Annuity Rescue Center - Monument Advisor Variable Annuity - Offering a Greater Retirement Savings Vehicle

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It's astounding what happens to a Variable Annuity when you substitute an affordable, flat-insurance fee for all those heavy fees and pricey commissions.¹ Suddenly you're left with a very attractive tax-deferred investment vehicle. Namely Monument Advisor. A vehicle ideally designed to maximize retirement income or help avoid asset-eroding fees in traditional variable annuities. (Monument Advisor's flat-insurance fee VA saves our customers an average of $2,000 in annual insurance charges.)²

Monument Advisor pencils out at just $20-per-month.³ That's just $240-per-year. That's no introductory offer. It's a flat-insurance fee of $20-per-month for the life of the contract. No matter how much you invest. No matter how much the annuity grows.

What's more, Monument Advisor has no M&E fees, no surrender charges, no commissions, no complexity. Take our Challenge. Compare your current Variable Annuity to Monument Advisor to see how much more you can save for your retirement.

That's why we created the Annuity Rescue Center. Specifically for you. Use it to learn how much you can save through a flat-fee variable annuity like Monument Advisor. Read and contribute to our blog. Review testimonials. Or, check out the annuity resources and discover the advantages of Monument Advisor.

Estimated first-year insurance fee savings
for consumers like you: $2,000²

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¹Before switching to Monument Advisor, please review the policy and prospectus to identify any penalties, surrender charges or loss of benefits that may pertain to your existing variable annuity contract. Monument Advisor does not provide enhanced living benefits, or withdrawal benefits. Until distributed, the Death Benefit amount in the investment portfolios is subject to investment risk. Please consult with a tax advisor for any potential tax consequences for switching from one variable annuity to another. Please note this is not an endorsement to switch from your current annuity to the Monument Advisor variable annuity. You should review your particular situation to determine which variable annuity is appropriate for your needs.

²Annual savings are based on an industry average M&E charge of 1.35% (According to Morningstar 12/07). Monument Advisor's flat annual insurance fee of $240, and a Monument Advisor average contract value of $166,000 (as of 1/09).

³Jefferson National's Monument Advisor has a $20 flat insurance fee on more than 97% of our underlying funds. Certain funds also have a transaction fee ranging from $19.99 to $49.99 per transaction, depending on the number of transactions per year. See the prospectus for details. Like other variable annuities, the customer pays fees of the underlying funds selected plus the fees of any advisor hired.

⁴There are no additional tax benefits associated with using a variable annuity inside a qualified plan.

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. For a prospectus containing this and additional information, please contact your financial professional. Read it carefully before investing. The summary of product features is not intended to be all-inclusive. Restrictions may apply. The contracts have exclusions and limitations, and may not be available in all states or at all times.

Variable annuities are investments subject to market fluctuation and risk, including possible loss of principal. Your units, when you make a withdrawal or surrender, may be worth more or less than your original investment.

Variable annuities are long-term investments to help you meet retirement and other long-range goals. Withdrawal of tax-deferred accumulations are subject to ordinary income tax. Withdrawals made prior to age 59 ½ may incur a 10% IRS tax penalty. Jefferson National does not offer tax advice. Annuities are not deposits or obligations of, or guaranteed by any bank, nor are they FDIC insured.

Monument Advisor is issued by Jefferson National Life Insurance Company (Dallas, TX) and distributed by Jefferson National Securities Corporation, FINRA member. Policy series JNL-2300-1, JNL-2300-2.