Jn advisor brochure ny 012162014

Unlock Retirement IncomeSM Introducing the JNF SSgA Retirement Income Portfolio powered by Jefferson National’s Monument Advisor.

ISSUERS: JEFFERSON NATIONAL LIFE INSURANCE COMPANY | JEFFERSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK

Welcome to freedom and flexibility. The way retirement should be.

With today’s ongoing volatile market, low interest rates and rising taxes, it’s more challenging than ever to save for retirement.

Faced with a disappearing safety net and concerns about outliving their life savings, experts agree most Americans need to save even more.

Studies confirm that even High Net Worth investors haven’t taken into consideration all the factors that are likely to erode their retirement income. According to Morningstar™, a retiree seeking to achieve their retirement income goal with a 4% withdrawal rate would need to save an additional 42.9%.1 (Morningstar: Low Bond Yields and Safe Portfolio Withdrawal Rates, 2013).

Traditionally, guaranteed products have been a solution to address these concerns. But many insurers are shifting risk management for guaranteed products onto fund companies. There are now a growing number of funds designed to provide downside protection and generate income using hedging strategies and other approaches similar to what insurers use to manage risk.

These new funds seek to provide investment opportunities similar to the potential benefits offered by riders. However, when used in guaranteed products, investors often sacrifice control and accumulation potential.

The JeffNat difference. The State Street Global Advisors advantage.

At JeffNat, we’ve re-mastered variable annuities by providing RIAs, fee-based advisors and their clients with an affordable, tax-advantaged investing solution.

And now, working together with State Street Global Advisors, we have developed a solution to Unlock Retirement IncomeSM. Combining Monument Advisor, the first flat-fee variable annuity2, and the JNF SSgA Retirement Income Portfolio gives you the investment solution and flexibility you need to manage the retirement income challenge by:

A Solution to Unlock Retirement IncomeSM

Providing tax deferral at a low cost without any complicated riders or withdrawal restrictions Seeking a diversified, tactically-managed portfolio of income-focused ETFs managed by State Street Global Advisors Attempting to reduce portfolio volatility with Volatility DefenseSM

Now you’re driving your clients’ portfolios.

There are three important components that drive the JNF SSgA Retirement Income Portfolio: 1. A total return objective. Income-focused ETFs managed by State Street Global Advisors, seek to generate dividends and regular income, which are then reinvested to maximize accumulation.

2. Diversification across equity, fixed income and hybrids — including tactical management of underlying asset classes — to potentially generate income and improve overall return.

3. Experienced, institutional volatility management through Volatility DefenseSM to help smooth the ride.

Manage risk without complexity and added cost.

A retirement income solution that fits your practice.

Volatility DefenseSM is an additional risk lever on the portfolio that measures volatility trends of the underlying investments in the JNF SSgA Retirement Income Portfolio at the broad asset class level. It then adjusts the portfolio allocation based on those forecasts. Unlike many strategies used to manage volatility, Volatility DefenseSM doesn’t leverage the portfolio. It approaches volatility trends with a long-term outlook to mitigate impulsive reactions in the portfolio, which can hinder performance.

A. The JNF SSgA Retirement Income Portfolio can be used as a complement or similar replacement to an existing guaranteed product. One option is to allocate short-term assets to guaranteed products, and use the JNF SSgA Retirement Income Portfolio for long-term assets and additional accumulation. This solution is ideal for clients who own guaranteed products and are seeking additional income, need flexible withdrawal rates and want to be invested in the market.

By combining State Street Global Advisor’s total return approach to investing with the compounding potential benefits of Monument Advisor’s flat-fee VA, you can take back control of your client’s retirement income with the JNF SSgA Retirement Income Portfolio. Now you can:

B. Within a Monument Advisor account, you have the flexibility to allocate a portion or your clients’ entire portfolio to the JNF SSgA Retirement Income Portfolio, which can be used as a:

Maximize accumulation via low-cost tax deferral Adjust contract withdrawal rates as needed without penalty3

Core holding in a core satellite approach Managed volatility solution Tactical holding to complement your strategic asset allocation portfolios Fixed Income diversifier

Eliminate expensive rider fees Participate in the market, even during the distribution phase Complement this investment with a broad offering of nearly 400 investment options

Visit UnlockRetirementIncome.com.

It’s easy to get started.

STEP 2:

Implementing the JNF SSgA Retirement Income Portfolio into your practice is simple.

Visit JeffNat.com to download an application, complete an online application or use our Concierge Service to open a Monument Advisor account.

STEP 1:

STEP 3:

Use our Retirement Income Comparison Calculator at UnlockRetirementIncome.com to see how Monument Advisor can meet your clients’ retirement income needs.

Once your account is open, invest in the JNF SSgA Retirement Income Portfolio by building a MAx Model, or by creating a portfolio using our Account Management tools. You’re all set.

Visit UnlockRetirementIncome.com today.

ABOUT JEFFNAT

Morningstar: Low Bond Yields and Safe Portfolio Withdrawal Rates, 2013. Assumptions are based on a retiree who wants a 90% probability of achieving a retirement income goal would only have an initial withdrawal rate of 2.8%. This would require 42.9% more savings if that individual wanted to pull the same dollar value out of the portfolio annually, as he or she would get with a 4% withdrawal rate from a smaller portfolio.

1

Monument Advisor has a $20 monthly flat-insurance fee. Additional low-cost fund platform fees ranging from .10%-.35% will be assessed for investors wishing to purchase shares of low-cost funds. See the prospectus for details.

2

Withdrawals made prior to 59½ may incur a 10% IRS tax penalty.

3

As of March 31, 2014. This AUM includes the assets of the SPDR Gold Trust (approx. $33.7 billion as of March 31, 2014), for which State Street Global Markets, LLC, an affiliate of State Street Global Advisors, serves as the marketing agent. Please note that AUM totals are unaudited.

4

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. For a prospectus and underlying fund prospectuses 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 59½ 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.

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.

Variable Annuities are issued by Jefferson National Life Insurance Company, (Dallas, TX), or Jefferson National Life Insurance Company of New York (New York, NY) and distributed by Jefferson National Securities Corporation, FINRA member. Policy series JNL-2300-1, JNL-2300-2, JNL-2300-3, JNL-2300-1-NY. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC USE. SSgA is not affiliated with Jefferson National. JNL201404-A070 10350 Ormsby Park Place | Louisville, Kentucky 40223 | 866.667.0564 | www.jeffnat.com

Jefferson National is committed to serving RIAs and fee-based advisors with low fees, greater transparency and more choice, so they can help their clients build wealth and achieve their financial goals. Named the industry “Gold Standard” for our unique approach to tax-advantaged investing, and winner of more than 45 awards, we continue to invent new ways to help advisors take their seat on the client’s side of the table. We believe above all that consumer value is in everyone’s best interest.

ABOUT SSGA State Street Global Advisors is the investment management arm of State Street Corporation.

With approximately $2.38 trillion in assets under management and 27 offices worldwide, it is one of the largest institutional asset managers in the world.4 State Street provides comprehensive investment management across all major asset classes. Its extensive portfolio management and investment research expertise allows it to provide cost-effective, risk-controlled investment services for sophisticated investors.