URI:http://www.jeffnat.com/print.cfm?docid=28Date: 06 Sep 2010

Monument Advisor. How can an idea this sharp be so flat?

Say hello to the first variable annuity with a flat insurance fee. That means it doesn't increase as your account grows. $20 a month.* $240 a year. Guaranteed, Forever.¹

Like to see how much bigger and faster your retirement assets grow when they're not bogged down by high fees and ongoing taxes? Easy. Put Monument Advisor under the microscope. Here's what jumps out at you:

NO hidden fees. Just one easy-to-grasp flat insurance fee of $20 per month,* regardless of how much you invest—or how much your annuity grows.² And, this low fee is guaranteed to stay the same forever.
NO other insurance charges. No asset-based insurance charges. No upfront sales charges. No surrender charges.³ All you pay are the investment management fees that apply to the underlying fund portfolio.
NO sales commission paid. No sales commissions means that advisors can recommend this product without the conflict of interest associated with most commissioned product sales.
UNPARALLELED number of investment options. Just think, over 200+ funds from more than 20+ top, independent money managers, covering all asset classes.
GREATER tax-deferred growth potential. It stands to reason. Assets can grow faster when fees are low and taxes are deferred.
BEST IN CLASS online investing platform. This lets you customize your asset allocation and manage it smoothly and confidently over time.

Hypothetical Cumulative Fee Comparison: Monument Advisor vs. Typical Annuities. The typical annuity insurance fee is 1.35%.⁴ Asset size at year 0 is $250K. Assumed hypothetical annual growth rate for this illustration is 8%. This is purely hypothetical and does not reflect the growth rate of any annuity. Monument Advisor does not provide living benefits, death benefits or additional riders.

Compare your current variable annuity fees with Monument Advisor and see how much you may save with our handy Annuity Comparison Calculator.

Here's a tip: Even if you already own a variable annuity, check to see whether you will benefit from transferring your variable annuity assets to Monument Advisor—tax free. (Before exchanging your annuity—review your existing contract to determine if any penalties, surrender charges or loss of benefits will apply.)

Let us send you a complete Monument Advisor kit.