Annuity rate data from AdvisorWorld and CANNEX carrier feeds
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5%
Free W/D
50
Available jurisdictions
Product data status: October 2, 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.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Integrity product.
Available only in Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming
rates are shown when this state is selected. This product is state-restricted, and the available data does not include rates for the selected scenario.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
Best annual point-to-point cap on the S&P 500
A current headline metric is not available for this product. Confirm current terms with the carrier.
The five-year-surrender member of the JourneyMark fixed indexed annuity family from Integrity Life (Western & Southern Financial Group) — an accumulation-focused S&P 500 cap-rate chassis with a fixed-rate bucket, a five-year declining surrender ladder, and standard NH/TI/RMD waivers from the live feed.
Best fit
Buyers who want a short-window fixed indexed annuity without an income rider, value an S&P 500 annual point-to-point cap as the headline rate, and prefer a five-year surrender commitment over the longer JourneyMark 7 or JourneyMark 10 surrender ladders on this carrier.
AM Best
A+ Superior
Surrender period
5 years
Free withdrawal
5%/yr
Availability
50 jurisdictions (excl. New York)
Minimum premium
$10,000
Caps, participation rates, and declared rates are shown separately.
Product analyst notes
Not ideal for
Buyers who want a guaranteed-lifetime-withdrawal rider on this contract (JourneyMark 7 or JourneyMark 10 are the rider-equipped members of this family), buyers in New York (the JourneyMark family excludes New York on the live feed), buyers who want a premium bonus, or buyers who want a death-benefit roll-up.
Free Comparison Report
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Published annual rate increases
These are source-published increase components. They are not standalone growth rates, caps, or participation rates, and no base rate has been added.
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
No. The current product feed publishes contract and liquidity facts for JourneyMark 5, but no current indexed or fixed crediting strategies. Historical rates are not substituted. Confirm any new rate offering directly with the carrier.
Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
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.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Published payout options from the normalized contract facts.
Availability can vary by state and product terms.
Yr 1
5%
Yr 2
4%
Yr 3
3%
Yr 4
2%
Yr 5
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
product guide
Direct link not published — request the document from the carrier.
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 Journey-Mark.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.
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