The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets.

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1 The industry s largest underlying fund line-up. All the choice you need to manage tax-deferred assets in today s rapidly changing markets. ISSUERS: JEFFERSON NATIONAL LIFE INSURANCE COMPANY JEFFERSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK

2 FIXED INCOME TAX-INEFFICIENT ASSET CLASS Eaton Vance Floating-Rate Income Guggenheim Floating Rate Strategy PIMCO Emerging Markets Bond Rydex Strength Dollar 2x Strategy Templeton Global Bond Securities Access High Yield American Funds High-Income Bond BlackRock High Yield Federated High Income Bond II Fidelity High Income Franklin High Income Guggenheim High Yield Invesco High Yield Ivy Funds High Income PIMCO High Yield Pioneer High Yield Power Income Putnam High Yield Rydex High Yield Strategy Vanguard Western Asset Variable Global American Century Inflation Protection PIMCO Real Return Franklin U.S. Government Invesco Government Securities Putnam American Government Income American Funds Bond Fidelity Investment Grade Bond Guggenheim U.S. Total Return Bond Ivy Funds Bond Janus Aspen Flexible Bond Nationwide Bond Index Oppenheimer Core Bond PIMCO Total Return Pioneer Bond Fund Putnam Income Vanguard Total Bond Market Index Western Asset Variable Strategic Bond Bank Loan Bank Loan Emerging Markets Bond Foreign Bond Foreign Bond Inflation-Protected Bond Inflation-Protected Bond Intermediate Government Intermediate Government Intermediate Government Intermediate-Term Bond BlackRock U.S. Government Bond Long Government (>6) PIMCO Long-Term U.S. Government Long Government (>6) ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) BlackRock Total Return American Funds Mortgage BlackRock ishares Dynamic Fixed Income V.I. Fund Fidelity Strategic Income Franklin Strategic Income Lord Abbett Bond Debenture PIMCO Unconstrained Bond Pioneer Strategic Income Putnam Diversified Income BTS Tactical Fixed Income Goldman Sachs Strategic Income Guggenheim Macro Opportunities Legg Mason BW Absolute Return Opportunities Oppenheimer Global Strategic Income Long-Term Bond Mortgage-Backed FIXED INCOME CONTINUED TAX-INEFFICIENT ASSET CLASS Ivy Funds Limited-Term Bond Neuberger Berman Short Duration Bond PIMCO Low Duration T. Rowe Price Limited-Term Bond Vanguard Short-Term Investment Grade DFA Short-Term Fixed PIMCO Short-Term American Funds Global Bond Ivy Funds Global Bond PIMCO Foreign Bond Unhedged PIMCO Foreign Bond (US Dollar Hedged) PIMCO Global Advantage Strategy Bond PIMCO Global Bond Unhedged Van Eck Unconstrained Emerging Markets Bond Ultra Short Bond Ultra Short Bond REAL ESTATE TAX-INEFFICIENT ASSET CLASS Fidelity Real Estate ProFunds Real Estate Rydex Real Estate Vanguard REIT Index Virtus Real Estate Securities Franklin Global Real Estate Invesco Global Real Estate Global Real Estate Global Real Estate ALTERNATIVES/NON-TRADITIONAL STRATEGIES TAX-INEFFICIENT ASSET CLASS Credit Suisse Commodity Return Strategy PIMCO CommodityRealReturn Strategy Rydex Commodities Strategy Fidelity Real Estate ProFunds Real Estate Rydex Real Estate Vanguard REIT Index Virtus Real Estate Securities Rydex 1.25X Strategy Rydex Strength Dollar 2x Strategy ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex Dow 2X Strategy Franklin Global Real Estate Invesco Global Real Estate Rydex Japan 2x Strategy Probabilities Fund Rydex S&P 500 2X Strategy Commodities Broad Basket Commodities Broad Basket Commodities Broad Basket Foreign Bond Global Real Estate Global Real Estate Japan Stock Japan ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) Guggenheim Long Short Equity The Merger Fund VL Guggenheim Global Managed Futures Strategy Mariner Managed Futures Strategy Ivy Funds Global Natural Resources ProFunds Basic Rydex Basic ProFunds Basic Long/Short Equity Long/Short Equity Managed Futures Managed Futures

