Jefferson National's Monument Advisor, the first flat-insurance fee variable annuity with the largest supermarket of more than 175 tax-deferred investment options, now offers the VA industry's most subaccounts with the Five-Star Morningstar Rating according to the latest Morningstar DirectSM data.1 Featuring 50 subaccounts with the Five-Star Morningstar Rating, Monument Advisor significantly outranks any other competing VA. Other top competitors include Schwab's One Source, with 28 Morningstar 5-Star rated subaccounts; Nationwide's Best of America Advisor, with 22 Morningstar 5-Star rated subaccounts and Ameritas, offering 13 Morningstar 5-Star rated subaccounts. On average, the typical VA offers just 4 subaccounts with the Five-Star Morningstar Rating. In addition, Jefferson National's Monument Advisor offers 46 subaccounts with the Four-Star Morningstar Rating, for a combined total of 96 Morningstar 5-Star and 4-Star rated subaccounts, also the most in the industry.

"By offering the most variable annuity subaccounts with the Five-Star and Four-Star Morningstar Rating, Monument Advisor continues to provide greater choice and more quality to ensure that fee-based advisors and their clients can have the alternatives they need to manage risk and generate returns, even under the toughest market conditions" said Laurence Greenberg, President and CEO of Jefferson National. "In this challenging environment, a wide choice of tax-deferred investment options like Monument Advisor's is critical for retirement saving, but hard to find within typical variable annuities."


"With the broadest selection and the most subaccounts in the industry, Monument Advisor's lineup is second to none with breadth unlike any other VA," said Ted Kerr, President of Pittsburgh-based Kerr Financial Group and Investment Advisor Representative with Commonwealth Financial Network. "I have finally found a VA that has broken the investment barrier."

"Monument Advisor's deep selection of top-quality investment options allows us to target and try to be very specific, which enhances our ability to manage money for our clients," says Todd Much, Founder and President of Chicago-based CTS Financial Planning. "Offering the most subaccounts with the Five-Star Morningstar Rating, plus one of the lowest costs on the market, there's no competition from other annuities that we have seen."

Monument Advisor's tax-deferred investment platform offers 4 times more funds than the typical VA2, including top performing bond funds from Loomis Sayles and PIMCO, ultra low-cost funds from Vanguard, hard assets, REITs, inverse funds, market neutral funds, and a suite of Rydex funds designed for dynamic trading. During the accumulation period, transfers between funds are unlimited3, allowing investors to adjust their portfolio, tax free.

With a flat-insurance fee of $20 per month4 no matter how much clients invest5, Jefferson National's Monument Advisor costs less than 91% of all competing VAs on a contract of $25,0006 and is uniquely positioned to meet the needs of the rapidly growing market of RIAs and independent fee-based and fee-only advisors. According to Cerulli Associates, assets in the RIA space are growing at an annual rate of 15%, one of the fastest-growing segments in the industry,7 and more than 65% of brokers surveyed said they would be interested in going independent.8 About Jefferson National Life Insurance Company Jefferson National Life Insurance Company offers retirement products for fee-based advisors and the clients they serve. Jefferson National believes that simple, low-cost variable annuities should be considered for a part of every American's retirement portfolio, and we've made it our mission to help all Americans save more for retirement by launching Monument Advisor, the first variable annuity with a flat insurance fee. Jefferson National serves more than 50,000 customers nationwide, and is domiciled in Dallas, Texas with authority in 49 states and the District of Columbia. To reach our advisor support desk, please call 1-866-WHY-FLAT (1-866-949-3528). To learn more, please visit www.jeffnat.com. Important Disclosure: 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.

© 2009 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. 1 Morningstar data as of 05/31/09.2 The average variable annuity has 44 underlying fund options according to Morningstar data as of 12/31/08.3 See prospectus for limitations on transfers.4 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. The death benefit is equal to the contract value, and is subject to investment risk. An optional Guaranteed Minimum Death Benefit is available for an additional fee. Please see prospectus for details.5 Contributions in excess of $10 million are subject to Company approval.6 Morningstar data as of 12/31/08.7 Cerulli "Quantitative Update: Intermediary Markets," 2008.8 Cerulli Quantitative Update: Advisor Metrics," 2008.