Jefferson Pilot Financial will be marketing a pair of new indexed annuity products through different channels.[@@]

Jefferson Pilot, a unit of Jefferson-Pilot Corp., Greensboro, N.C., will be selling the Jefferson Pilot OptiChoice indexed annuity through insurance agencies and the Jefferson Pilot Clear Point indexed annuity through banks.

The Jefferson Pilot OptiChoice annuity is a flexible-premium deferred annuity. The annuity offers a fixed account and choice of 3 indexed accounts with crediting rates linked to the performance of the S&P 500 Index. The indexed account choices include a 1-year point-to-point option, a 1- year monthly cap option and a 1-year monthly average option. Purchasers can choose between surrender-charge terms of 5, 7 or 9 years.

The other annuity, the Jefferson Pilot Clear Point annuity, is a single-premium deferred annuity that offers purchasers a choice between a 1-year point-to-point S&P 500 index account and a 1-year fixed interest account.

Purchasers of the OptiChoice annuity can withdraw up to 10% of contract value per year without paying a surrender charge, and purchasers of the Clear Point annuity can withdraw up to 15% of the contract value.