Seven Key Issues Stand Between Baby Boomers and a Comfortable Retirement Lifestyle; ''But What If I Live: The American Retirement Crisis'' Provides a Wake-Up Call for a Generation of Over-Spent and Under-Saved Americans.

DENVER -- Gregory Salsbury, Ph.D., believes that the label of "crisis" is not an overstatement when discussing the seriousness of America's retirement outlook. In his new book, "But What If I Live: The American Retirement Crisis: A Retirement Guide for Baby Boomers," Dr. Salsbury explains that a confluence of forces - some fiscal and some psychological - are creating a "perfect storm" resulting in seven key issues that now stand between Boomers and their retirement goals.

"Retirement has undergone changes in concept, design, benefits and even availability," said Salsbury, executive vice president of Jackson National Life Distributors LLC, the distribution arm of Jackson National Life Insurance Company(R) (Jackson(SM)). "My profound worry is that the Boomers will be the first generation that will be worse off in retirement than the generation before."

Dr. Salsbury's seven key issues that Baby Boomers must address while
planning for retirement include:

1.  The Aging of America - In the next 20 years, 43 million
    households will move into retirement.(1) More than half of
    American couples age 65 and over can expect to have at least one
    spouse live until age 90 or more, which puts a significant strain
    on a fixed income retirement budget.

2.  Disappearing Pensions - Each year, more than 1,000 employers
    voluntarily shut down their pension plans, leaving a shrinking
    pool of employers paying into the federal retirement insurance
    program. The percentage of workers with a pension plan who have
    defined-benefit coverage has decreased from 80% in 1985 to 33% in
    2003.(2)

3.  Social Insecurity - The federal government currently owes Social
    Security over $1.5 trillion. Without a tax increase or reduction
    in benefits, Social Security will continue toward bankruptcy.
    Meanwhile, more than two-thirds of retirees rely on Social
    Security for 50% of their income, and 33% use it for 90% of their
    income. Without Social Security, half of American retirees would
    live in poverty.

4.  The Tax Axe - For most American families, taxes are the single
    greatest monthly expense, accounting for 30 percent of their
    income. While many people think the good news about taxes is that
    they will only rise for the "rich", the reality is that if a
    household earned $57,343 in 2005, it would be in the top
    25 percent of all tax-paying households in America.(3)

5.  The Invisible Enemy - Inflation is truly the invisible enemy of
    retirees' income, eating away at their purchasing power and
    deteriorating the purchasing power of their assets. If people need
    $50,000 a year in today's dollars, they will need $65,239 in
    10 years, and $101,640 in 25 years.(4) These amounts will only
    maintain their standard of living, not increase it.

6.  The Healthcare Nightmare - The real "gorilla in the closet" is
    healthcare, a problem with no proposed solution. The under-funding
    of Medicare dwarfs that of Social Security, and the Employee
    Benefits Research Institute estimates that even with Medicare, the
    average American may need almost $300,000 in inflation-adjusted
    dollars to pay healthcare insurance premiums and out-of-pocket
    healthcare costs in retirement.(5)

7.  Red, White & Broke - Americans aren't saving for retirement. In
    2004, America's savings rate hit its lowest point since the Great
    Depression(6) and personal bankruptcies hit an all-time high.(6)
    In spite of these trends, the spending continues.

"It's harder to get ahead and stay ahead today," continued Salsbury. "It costs more money and more sweat equity. Every Boomer needs to anticipate and address the seven key issues standing between them and the retirement they envision, and it's my hope that 'But What If I Live' will give them a good game plan."

"But What If I Live" is now available through The National Underwriter Company, a unit of Highline Media LLC, one of the leading publishers of financial services products and information. Readers interested in purchasing a copy of "But What If I Live" can visit www.ButWhatIfILive.com.

"We are proud to partner with Dr. Salsbury and Jackson to bring this very important and often-overlooked information to those who need it most: financial service professionals and consumers," said Deborah Miner, JD, CLU, ChFC, editorial director of Tax and Financial Planning at the National Underwriter Company. "As a publisher, we value this new partnership, as it creates the ability to share information about the retirement crisis to a wide audience."

