Accumulation Period: The period during which you invest money in your Contract. |
Accumulation Unit: A measurement We use to calculate the value of the variable portion of your Contract during the Accumulation Period. |
Advisor Fee: Any fee charged by any Investment Advisor or financial professional you hire and processed as such by the Company as a withdrawal from the Contract Value. |
Annuitant(s): The natural person(s) on whose life (lives) We base Annuity Payments. On or after the Annuity Date, the Annuitant shall also include any joint Annuitant. In the event of joint Annuitants, the life of the primary Annuitant is used to determine Annuity Payments. If the Contract is owned by a non-natural Owner and joint Annuitants are named, the Death Benefit Amount will be calculated upon the death of the first Annuitant to die. |
Annuity Date: The date on which Annuity Payments are to begin, as selected by you, or as required by the Contract or by state or federal law. If a prior date is not selected by you, the Annuity Date is the Maximum Maturity Date. For joint Annuitants all provisions are based on the age of the primary Annuitant. |
Annuity Options: Income plans which can be elected to provide periodic Annuity Payments beginning on the Annuity Date. |
Annuity Payments: Periodic income payments provided under the terms of one of the Annuity Options. |
Annuity Period: The period during which We make income payments to you. |
Beneficiary: The person(s) or entities, designated to receive any benefits under the Contract if you or, in the case of a non-natural Owner, the Annuitant dies. |
Business Day: Generally, any day on which the New York Stock Exchange is open for trading. Our Business Day ends at the closing of regular trading on the New York Stock Exchange. Some of the Investment Options may impose earlier deadlines for trading. These deadlines are described in further detail under the heading "Transfers." |
Code: The Internal Revenue Code of 1986, as amended. |
Company: Jefferson National Life Insurance Company of New York, also referred to as Jefferson National, We, Us, and Our. |
Contract: The Monument Advisor® NY individual variable annuity contract, which provides variable investment options offered by the Company. |
Contract Anniversary: The anniversary of the Business Day you purchased the Contract. |
Contract Value: Your Contract Value is the sum of amounts held under your Contract in the various Sub-accounts of the Separate Account. |
Death Benefit Amount: The Death Benefit Amount is the amount payable to the Beneficiary upon the death of the Owner, or for a Contract owned by a non-natural person, the death of the Annuitant. |
Due Proof of Death: When the Company receives both a death certificate and some other form of notice satisfactory to us, and your election in a form satisfactory to us for the payment method. |
FINRA: Financial Industry Regulatory Authority, Inc. |
Free Look Period: If you change your mind about owning the Contract, the Free Look Period is the period of time within which you may cancel your Contract. This period of time is 10 days from receipt, or 60 days if it is a Replacement Contract. |
Insurance Charges: The Insurance Charges compensate Us for assuming certain insurance risks. The only Insurance Charge under the Contract is the Subscription Fee. |
Investment Advisor: A registered investment adviser, an investment adviser who is exempt from registration with the Securities and Exchange Commission or other adviser selected by you to provide you investment advisory services. |
Investment Allocations of Record: The Investment Allocations of Record specify what percentage of each Purchase Payment is directed to the Sub-accounts you select. |
Investment Options: The investment choices available to Owners. These choices include the Sub-accounts of the Separate Account. |
Investment Portfolio(s): The variable Investment Options available under the Contract. Each Sub-account has its own investment objective and is invested in the underlying Investment Portfolio. |
Jefferson National Service Center: The customer service department of the Company (P.O. Box 36840, Louisville, KY 40233. Phone number: 1-866-667-0561). |
Joint Owner: The individual who co-owns the Contract with another person. |
Low Cost Fund Platform Fee: Fee imposed by the Company on Contract Value invested in certain Sub-accounts that invest in low cost Investment Portfolios. This fee is assessed daily as part of the daily Accumulation Unit value calculation. See Low Cost Fund Platform Fee for further details, including a list of the Sub-accounts for which the Company currently imposes the fee. |
Maximum Maturity Date: The date on which the primary Annuitant attains age 100. For joint Annuitants, all provisions which are based on age are based on the age of the primary Annuitant. |
Net Contract Value: An amount equal to the Contract Value reduced by the applicable portion of the Subscription Fee. |
Non-Natural Owner: The trust or entity (e.g. CRT, Family Trust, Corporation, Other) that will own the Contract. |
Non-Qualified Contract: A Contract purchased with after-tax dollars. These Contracts are not issued in conjunction with a pension plan, specially sponsored program or individual retirement account ("IRA"). |
Owner: You, the purchaser of the Contract, are the Owner. |
Purchase Payment: The money you give Us to buy the Contract, as well as any additional money you give Us to invest in the Contract after you own it. |
