Data for these comparisons is provided by a data feed from Morningstar®. ©2007 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.Jefferson National has not independently verified the accuracy of this data.

Insurance M&E charges have been automatically calculated based on data collected from Morningstar.

The above charts and tables reflect a hypothetical illustration based on the information provided in the calculator (ranging from 0% - 12%). Estimated annual savings assume the contract value grows at the rate you entered in the calculator and excludes any differences in underlying fund charges. The values shown do not reflect the deduction of underlying fund charges. If included, the values would be lower than those shown. Please compare the fees charged by underlying funds in your current annuity versus those charged by Monument Advisor prior to purchasing Monument Advisor. Jefferson National Life Insurance Company's Monument Advisor has a $20 flat insurance fee on more than two thirds 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.

¹Review current annuity for loss of benefits or surrender charges you may incur. Monument Advisor does not provide enhanced living, death or withdrawal benefits. Until distributed, the Death Benefit amount in the investment portfolios is subject to investment risk. Some of the fees you are paying in your current annuity could be for benefits Monument Advisor does not provide.

²The break even period calculation does not include any money management advisory fees.

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. Withdrawals before age 59½ may incur a 10% tax penalty.

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.

Form #: jef-calculator-20081125 . ©2000 - 2010 Jefferson National Life Insurance Company.