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Learn more about flat-insurance fee VAs at our Annuity Rescue Center on NAPFA's website.
arrow You won't believe how much you could save with a flat insurance-fee variable annuity
Find out with our simple Annuity Comparison Calculator. (Our average customer saves an astonishing $2325 in fees each year.*)
*Annual savings are based on an industry average M&E charge of 1.35% (According to Morningstar 12/06). Monument Advisor's flat annual insurance fee of $240, and a Monument Advisor average contract value of $190,000 (as of 1/08).
open quoteA flat fee of $20 a month is unheard of...Over time, this is a huge advantage.
—Chicago Tribune, February 2006

Finding the right variable annuity is easy. Once you know where to look.

Variable annuities can offer attractive tax-deferred growth opportunities. 1> If the growth isn't stunted by high fees. 2> Or hamstrung by investment choices that are far too limited.

Monument Advisor to the rescue. This groundbreaking solution eliminates the fundamental weaknesses of traditional annuities. Plus it delivers a bundle of other benefits that make it an exceptional value for your money:

  • Sayonara to M&E charges. Monument Advisor has one flat insurance fee of $20 per month.* Nearly all other annuity companies assess mortality and expense charges to cover the annuity's guarantees. Typically, those charges are calculated as a percentage of your annuity assets. So the more you invest and the more your annuity grows, the higher the fees.
  • Surrender charges and sales charges are history. Many annuities also assess upfront sales charges on your contributions—as well as back-end "surrender" charges if you withdraw your money before a certain number of years. This can hamper your growth—as well as your access to your money in case of an emergency. Monument Advisor, as a result, does not provide additional benefits such as a living benefit or death benefit.
  • Forget bells & whistles. Monument Advisor just hums along with low cost tax-deferral. Many annuities offer add-on guarantees that may sound attractive but may also cost more than you think. Evaluate the real benefit of each of these features against their cost. Also, be mindful that Monument Advisor does not offer additional benefits such as living, death etc.
  • More fund options than any other non-qualified annuity. 200+. From 20+ top managers. Variable annuities let you direct how your contributions are invested across the range of funds the annuity offers. So be sure to check out the annuity's fund options. To build a diversified portfolio, you need access to a breadth of options across key asset classes. Not just the usual suspects and off-the-shelf solutions from the parent company.
 
 

* 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 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-newtovariableannuities-20080614