Qualified Contract: A Contract purchased with pretax dollars. These Contracts are generally purchased under a pension plan, specially sponsored program, or IRA. |
Replacement Contract: A Contract purchased with the proceeds from another contract (a contract issued by the Company and/or another insurance company). |
Secure Online Account: Your Secure Online Account is a password protected electronic account through which you can access personal documents relating to your Contract, such as transaction confirmations, periodic account statements and other personal correspondence. You create your Secure Online Account by going to our Website after you purchase the Contract and we maintain it for you on our Website thereafter. |
Separate Account: Jefferson National Life of New York Annuity Account 1, which invests in the Investment Portfolios. |
Sub-account: A segment within the Separate Account which invests in a single Investment Portfolio. |
Subscription Fee: $20 per month fee charged by Us to issue and administer the Contract. |
Tax Deferral: Benefit provided by an annuity under which earnings and appreciation on the Purchase Payments in your Contract are not taxed until you take them out of the Contract either in the form of a withdrawal, income payments or the payment of a death benefit. |
Website: https://www.nationwideadvisory.com, which is the website of Jefferson National Life Insurance Company of New York. You may obtain information about your Contract and request certain transactions through the Website. |
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FEES AND EXPENSES (see Fee Table and Expenses) |
Charges for Early Withdrawals |
None |
Transaction Charges |
We currently do not but reserve the right to assess a Transfer Fee in the event of excessive transfers (see Transfer Fee). |
Ongoing Fees and Expenses (annual charges) |
The table below describes the fees and expenses that you may pay each year, depending on the options chosen. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets you own; if those charges were reflected, the fees and expenses would be higher. | ||
Annual Fee |
Minimum |
Maximum | |
Base Contract |
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Investment Portfolios (underlying mutual fund fees and expenses) |
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1 2 | |||
Because each contract is customizable, the options elected affect how much each Contract Owner will pay. To help you understand the cost of owning the contract, the following table shows the lowest and highest cost a Contract Owner could pay each year, based on current charges. | |||
Lowest Annual Cost Estimate: $ |
Highest Annual Cost Estimate: $ | ||
Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive underlying mutual fund fees and expenses • No additional purchase payments, transfers or withdrawals • No investment advisory fees |
Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive underlying mutual fund fees and expenses • No additional purchase payments, transfers or withdrawals • No investment advisory fees |
RISKS | |
Risk of Loss |
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Not a Short-Term Investment |
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Risks Associated with Investment Options |
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Insurance Company Risks |
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RESTRICTIONS | |
Investments |
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TAXES | |
Tax Implications |
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CONFLICTS OF INTEREST | |
Investment Professional Compensation |
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Exchanges |
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Transaction Expenses | |
Maximum Transfer Fee1 |
$ |
Annual Contract Expenses | |
Subscription Fee (assessed via monthly deductions) |
$ |
Annual Underlying Mutual Fund Expenses | ||
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Minimum |
Maximum |
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If the Contract is surrendered at the end of the applicable time period |
If the Contract is annuitized at the end of the applicable time period |
If the Contract is not surrendered | |||||||||
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1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
Maximum Annual Underlying Mutual Fund Expenses (5.20%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
Minimum Annual Underlying Mutual Fund Expenses (0.17%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
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Maximum Fee |
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Example: |
Ms. T elects to participate in the Dollar Cost Averaging Program and has transferred $25,000 to Investment Portfolio S that will serve as the source investment option for her Dollar Cost Averaging Program. She would like the Dollar Cost Averaging Program transfers to be allocated as follows: $500 to Investment Portfolio L and $1,000 to Investment Portfolio M. Each month, We will automatically transfer $1,500 from Investment Portfolio S and allocate $1,000 to Investment Portfolio M and $500 to Investment Portfolio L. |
Example: |
Mr. C elects to participate in the Rebalancing Program and has instructed his Contract Value be allocated as follows: 40% to Investment Portfolio A, 40% to Investment Portfolio B, and 20% to Investment Portfolio C. Mr. C elects to rebalance quarterly. Each quarter, We will automatically rebalance Mr. C’s Contract Value by transferring Contract Value among the three elected Investment Portfolios so that his 40%/40%/20% allocation remains intact. |
