JourneyMark 7
Integrity Life Insurance Company
5%
Free W/D
50
States
JourneyMark is a fixed indexed annuity that lets you grow retirement savings with earnings tied to market indexes while protecting your principal from losses. It's designed for people seeking a balance between growth potential and downside protection as they approach or enter retirement.
Free Withdrawal
5%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 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 | -- | 237% | -- |
| Citi Flexi-Beta 5 ER Index | Annual | -- | 157% | -- |
| Goldman Sachs Mariner Index | 2-Year | -- | 202% | -- |
| Goldman Sachs Mariner Index | Annual | -- | 175% | -- |
| S&P 500 Index | Annual | -- | 44% | -- |
| Fixed Account | Daily | -- | -- | 4.75% |
Key Features
Principal Protection
0% floor, no negative yearsYour account value will never earn less than 0% even if the market index declines, protecting your base investment from market downturns
Free Withdrawal Amount
5% base, 10% with ridersAfter the first index year, withdraw a percentage of your account value penalty-free each year without surrender charges or market value adjustments
Withdrawal Charge Period Options
5, 7, or 10 yearsChoose a contract duration that fits your retirement timeline—shorter periods have lower restrictions but potentially lower credited rates
Guaranteed Death Benefit
Minimum 87.5% of premiums + guaranteed interestYour beneficiaries receive at least the greater of your account value or the nonforfeiture value, bypassing probate
Tax-Deferred Growth
No taxes on earnings until withdrawalInterest compounds without annual tax liability until you make withdrawals, potentially amplifying long-term accumulation
Participation Rate
Varies by option; rates reset annuallyWith indexed interest options, you capture a percentage of market index gains—locked in immediately and never subject to future market declines
Issue Age Availability
Ages 0–90; riders vary by productAvailable to applicants from birth through age 90, with certain riders restricted to ages 45–80
Nonforfeiture Guarantee
87.5% of premium + guaranteed rateYou're guaranteed to receive no less than 87.5% of your premium (minus withdrawals) plus a guaranteed minimum interest rate throughout the contract
Highlights
Earn market-linked interest with no direct stock market risk—your principal is protected from market downturns
Choose from flexible withdrawal periods (5, 7, or 10 years) to match your retirement timeline
Optional riders provide guaranteed lifetime income, enhanced liquidity, and return-of-premium protection
Backed by Integrity Life Insurance Company with A+ rating and 96/100 Comdex ranking for financial strength
Tax-deferred growth compounds over time, potentially increasing long-term retirement savings significantly
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%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking steady accumulation with principal protection, those who want flexibility to access funds without penalties, and individuals comfortable with multi-year commitment in exchange for competitive rates and guarantees.
Consider Alternatives If
Investors who need immediate access to all funds without surrender charges, those requiring aggressive growth tied to full stock market participation, or individuals with short time horizons who may face significant withdrawal charges.
Carrier Ratings
Free Comparison Report
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See year-by-year projections for your specific age, premium, and income goals.
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