What is the minimum guaranteed surrender value for Integrity Life SPDA Series II?

This annuity offers one, three, five, and seven-year guaranteed interest rate periods, with automatic renewal at the end of the term. The contract allows up to 10% annual withdrawals without charges and features withdrawal charge waivers for qualifying hardships. It includes a death benefit equal to the full account value, bypassing probate. The contract is simple and has no additional fees or administrative charges, with contributions starting from $3,000.

What is the minimum premium amount for Integrity Life SPDA Series II?

The minimum premium amount is $3,000.

What is the maximum issue age for Integrity Life SPDA Series II?

The maximum issue age is 85 years.

What is the current interest rate for Integrity Life SPDA Series II?

The current interest rate is 4.43%.

What is the surrender charge schedule for Integrity Life SPDA Series II?

An account value charge applies to amounts over the free withdrawal amount and decreases over time based on the number of years that have elapsed since the contribution was received. The withdrawal charge will be the following percentages of the applicable withdrawal amount: 7%, 7%, 7%, 6%, 5%, 4%, 3%, and then 0% thereafter.

What are the best rates available for Integrity Life SPDA Series II?

The best available rate is 4.43% for a 3 year term.

Integrity Life Insurance Company

Integrity Life SPDA Series II

About this product

SPDA Series II is a single premium deferred annuity issued by Integrity Life Insurance Company (or National Integrity Life Insurance Company in NY). It provides guaranteed interest rate periods with tax-deferred growth, access to a portion of funds annually without penalty, and a return-of-premium guarantee. It’s designed for conservative savers seeking stability, safety, and predictable returns.

Available Rates

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

3 Years	4.43%
5 Years	4.20%
7 Years	4.04%

Available Guarantee Periods

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

$3,000.00 - $500,000.00

4.43%

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