MultiVantage
Integrity Life Insurance Company
10%
Free W/D
50
States
MultiVantage is a single premium deferred annuity that lets you lock in a guaranteed interest rate for 4-10 years while maintaining access to your money through penalty-free withdrawals and a market value adjustment feature. It's designed for people who want safety, predictability, and flexibility in retirement savings.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Key Features
Guaranteed Rate Options (GRO)
4-, 5-, 7-, or 10-year terms availableLock in a fixed interest rate for 4, 5, 7, or 10 years; rate is guaranteed for the entire period
Interest Rate Enhancement
1% bonus in year 1Receive an extra 1% on top of your guaranteed rate in the first year only
Free Annual Withdrawal
Up to 10% annually, noncumulativeWithdraw up to 10% of your account value each year without penalties or market value adjustments
Market Value Adjustment (MVA)
Applied to withdrawals over 10%; not applied in last 30 days of termIf interest rates rise, the adjustment is minimal; if rates drop, your value increases—protecting you from rate changes
Flexible Renewal
One renewal guaranteed; additional renewals may be availableAt the end of your term, choose a new rate lock, move to a 1-year term with no withdrawal charge, or do nothing
Tax-Deferred Growth
Earnings compound dailyInterest compounds tax-free until you withdraw, accelerating account growth
Death Benefit Protection
No withdrawal charge or MVA on death benefitIf you pass away during the deferral period, your beneficiary receives the full account value without probate delays
Income Options
Lifetime income available at annuitizationConvert to lifetime guaranteed payments with a 10-year period certain when you're ready to annuitize
Withdrawal Charge Waivers
Hardship waivers available with notificationWithdraw penalty-free if facing limited life expectancy, nursing home confinement, or required minimum distributions
IRA Eligibility
Multiple plan types supportedCan be used as a Traditional, Roth, or SEP IRA, or as a rollover vehicle from 401(k), KEOGH, and other qualified plans
Highlights
Up to 10% annual penalty-free withdrawals plus a 1% first-year interest rate boost on your guaranteed rate
Choose your guarantee period (4, 5, 7, or 10 years) and lock in a fixed rate with flexibility to renew
Market value adjustment protects you if rates change—you benefit if rates drop, minimal impact if rates rise
Tax-deferred growth means your money compounds faster than taxable alternatives
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
7%
Yr 5
6%
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
Individuals age 0–89 seeking a conservative, guaranteed-income strategy with regular access to funds and protection against interest rate changes, particularly those in or near retirement or rolling over employer retirement plans.
Consider Alternatives If
Those needing immediate access to large amounts of money (beyond 10% annually) without penalties, or investors seeking market-linked growth and higher upside potential.
Carrier Ratings
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