Example: |
On Wednesday we receive an additional Purchase Payment of $10,000 from you. You have told Us you want this to go to the Balanced Portfolio Investment Portfolio. When the New York Stock Exchange closes on that Wednesday, we determine that the value of an Accumulation Unit for the Balanced Portfolio Sub-account is $12.50. We then divide $10,000 by $12.50 and credit your Contract on Wednesday night with 800 Accumulation Units for the Balanced Portfolio Sub-account. |
Example: |
Ms. H elects to take systematic withdrawals equal to $5,000 on a quarterly basis. She has not directed that the withdrawals be taken from specific Investment Portfolios, so each quarter, We will withdraw $5,000 from Ms. H’s Contract proportionally from each Investment Portfolio, and will mail her a check or wire the funds to the financial institution of her choice. |
Example: |
On June 1, which is before her Annuity Date, Ms. P passes away. She has elected the standard death benefit. On the date of Ms. P’s death, her Contract Value = $24,000. The death benefit for Ms. P’s contract will equal $24,000. |
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Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is no longer available to receive transfers or new purchase payments effective May 1, 2018 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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(formerly, AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Sustainable Global Thematic Growth Portfolio: Class B) Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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(formerly, Delaware VIP Trust - Delaware VIP Small Cap Value Series: Service Class) Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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- |
- |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is no longer available to receive transfers or new premium payments effective August 19, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Insurance Portfolios - Delaware Ivy Asset Strategy: Class II) Investment Advisor: Subadvisor: |
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Insurance Portfolios - Delaware Ivy Balanced: Class II) Investment Advisor: Subadvisor: |
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Insurance Portfolios - Delaware Ivy Corporate Bond: Class II) Investment Advisor: Subadvisor: |
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Portfolios - Delaware Ivy Energy: Class II) Investment Advisor: Subadvisor: |
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- |
Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Insurance Portfolios - Delaware Ivy High Income: Class II) Investment Advisor: Subadvisor: |
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Variable Insurance Portfolios - Delaware Ivy Limited-Term Bond: Class II) Investment Advisor: Subadvisor: |
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Insurance Portfolios - Delaware Ivy Mid Cap Growth: Class II) Investment Advisor: Subadvisor: |
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Variable Insurance Portfolios - Delaware Ivy Natural Resources: Class II) Investment Advisor: Subadvisor: |
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- |
Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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(formerly, Ivy Variable Insurance Portfolios - Delaware Ivy Science and Technology: Class II) Investment Advisor: Subadvisor: |
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Portfolios - Delaware Ivy Value: Class II) Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Mason Partners Variable Equity Trust - ClearBridge Variable Aggressive Growth Portfolio: Class I) This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: Subadvisor: |
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- |
- |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is no longer available to receive transfers or new purchase payments effective June 12, 2020 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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- |
- |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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- |
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- |
Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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- |
- |
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Investment Advisor: |
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- |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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Investment Advisor: |
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This Sub-Account is no longer available to receive transfers or new purchase payments effective July 3, 2019 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
- |
- |
Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: Subadvisor: |
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This Sub-Account is not available as an investment option for new Contracts issued on or after May 1, 2019 Investment Advisor: |
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This Portfolio is only available in policies issued before May 1, 2023 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
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Accumulation Period: The period during which you invest money in your Contract. |
