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Withdrawals exceeding the 10% annual free-withdrawal limit, or full surrender during the guarantee period, are subject to withdrawal charges and may also incur a Market Value Adjustment (MVA). Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period and during the renewal election period. (NY availability and term selections may differ from other states.) 

If the owner dies before annuitization, the insurer guarantees the beneficiary receives the contract value during the deferral period, and the death benefit is not reduced by withdrawal charges or MVA. Once annuitized, payments follow the elected settlement option.

The product summary indicates waiver features may apply in certain situations (including RMD treatment and other contractual provisions), but waiver qualification requirements vary by state and are not fully detailed in the summary document.

Beginning immediately, owners may withdraw up to 10% of the account value each contract year (noncumulative) without withdrawal charges or MVA, subject to a $250 minimum per withdrawal. Withdrawals above the free amount may be subject to withdrawal charges and MVA during the guarantee period.

 funds. SmartSelect may be issued as a Traditional, Roth and SEP IRA, or to fund a qualified plan, and may also be suitable for rollovers from other tax-qualified plans.

SmartSelect 3 NY is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire 3-year guarantee period. The owner makes a one-time premium payment and selects the 3-year Guaranteed Rate Option (GRO), during which interest grows tax-deferred and the initial rate is guaranteed for the full length of the GRO. Beginning immediately, up to 10% of the account value may be withdrawn each contract year without withdrawal charges or MVA, subject to a $250 minimum. Withdrawals above the free amount during the GRO are subject to withdrawal charges and may also be adjusted by an MVA. At the end of the guarantee period, the contract allows renewal into a new GRO term at then-current rates or default to a 1-year renewal period.

At the end of the initial GRO period, the owner may elect a new GRO term at then-current interest rates (NY note: 7-year GRO is not available) or default to a 1-year renewal period. A renewal window applies at the end of the guarantee period for making renewal or surrender elections.  

The surrender value generally equals the account value minus any applicable withdrawal charges and any applicable MVA adjustment for withdrawals above the free amount during the guarantee period.

Integrity Life / National Integrity Life SmartSelect 3 NY

 is a single-premium fixed deferred annuity (SPDA) with a Market Value Adjustment (MVA) that provides tax-deferred growth at a fixed interest rate guaranteed for a 3-year Guaranteed Rate Option (GRO). The product offers predictable accumulation insulated from market volatility, principal protection backed by the claims-paying ability of the issuer, and flexible access through a built-in annual free-withdrawal feature. SmartSelect is designed for conservative savers seeking stable interest crediting, straightforward contract mechanics, and a fixed-term accumulation strategy with renewal flexibility at the end of the guarantee period.

Withdrawals exceeding the 10% annual free-withdrawal allowance, or full surrenders during the guarantee period, are subject to withdrawal charges. Charges decline annually based on the number of years since the contribution was received. All funds are fully penalty-free after the withdrawal-charge period ends.

(Automatically included through the hardship waiver provisions.)

• Hardship / Medical Confinement Waiver

If the owner/annuitant dies during the accumulation period, the beneficiary receives the current account value at the time proof of death is received. Benefits bypass probate.

Withdrawal charges may be waived for qualifying hardship events, including:

• Unemployment (not available in IN, PA, WA)

• Nursing home, hospital, or long-term care facility confinement

• Required Minimum Distributions (RMDs) may qualify

Hardship waivers are not available in MO.

Beginning in contract year two, owners may withdraw up to 10% of account value (non-cumulative) without withdrawal charges.

• Reduced to $100 when taken through the free systematic withdrawal program

, including Traditional IRAs and Roth IRAs. The product may also be used for rollovers from KEOGH, 401(k), SEP, or other retirement plans.

SPDA Series II is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the duration of the selected 1-, 3-, 5-, or 7-year guarantee period. The owner makes a one-time contribution, after which interest grows tax-deferred. Beginning in the second contract year, the policy provides annual penalty-free withdrawals of up to 10% of the account value, while withdrawals above this level may be subject to withdrawal charges. At the end of the guarantee period, the contract transitions to an annual renewal rate, and the owner may renew, withdraw, or annuitize with no penalty.

At the end of the selected guarantee period, the contract is credited with an annual renewal rate. During this window, the owner may renew the contract at the declared renewal rate, withdraw without charges, annuitize, or reallocate. If no election is made, the contract automatically renews annually at the declared renewal rate.

Equals account value minus applicable withdrawal charges, but never less than the minimum nonforfeiture benefit defined in the contract.

is a single-premium deferred fixed annuity issued by Integrity Life Insurance Company that offers fully guaranteed multi-year interest rates across 

1-, 3-, 5-, and 7-year guarantee periods.

 It provides secure, tax-deferred growth with complete principal protection, making it well-suited for conservative clients seeking predictable accumulation insulated from market volatility. With penalty-free liquidity each year and a straightforward contract design backed by the financial strength of Western & Southern Financial Group, SPDA Series II supports long-term financial planning with safety, simplicity, and guaranteed performance.

