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Active Product: Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)
Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)
About this product
The SPDA Series II is a single-premium deferred fixed annuity issued by Integrity Life Insurance Company that offers fully guaranteed multi-year interest rates across 1-, 3-, 5-, and 7-year guarantee periods. It provides secure, tax-deferred growth with complete principal protection, making it well-suited for conservative clients seeking predictable accumulation insulated from market volatility. With penalty-free liquidity each year and a straightforward contract design backed by the financial strength of Western & Southern Financial Group, SPDA Series II supports long-term financial planning with safety, simplicity, and guaranteed performance.
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 | 4.03% |
| 5 Years | 4.80% |
| 7 Years | 4.64% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $3,000.00 - $500,000.00 | 4.03% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (80) and target payout age (87), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.64% |
| Age | 80 - 87 |
Summary
| Total years to payout | 10 |
| Total guarantee periods applied | 2 |
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