URI:http://www.jeffnat.com/print.cfm?docid=41Date: 09 Sep 2010

Put your retirement on a low-cost annuity fee diet with our astounding $240-a-year annuity.*

As the industry's first brilliantly simplified, low-cost variable annuity, Monument Advisor works on the principle of addition by subtraction. It gives you less of what you don't want—and more of what you do. We subtracted the costly features that complicate so many other annuities. And we added more of the investment options long-term investors really need and want. As a result, Monument Advisor does not provide additional benefits such as a living benefit or death benefit.

Here's what makes our low-cost variable annuity, Monument Advisor, so innovative compared to the other variable annuities on the market today.

Groundbreaking Benefit	Why it offers a competitive advantage
LOWER Cost
ZERO Mortality and Expense Charges	Monument Advisor does not assess any M&E fee. This is unlike most annuities which keep an average 1.35% of consumers' assets each year to cover insurance charges.
ZERO Sales Charges	100% of your investment to Monument Advisor starts building potential earnings. And without the drain of sales charges, your assets are poised to grow faster.
ZERO Surrender Charges	Unlike other VAs, Monument Advisor does not penalize you if you need to withdraw assets at any time. Just remember that the IRS assesses a 10% early withdrawal penalty on withdrawals from your annuity before age 59½.
ZERO Commissions Paid	Unlike other annuities, Monument Advisor does not pay commissions to any sales person. Not only does that keep annuity costs low, it assures you of unbiased advice from your advisor.
ONE Flat Monthly Insurance Fee of Only $20 Per Month*	With most variable annuities, the greater the annuity assets, the higher the insurance fees. But with Monument Advisor, there is no asset-based insurance fee. It remains the same flat fee each year whether your account grows to $100,000 or $10 million, guaranteed.
MORE Investment Flexibility
A Diverse Range of Fund Options	Monument Advisor offers over 200+ underlying fund options managed by more than 20+ independent and well-respected fund families—more than any other non-qualified variable annuity¹.
Options for Active Management	Monument Advisor's full range of investment options include 40+ trading-friendly Rydex funds as well as the ability to make tax-free transfers whenever you need to. (Just check our prospectus for any limitations.)