Integrity Life Insurance Company

Financial Ratings

A.M. Best A+Superior

About Integrity Life Insurance Company

Integrity Life Insurance Company, established in 1966 and headquartered in Cincinnati, Ohio, is a subsidiary of Western & Southern Financial Group, a mutual financial services enterprise founded in 1888. Integrity Life specializes in offering a comprehensive suite of annuity and life insurance products designed to provide long-term financial security and retirement income solutions. The company operates across the United States, excluding New York, where its affiliate, National Integrity Life Insurance Company, serves clients.

Integrity Life’s product portfolio includes fixed, variable, and indexed annuities, as well as life insurance policies tailored to meet diverse financial planning needs. Notably, the company offers Multi-Year Guaranteed Annuities (MYGAs), such as the MultiVantage series, which provide clients with guaranteed interest rates over specified periods, offering stability and predictable growth for retirement planning.

Product Lineup

Indextra

Fixed Indexed Annuity

Index-linked growth + downside protection + lifetime income

Eight Allocation Options

Guaranteed Floor0% minimum

Tax Deferral

Free ReallocationNo fees

Best for: Individuals age 0-85 seeking retirement income growth with downside protection, ...

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Indextra NY

Fixed Indexed Annuity

Index-linked growth with downside protection & lifetime income options

Eight Allocation OptionsMinimum 10% participation rate; no caps on 4 options; capped at minimum 1% on S&P 500

Downside Protection100% principal protection from market losses

Flexibility$250 minimum free withdrawal; unlimited transfers between options

Tax DeferralSignificant long-term growth advantage in non-qualified accounts

Best for: Individuals age 18-85 seeking retirement income security who want market-linked ...

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JourneyMark 10

Fixed Indexed Annuity

Flexible FIAs with income & accumulation options

Premium BonusUp to 6.5% on select products

Participation Rates145-265% on Citi Flexi-Beta indices; 67-242% on Goldman Sachs indices

Guaranteed Lifetime Withdrawal BenefitStarts after age 60; includes Income Doubler option for long-term care needs

Penalty-Free Withdrawals5-10% of account value annually depending on product and rider

Best for: Investors seeking a balance of growth potential and income flexibility, particul...

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JourneyMark 5

Fixed Indexed Annuity

Protected growth with index upside + penalty-free access

Principal Protection0% floor

Tax-Deferred GrowthTax-deferred

Contract Guarantee87.5% nonforfeiture value

Free Withdrawal Access5–10% annually

Best for: Retirees and pre-retirees aged 45–90 seeking principal protection with growth po...

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JourneyMark 7

Fixed Indexed Annuity

Fixed Indexed Annuity with Market Protection & Flexible Income

Principal Protection0% floor, no negative years

Free Withdrawal Amount5% base, 10% with riders

Withdrawal Charge Period Options5, 7, or 10 years

Guaranteed Death BenefitMinimum 87.5% of premiums + guaranteed interest

Best for: Retirees and near-retirees seeking steady accumulation with principal protection...

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MultiVantage

Annuity

Guaranteed rates + annual free withdrawals + rate protection

Guaranteed Rate Options (GRO)4-, 5-, 7-, or 10-year terms available

Interest Rate Enhancement1% bonus in year 1

Free Annual WithdrawalUp to 10% annually, noncumulative

Market Value Adjustment (MVA)Applied to withdrawals over 10%; not applied in last 30 days of term

Best for: Individuals age 0–89 seeking a conservative, guaranteed-income strategy with reg...

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New Momentum

Annuity

Flexible annuity with guaranteed rates and annual free withdrawals

Flexible Contributions$1,000 minimum per contribution ($100 via electronic transfer)

Guaranteed Rate Options (GRO)5, 6, 7, or 10-year terms available

Free Annual WithdrawalUp to 10% noncumulative per contract year

Withdrawal ChargesIntegrity: 8%-0% over 7 years; National Integrity: 7%-0% over 7 years

Best for: Individuals age 0–85 seeking tax-deferred growth with flexibility to make contri...

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SPDA Series II

Annuity

Fixed Annuity with Guarantees & Flexible Access

Contribution Range$3,000–$1,000,000

Guaranteed Minimum Interest RateRate varies by guarantee period

Guarantee Periods1, 3, 5, or 7 years

Annual Free Withdrawal10% noncumulative per year

Best for: Conservative investors and retirees seeking guaranteed, tax-deferred growth with...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

July 2, 2009

Rating Agency

Fitch

Rating

Description

Very strong

Effective

July 2, 2009

Rating Agency

Moody's

Rating

Aa3

Description

Excellent

Effective

March 27, 2009

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

September 10, 2018

Rating Analysis

Integrity Life Insurance Company maintains exceptionally strong financial strength ratings from the four leading independent credit rating agencies, underscoring its ability to meet long-term policyholder obligations. As of June 2025, the company holds an A+ (Superior) rating from A.M. Best, a widely respected authority on insurance company financials. Standard & Poor’s has assigned a rating of AA- (Very Strong), reflecting Integrity Life’s high claims-paying ability and low credit risk. Similarly, Fitch Ratings has given the company a AA (Very Strong) grade, citing its conservative asset management and resilient capital reserves. Moody’s Investors Service rated Integrity Life at Aa3 (Excellent), recognizing its sound operating performance and diversified product base. Additionally, Integrity Life holds a Comdex ranking of 96 out of 100, a composite score that places it in the top percentile of all insurers rated by multiple agencies. Collectively, these ratings signal a high degree of confidence in the company’s financial stability, prudent risk management, and long-term dependability.