Accumulation Unit: A measurement We use to calculate the value of the variable portion of your Contract during the Accumulation Period. |
Advisor Fee: Any fee charged by any Investment Advisor or financial professional you hire and processed as such by the Company as a withdrawal from the Contract Value. |
Annuitant(s): The natural person(s) on whose life (lives) We base Annuity Payments. On or after the Annuity Date, the Annuitant shall also include any joint Annuitant. In the event of joint Annuitants, the life of the primary Annuitant is used to determine Annuity Payments. If the Contract is owned by a non-natural Owner and joint Annuitants are named, the Death Benefit Amount will be calculated upon the death of the first Annuitant to die. |
Annuity Date: The date on which Annuity Payments are to begin, as selected by you, or as required by the Contract or by state or federal law. If a prior date is not selected by you, the Annuity Date is the Maximum Maturity Date. For joint Annuitants all provisions are based on the age of the primary Annuitant. |
Annuity Options: Income plans which can be elected to provide periodic Annuity Payments beginning on the Annuity Date. |
Annuity Payments: Periodic income payments provided under the terms of one of the Annuity Options. |
Annuity Period: The period during which We make income payments to you. |
Beneficiary: The person(s) or entities, designated to receive any benefits under the Contract if you or, in the case of a non-natural Owner, the Annuitant dies. |
Business Day: Generally, any day on which the New York Stock Exchange is open for trading. Our Business Day ends at the closing of regular trading on the New York Stock Exchange. Some of the Investment Options may impose earlier deadlines for trading. These deadlines are described in further detail under the heading "Transfers." |
Code: The Internal Revenue Code of 1986, as amended. |
Company: Jefferson National Life Insurance Company of New York, also referred to as Jefferson National, We, Us, and Our. |
Contract: The Monument Advisor SelectSM NY individual variable annuity contract, which provides variable investment options offered by the Company. |
Contract Anniversary: The anniversary of the Business Day you purchased the Contract. |
Contract Value: Your Contract Value is the sum of amounts held under your Contract in the various Sub-accounts of the Separate Account. |
Death Benefit Amount: The Death Benefit Amount is the amount payable to the Beneficiary upon the death of the Owner, or for a Contract owned by a non-natural person, the death of the Annuitant. |
Due Proof of Death: When the Company receives both a death certificate and some other form of notice satisfactory to us, and your election in a form satisfactory to us for the payment method. |
FINRA: Financial Industry Regulatory Authority, Inc. |
Free Look Period: If you change your mind about owning the Contract, the Free Look Period is the period of time within which you may cancel your Contract. This period of time is 10 days from receipt, or 60 days if it is a Replacement Contract. |
Insurance Charges: The Insurance Charges compensate Us for assuming certain insurance risks. The only Insurance Charge under the Contract is the Subscription Fee. |
Investment Advisor: A registered investment adviser, an investment adviser who is exempt from registration with the Securities and Exchange Commission or other adviser selected by you to provide you investment advisory services. |
Investment Allocations of Record: The Investment Allocations of Record specify what percentage of each Purchase Payment is directed to the Sub-accounts you select. |
Investment Options: The investment choices available to Owners. These choices include the Sub-accounts of the Separate Account. |
Investment Portfolio(s): The variable Investment Options available under the Contract. Each Sub-account has its own investment objective and is invested in the underlying Investment Portfolio. |
Jefferson National Service Center: The customer service department of the Company (P.O. Box 36840, Louisville, KY 40233. Phone number: 1-866-667-0561). |
Joint Owner: The individual who co-owns the Contract with another person. |
Low Cost Fund Platform Fee: Fee imposed by the Company on Contract Value invested in certain Sub-accounts that invest in low cost Investment Portfolios. This fee is assessed daily as part of the daily Accumulation Unit value calculation. See Low Cost Fund Platform Fee for further details, including a list of the Sub-accounts for which the Company currently imposes the fee. |
Maximum Maturity Date: The date on which the primary Annuitant attains age 100. For joint Annuitants, all provisions which are based on age are based on the age of the primary Annuitant. |
Net Contract Value: An amount equal to the Contract Value reduced by the applicable portion of the Subscription Fee. |
Non-Natural Owner: The trust or entity (e.g. CRT, Family Trust, Corporation, Other) that will own the Contract. |
Non-Qualified Contract: A Contract purchased with after-tax dollars. These Contracts are not issued in conjunction with a pension plan, specially sponsored program or individual retirement account ("IRA"). |
Owner: You, the purchaser of the Contract, are the Owner. |
Purchase Payment: The money you give Us to buy the Contract, as well as any additional money you give Us to invest in the Contract after you own it. |
Qualified Contract: A Contract purchased with pretax dollars. These Contracts are generally purchased under a pension plan, specially sponsored program, or IRA. |
