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Fixed Indexed Annuity

JourneyMark 7 — Integrity

Integrity

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Free W/D

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.

Model this product

See what JourneyMark 7 would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$179,317

Gross crediting illustration at age 80 (JourneyMark 7)

Excludes the 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms). This is not a net contract value.

Broad-market strategy

Gross crediting illustration for each line; excludes the 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms).

S&P 500 Index — 50% Participation (Annual)

✦

How crediting works: the participation rate keeps a share of positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A participation strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies JourneyMark 7's published participation rate (50% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Level Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms); 1% annual Expanse Rider - Increasing Payments charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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See how JourneyMark 7 compares for your age, state, premium, and income goals alongside other Integrity fixed indexed annuity options.

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rate data

Run numbers for JourneyMark 7

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Integrity product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

4.1% lifetime payout

The seven-year-surrender member of the JourneyMark fixed indexed annuity family from Integrity Life (Western & Southern Financial Group) with an optional Expanse Rider in level- and increasing-payment variants, a multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes, and a middle-length seven-year surrender ladder.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a fixed indexed annuity with an optional lifetime-income rider and the choice between a level-payment or an increasing-payment income structure, value carrier financial-strength visibility across multiple rating agencies, and prefer a seven-year surrender window over the shorter five-year or longer ten-year siblings on this carrier.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$10,000

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

50% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Rate unavailable for this selection

Rate effective Oct 1, 2026

Annual point-to-point

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

4.5% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

Rate unavailable for this selection

Rate effective Oct 1, 2026

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

+ 10 additional crediting options (Citi Flexi-Beta, Goldman Sachs...)

Lifetime Income Riders

Income rider

Expanse Rider - Payments

RMD friendly

Lifetime payout rate4.1% lifetime payout

Annual rider fee1% annual rider fee

Interest multiplier2x interest multiplier

Income rider

Expanse Rider - Increasing Payments

RMD friendly

Lifetime payout rate3.65% lifetime payout

Annual rider fee1% annual rider fee

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

Optional Expanse Rider available in two variants on the live feed — a level-payments version and an increasing-payments version — so a buyer can pick a higher fixed starting payout or a smaller starting payout designed to step up over time.
Seven-year surrender period is the middle option in the JourneyMark family — longer than JourneyMark 5 for higher headline crediting, shorter than JourneyMark 10 if the buyer is not comfortable with a ten-year lock-up.
Multi-index growth menu pairs the S&P 500 with engineered volatility-controlled indexes from Goldman Sachs and Citi — broader allocation choice than a single-index FIA, sitting alongside a fixed-rate bucket.
Backed by Integrity Life Insurance Company, a Western & Southern Financial Group subsidiary, with carrier financial-strength views visible from multiple agencies on this page from the live feed.

What to confirm

The Expanse Rider carries a published annual fee on the live feed — review the fee against the rider's guaranteed lifetime withdrawal rate, since the fee compounds against the contract value while the rider is in force.
JourneyMark 7 is not available in New York on the live feed — buyers in New York are looking at a different filing in this carrier's catalog, not this contract.
The volatility-controlled engineered indexes on the strategy menu are not the same as a S&P 500 cap rate — participation rates on those indexes are not directly comparable to caps on plain index strategies, so a buyer comparing the accumulation menu against other FIAs needs to compare like-for-like crediting methods rather than mixing engineered-index participation rates with plain S&P 500 caps.
Surrender charges in the early years of the seven-year ladder are in the high single digits — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost in the first half of the contract.

Not ideal for

Buyers in New York (this contract excludes New York on the live feed), buyers who want a shorter five-year surrender window (JourneyMark 5 is the short-term sibling), buyers who want the ten-year surrender ladder with a premium bonus (JourneyMark 10 carries that), or buyers who want a guaranteed-rate-only MYGA without any indexed-strategy crediting.

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See how JourneyMark 7 compares for your age, state, premium, and income goals alongside other Integrity fixed indexed annuity options.

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All crediting strategies

View rate listings (21 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 185% · 1-yr

Citi Flexi-Beta 5 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

Goldman Sachs Mariner Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Par: 267% · 2-yr

Citi Flexi-Beta 5 ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Par: 242% · 2-yr

Goldman Sachs Mariner Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Par: 260% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium

Rate unavailable for this selection · 1-yr

Fixed Account

Fixed account