What is the minimum guaranteed surrender value for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

SPDA Series II is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the duration of the selected 1-, 3-, 5-, or 7-year guarantee period. The owner makes a one-time contribution, after which interest grows tax-deferred. Beginning in the second contract year, the policy provides annual penalty-free withdrawals of up to 10% of the account value, while withdrawals above this level may be subject to withdrawal charges. At the end of the guarantee period, the contract transitions to an annual renewal rate, and the owner may renew, withdraw, or annuitize with no penalty.

What is the minimum premium amount for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

The minimum premium amount is $3,000.

What is the maximum issue age for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

The maximum issue age is 85 years.

What is the current interest rate for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

The current interest rate is 4.03%.

What is the surrender charge schedule for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

Withdrawals exceeding the 10% annual free-withdrawal allowance, or full surrenders during the guarantee period, are subject to withdrawal charges. Charges decline annually based on the number of years since the contribution was received. All funds are fully penalty-free after the withdrawal-charge period ends.

What are the best rates available for Integrity Life – SPDA Series II (1-, 3-, 5-, 7-Year Terms)?

The best available rate is 4.64% for a 7 year term.

Integrity Life Insurance Company

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.

Available Rates

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

3 Years	4.03%
5 Years	4.80%
7 Years	4.64%

Available Guarantee Periods

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

$3,000.00 - $500,000.00

4.03%

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