Replacement Contract: A Contract purchased with the proceeds from another contract (a contract issued by the Company and/or another insurance company). |
Secure Online Account: Your Secure Online Account is a password protected electronic account through which you can access personal documents relating to your Contract, such as transaction confirmations, periodic account statements and other personal correspondence. You create your Secure Online Account by going to our Website after you purchase the Contract and we maintain it for you on our Website thereafter. |
Separate Account: Jefferson National Life of New York Annuity Account 1, which invests in the Investment Portfolios. |
Sub-account: A segment within the Separate Account which invests in a single Investment Portfolio. |
Subscription Fee: $20 per month fee charged by Us to issue and administer the Contract. |
Tax Deferral: Benefit provided by an annuity under which earnings and appreciation on the Purchase Payments in your Contract are not taxed until you take them out of the Contract either in the form of a withdrawal, income payments or the payment of a death benefit. |
Website: https://www.nationwideadvisory.com, which is the website of Jefferson National Life Insurance Company of New York. You may obtain information about your Contract and request certain transactions through the Website. |
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FEES AND EXPENSES (see Fee Table and Expenses) |
Charges for Early Withdrawals |
None |
Transaction Charges |
We currently do not but reserve the right to assess a Transfer Fee in the event of excessive transfers (see Transfer Fee). |
Ongoing Fees and Expenses (annual charges) |
The table below describes the fees and expenses that you may pay each year, depending on the options chosen. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets you own; if those charges were reflected, the fees and expenses would be higher. | ||
Annual Fee |
Minimum |
Maximum | |
Base Contract |
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Investment Portfolios (underlying mutual fund fees and expenses) |
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1 2 | |||
Because each contract is customizable, the options elected affect how much each Contract Owner will pay. To help you understand the cost of owning the contract, the following table shows the lowest and highest cost a Contract Owner could pay each year, based on current charges. | |||
Lowest Annual Cost Estimate: $ |
Highest Annual Cost Estimate: $ | ||
Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive underlying mutual fund fees and expenses • No additional purchase payments, transfers or withdrawals • No investment advisory fees |
Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive underlying mutual fund fees and expenses • No additional purchase payments, transfers or withdrawals • No investment advisory fees |
RISKS | |
Risk of Loss |
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Not a Short-Term Investment |
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Risks Associated with Investment Options |
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Insurance Company Risks |
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RESTRICTIONS | |
Investments |
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TAXES | |
Tax Implications |
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CONFLICTS OF INTEREST | |
Investment Professional Compensation |
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Exchanges |
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Transaction Expenses | |
Maximum Transfer Fee1 |
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Annual Contract Expenses | |
Subscription Fee (assessed via monthly deductions) |
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Annual Underlying Mutual Fund Expenses | ||
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Maximum |
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If the Contract is surrendered at the end of the applicable time period |
If the Contract is annuitized at the end of the applicable time period |
If the Contract is not surrendered | |||||||||
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1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
Maximum Annual Underlying Mutual Fund Expenses (4.26%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
Minimum Annual Underlying Mutual Fund Expenses (0.17%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
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Maximum Fee |
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Example: |
Ms. T elects to participate in the Dollar Cost Averaging Program and has transferred $25,000 to Investment Portfolio S that will serve as the source investment option for her Dollar Cost Averaging Program. She would like the Dollar Cost Averaging Program transfers to be allocated as follows: $500 to Investment Portfolio L and $1,000 to Investment Portfolio M. Each month, We will automatically transfer $1,500 from Investment Portfolio S and allocate $1,000 to Investment Portfolio M and $500 to Investment Portfolio L. |
Example: |
Mr. C elects to participate in the Rebalancing Program and has instructed his Contract Value be allocated as follows: 40% to Investment Portfolio A, 40% to Investment Portfolio B, and 20% to Investment Portfolio C. Mr. C elects to rebalance quarterly. Each quarter, We will automatically rebalance Mr. C’s Contract Value by transferring Contract Value among the three elected Investment Portfolios so that his 40%/40%/20% allocation remains intact. |