3 ALTERNATIVES/NON-TRADITIONAL STRATEGIES CONTINUED TAX-INEFFICIENT ASSET CLASS ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy BlackRock ishares Alternatives Strategies V.I. Fund Goldman Sachs Multi-Strategy Alternatives Guggenheim Multi-Hedge Strategies NB AMT Absolute Return Multi-Manager Oppenheimer Global Multi Alternatives Redwood Managed Volatility Portfolio Virtus Multi-Sector Fixed Income ProFunds Rydex ProFunds UltraBull Rydex Nova ProFunds UltraSmall-Cap Rydex Russell X Strategy Rydex Russell X Strategy ALPS/Alerian Energy Infrastructure Tortoise MLP & Pipeline Fund Gold Bullion Strategy Van Eck Global Gold Fund ProFunds Rising Rates Opportunity Rydex Inverse Gov Long Bond Strategy ProFunds Bear ProFunds Short Emerging Markets ProFunds Short International ProFunds Short Mid-Cap ProFunds Short NASDAQ-100 ProFunds Short Small-Cap ProFunds UltraShort NASDAQ-100 Rydex Inverse Dow 2X Strategy Rydex Inverse Mid-Cap Strategy Rydex Inverse NASDAQ-100 Strategy Rydex Inverse Russell 2000 Strategy Rydex Inverse S&P 500 Strategy ProFunds Falling US Dollar Rydex Weakening Dollar 2X Strategy LEVERAGED TAX-INEFFICIENT ASSET CLASS Rydex 1.25X Strategy Rydex Strength Dollar 2X Strategy Rydex S&P 500 2X Strategy ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex Dow 2X Strategy Rydex Japan 2x Strategy Specialty Energy Specialty Energy Specialty Gold Specialty Gold Trading Inverse Debt Trading Inverse Debt Trading Miscellaneous Trading Miscellaneous Foreign Bond Giant Core Japan Stock Japan ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy ProFunds UltraBull Rydex Nova ProFunds UltraSmall-Cap Rydex Russell X Strategy Rydex Russell X Strategy MANAGED VOLATILITY/MANAGED RISK FUNDS American Funds Managed Risk Asset Allocation TOPS Managed Risk Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 2) Federated Managed Volatility II Putnam Absolute Return 500 SEI Conservative Strategy SEI Defensive Strategy TOPS Managed Risk Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 2) QS Legg Mason Dynamic Multi-Strategy AB Dynamic Asset Allocation Invesco Balanced - Risk Allocation Lazard Retirement Series Multi-Asset Targeted Volatility American Funds Managed Risk Blue Chip Income and Growth Virtus Premium AlphaSector JNF SSgA Retirement Income Portfolio (Class 1) (Class 2) Flexible Allocation Large Blend TRADING/INVERSE/EQUITY/DEBT/DOLLAR TAX-INEFFICIENT ASSET CLASS ProFunds Rising Rates Opportunity Rydex Inverse Govt Long Bond Strategy ProFunds Bear ProFunds Short Emerging Markets ProFunds Short International ProFunds Short Mid-Cap ProFunds Short NASDAQ-100 ProFunds Short Small-Cap ProFunds UltraShort NASDAQ-100 Rydex Inverse Dow 2X Strategy Rydex Inverse Mid-Cap Strategy Rydex Inverse NASDAQ-100 Strategy Rydex Inverse Russell 2000 Strategy Rydex Inverse S&P 500 Strategy ProFunds Falling US Dollar Rydex Weakening Dollar 2X Strategy SECTOR ProFunds Telecommunications Rydex Telecommunications ProFunds Consumer Services Rydex Leisure Rydex Retailing ProFunds Consumer Goods Rydex Consumer Products ProFunds Oil and Gas ProFunds Banks ProFunds Financials Rydex Banking Rydex Financial Services Invesco Global Trading Inverse Debt Trading Inverse Debt Trading Miscellaneous Trading Miscellaneous Communications Communications Consumer Cyclical Consumer Cyclical Consumer Cyclical Consumer Defensive Consumer Defensive Domestic Energy

