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Elite Choice Rewards®


Combine Growth With Guaranteed Protection. Finding growth opportunities while avoiding market uncertainties can be a challenge to your overall retirement plan.

Elite Choice Rewards is a fixed index annuity that offers a bonus provision as well as the potential growth of additional interest that is linked to the return of an index. It can provide the guarantees you need to create a lasting retirement plan while giving your contract value an extra boost when you need it most — at the beginning of your chosen term.

What is an Annuity? An annuity is a long-term, tax-deferred vehicle designed for retirement. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before
age 59½.

Why Elite Choice Rewards?

Fixed Index Annuity ChartElite Choice Rewards fixed index annuity offers the powerful combination of protection, growth, and flexibility to pursue retirement goals.

Explore each option below (+) to learn more about the features and benefits of Elite Choice Rewards.

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Protection: Guarantees You Can Count On

Having a foundation that you know will be there when you need it allows you to focus on growing your future retirement income. Elite Choice Rewards provides you protection from potential market risk, plus guarantees to not outlive your income and a legacy for your heirs.

Growth: Select Your Index and Crediting Method

Market uncertainty has investors looking to manage risk while seeking growth potential. Elite Choice Rewards gives you potential additional interest tied to an index, multiple ways to calculate that interest, and the added benefit of tax-deferred earnings.*

*Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or an IRA, and may not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.

Flexibility: Options To Fit Your Needs

You may elect to convert your Elite Choice Rewards withdrawal value into a stream of income using one of several available options, including a lifetime income option that provides monthly payments for life.

The Maturity Date allowed under the contract is the owner's age 95, which is the required age to annuitize or take a lump sum.

Understanding Annuities
Cup of coffee with pen and bar graphs

Examine the potential benefits of fixed index annuities (FIAs) as part of a balanced, long-term portfolio plan.

Build a Foundation

Partner with a professional to help pursue your long-term financial goals.

Fixed index annuities are not available in New York.

Fixed index annuities are also known as fixed annuities with index-linked interest.

Elite Choice Rewards Single Premium Deferred Fixed Annuity with Index-Linked Interest and Bonus Provision (contract form number ICC13 FIA450, FIA450) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. Not available in all states and state variations may apply. This product is a fixed annuity that does not participate in any stock or equity investments and has limitations and restrictions, including withdrawal and recapture charges (not applicable in all states). During the Indexed Option Period, the annuity's cash withdrawal value may be less than the initial premium. For costs and complete details, contact your representative or the Company.

The design of these annuity contracts emphasizes the protection of credited interest rather than the maximization of interest rate crediting. Jackson issues other annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Fixed index annuities may not be suitable for everyone.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •
Not a deposit • Not insured by any federal agency

CMI16072I 02/19

© 2019. All rights reserved
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951