Indextra NY
Integrity Life Insurance Company
6.75%
Best Cap
10%
Free W/D
Indextra is a tax-deferred fixed indexed annuity that offers growth potential tied to market indexes with downside protection, designed for people seeking retirement income security combined with upside opportunity without direct stock market investment.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$15,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 6.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.95% |
Key Features
Eight Allocation Options
Minimum 10% participation rate; no caps on 4 options; capped at minimum 1% on S&P 500Choose from S&P 500 one-year point-to-point, three multi-asset class indexes (Goldman Sachs, J.P. Morgan) in one-, two-, or three-year terms, or a fixed interest option
Downside Protection
100% principal protection from market lossesAccount value never declines due to index performance; indexed interest rates guaranteed never below 0%
Flexibility
$250 minimum free withdrawal; unlimited transfers between optionsTransfer allocations at end of each crediting period with no charges; withdraw up to 10% of account value annually without penalty
Tax Deferral
Significant long-term growth advantage in non-qualified accountsNo taxes owed on credited interest until withdrawal or distribution
Guaranteed Minimum Account Value
7-10% minimum growth guaranteeAt end of withdrawal charge period, account value guaranteed to be at least 107% (7-year) or 110% (10-year) of initial premium
Lifetime Income Options
Income beginning anytime after year 2 (year 1 in Florida)Annuitize for guaranteed lifetime payouts or elect optional GLWB rider for guaranteed withdrawals while maintaining account value
Death Benefit
No probate; guaranteed payment to named beneficiariesBeneficiaries receive greater of account value or nonforfeiture value with no withdrawal charges
Highlights
Eight allocation options including S&P 500 index tracking and multi-asset class strategies with no participation rate caps on some options
Guaranteed minimum 0% interest rate on indexed options even if markets decline, protecting principal from loss
Flexible income choices including lifetime guaranteed payouts and optional Guaranteed Lifetime Withdrawal Benefit (GLWB) for lifetime income while maintaining growth potential
Tax-deferred growth with declining withdrawal charges (7 or 10-year options) and 10% annual penalty-free withdrawal allowance
Guaranteed Minimum Account Value (GMAV) benefit of 107-110% of premium at end of withdrawal charge period
Surrender Schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals age 18-85 seeking retirement income security who want market-linked growth potential without direct stock market risk, have at least $15,000 to invest, and prefer tax-deferred accumulation with downside protection.
Consider Alternatives If
Investors who need immediate access to funds without penalty, prefer high liquidity, or require returns exceeding what fixed indexed annuities typically provide.
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