What is the minimum guaranteed surrender value for Integrity Life MultiVantage?

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annuity provides policyholders with flexible access to funds, allowing up to 10% of the account value to be withdrawn annually without charges.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.

What is the minimum premium amount for Integrity Life MultiVantage?

The minimum premium amount is $20,000.

What is the maximum issue age for Integrity Life MultiVantage?

The maximum issue age is 89 years.

What is the current interest rate for Integrity Life MultiVantage?

The current interest rate is 4.2%.

What is the surrender charge schedule for Integrity Life MultiVantage?

A withdrawal charge applies to any amount withdrawn beyond the free 10% annual limit.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.

What are the best rates available for Integrity Life MultiVantage?

The best available rate is 4.30% for a 10 year term.

Integrity Life Insurance Company

Integrity Life MultiVantage

About this product

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

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

4 Years	4.20%
5 Years	4.25%
7 Years	4.09%
10 Years	4.30%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$20,000.00 - $1,000,000.00

4.2%

Features
Maximum Issue Age	89 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage