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Last year, Jefferson National Life Insurance Co. in Dallas introduced a variable annuity that imposes no commissions or surrender fees, and charges a flat insurance fee of $20 a month regardless of the annuity's size. By comparison, the average variable annuity charges an insurance fee of about 1.38% according to investment researcher Morningstar, Inc. On a $100,000 contract, that is the difference between paying $240 a year or $1,380.—Wall Street Journal, May 15, 2006.
Jefferson National. 70 years of fresh thinking. And counting.
At Jefferson National Life Insurance Company, the ink has been dry on our business cards since 1937. And while there is no substitute for experience, we’re more committed than ever to remaking the variable annuity industry with pioneering products like Monument Advisor. Investment products that are easy to grasp, yet rich in opportunities—low cost, yet high in real value.
With these opportunities comes peace of mind. All client assets are held in separate accounts, putting you and your client in complete control. If you like the idea of innovative, relevant and productive investment solutions, you’ve come to the right place. Ours.
- GAAP Assets: $2.3 Billion.*
- Total Statutory Capital and Surplus: Over $49.9 million—well in excess of regulatory requirements.**
- Statutory Reserves: Established in accordance with conservative regulatory guidelines to satisfy policyholder obligations.
- High Quality Investment Portfolio: $600 million. More than 94% of assets are investment grade.*
*GAAP as of 12/31/05.
**As of 12/31/05.
Our products
Jefferson National offers variable annuities to protect and build long-term wealth. Within our suite of financial tools is Monument Advisor, the first VA with one flat monthly insurance fee of just $20*—no matter how much the account value grows. It allows annuity owners to get the most out of a long-term tax-deferred investment, along with the following features:
- recognized money managers, offering more than 150 variable investment options; and
- access to alternative investments and tradeable funds, including Rydex portfolios and the Van Eck Worldwide Absolute Return Fund, just to name a couple.
*Like other variable annuities, the client pays the fees of the underlying funds selected (currently ranging from 0.27% - 2.50%; except for Rydex VT Inverse Gov't Long Bond Fund which is currently 5.11%), plus the fees of any investment advisor that the consumer hires.
In addition to Monument Advisor, Jefferson National maintains a suite of traditional variable annuity products.
Our technology
One of the key reasons we can deliver low-cost product solutions is that we've developed a fully automated, process for serving our customers and their advisors. This technology includes:
- one-click aggregate account information, client statements, and financial planning tools;
- Ibbotson model allocations and online modeling tools for both clients and advisors; and
- dollar cost averaging, asset rebalancing and many other customer allocation tools.
Our people
Our staff of seasoned financial professionals has a wealth of experience in the financial services industry. Together, they're committed to providing superior solutions, support and service.
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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-index-20061207