4 SECTOR CONTINUED BENCHMARKED TO INDEX CONTINUED ProFunds Biotechnology ProFunds Japan Japan ProFunds Rydex Japan 2x Strategy Japan ProFunds Pharmaceuticals ProFunds Large-Cap Growth Growth Rydex Biotechnology ProFunds Large-Cap Value Rydex Rydex S&P 500 Pure Growth ProFunds Industrials Industrials Rydex S&P 500 2X Strategy Rydex Transportation Industrials Vanguard Total Stock Market Index Ivy Funds Global Natural Resources ProFunds Basic ProFunds Basic Rydex S&P SmallCap 600 Pure Value Micro Cap Rydex Basic Nationwide Mid Cap Index Van Eck Global Hard Assets ProFunds Mid-Cap Rydex Energy Services Natural Res Domestic Energy ProFunds UltraMid-Cap ProFunds Rydex Mid Cap 1.5X Strategy Rydex ProFunds Mid-Cap Growth Growth ALPS/Alerian Energy Infrastructure Specialty Energy Rydex S&P 500 Pure Value Gold Bullion Fund Specialty Gold Vanguard Mid-Cap Index Mid Relative Value Van Eck Global Gold Specialty Gold ProFunds Asia 30 Pacific/Asia ex Japan Columbia - Seligman Global ProFunds Invesco Dreyfus Stock Index Ivy Funds Science and Nationwide S&P 500 Index ProFunds Internet ProFunds Bull ProFunds Semiconductor ProFunds UltraBull ProFunds Rydex Nova Rydex Electronics Vanguard Equity Index Rydex Internet Dreyfus Small Cap Stock Index Rydex Nationwide Small Cap Index ProFunds Utilities Utilities ProFunds Small Cap Rydex Utilities Utilities Rydex Russell X Strategy Rydex Russell X Strategy BENCHMARKED TO INDEX ProFunds Small-Cap Growth Rydex S&P SmallCap 600 Pure Growth Growth Growth ProFunds Small-Cap Value Value ProFunds Telecommunications Communications Rydex S&P MidCap 400 Pure Value Small Deep Value ProFunds Consumer Services Consumer Cyclical ALPS/Alerian Energy Infrastructure Specialty Energy ProFunds Consumer Goods Consumer Defensive ProFunds Internet ProFunds Emerging Markets ProFunds Semiconductor ProFunds Oil and Gas Domestic Energy ProFunds ProFunds Banks ProFunds Utilities Utilities ProFunds Financials ProFunds Real Estate Vanguard REIT Index ProFunds 30 Rydex 1.25X Strategy Nationwide International Index Foreign Large Blend ProFunds International Foreign Large Blend ProFunds NASDAQ-100 ProFunds UltraNASDAQ-100 Rydex NASDAQ 100 2x Strategy Rydex NASDAQ 100 Strategy ProFunds Large-Cap Value Rydex Dow 2X Strategy ProFunds Biotechnology ProFunds ProFunds Pharmaceuticals ProFunds Industrials Industrials Nationwide Bond Index Vanguard Total Bond Market Index

5 ULTRA LOW COST ALLOCATION John Hancock Emerging Markets Ibbotson Agr Growth ETF Allocation Nationwide International Index Foreign Large Blend Ibbotson Growth ETF Allocation DFA International Value Foreign Large Value SEI Market Plus Strategy DFA International Small Foreign Small/Mid Blend TOPS Growth ETF (Class 1) Vanguard Equity Income TOPS Managed Risk Growth ETF (Class 1) Vanguard TOPS Managed Risk Growth ETF (Class 2) Nationwide Bond Index Federated Managed Volatility II Vanguard Total Bond Market Index Franklin Income DFA US Large Value Vanguard Diversified Value Vanguard Growth Vanguard Total Stock Market Index Vanguard Capital Growth Nationwide Mid Cap Index Vanguard Mid-Cap Index DFA Global Vanguard Balanced Dreyfus Stock Index Nationwide S&P 500 Index Vanguard Equity Index DFA Short-Term Fixed Vanguard Short-Term Investment Grade Nationwide Small Cap Index DFA US Targeted Value DFA Global Bond Mid Relative Value Small Deep Value Guggenheim CLS Advisorone Growth and Income Ibbotson Conservative ETF Allocation Ibbotson Income & Growth ETF Allocation JP Morgan Income Builder Putnam Absolute Return 500 SEI Defensive Strategy Timothy Plan Conservative Growth TOPS Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 2) QS Legg Mason Dynamic Multi-Strategy SEI Balanced Strategy SEI Market Growth Strategy AB Dynamic Asset Allocation BlackRock Invesco Balanced Risk Allocation Ivy Funds Asset Strategy Flexible Allocation Flexible Allocation Flexible Allocation JP Morgan ETF FUNDS Lazard Retirement Global Dynamic Multi Asset Ibbotson Agr Growth ETF Allocation Ibbotson Growth ETF Allocation TOPS Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 2) Guggenheim CLS AdvisorOne Growth & Income Ibbotson Conservative ETF Allocation Ibbotson Income & Growth ETF Allocation TOPS Balanced ETF (Class 1) TOPS Conservative ETF (Class 1) TOPS Conservative ETF (Class 2) TOPS Managed Risk Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 2) Guggenheim VT CLS Global Diversified Equity TOPS Aggressive Growth ETF (Class 1) Virtus Premium AlphaSector Ibbotson Balanced