Withdrawals above the 10% free-withdrawal limit, or full surrenders during the GRO period, may be subject to surrender charges and an MVA. Charges decline each year of the term and reach 0% at GRO maturity. Integrity Life uses standard FPDA surrender charge schedules; exact percentages may vary by state and form number. All funds are fully penalty-free at the end of the term or during the 30-day renewal window.

None. No annual policy fees, no maintenance charges.

If the owner dies before annuitization, beneficiaries receive the full account value, free from surrender charges and MVA. After annuitization, remaining payments follow the selected settlement option.

Integrity Life waives surrender charges and MVA in certain situations (state-specific):

• Required Minimum Distributions (RMDs)

Waiver availability may vary by state and issuing company (Integrity vs. National Integrity).

An optional short-term allocation choice that credits a declared interest rate reset quarterly.

• No 0.75% first-year enhancement is applied

• Additional premiums may be directed to the QIO

• Funds may be transferred from QIO into available GROs during the renewal window

Owners may withdraw up to 10% of the account value each contract year, based on the value at the previous anniversary.

• Available beginning immediately (Year 1)

• $300 minimum withdrawal, or $100 through systematic withdrawals

• Systematic monthly, quarterly, semi-annual, and annual withdrawals available

 funds, including Traditional IRA and Non-Qualified contracts. New contributions may be added at any time and allocated to any currently available GRO.

New Momentum is a flexible premium deferred annuity that allows the owner to allocate contributions into fixed-rate Guaranteed Rate Options (GROs). Each GRO provides a declared rate for its entire term, with an additional 0.75% interest enhancement in the first contract year. Available GRO terms (per current rate schedule) include 3-year and 5-year options. The policy accepts ongoing contributions at any time, each applied to the currently available GRO rate in effect on the date the premium is received.  The contract allows 10% penalty-free withdrawals every contract year starting immediately, based on the account value at the prior anniversary. Withdrawals above this amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each GRO term, a 30-day window provides flexibility to renew, transfer to another GRO, or withdraw funds without penalty.

At the end of a GRO period, the contract enters a 30-day window in which the owner may:

• Renew into the same GRO term at the declared renewal rate

• Take a full or partial penalty-free withdrawal

If no action is taken, the policy automatically renews for the same GRO term.

Equals the account value minus any applicable surrender charges and MVA, but never less than the minimum nonforfeiture amount as defined by Standard Nonforfeiture Law.

 is a flexible premium deferred fixed annuity (FPDA) issued by 

Integrity Life Insurance Company and National Integrity Life Insurance Company.

 It provides guaranteed, tax-deferred fixed interest growth with flexible contribution options and multiple Guaranteed Rate Options (GROs) designed for conservative savers seeking predictable accumulation. New Momentum offers a 0.75% first-year interest enhancement, daily compounding, principal protection, and consistent long-term performance insulated from market volatility. With accessible penalty-free withdrawals and clear contract mechanics, it supports long-term financial planning with stability, flexibility, and dependable growth.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. California and New York apply distinct surrender-charge schedules.

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the full account value in a lump sum, unaffected by surrender charges or MVA. Once annuitized, remaining payments follow the elected settlement option.

 Waives surrender charges and MVA for qualifying diagnosis of 12 months or fewer of life expectancy (not available in California).

• Nursing Home / Hospital / Care Facility Confinement Waiver:

 Waives surrender charges and MVA after at least 60 consecutive days of confinement following the first contract anniversary (not available in California).

• Required Minimum Distributions (RMDs).

Beginning immediately, owners may withdraw up to 10% of the account value each contract year without surrender charges or MVA, based on the noncumulative free-withdrawal provision. The minimum withdrawal is $250, reduced to $100 for systematic withdrawals, and at least $2,000 must remain in the contract after any withdrawal. 

 funds. The MultiVantage annuity accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, and SEP IRAs, and is suitable for rollovers from 401(k), KEOGH, or other qualified plans. 

MultiVantage is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected 4-, 5-, 7-, or 10-year guarantee period. The owner makes a one-time premium payment, and interest grows tax-deferred with an additional 1% first-year enhancement. Beginning immediately, owners may withdraw up to 10% of the account value each contract year without withdrawal charges or MVA; withdrawals above this amount may be subject to both. At the end of each GRO, owners may renew, surrender, transition to the 1-year guarantee period, or elect a new term without penalty.

At the end of each guarantee period, the MultiVantage annuity enters a renewal window during which the owner may renew the contract for the same term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to a settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for the same guarantee period at the then-current renewal rate.

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Integrity Life Insurance Company (and by National Integrity Life Insurance Company in New York) that provides fixed, tax-deferred interest growth and principal protection across 4-, 5-, 7-, and 10-year Guaranteed Rate Option (GRO) periods. It includes a 1% first-year interest rate enhancement and delivers predictable, contractually guaranteed rates insulated from market volatility. Designed for conservative savers seeking stability and long-term accumulation, MultiVantage offers immediate 10% penalty-free access and flexible renewal choices at the end of each GRO period.

Integrity Life – SmartSelect 3 NY

Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)

Integrity Life – New Momentum (5-, 6-, 7- and 10-year terms)

Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)