What is the minimum guaranteed surrender value for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

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.

What is the minimum premium amount for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

The minimum premium amount is $20,000.

What is the maximum issue age for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

The maximum issue age is 89 years.

What is the current interest rate for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

The current interest rate is 4.3%.

What is the surrender charge schedule for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

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.

What are the best rates available for Integrity Life – MultiVantage (4-, 5-, 7- and 10-year terms)?

The best available rate is 4.40% for a 10 year term.

Integrity Life Insurance Company

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

About this product

MultiVantage® 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.

Available Rates

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

4 Years	4.30%
5 Years	4.40%
7 Years	4.14%
10 Years	4.40%

Available Guarantee Periods

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

$20,000.00 - $1,000,000.00

4.3%

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