JourneyMark 5
Integrity Life Insurance Company
5%
Free W/D
50
States
JourneyMark is a fixed indexed annuity that combines market-linked growth potential with principal protection, offering flexible access to your money and customizable rider options for income, liquidity, and legacy planning.
Free Withdrawal
5%/yr
Available In
50 states
Min Premium
$10,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Citi Flexi-Beta 5 ER Index | 2-Year | -- | 222% | -- |
| Citi Flexi-Beta 5 ER Index | 5Y | -- | 202% | -- |
| Citi Flexi-Beta 5 ER Index | Annual | -- | 157% | -- |
| Goldman Sachs Mariner Index | 2-Year | -- | 202% | -- |
| Goldman Sachs Mariner Index | Annual | -- | 145% | -- |
| S&P 500 Index | Annual | -- | 44% | -- |
| Fixed Account | Daily | -- | -- | 3.95% |
Key Features
Principal Protection
0% floorYour principal is protected from market downturns; indexed interest crediting will never be less than 0%
Tax-Deferred Growth
Tax-deferredNo taxes owed on earnings until withdrawal; allows compounding to accelerate long-term growth
Contract Guarantee
87.5% nonforfeiture valueGuaranteed minimum value of 87.5% of premiums plus guaranteed interest rate throughout contract life
Free Withdrawal Access
5–10% annuallyPenalty-free annual withdrawals from account value after year one (5% base, 10% with riders)
Flexible Duration
3 timeframe optionsChoose 10-, 7-, or 5-year withdrawal charge periods to match your retirement goals
Death Benefit
Guaranteed benefitBeneficiaries receive the greater of account value plus interest or nonforfeiture value, paid outside probate
Multiple Interest Options
Diversified creditingAllocate funds across indexed options tied to market performance or a fixed-rate option for stability
Highlights
Earn interest tied to market indexes with zero downside risk—your principal is always protected
Choose from 10-, 7-, or 5-year withdrawal charge periods based on your retirement timeline
Access 5% of your account value penalty-free each year, or 10% with optional riders
Backed by an A+ rated insurance company with 130+ years of financial stability
Optional riders add guaranteed lifetime income, enhanced death benefits, and health-triggered income doubling
Surrender Schedule
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
Best For
Retirees and pre-retirees aged 45–90 seeking principal protection with growth potential, penalty-free liquidity, and optional guaranteed lifetime income in a tax-deferred vehicle.
Consider Alternatives If
Investors requiring immediate access to capital or those seeking direct stock market exposure without principal guarantees should avoid this product due to withdrawal charge periods.
Carrier Ratings
Free Comparison Report
Get a personalized JourneyMark 5 illustration
See year-by-year projections for your specific age, premium, and income goals.
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