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Elite Choice®


Seeking Growth Without Market Volatility. Overcoming today's challenges to retirement, low interest rates, the need to out-pace inflation, and unpredictable markets, can be difficult. Jackson's® retirement products can assist you in overcoming those challenges while providing the lifetime income you are looking for.

Elite Choice is a fixed index annuity that combines the protection of a fixed annuity with 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 you the flexibility to meet changing needs.

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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before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?

Fixed Index Annuity ChartElite Choice 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.

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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 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 gives you potential additional interest tied to the return of 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 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 Single Premium Deferred Fixed Annuity With Index-Linked Interest (contract form number FIA400, ICC13 FIA400) 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 charges. 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

CMI16071I 07/16

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