A ballistic panel carrier jacket is disclosed. The jacket of this invention comprises a front section and a back section. The back section has a back pocket attached thereto having an opening for receiving a back ballistic panel. The front section has a plurality of front pockets attached thereto having a housing pouch for receiving a front ballistic panel and a receiving pocket for receiving and securing the pouch of the front ballistic panel such that the front right and front left pockets interact with one another such that a section of one is received within another. The carrier jacket of the present invention also discloses a false pocket breakaway section that functions as a Hidden Draw System (HDS) that allows a user access their firearm legally from the holster, quickly and discreetly.