All of Dr. Salsbury's proceeds from the sale of "But What If I Live" will be donated to Junior Achievement through the Jackson National Community Fund. Reporters and segment producers interested in speaking with Dr. Salsbury on the American Retirement Crisis can contact Andrew Silver, public relations director for Jackson, at 303-224-7542 or [e-mail].

About Jackson National Life Insurance Company

With more than $70 billion in assets (GAAP)(8), Jackson National Life Insurance Company(R) (Jackson) is an industry leader in the areas of variable, fixed and fixed index annuities. The company also sells life insurance and institutional products. Jackson markets its products in 49 states and the District of Columbia through independent and regional broker-dealers, financial institutions and independent insurance agents. Jackson's subsidiary, Jackson National Life Insurance Company of New York(R), similarly markets products in the state of New York. Through its affiliates and subsidiaries, Jackson also provides asset management and retail brokerage services. For more information, visit www.jnl.com.

About the National Underwriter Company

NUCO, formed in 1897, is the leading publishing and information services business for the insurance industry. Headquarters are in Erlanger, Kentucky, a suburb of Cincinnati, and principal editorial and advertising sales offices are in Hoboken, New Jersey. NUCO's Insurance Magazine Division publishes two weekly newsmagazines for the property/casualty and life/health insurance sectors carrying the National Underwriter brand. The company also publishes Claims, a monthly magazine for claims executives; Tech Decisions, for IT insurance professionals; Advising Boomers, for financial advisors to the baby boom generation; and two regional titles, Florida Underwriter and Insurance Advocate (NY metro market). In live events, NUCO sponsors the Annual Claims Exposition, and the Life Insurance Sales Mastery Forum. NUCO's Professional Publishing Division issues its Fire, Casualty and Surety bulletins, reporting on the latest developments in insurance policy application and legal interpretation; and the TaxFacts annuals, summarizing how the tax code affects insurance and investment decisions, among some 160 titles in all. For more information about NUCO, visit www.nuco.com.

About Highline Media LLC

Highline Media LLC is a publishing company focusing on information for the financial, insurance and real estate sector headed by Andrew L. Goodenough, its President and Chief Executive Officer. The company's first acquisition was the National Underwriter Company in October 2003, and its second was the insurance and banking data assets from Thomson, formerly marketed under the Sheshunoff and Thomson Financial Insurance Solutions brand names. Highline intends to acquire and launch publishing assets in the financial services, insurance and real estate fields. For more information, visit www.highlinemedia.com.

1.  Greg Crawford and Vineeta Anand, "The Looming Retirement
    Disaster," Pensions & Investments, April 18, 2005
2.  Crawford and Anand, op. cit.
3.  Tax Foundation, 2005
4.  Ibbotson Yearbook, Ibbotson & Associates, 2004
5.  "Savings Needed to Fund Health Insurance and Health Care Expenses
    in Retirement." Paul Fronstin, EBRI Issue Brief #295, 7/06
6.  "Gold: There's No Free Lunch."  John Ing, March 30, 2006
7.  "Personal Bankruptcies Soar to All-Time High." CNN Money.com,
    March 24, 2006
8.  As of 6/30/06 Jackson had $70.7 billion in total GAAP assets
    and $63.1 billion in GAAP policy liabilities set aside to pay
    primarily future policyowner benefits.

The following cautionary statement is included to make applicable and take advantage of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 for any forward-looking statements made by, or on behalf of, the Company. Forward-looking statements include statements concerning plans, objectives, goals, strategies, future events or performance, and underlying assumptions and other statements which are other than statements of historical facts. However, as with any projection or forecast, forward-looking statements are inherently susceptible to a number of risks and uncertainties and actual results and events could differ materially from those currently being anticipated as reflected in such forward-looking statements. There can be no assurance that management's expectations, beliefs or projections will result or be achieved or accomplished.