Example: |
On Wednesday we receive an additional Purchase Payment of $10,000 from you. You have told Us you want this to go to the Balanced Portfolio Investment Portfolio. When the New York Stock Exchange closes on that Wednesday, we determine that the value of an Accumulation Unit for the Balanced Portfolio Sub-account is $12.50. We then divide $10,000 by $12.50 and credit your Contract on Wednesday night with 800 Accumulation Units for the Balanced Portfolio Sub-account. |
Example: |
Ms. H elects to take systematic withdrawals equal to $5,000 on a quarterly basis. She has not directed that the withdrawals be taken from specific Investment Portfolios, so each quarter, We will withdraw $5,000 from Ms. H’s Contract proportionally from each Investment Portfolio, and will mail her a check or wire the funds to the financial institution of her choice. |
Example: |
On June 1, which is before her Annuity Date, Ms. P passes away. She has elected the standard death benefit. On the date of Ms. P’s death, her Contract Value = $24,000. The death benefit for Ms. P’s contract will equal $24,000. |
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Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
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(formerly, AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Sustainable Global Thematic Growth Portfolio: Class B) Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: Subadvisor: |
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Type |
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Current Expenses |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Type |
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Current Expenses |
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Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Type |
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Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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(formerly, Delaware VIP Trust - Delaware VIP Small Cap Value Series: Service Class) Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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- |
- |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is no longer available to receive transfers or new premium payments effective August 19, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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Insurance Portfolios - Delaware Ivy Asset Strategy: Class II) Investment Advisor: Subadvisor: |
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Portfolios - Delaware Ivy Balanced: Class II) Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Insurance Portfolios - Delaware Ivy Corporate Bond: Class II) Investment Advisor: Subadvisor: |
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Portfolios - Delaware Ivy Energy: Class II) Investment Advisor: Subadvisor: |
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- |
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Insurance Portfolios - Delaware Ivy High Income: Class II) Investment Advisor: Subadvisor: |
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Variable Insurance Portfolios - Delaware Ivy Limited-Term Bond: Class II) Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Insurance Portfolios - Delaware Ivy Mid Cap Growth: Class II) Investment Advisor: Subadvisor: |
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Insurance Portfolios - Delaware Ivy Natural Resources: Class II) Investment Advisor: Subadvisor: |
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- |
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Variable Insurance Portfolios - Delaware Ivy Science and Technology: Class II) Investment Advisor: Subadvisor: |
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Portfolios - Delaware Ivy Value: Class II) Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2021 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Partners Variable Equity Trust - ClearBridge Variable Aggressive Growth Portfolio: Class I) This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
|
This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before April 26, 2024 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: Subadvisor: |
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- |
- |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
|
Investment Advisor: Subadvisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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- |
- |
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This Sub-Account is only available in contracts issued before May 1, 2023 Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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- |
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- |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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- |
- |
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Investment Advisor: |
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- |
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This Sub-Account is only available in contracts issued before May 1, 2024 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/ Sub-Adviser |
Current Expenses |
Low Cost Fund Platform Fee1 |
Current Expenses + Low Cost Fund Platform Fee |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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This Sub-Account is only available in contracts issued before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Page |