ETF Allocation (Class 1) (Class 2) TOPS Moderate Growth ETF (Class 1) PIMCO All Asset All Authority PIMCO Global Multi-Asset Managed Allocation 7Twelve Balanced Portfolio American Century Balanced American Funds Asset Allocation American Funds Managed Risk Asset Allocation Calvert SRI Balanced Changing Parameters Portfolio* DFA Global Fidelity Balanced Ibbotson Balanced ETF Allocation Invesco Equity and Income Ivy Funds Balanced Janus Aspen Balanced JNF SSgA Retirement Income Portfolio JNF SSgA Tactical Allocation SEI Moderate Strategy (Class 1) (Class 2) TOPS Moderate Growth ETF (Class 1) Vanguard Balanced Global Flexible Allocation Global Flexible Allocation

6 US EQUITY American Funds Blue Chip Income & Growth American Funds Managed Risk Blue Chip Income & Growth ClearBridge Var Large Cap Growth ProFunds NASDAQ-100 ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex NASDAQ-100 Strategy American Century Large Company Value Eaton Vance Large-Cap Value Invesco Comstock Pioneer Disciplined Value Rydex Dow 2X Strategy Vanguard Equity Income American Funds Growth-Income Dreyfus Socially Responsible Growth Fidelity Growth & Income Guggenheim CLS Global Diversified Equity Invesco Core Equity Oppenheimer Main Street Probabilities Fund TOPS Aggressive Growth ETF (Class 1) Alger Large Cap Growth American Funds Growth Guggenheim StylePlus Large Growth Janus Aspen Janus Fund ProFunds Large-Cap Growth AB Growth and Income ClearBridge Variable Dividend Strategy Fidelity Value Franklin Mutual Shares Invesco Growth and Income American Century Income & Growth American Century Value BlackRock Equity Dividend BlackRock Large Cap Value Columbia - Select Large-Cap Value DFA US Large Value Fidelity Equity-Income Invesco Diversified Dividend Ivy Funds Value Pioneer Equity Income ProFunds Large-Cap Value Putnam Equity Income Giant Core Giant Core Growth Growth Growth Growth Growth Value Value Value Value Value T. Rowe Price Equity Income Vanguard Diversified Value American Century Ultra Fidelity Growth Fidelity Growth Opportunities Janus Aspen Forty Rydex S&P 500 Pure Growth T. Rowe Price Blue Chip Growth Vanguard Growth BlackRock Large Cap Core ClearBridge All Cap Value Franklin Rising Dividends Lazard Retirement US Strategic Equity US EQUITY CONTINUED Lord Abbett Calibrated Dividend Growth Lord Abbett Growth and Income Neuberger Berman Large Cap Value Pioneer Fund Rydex S&P 500 2X Strategy Vanguard Total Stock Market Index Virtus Premium AlphaSector Alger Capital Appreciation BlackRock Large Cap Growth ClearBridge Var Aggressive Growth Fidelity Contrafund Guggenheim Long Short Equity Neuberger Berman Soc. Responsive Putnam Voyager Vanguard Capital Growth Royce Micro-Cap Rydex S&P SmallCap 600 Pure Value Alger Mid Cap Growth Federated Kaufmann II Invesco Mid Cap Core Equity Nationwide Mid Cap Index ProFunds Mid-Cap ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy Guggenheim StylePlus Mid Growth Ivy Funds Mid Cap Growth Janus Aspen Enterprise ProFunds Mid-Cap Growth Rydex S&P MidCap 400 Pure Growth Wells Fargo Adv Discovery Janus Aspen Perkins Mid Cap Value Neuberger Berman Mid Cap Intrinsic Value American Century Mid Cap Value* Pioneer Mid Cap Value ProFunds Mid-Cap Value Rydex S&P 500 Pure Value Neuberger Berman Mid-Cap Growth JNF SSgA Sector Rotation Vanguard Mid-Cap Index Fidelity Mid Cap Wells Fargo Adv Opportunity Dreyfus Stock Index Nationwide S&P 500 Index ProFunds Bull ProFunds UltraBull Rydex Nova Vanguard Equity Index Dreyfus Small Cap Stock Index Lazard Retirement US Small-Mid Cap Equity Nationwide Small Cap Index ProFunds Small Cap ProFunds UltraSmall-Cap Rydex Russell X Strategy Rydex Russell X Strategy ProFunds Small-Cap Growth Rydex S&P SmallCap 600 Pure Growth Vanguard Small Company Growth Micro Cap Micro Cap Mid-Cap Growth Mid-Cap Growth Growth Growth Growth Growth Growth Growth Value Value Mid High Growth Mid Relative Value Mid Relative Value Mid Valuation Sensitive Growth Mid Valuation Sensitive Growth Growth Growth Growth

