Morningstar Advisor - February/March 2009 - (Page Cover2) Our remarkable tax-deferred retirement vehicle. Pure engineering genius. Outstanding trade-in value. Call 1.866.667.0564. Or, visit us at www.jeffnat.com/taxdeferral 1 Jefferson National’s Monument Advisor charges a $20 fl at-insurance fee with no transaction fees on more than 97% of underlying funds. Jefferson National also makes available ultra low cost funds on a transaction fee basis 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. The range of underlying fund fees reflect the minimum and maximum charges after contractual waivers that have been committed to through at least May 1, 2008. 2 Annual savings based on an industry average M&E of 1.35% (according to Morningstar ® 12/31/06), Monument Advisor’s fl at annual insurance fee of $240, and an average contract value of $190,000 (as of 12/07). 3 The IRS may charge a 10% tax penalty on any withdrawal made before age 59 1⁄2. 4 Key Assumptions: $500,000 investment in moderate portfolio at age 45. $90,000 withdrawal starting at age 66, growing with infl ation at 2.6%. Highest tax bracket. Flat fee VA costs $240\yr. The Monument Advisor variable annuity is issued by Jefferson National Life Insurance Company and offered by prospectus only. Jefferson National Securities Corporation is a member of FINRA and the principal underwriter of the variable annuities issued by Jefferson National. Policy Series JNL-2300-1, JNL-2300-2. JNL2008G022 02/08 http://www.jeffnat.com/taxdeferral
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