Highest effective annual rate
4.3496%
5-yr effective annual yield · $2,000+ premium
Highest current CANNEX effective annual rate across the available 5-year, 6-year, 7-year, and 10-year step schedules.
View all rates and terms ↓10%
Free W/D
50
Available jurisdictions
Rates as of August 11, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for New Momentum
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Integrity Life Insurance Company product.
Live product data
Rates as of August 11, 2026, from AdvisorWorld and CANNEX.
Guaranteed rate for the lead term
4.35% effective annual rate over the 5-year term
Current guaranteed terms are shown from live rate records. Surrender details are omitted because an exact contract schedule is not linked in the current data.
Best fit
Buyers comparing the currently published guarantee terms who will confirm the applicable surrender schedule before purchase.
Available guarantee terms
5, 6, 7, and 10 years
AM Best
A+ Superior
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. California, Oregon, Washington, Wyoming)
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 5-Year | Not available | Aug 1, 2026 | 4.3496%Effective annual rate · full term4.95% first year · 4.2% renewal |
| 6-Year | Not available | Aug 1, 2026 | 4.0246%Effective annual rate · full term4.65% first year · 3.9% renewal |
| 7-Year | Not available | Aug 1, 2026 | 4.0568%Effective annual rate · full term4.7% first year · 3.95% renewal |
| 10-Year | Not available | Aug 1, 2026 | 4.1248%Effective annual rate · full term4.8% first year · 4.05% renewal |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
4Nursing home waiver, RMD waiver, Terminal illness waiver, Unemployment waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
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