JourneyMark 10
Integrity Life Insurance Company
5%
Free W/D
50
States
A family of fixed indexed annuities designed for both accumulation and income, offering flexible durations (5, 7, or 10 years), competitive index participation rates, and optional riders that provide guaranteed lifetime income or enhanced liquidity.
Free Withdrawal
5%/yr
Available In
50 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Citi Flexi-Beta 5 ER Index | 2-Year | -- | 252% | -- |
| Citi Flexi-Beta 5 ER Index | 5Y | -- | 190% | -- |
| Citi Flexi-Beta 5 ER Index | Annual | -- | 180% | -- |
| Goldman Sachs Pathfinder Index | 2-Year | -- | 134% | -- |
| Goldman Sachs Pathfinder Index | Annual | -- | 68% | -- |
| S&P 500 Index | Annual | -- | 41% | -- |
| Fixed Account | Daily | -- | -- | 3.7% |
Key Features
Premium Bonus
Up to 6.5% on select productsAvailable on 10-year products; vests gradually over the contract period to encourage holding
Participation Rates
145-265% on Citi Flexi-Beta indices; 67-242% on Goldman Sachs indicesYour share of index gains with no upside cap on many options
Guaranteed Lifetime Withdrawal Benefit
Starts after age 60; includes Income Doubler option for long-term care needsOptional rider providing income for life with performance-driven benefit base rolups
Penalty-Free Withdrawals
5-10% of account value annually depending on product and riderAnnual access to a portion of your account without surrender charges
Death Benefit
100% of account value or nonforfeiture value; 110% with Expanse RiderGuarantees heirs receive no less than a specified minimum value
Highlights
Choice of accumulation-focused base product or optional rider upgrades with competitive index options
Flexible premium bonus vesting schedules (up to 6.5% on 10-year products)
Multiple income rider options including guaranteed lifetime withdrawal benefits
Accepts inherited IRAs, Roth IRAs, and stretch IRA strategies
Extended rate guarantee periods eliminate renewal rate uncertainty
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8.25%
Yr 4
7.25%
Yr 5
6.25%
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
Investors seeking a balance of growth potential and income flexibility, particularly those age 60+ interested in guaranteed lifetime income or those wanting to accept inherited IRAs while maintaining tax-deferred growth.
Consider Alternatives If
Investors needing immediate access to all funds or those with high liquidity needs, as surrendering before the charge period ends incurs penalties.
Carrier Ratings
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