Let f be an element that is not in nil(A), and show it is not in jac(A) either. The powers of f never reach 0, so let B be the fraction ring of A, whose denominators are powers of f. Like the ring A, B is a finitely generated K algebra. This is less than obvious, so let's take a closer look.
If x is a unit in A, such as an element of K, and x/1 becomes 0 in B, then x times a power of f is 0, making x a zero divisor. Since unit and zero divisor are incompatible, all of K maps to K, and B is indeed a K algebra.
Carry the generators of A forward into B, and bring in the addditional generator 1/f. That's all we need to span B, hence B is a finitely generated K algebra.
Let M be a maximal ideal of B, and map B/M into C, where C is the algebraic closure of K. (Such a map was described earlier.) In other words, the field B/M becomes a finite extension L/K in C.
By applying x → x/1, A maps into B, then into B/M, then into L, then into C. This composite homomorphism has a maximal ideal D in A. Since D maps into M, a proper ideal of B, D cannot contain f. Thus D is a maximal ideal that misses f, and f is not in jac(A).
Let A be the dvr Zp, that is, Z localized about p. The jacobson radical is generated by p, and the nil radical is 0. Let f = p, an element that is not in nil(A). Let B be the fractions of A by f. This is simply Q, the rational numbers. We don't have to worry about B/M being a field, because B is already a field. So a ring homomorphism takes A into B, which is a field. Since these rings are integral domains, the homomorphism is an embedding. The preimage of 0 is guaranteed to be a prime ideal missing f, but it need not be maximal. In fact the preimage of 0 is 0, which is not a maximal ideal in A.
Well these aren't even K algebras. Perhaps a more satisfying example is A = K[x] localized about x. This is another dvr. It is a K algebra, but not finitely generated. Let B = A adjoin 1/x, thus giving K(X), or all the rational functions in x. This is a field, but not a finite extension of K. As A embeds, it is not integral over K, and we cannot upgrade it from integral domain to field. The kernel need not be a maximal ideal; and it is not.