Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
7.75%
Best Cap
10%
Free W/D
New York
Only state
Product data status: June 27, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Integrity Life Insurance Company product.
Live product data
Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Best annual point-to-point cap on the S&P 500
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.
Best fit
Buyers in New York who want a fixed indexed annuity from a Western & Southern carrier, value an S&P 500 annual point-to-point growth strategy over engineered-index allocation, and are comfortable with a ten-year surrender commitment in exchange for the carrier headroom that comes with a longer lock-in window.
AM Best
A+ Superior
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
New York only
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
7.75% cap rate
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
6.5% cap rate
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
7.5% cap rate
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
6.25% cap rate
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
7.5% cap rate
1-year term · 10-year surrender · $100,000+
Rate varies by premium band.
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
6% cap rate
1-year term · 10-year surrender · $100,000+
Rate varies by premium band.
1-year term
10-year surrender
$100,000+
S&P 500
S&P 500 Index
6.5% trigger rate
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
6.3% trigger rate
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
6.3% trigger rate
1-year term · 10-year surrender · $100,000+
Rate varies by premium band.
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
4.45% declared rate
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
4.3% declared rate
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4.3% declared rate
1-year term · 10-year surrender · $100,000+
Rate varies by premium band.
1-year term
10-year surrender
$100,000+
Fixed Account
Fixed Account
4.2% declared rate
5-year term · 5-year surrender · $100,000+
Rate varies by premium band.
5-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
4% declared rate
7-year term · 7-year surrender · $100,000+
Rate varies by premium band.
7-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
3.9% declared rate
10-year term · 10-year surrender · $100,000+
Rate varies by premium band.
10-year term
10-year surrender
$100,000+
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 7.75% · 1-yr
S&P 500 Index
cap
Cap: 6.5% · 1-yr
S&P 500 Index
Cap Lock · cap
Trigger: 6.5% · 1-yr
S&P 500 Index
trigger
Fixed: 4.45% · 1-yr
Fixed Account
fixed
Fixed: 4.2% · 5-yr
Fixed Account
fixed
Trigger: 6.25% · 1-yr
S&P 500 Index
trigger
Fixed: 4.35% · 1-yr
Fixed Account
fixed
Fixed: 4.1% · 5-yr
Fixed Account
fixed
Cap: 7.5% · 1-yr
S&P 500 Index
cap
Trigger: 6.3% · 1-yr
S&P 500 Index
trigger
Cap: 6.25% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 4.3% · 1-yr
Fixed Account
fixed
Fixed: 4% · 7-yr
Fixed Account
fixed
Cap: 7.25% · 1-yr
S&P 500 Index
cap
Trigger: 6.05% · 1-yr
S&P 500 Index
trigger
Fixed: 4.2% · 1-yr
Fixed Account
fixed
Fixed: 3.9% · 7-yr
Fixed Account
fixed
Cap: 6% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 3.9% · 10-yr
Fixed Account
fixed
Cap: 5.75% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 3.8% · 10-yr
Fixed Account
fixed
Product analyst notes
Not ideal for
Buyers outside New York (the non-NY Indextra filing is the contract sold in the other 49 states plus DC), buyers who want a contractually guaranteed lifetime-income rider on this filing (the rider is not available on the NY contract), buyers who want the engineered-index allocation choices on the non-NY sibling, or buyers who want a shorter five-year surrender window.
Free Comparison Report
See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 7.75% · 1-yr
S&P 500 Index
cap
Cap: 6.5% · 1-yr
S&P 500 Index
Cap Lock · cap
Trigger: 6.5% · 1-yr
S&P 500 Index
trigger
Fixed: 4.45% · 1-yr
Fixed Account
fixed
Fixed: 4.2% · 5-yr
Fixed Account
fixed
Trigger: 6.25% · 1-yr
S&P 500 Index
trigger
Fixed: 4.35% · 1-yr
Fixed Account
fixed
Fixed: 4.1% · 5-yr
Fixed Account
fixed
Cap: 7.5% · 1-yr
S&P 500 Index
cap
Trigger: 6.3% · 1-yr
S&P 500 Index
trigger
Cap: 6.25% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 4.3% · 1-yr
Fixed Account
fixed
Fixed: 4% · 7-yr
Fixed Account
fixed
Cap: 7.25% · 1-yr
S&P 500 Index
cap
Trigger: 6.05% · 1-yr
S&P 500 Index
trigger
Fixed: 4.2% · 1-yr
Fixed Account
fixed
Fixed: 3.9% · 7-yr
Fixed Account
fixed
Cap: 6% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 3.9% · 10-yr
Fixed Account
fixed
Cap: 5.75% · 1-yr
S&P 500 Index
Cap Lock · cap
Fixed: 3.8% · 10-yr
Fixed Account
fixed
Accumulation-focused — no income rider
This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.
In a year the index falls, Indextra NY credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay Indextra NY with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, RMD waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap: 3.00%
Minimum guaranteed declared rate: 2.75%
Guaranteed minimum interest rate (fixed): 2.50%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
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, Surrender waivers
product guide
Direct link not published — request the document from the carrier.
Crediting design
Indextra NY currently shows 18 distinct indexed or fixed crediting choices across 30 current rate listings, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as integrity-indextra.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.