What is the minimum guaranteed surrender value for Integrity Life – SmartSelect 3 NY?

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 Beginning immediately, up to 10% of the account value may be withdrawn each contract year without withdrawal charges or MVA, subject to a $250 minimum.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.

What is the minimum premium amount for Integrity Life – SmartSelect 3 NY?

The minimum premium amount is $20,000.

What is the maximum issue age for Integrity Life – SmartSelect 3 NY?

The maximum issue age is 85 years.

What is the current interest rate for Integrity Life – SmartSelect 3 NY?

The current interest rate is 3.4%.

What is the surrender charge schedule for Integrity Life – SmartSelect 3 NY?

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.)

What are the best rates available for Integrity Life – SmartSelect 3 NY?

The best available rate is 3.40% for a 3 year term.

Integrity Life Insurance Company

Integrity Life – SmartSelect 3 NY

About this product

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.

Available Rates

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

3 Years

3.40%

Available Guarantee Periods

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

$20,000.00 - $1,000,000.00

3.4%

Features
Maximum Issue Age	85 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