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An account value charge applies to amounts over the free withdrawal amount and decreases over time based on the number of years that have elapsed since the contribution was received. The withdrawal charge will be the following percentages of the applicable withdrawal amount: 7%, 7%, 7%, 6%, 5%, 4%, 3%, and then 0% thereafter.

Hardship waivers may be available for disability (National Integrity only), unemployment, terminal illness, medical care, nursing home, or long-term care confinement (Integrity only). Required minimum distributions may also qualify.

During the accumulation period, your beneficiary receives the current account value calculated at the time that proof of the annuitant’s death is received. The annuity contract pays death benefit proceeds directly to the named beneficiary without the delay, expense and publicity of probate.

Money-back Guarantee. If you make a full withdrawal at any time, you will receive at least the contribution amount, less any previous partial withdrawals. Withdrawal charges are waived to the extent that they would conflict with this guarantee.

Up to 10% of account value (noncumulative) may be withdrawn each contract year without a withdrawal charge. The $300 minimum withdrawal amount is reduced to $100 if taken through a systematic withdrawal program.

Traditional and Roth IRAs are available. This product may be a suitable option for rollovers from KEOGH, 401(k), SEP or other tax-qualified plans.

This annuity offers one, three, five, and seven-year guaranteed interest rate periods, with automatic renewal at the end of the term. The contract allows up to 10% annual withdrawals without charges and features withdrawal charge waivers for qualifying hardships. It includes a death benefit equal to the full account value, bypassing probate. The contract is simple and has no additional fees or administrative charges, with contributions starting from $3,000.

At the end of the initial guarantee period, the contract is credited with an annual renewal rate.

Surrender value equals the account value minus applicable withdrawal charges. However, the money-back guarantee ensures at least return of contribution minus prior withdrawals.

 is a single premium deferred annuity issued by Integrity Life Insurance Company (or National Integrity Life Insurance Company in NY). It provides guaranteed interest rate periods with tax-deferred growth, access to a portion of funds annually without penalty, and a return-of-premium guarantee. It’s designed for conservative savers seeking stability, safety, and predictable returns.

A withdrawal charge applies to amounts over the free withdrawal amount and decreases over time based on the number of years that have elapsed since the contribution was received. The withdrawal charge will be the percentages of the applicable withdrawal amount shown above.

At the death of the annuitant during the deferral period… the designated beneficiary… will receive the account value on the day the death claim is processed. No withdrawal charge or MVA applies.

Systematic withdrawal program with $100 minimum withdrawal is “available free of charge.

Up to 10% of account value (noncumulative) may be withdrawn each contract year without a withdrawal charge or MVA.

This product may be issued as a traditional, Roth and SEP IRA, or to fund a qualified plan.

This annuity allows contributions starting as low as $2,000 for qualified plans or $5,000 for nonqualified ones, with flexible withdrawals, income options, and the ability to make additional contributions. It includes market value adjustments (MVA), withdrawal charge waivers under qualifying circumstances, and transfer options within the contract. The contract’s value is backed by the financial strength of the issuer and designed to support long-term retirement planning.

If you do not choose a new guarantee period, your guarantee will renew at the same initial duration, if available.

The account value minus withdrawal charges and any market value adjustment (MVA), if applicable. “The account value after the MVA then would be reduced by the applicable withdrawal charge, if any, to produce the surrender value.

is a flexible premium deferred annuity issued by Integrity Life Insurance Company and National Integrity Life Insurance Company. It offers various Guaranteed Rate Options (GROs) with fixed interest rates, and a first-year interest rate enhancement. It is designed for individuals seeking steady, tax-deferred growth and flexible income options for retirement, with the added benefit of potential death protection.

A withdrawal charge applies to any amount withdrawn beyond the free 10% annual limit. This charge decreases over the duration of the GRO and is applied after the market value adjustment (MVA). The schedule ranges from 8% in the first year down to 1% in later years, depending on the GRO selected (4, 5, 7, or 10 years). Different states, such as New York and California, may have their own specific schedules. Waivers are available for terminal illness, nursing home confinement, or required minimum distributions. The MVA may increase or decrease the contract value depending on current interest rates versus rates at the time the GRO was established.

Beneficiary receives account value as of the date the death claim is processed; no MVA or withdrawal charge applies.

Includes free annual withdrawals up to 10% and death benefit as listed above.

Up to 10% of the account value (noncumulative) annually without withdrawal charge or MVA; minimum withdrawal is $250 ($100 for systematic programs).

Traditional, Roth and SEP IRAs; suitable for rollovers from KEOGH, 401(k), and other tax-qualified plans.

The MultiVantage® annuity provides policyholders with flexible access to funds, allowing up to 10% of the account value to be withdrawn annually without charges. It includes a death benefit equal to the account value, payable without market value adjustment or withdrawal charges. At the end of a GRO (Guaranteed Rate Option) period, the contract can be renewed under new GRO terms or moved to a 1-year guarantee period. Minimum and maximum premiums apply, and surrender charges decrease over time. The policy is backed by the financial strength of the issuing insurer.

At end of initial GRO, options include renewing for a new GRO period (4-, 5-, 7-, or 10-year), or defaulting to a 1-year guarantee period. Renewal guaranteed at least once.

Account value adjusted for any MVA and withdrawal charges.

MultiVantage® is a single premium deferred annuity with a market value adjustment (MVA) and interest rate enhancement, issued by Integrity Life Insurance Company or National Integrity Life Insurance Company. Designed for long-term retirement savings, it offers guaranteed interest rate options for fixed periods of 4, 5, 7, or 10 years and includes features such as tax-deferred growth, income options, and death benefit protection. The annuity supports Traditional, Roth, and SEP IRAs and may be suitable for rollovers from various tax-qualified plans

Integrity Life SPDA Series II

Integrity Life New Momentum

Integrity Life MultiVantage