URI:http://www.jeffnat.com/print.cfm?docid=26Date: 06 Sep 2010

The logic of variable annuities. The exponential benefits of Monument Advisor for growing your retirement portfolio.

If you're committed to building long-term wealth, then you're probably already investing in traditional tax-deferred plans today through a 401(k) or personal IRA. Problem is, tax laws limit yearly contributions to these plans. Result? You earn limited income from these sources.

That's where a variable annuity comes in. It can help supplement those long-term savings vehicles with a unique combination of benefits:

virtually unlimited contributions*;
tax-deferred compounding;
the flexibility to choose how your contributions are invested; and
the option to turn your annuity assets into guaranteed regular income when you retire.

Yet as sound an idea as traditional variable annuities are, our groundbreaking Monument Advisor trumps them by offering a flat insurance fee of only $20 per month† no matter how much you invest.* Plus more fund options than any other non-qualified annuity available today: 200+. The answer is "Monument Advisor." The question is, "How can I get the most value from a new or existing annuity?"

We're so confident in the value Monument Advisor offers to investors that we encourage you to compare investing in a taxable account vs. a tax-deferred account with our MAX comparison tools. For long-term investments the benefits of tax deferral can be astounding.

Annual Insurance Fees: Monument Advisor vs. Typical Annuity

Fee comparison: Monument Advisor vs. typical annuities. The typical annuity insurance fee is 1.35%. (Morningstar® 12/08)

* Minimum deposit of $25,000. Deposits in excess of $10 million are subject to company approval.