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Low Load Insurance Services
2907 W. Bay to Bay Blvd., #102
Tampa, FL 33629

Toll Free: (877) 254-4429
Phone: (813) 902-0002
Fax: (813) 902-0007

E-mail: advisorservice@llis.com

january 9, 2008

Are you an experienced DFA Advisor
looking for additional DFA outlets?

Or are you an advisor looking for a
way to add DFA funds to your client’s
current portfolios? 

«back to press room

Low Load Insurance Services, Inc, in conjunction with Monumental Life Insurance Company, now offers the Advisor’s Edge Variable Annuity product for your clients featuring:

No Surrender Schedule¹ 

This is a no surrender charge contract and the client will not be penalized by Monumental Life for any partial withdrawals or surrenders.²

Cost Efficient³ 

The Mortality & Expense Risk Fees and Administrative Charges for the base contract is 0.55%.  Death Benefit⁴ Options include: Policy Value (0.55%), Return of Premium (0.60%), and Annual Step-Up (0.75%). Fees drop to 0.55% during the annuitization phase. $30 annual service charge (waived if premium less withdrawals or policy value equals or exceeds $50,000.)

Multiple Fund Managers

Offering 44 subaccounts to choose from with fees ranging 0.14% - 1.55% and various managers including DFA, Vanguard, Fidelity, and PIMCO.

GLWB Benefits

The Architect Rider, an optional benefit rider, is available with the contract.

Internet Account Access

Both clients and advisors are able to view account information and make allocation changes on the internet.

Download Capability

You have the capacity to download to a reporting software (Portfolio Center, Advent, etc.) through the use of an interface (DST Fanmail).

Highly Rated Issuer⁵

A.M. Best: A+ (Second of 16 categories A++ to S)
Fitch: AA+ (Second of 24 categories AAA to D)
Moody’s: Aa3 (Fourth of 21 categories Aaa to C)
Standard & Poor’s: AA (Third of 21 categories AAA to R)

1. During annuitization, if the Life with Emergency Cash Annuity Payment Option is chosen, the maximum surrender charge is 4% of the amount surrendered. An Excess Interest Adjustment may apply upon distributions from the fixed account.
2. Distributions are subject to ordinary income tax and if taken prior to age 59½ may be subject to a 10% federal income tax penalty.
3. Compared to industry average of 2.37% according to Morningstar, December 2007.
4. Death Benefits and guarantees are subject to the claims paying ability of Monumental Life Insurance Company.
5. Ratings reflect the rating agencies’ opinion of the financial strength and operating performance of the insurance company. These ratings do not apply to the safety or performance of the subaccounts. Ratings as of 10/31/08.

Investors should consider their investment objectives and risks, along with a product’s charges and expenses, carefully before investing. The contract and underlying fund prospectus contains this and other information about the variable annuity. To request a copy of the prospectus, contact Low Load at 1-877-254-4429. The prospectus includes information on charges, expenses, and other important facts. Read it carefully before investing.

Monumental Life Insurance Company, 4333 Edgewood Rd. NE, Cedar Rapids, IA 52499, provides the Advisor’s Edge Variable Annuity Policy Form No: AV1056 101 182 1203 (may vary by state). Florida Policy Form No. AV1061 101 182 1203. OR Policy Form No. AV1078 101 182 1203. Available only in states where approved. The Advisor’s Edge Variable Annuity is underwritten and distributed by Transamerica Capital, Inc.

Please contact Low Load for more information about these products or for a free policy review/analysis of your client’s existing annuity policies and access to all the no-surrender charge VA policies Low Load can offer your clients.