A.M. Best A+ rated · 8 products
Integrity Life Insurance Company Annuities — A+ Rated
Integrity Life Insurance Company is an A.M. Best A+-rated annuity carrier. The current lineup includes 8 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A+
A.M. Best
Annuity products
8
8 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 5 FIA product pages, 3 MYGA product pages
- Product families
- JourneyMark, Indextra, Indextra NY, Multivantage, New Momentum, SPDA Series II
- Product types
- FIA, MYGA
- State variants
- 2 product pages
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
Free Comparison Report
Get Integrity Life Insurance Company's current rate report
Compare Integrity Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Carrier Profile
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.
Financial Strength In Plain English
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.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Indextra
A five-year fixed indexed annuity from Integrity Life (Western & Southern Financial Group) with an optional Indextra Series GLWB rider for guaranteed lifetime income, a multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes, and a shorter-than-typical surrender window for an income-rider FIA.
Open product pageMultivantage
A multi-year guaranteed annuity from Integrity Life Insurance Company (Western & Southern Financial Group) — a multi-term rate menu on the live feed for the published lead term, an eight-year declining surrender ladder with a market-value adjustment, annual free-withdrawal allowance, and nursing-home, terminal-illness, and RMD waivers.
Open product pageIndextra NY
The New-York-only sibling filing of the Indextra chassis from Integrity Life (Western & Southern Financial Group) — an accumulation-focused fixed indexed annuity with an S&P 500 annual point-to-point cap and a fixed-rate bucket on a ten-year surrender ladder, with no optional income rider on this NY filing.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
JourneyMark
3 product pages
JourneyMark 10, JourneyMark 5, JourneyMark 7
Indextra
Indextra
At least one page in this group links to a related state-specific product page.
Indextra NY
Indextra NY
At least one page in this group links to a related state-specific product page.
MYGA Products
Multivantage
Multivantage
Open the product page for live rates, state availability, and term-specific detail.
New Momentum
New Momentum
Open the product page for live rates, state availability, and term-specific detail.
SPDA Series II
SPDA Series II
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A000BP
Indextra
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002JI
Indextra NY
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA000VY
JourneyMark 10
- Coverage
- ARHQ product page
- Current rate
- Available
A000VO
JourneyMark 5
- Coverage
- ARHQ product page
- Current rate
- Available
A000VS
JourneyMark 7
- Coverage
- ARHQ product page
- Current rate
- Available
A00019
Multivantage
- Coverage
- ARHQ product page
- Current rate
- Available
A0001A
New Momentum
- Coverage
- ARHQ product page
- Current rate
- Available
A000M5
SPDA Series II
- Coverage
- ARHQ product page
- Current rate
- Available
Free Comparison Report
Get Integrity Life Insurance Company's current rate report
Compare Integrity Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Integrity includes state-specific links on some product pages, so state availability should be checked on the product page before quoting details.
JourneyMark term pages and the Indextra NY page stay separate in the ARHQ product list.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
When a related state-specific page exists, open the product page before relying on availability, surrender, or rate details.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Integrity Life Insurance Company Product Families
Product-list pages carry the full tables, filters, and detail links.
Free Comparison Report
Get Integrity Life Insurance Company's current rate report
Compare Integrity Life Insurance Company's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.