Printed from: www.jeffnat.com. 05/17/2012

Variable Annuities

Why more RIAs and fee-based advisors are turning to the 2010 Financial Services Company of the Year

Before companies go into business, they start out as ideas. At Jefferson National, the idea is simple: Develop innovative products and services that provide superior consumer value and break new ground for fee-based advisors.

Delivering value to RIAs, fee-based advisors and consumers

In 2006, we introduced the industry's first flat-insurance fee variable annuity. Instead of complex, asset-based, fee-heavy VAs laden with pricey bells and whistles, we created Monument Advisor. Our Ultimate Retirement Vehicle gives investors all the wealth accumulation value of a tax-deferred investing solution boasting 360+ underlying funds, and all the transparency absent in Smoke & Mirror VAs—all for $20 per month1 over the life of the contact.

A new way to think about tax-deferral and accumulation

Monument Advisor is a completely new way to think about tax-deferral and accumulation—and has redefined the Variable Annuity industry. Independent advisors love it. High net worth clients embrace it. The financial press praises it. From 2006 to late-2011, sales of our flat-insurance fee VA topeed 1 billion dollars.

Our Third Party Investment Advisor Marketplace: The one-stop destination for RIAs and fee-based advisors looking for experienced Asset Managers

Now you can access one source to find a list of dedicated Third Party Investment Advisors who specialize in a broad range of investment strategies.

If you like the idea of innovative, relevant and productive investment solutions, you've come to the right place. Ours.

1 Jefferson National’s Monument Advisor has a $20 flat insurance fee on more than 97% 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.

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. For a prospectus and underlying fund prospectuses 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 59½ 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-20120427