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Testimonials may not be representative of the experience of other Advisors and is no guarantee of future performance or success.

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

The cost of a typical variable annuity is about 135 basis points per year in M&E fees. Source: Morningstar (12/10).

Annual savings are based on an industry average M&E charge of 1.35% (According to Morningstar 12/10). Monument Advisor's flat annual insurance fee of $240, and a Monument Advisor average contract value of $204,285 (as of 12/10).

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. The contract prospectus and underlying fund prospectuses contain this information. For a prospectus containing this and additional information, please contact your financial professional, or download it at http://www.jeffnat.com. 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 1/2 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.