The average variable annuity has 57 underlying fund options according to Morningstar data as of 12/15. Monument Advisor has over 350 underlying investment options as of 12/15.

For a $25,000 contract, Monument Advisor’s flat insurance fee of $20 per month is lower than 87% of all other variable annuity insurance charges. For a $241,000 contract, the $20 flat insurance fee is the industry’s absolute lowest variable annuity insurance charge. Source: Morningstar®, 12/15.

Minimum deposit of $15,000. Deposits in excess of $10 million are subject to company approval.

Annual savings are based on an industry average M&E charge of 1.35% (According to Morningstar® 12/15). Monument Advisor’s flat annual insurance fee of $240, and a Monument Advisor average contract value of $239,000 (as of 12/15).

Review current annuity for loss of benefits or surrender charges you may incur. Monument Advisor does not provide enhanced living, death or withdrawal benefits. Until distributed, the Death Benefit amount in the investment portfolios is subject to investment risk. Some of the fees you are paying in your current annuity could be for benefits Monument Advisor does not provide.

The IRS may charge a 10% tax penalty on any withdrawal made before age 59½.

Payments made pursuant to any guaranteed minimum death benefit are based on the claims paying ability of Jefferson National Life Insurance Company.

Testimonials may not be representative of the experience of other Jefferson National variable annuity contract holders. Testimonials are no guarantee of future performance or success. No fees were paid to the individuals who provided these testimonials.

There are no additional tax benefits associated with using a variable annuity inside a qualified plan.

The Jefferson National platform is defined as the website(s) and a combination of software applications, databases, and hardware which process transactions including opening new accounts, creating fund allocations, completing fund transactions, reporting, issuing statements, and managing administrative data, etc.

The cost of a typical variable annuity is about 135 basis points per year in M&E fees. Source: Morningstar® (12/15).

Before switching from one variable annuity to another, one should consider any surrender charges or expenses that may be incurred.

Total client savings derived from annual average Monument Advisor contract size multiplied by Morningstar® average M&E of 1.35%, minus the $240 flat-insurance fee of Monument Advisor, and then multiplied by the number of policies in force. Data spans May, 2005 through December, 2015.

Depending on a client’s time horizon, tax-inefficient asset classes may perform better in a tax-deferred account. Source: Vanguard Total Stock Market Index and Vanguard Total Bond Index. Based on return data from the CRSP Mutual Fund database, calculated for the highest Federal tax bracket. Average state taxes are also included. The 10-year returns are calculated for each 10 year period starting since the fund’s inception in 1993 through 1998.

Variable annuities involve risk, including possible loss of principle.

Past performance is no guarantee of future results.

When assets are withdrawn from the Monument Advisor variable annuity, earnings are taxed as ordinary income.