Lansing, MI 48951
Vice President
Maggie C. Garza
1 Corporate Way
Lansing, MI 48951
Vice President
Robert W. Hajdu
1 Corporate Way
Lansing, MI 48951
Vice President
Courtney A. Hoffman
225 W. Wacker Drive
Suite 1200
Chicago, IL 60606
Vice President and Deputy General Counsel



Thomas A. Janda
1 Corporate Way
Lansing, MI 48951
Vice President
Heidi Kaiser
1 Corporate Way
Lansing, MI 48951
Vice President, Chief Compliance Officer, and Advertising Officer
Scott F. Klus
1 Corporate Way
Lansing, MI 48951
Vice President
Toni L. Klus
1 Corporate Way
Lansing, MI 48951
Vice President
Matthew F. Laker
300 Innovation Drive
Franklin, TN 37067
Vice President
Aaron T. Maguire
1 Corporate Way
Lansing, MI 48951
Vice President
Ryan T. Mellott
1 Corporate Way
Lansing, MI 48951
Vice President
Dean M. Miller
300 Connell Drive
Suite 2100
Berkeley Heights, NJ 07922
Vice President
Jacky Morin
300 Connell Drive
Suite 2100
Berkeley Heights, NJ 07922
Vice President
Kristan L. Richardson
1 Corporate Way
Lansing, MI 48951
Vice President and Assistant Secretary
James A. Schultz
1 Corporate Way
Lansing, MI 48951
Vice President and Assistant Treasurer
Muhammad S. Shami
1 Corporate Way
Lansing, MI 48951
Vice President
Brian R. Sward
300 Innovation Drive
Franklin, TN 37067
Vice President
Dr. Bhatt L. Vadlamani
1 Corporate Way
Lansing, MI 48951
Vice President



Brian M. Walta
1 Corporate Way
Lansing, MI 48951
Vice President
Weston B. Wetherell
225 W. Wacker Drive
Suite 1200
Chicago, IL 60606
Vice President

Item 29. 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 Jackson Financial Inc., and is ultimately a wholly owned subsidiary of Prudential plc (London, England), a publicly traded life insurance company in the United Kingdom.

The 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 attached hereto.

Item 30. 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 31. 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 AddressPositions and Offices with Underwriter



Laura L. Prieskorn
1 Corporate Way
Lansing, MI 48951
Chairman & Manager
Steve P. Binioris
1 Corporate Way
Lansing, MI 48951
Manager
Bradley O. Harris
300 Innovation Drive
Franklin, TN 37067
Manager
Aimee DeCamillo
300 Innovation Drive
Franklin, TN 37067
President, Chief Executive Officer, and Manager
Scott Romine
300 Innovation Drive
Franklin, TN 37067
President of Advisory Solutions
Scott Golde
1 Corporate Way
Lansing, MI 48951
General Counsel
Alison Reed
300 Innovation Drive
Franklin, TN 37067
Executive Vice President, Operations
Marc Socol
300 Innovation Drive
Franklin, TN 37067
Executive Vice President, National Sales Manager
Bryan Wilhelm
300 Innovation Drive
Franklin, TN 37067
Executive Vice President
Bill Burrow
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Dana R. Melesky Flegler
1 Corporate Way
Lansing, MI 48951
Senior Vice President
Ashley S. Golson
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Elizabeth Griffith
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Aileen Herndon
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Julie Hughes
1 Corporate Way
Lansing, MI 48951
Senior Vice President



Heidi Kaiser
1 Corporate Way
Lansing, MI 48951
Senior Vice President & Chief Compliance Officer
Matt Lemieux
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Greg Masucci
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Tim Munsie
300 Innovation Drive
Franklin, TN 37067
Senior Vice President
Ty Anderson
300 Innovation Drive
Franklin, TN 37067
Vice President
J. Edward Branstetter, Jr.
300 Innovation Drive
Franklin, TN 37067
Vice President
Lauren L. Caputo
300 Innovation Drive
Franklin, TN 37067
Vice President
Michelle Carroll
1 Corporate Way
Lansing, MI 48951
Vice President
Court Chynces
300 Innovation Drive
Franklin, TN 37067
Vice President
Bill Dixon
300 Innovation Drive
Franklin, TN 37067
Vice President
Heather Fitzgerald
300 Innovation Drive
Franklin, TN 37067
Vice President
Thomas Hurley
300 Innovation Drive
Franklin, TN 37067
Vice President
Kristine Lowry
300 Innovation Drive
Franklin, TN 37067
Vice President, FinOp & Controller
Joseph Patracuollo
300 Innovation Drive
Franklin, TN 37067
Vice President



Kimberly Plyler
300 Innovation Drive
Franklin, TN 37067
Vice President
Ryan Riggen
300 Innovation Drive
Franklin, TN 37067
Vice President
David Russell
300 Innovation Drive
Franklin, TN 37067
Vice President
Daniel Starishevsky
300 Innovation Drive
Franklin, TN 37067
Vice President
Michael Story
1 Corporate Way
Lansing, MI 48951
Vice President
Jeremy Swartz
300 Innovation Drive
Franklin, TN 37067
Vice President
Kendall Wetzel
300 Innovation Drive
Franklin, TN 37067
Vice President
Myles Womack
300 Innovation Drive
Franklin, TN 37067
Vice President
Kristan L. Richardson
1 Corporate Way
Lansing, MI 48951
Secretary

(c)
Name of Principal UnderwriterNet Underwriting Discounts and CommissionsCompensation on RedemptionBrokerage CommissionsCompensation
Jackson National Life Distributors LLCNot ApplicableNot ApplicableNot Applicable Not Applicable


Item. 32. Location of Accounts and Records

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

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




Jackson National Life Insurance Company
300 Innovation Drive
Franklin, TN 37067

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

Item. 33. Management Services

Not Applicable.

