Simulation & Edit Mode
Active Product: Integrity Life – SmartSelect 3 NY
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.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 3.40% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $20,000.00 - $1,000,000.00 | 3.40% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (80) and target payout age (83), the following guarantee period will be applied:
| Guarantee Period | 3 years |
| Rate | 3.40% |
| Age | 80 - 83 |
Summary
| Total years to payout | 10 |
| Total guarantee periods applied | 4 |
Lifetime Income Details
Payout Options
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