2 | |
2 | |
6 | |
6 | |
7 | |
7 | |
7 | |
8 |
President and Director |
Henderson, Eric S. |
Senior Vice President-Corporate Controller and chief Accounting Officer |
Benson, James D. |
Senior Vice President-Chief Financial Officer - Nationwide Financial and Director |
Ginnan, Steven A. |
Senior Vice President-Annuity Distribution |
Guymon, Rona |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Head of Taxation |
Biesecker, Pamela A. |
Vice President and Assistant Treasurer |
Dwyer, Timothy J. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Annuities Marketing |
Lucas, AuBree H. |
Vice President and Assistant Treasurer |
Sutch, Anthony Laurence |
Associate Vice President-NF Compliance |
Deleget, Jerrold B. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President-Annuity Distribution - Alternative |
Raible, Ann M. (1) |
Associate Vice President and Treasurer and Director |
Reese, John A. |
Associate Vice President-New Business & Advisory – Annuity |
Van Cleave, John |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Dokko, David H. |
Assistant Secretary |
Hartman, Mark E. |
Director |
Carter, John L. |
Director |
Lopes, John S. |
Director |
Weber, Kaitlin |
Director |
Fuller-Napier, Stormi |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Financial Services, Inc. |
Delaware |
The company acts primarily as a holding company for companies within the Nationwide organization that offer or distribute life insurance, long-term savings and retirement products. |
NFS Distributors, Inc. |
Delaware |
The company acts primarily as a holding company for Nationwide Financial Services, Inc. companies. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Financial General Agency, Inc. |
Pennsylvania |
The company is a multi-state licensed insurance agency. |
Nationwide Fund Distributors, LLC |
Delaware |
The company is a limited purpose broker-dealer. |
Nationwide Fund Management, LLC |
Delaware |
The company provides administration, transfer and dividend disbursing agent services to various mutual fund entities. |
Nationwide Retirement Solutions, Inc. |
Delaware |
The company markets and administers deferred compensation plans for public employees. |
Nationwide Securities, LLC |
Delaware |
The company is a general purpose broker-dealer and investment adviser registered with the Securities and Exchange Commission. |
Nationwide Trust Company, FSB |
Federal |
This is a federal savings bank chartered by the Office of Thrift Supervision in the United States Department of Treasury to exercise deposit, lending, agency, custody and fiduciary powers and to engage in activities permissible for federal savings banks under the Home Owners’ Loan Act of 1933. |
Nationwide Financial Services Capital Trust |
Delaware |
The trust’s sole purpose is to issue and sell certain securities representing individual beneficial interests in the assets of the trust |
525 Cleveland Avenue, LLC |
Ohio |
This is a limited liability company organized under the laws of the State of Ohio. The company was formed to provide remedial real property cleanup prior to sale. |
Nationwide Life Insurance Company 2 |
Ohio |
The corporation provides individual life insurance, group and health insurance, fixed and variable annuity products and other life insurance products. |
Jefferson National Life Insurance Company2,3 |
Texas |
The company provides life, health and annuity products. |
Jefferson National Life Annuity Company C2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account E2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account F2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account G2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Insurance Company of New York2,3 |
New York |
The company provides variable annuity products. |
Jefferson National Life of New York Annuity Account 12,3 |
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A separate account issuing variable annuity products. |
MFS Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Multi-Flex Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-II2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-32,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-42,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-52,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-62,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-72,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-82,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-92,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-102,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-112,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-122,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-132,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-142,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-152,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable annuity contracts. |
Nationwide VLI Separate Account2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-22,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide VLI Separate Account-32,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-42,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-52,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-62,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-72,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable life insurance policies. |
Nationwide Investment Services Corporation3 |
Oklahoma |
