Here's what our clients really think...¹

Our clients are just as committed as we are to helping Americans save more for retirement than ever before. That's why they've told their stories here. We hope you'll read their words and be inspired to put the power of tax deferral to work.

"I have saved tens of thousands..."

"It is really incomparable—You can't compare the flat [insurance]-fee to any other [variable annuity]. I have saved tens of thousands of dollars using the flat [insurance]-fee VA. That is money that I can leave in the VA to accumulate and grow. We don't live high on the hog, but that kind of savings has definitely enabled me to spend more."

—Jeffrey Heineman, Consumer

"I have saved a substantial amount that can be applied to my retirement..."

"One benefit of a Flat [insurance]-Fee [variable annuity] is that it has allowed me to simplify my life. When I saw how much I was able to save, I was determined to move even more money over to Jefferson National and consolidate different accounts. I now have consolidated five accounts from different investments into Jefferson National—Five different accounts. That's how much confidence I have in the value of their Flat [insurance]-Fee VA. And with all the money I'm able to save on fees, I can put away a substantial amount of additional money for myself—or use that savings to pay for an advisor's fee if I need it one day."

—Ken Benoit, Consumer

"I can't imagine using another Variable Annuity."

"I was using another low-cost variable annuity which wasn't bad—but compared to Jefferson National's flat [insurance]-fee variable annuity they had higher M&E [fees] and that was eating into my returns. We have more than $1.5 million in our variable annuity and the competitive M&E was costing us more than $11,000 each year in fees. That's a lot of extra money that we can live on in retirement...Now that I've made this switch, I'm not going anywhere. I can't imagine using another variable annuity"

—Dale Dann, Consumer

"The absolute lowest fee-and all the funds I could want."

"I was using Ameritas because it was the lowest cost on the market and had the least trading restrictions. Then I moved to Skandia because it had more of the funds that I wanted to use. And then came Jeff Nat. It was really the best of both worlds. It has the lowest fee—the absolute lowest fee—and all the [underlying] funds I could want."

—Marvin Gish, Consumer

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¹Testimonials may not be representative of the experience of other Jefferson National variable annuity contract holders. Testimonials are no guarantee of future performance or success. No fees were paid to the individuals who provided these testimonials.

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.