7 US EQUITY CONTINUED Delaware Small-Cap Value ProFunds Small-Cap Value DFA US Targeted Value Rydex S&P MidCap 400 Pure Value ClearBridge Small Cap Growth Columbia Select Smaller-Cap Value Fidelity Disciplined Small Cap Value Value Small Deep Value Small Deep Value Small High Growth SOCIALLY/MORALLY RESPONSIBLE Timothy Plan Strategic Growth Timothy Plan Conservative Growth Dreyfus Socially Responsible Growth Neuberger Berman Soc. Responsive Calvert SRI Balanced MONEY MARKET Guggenheim Small Cap Value Royce Small-Cap ProFunds Money Market Money Market Tax-Free Wells Fargo Adv Small Cap Value Invesco Money Market Money Market Taxable AB Small/Mid Cap Value SMID Value INTERNATIONAL EQUITY American Funds IS New World 4 Lazard Retirement Emerg. Mkts Equity Pioneer Emerging Markets ProFunds Emerging Markets Van Eck Emerging Markets ProFunds 30 Rydex 1.25X Strategy American Funds International Virtus International Fidelity Overseas Guggenheim World Equity Income Janus Aspen Overseas Lazard Retirement Int l Equity Nationwide International Index ProFunds International Vanguard International AB International Growth American Century International Fidelity Intl Capital Appreciation Invesco International Growth Oppenheimer International Growth AB International Value DFA International Value Dreyfus International Value Lord Abbett International Opportunities DFA International Small First Eagle Overseas Var Fund ProFunds Japan Rydex Japan 2x Strategy ProFunds Asia 30 Janus Aspen Global/Research Oppenheimer Global AB Global Thematic Growth Third Avenue Value ALPS Red Rocks Listed Private Equity Foreign Giant Foreign Giant Foreign Foreign Foreign Foreign Foreign Foreign Foreign Foreign Large Value Foreign Large Value Foreign Large Value Foreign Small/ Foreign Small/Mid Value Foreign Small/Mid Value Japan Japan Pacific/Asia ex-japan World World World Large Growth World Large Value World Stock LEGEND Fixed Income Real Estate, Alternatives, Leveraged Trading Inverse Equity Debt Dollar Protected/ Managed Volatility/Managed Risk Funds Sector Index Funds, Ultra Low Cost, ETF Funds Allocation, Target Funds US Equity, International Equity Socially/Morally Responsible Money Market

8 Monument Advisor: Your tax-deferred investing solution. Flat fee - $20/mo 1 No M&E No Surrender Charges Nearly 380 underlying funds Monument Advisor delivers what RIAs and fee-based advisors crave: simple, proven tax deferral for assets that generate ordinary income or short-term capital gains like bonds, Alts and REITs. Monument Advisor also aligns seamlessly with your investment goals, strategies and investment style. What s more, you could benefit from potentially increased asset accumulation and compounding interest due to the power of tax deferral. Create your own or investment strategies. You can use our powerful, proprietary technology platform and robust fund selection to create models for your clients. Manage clients in groups rather than individually. Integrate into your existing portfolio technology. Set up automatic fee withdrawals. 2 Trade easily and efficiently, with free unlimited trades Use a Third Party Investment Advisor If you have a TPIA you currently work with, our technology platform will merge with theirs. It supports the need for multiple managers (from access to account management to automated fee withdrawal.) Learn more about Monument Advisor: , Option 1. Or visit jeffnat.com. *Not available in New York. 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. Certain low-cost funds may only be available to you if you retain certain investment advisors. 2 The IRS may charge a 10% tax penalty on any withdrawal made before age 59½. 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. 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 , JNL , JNL , JNL NY. JNL C Ormsby Park Place Louisville, Kentucky