Item. 34. Fee Representations

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 expected to be incurred, and the risks assumed by Jackson National Life Insurance Company.





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 19th day of July, 2021.

Jackson National Separate Account - I
(Registrant)

Jackson National Life Insurance Company


By: /s/ SCOTT J. GOLDE    
Scott J. Golde
Senior Vice President, Deputy General Counsel

Jackson National Life Insurance Company
(Depositor)


By: /s/ SCOTT J. GOLDE    
Scott J. Golde
Senior Vice President, Deputy General Counsel

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.

*July 19, 2021
Laura L. Prieskorn, Chief Executive Officer, President and Director
*July 19, 2021
Marcia Wadsten, Executive Vice President,
Chief Financial Officer, Appointed Actuary
and Director
*July 19, 2021
Bradley O. Harris, Executive Vice President,
Chief Risk Officer and Director
*July 19, 2021
Michael A. Costello, Senior Vice President
and Treasurer
*July 19, 2021
Don W. Cummings, Senior Vice President,
Controller and Chief Accounting Officer



*July 19, 2021
Morten N. Friis, Director
*July 19, 2021
Dennis J. Manning, Chairman and Director
*July 19, 2021
Edward R. Morrissey, Director



* By: /s/ SCOTT J. GOLDE    
Scott J. Golde, as Attorney-in-Fact,
pursuant to Power of Attorney filed herewith.








POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (Jackson), a Michigan corporation, hereby appoint Laura L. Prieskorn, Marcia Wadsten, Susan S. Rhee, Scott J. Golde, and Christine Benefield (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, registration statements, reports, and other documents, and any and all amendments thereto, with power to affix the corporate seal and to attest it, and to file such applications, registration statements, reports, and other documents, and amendments thereto, with all exhibits and requirements, in accordance with the Securities Act of 1933, the Securities Exchange Act of 1934, and/or the Investment Company Act of 1940 and the rules and regulations thereunder of the Securities and Exchange Commission. 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, 333-192971, 333-210504, 333-212424, 333-217500, 333-217501, 333-226897, 333-228801, 333-228802, 333-235565, 333-235567, and 333-252333), Jackson National Separate Account III (File No. 333-41153), Jackson National Separate Account IV (File Nos. 333-108433 and 333-118131), Jackson National Separate Account V (File No. 333-70697), and Jackson National Life Insurance Company (Jackson Market Link Pro, and Jackson Market Link Pro Advisory), as well as any future separate account(s) and/or future file number(s) that Jackson establishes through which securities, particularly variable annuity contracts, variable universal life insurance policies, registered index-linked annuity contracts, or other registered annuity contracts 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 12th day of February, 2021.

/s/ LAURA L. PRIESKORN
Laura L. Prieskorn, Chief Executive Officer

/s/ MARCIA WADSTEN
Marcia Wadsten, Chief Financial Officer

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

/s/ BRADLEY O. HARRIS
Bradley O. Harris, Senior Vice President,
Chief Risk Officer and Director

/s/ MORTEN N. FRIIS
Morton N. Friis, Director

/s/ DENNIS J. MANNING
Dennis J. Manning, Chairman and Director

/s/ EDWARD R. MORRISSEY
Edward R. Morrissey, Director



POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (Jackson), a Michigan corporation, hereby appoint Laura L. Prieskorn, Marcia Wadsten, Susan S. Rhee, Scott J. Golde, and Christine Benefield (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, registration statements, reports, and other documents, and any and all amendments thereto, with power to affix the corporate seal and to attest it, and to file such applications, registration statements, reports, and other documents, and amendments thereto, with all exhibits and requirements, in accordance with the Securities Act of 1933, the Securities Exchange Act of 1934, and/or the Investment Company Act of 1940 and the rules and regulations thereunder of the Securities and Exchange Commission. 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, 333-192971, 333-210504, 333-212424, 333-217500, 333-217501, 333-226897, 333-228801, 333-228802, 333-235565, 333-235567, and 333-252333), Jackson National Separate Account III (File No. 333-41153), Jackson National Separate Account IV (File Nos. 333-108433 and 333-118131), Jackson National Separate Account V (File No. 333-70697), and Jackson National Life Insurance Company (Jackson Market Link Pro, and Jackson Market Link Pro Advisory), as well as any future separate account(s) and/or future file number(s) that Jackson establishes through which securities, particularly variable annuity contracts, variable universal life insurance policies, registered index-linked annuity contracts, or other registered annuity contracts 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 28th day of April, 2021.

/s/ DON W. CUMMINGS
Don W. Cummings, Controller and Chief Accounting Officer





EXHIBIT LIST

Exhibit No.
Description
(k)(1)
Opinion and Consent of Counsel.
(l)(1)Consent of Independent Registered Public Accounting Firm.
Item 29.Organizational Chart.