This is a limited purpose broker-dealer and distributor of variable annuities and variable life products for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. The company also provides educational services to retirement plan sponsors and its participants. |
Nationwide Financial Assignment Company3 |
Ohio |
The company is an administrator of structured settlements. |
Nationwide Investment Advisors, LLC3 |
Ohio |
The company provides investment advisory services. |
Eagle Captive Reinsurance, LLC3 |
Ohio |
The company is engaged in the business of insurance |
Nationwide Life and Annuity Insurance Company2,3 |
Ohio |
The company engages in underwriting life insurance and granting, purchasing and disposing of annuities. |
Nationwide VA Separate Account-A2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-B2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-C2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-D2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account A2,3 |
Delaware |
A separate account issuing variable annuity contracts. |
Nationwide VL Separate Account-C2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-D2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-G2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account A2,3 |
Delaware |
A separate account issuing variable life insurance policies. |
Olentangy Reinsurance, LLC3 |
Vermont |
The company is a captive life reinsurance company. |
Nationwide SBL, LLC |
Ohio |
The company is a lender offering securities-back lines of credit. |
Registered Investment Advisors Services, Inc. |
Texas |
The company is a technology company that facilitates third-party money management services for registered investment advisors |
Nationwide Fund Advisors4 |
Delaware |
The trust acts as a registered investment advisor. |
Jefferson National Life Annuity Account C |
Nationwide Variable Account-14 |
Jefferson National Life Annuity Account E |
Nationwide Variable Account-15 |
Jefferson National Life Annuity Account F |
Nationwide VA Separate Account-A |
Jefferson National Life Annuity Account G |
Nationwide VA Separate Account-B |
Jefferson National Life of New York Annuity Account 1 |
Nationwide VA Separate Account-C |
MFS Variable Account |
Nationwide VA Separate Account-D |
Multi-Flex Variable Account |
Nationwide VLI Separate Account |
Nationwide Variable Account |
Nationwide VLI Separate Account-2 |
Nationwide Variable Account-II |
Nationwide VLI Separate Account-3 |
Nationwide Variable Account-3 |
Nationwide VLI Separate Account-4 |
Nationwide Variable Account-4 |
Nationwide VLI Separate Account-5 |
Nationwide Variable Account-5 |
Nationwide VLI Separate Account-6 |
Nationwide Variable Account-6 |
Nationwide VLI Separate Account-7 |
Nationwide Variable Account-7 |
Nationwide VL Separate Account-C |
Nationwide Variable Account-8 |
Nationwide VL Separate Account-D |
Nationwide Variable Account-9 |
Nationwide VL Separate Account-G |
Nationwide Variable Account-10 |
Nationwide Provident VA Separate Account 1 |
Nationwide Variable Account-11 |
Nationwide Provident VA Separate Account A |
Nationwide Variable Account-12 |
Nationwide Provident VLI Separate Account 1 |
Nationwide Variable Account-13 |
Nationwide Provident VLI Separate Account A |
President and Director |
Ambrozy, Tina S. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Tax |
Eppley, Daniel P. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Chief Compliance Officer |
Rabenstine, James J. |
Vice President-CFO – Life Insurance |
Wild, Keith D. |
Associate Vice President and Treasurer |
Roswell, Ewan T. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President and Assistant Treasurer |
Reese, John A. |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Bowman, Heidi |
Assistant Secretary |
Dokko, David |
Assistant Secretary |
Hartman, Mark E. |
Director |
Henderson, Eric S. |
Director |
Stevenson, Eric |
Name of Principal Underwriter |
Net Underwriting Discounts |
Compensation on Redemption |
Brokerage Commissions |
Other Compensation |
Nationwide Investment Services Corporation |
N/A |
N/A |
N/A |
N/A |
Jefferson National Life of New York Annuity Account 1 |
(Registrant) |
Jefferson National Life Insurance Company of New York |
(Depositor) |
By: /s/ Jamie Ruff Casto |
Jamie Ruff Casto Attorney-in-Fact |
JOHN L. CARTER |
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John L. Carter, Director and Chairman of the Board (Principal Executive Officer) |
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STEVEN A. GINNAN |
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Steven A. Ginnan, Senior Vice President-Chief Financial Officer-Nationwide Financial and Director (Chief Financial Officer) |
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ERIC S. HENDERSON |
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Eric S. Henderson, President and Director |
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JOHN A. REESE |
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John A. Reese, Associate Vice President and Treasurer and Director |
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STORMI FULLER-NAPIER |
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Stormi Fuller-Napier, Vice President-Annuity & Life Operations and Director |
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KAITLIN WEBER |
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Kaitlin Weber, Director |
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JOHN S. LOPES |
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John S. Lopes, Director |
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