Integrity Life at a Glance
Integrity Life Insurance Company is a Cincinnati-based annuity issuer in Western & Southern Financial Group. It sells fixed, fixed indexed, income, and variable annuities outside New York; its affiliate National Integrity Life issues the New York contracts. The company has an A+ (Superior) Financial Strength Rating from AM Best with a positive outlook as of April 23, 2026.
| Company fact | Detail |
|---|---|
| Legal company | Integrity Life Insurance Company, NAIC 74780 |
| Parent | Western & Southern Financial Group; acquired the Integrity companies in 1999 |
| Company history | Organized in Arizona on May 3, 1966; redomesticated to Ohio on January 3, 1995 |
| Principal office | 400 Broadway, Cincinnati, Ohio |
| Availability | District of Columbia and every state except New York |
| New York issuer | National Integrity Life Insurance Company |
| AM Best | A+ (Superior) FSR / aa Long-Term ICR; positive outlooks as of April 23, 2026 |
What Integrity Life Actually Sells
ARHQ has individual pages for eight Integrity-family fixed and fixed indexed annuities. The carrier also markets immediate-income, deferred-income, and variable annuities beyond this fixed-annuity catalog.
| Product | Type | What distinguishes it in the Integrity lineup |
|---|---|---|
| JourneyMark 5 | Fixed indexed annuity | Five-year surrender-period member of the JourneyMark accumulation family; no income rider appears on the live filing. |
| JourneyMark 7 | Fixed indexed annuity | Seven-year JourneyMark contract with an optional Expanse lifetime-income rider. |
| JourneyMark 10 | Fixed indexed annuity | Ten-year JourneyMark contract with an optional Expanse rider and a premium-bonus feature. |
| Indextra | Fixed indexed annuity | Non-New York contract with an optional guaranteed-lifetime-withdrawal rider. |
| Indextra NY | Fixed indexed annuity | New York contract issued by National Integrity Life; it has a different term and rider menu from the non-New York version. |
| MultiVantage | Fixed annuity / MYGA | Single-premium contract with multiple guaranteed-rate terms, an eight-year surrender schedule, and a market value adjustment. |
| New Momentum | Fixed annuity / MYGA | Flexible-premium contract with several guaranteed-rate periods and a market value adjustment. |
| SPDA Series II | Fixed annuity / MYGA | Single-premium deferred contract with defined withdrawal provisions and no market value adjustment. |
What AM Best Changed in 2026
On April 23, 2026, AM Best affirmed Integrity Life's A+ (Superior) Financial Strength Rating and aa Long-Term Issuer Credit Rating, then revised the outlooks from stable to positive. Integrity Life was named inside the Western & Southern rating unit. AM Best cited the group's strongest balance-sheet-strength assessment, adequate operating performance, favorable business profile, and very strong enterprise risk management.
The same action noted declining risk-adjusted capitalization associated with substantial annuity production and possible market-price effects in parts of the group's structured-securities, private-credit, and real-estate allocation. Those observations apply to the rating unit, not an isolated Integrity Life portfolio. The positive outlook is meaningful, but it does not erase the qualifications AM Best published with the action.
A 1966 Arizona Charter, a 1995 Ohio Move
Integrity Life's current Cincinnati identity can obscure its legal chronology. Its May 1, 2026 prospectus says the company was organized in Arizona on May 3, 1966, redomesticated to Ohio on January 3, 1995, and now maintains its principal office at 400 Broadway in Cincinnati. Western & Southern acquired Integrity Life and National Integrity Life in 1999.
Those are three separate facts: a 1966 legal origin, an Ohio domicile since 1995, and Western & Southern ownership since 1999. Describing the company simply as “founded in Cincinnati” would be inaccurate.
New York Changes the Company Name
Integrity Life is authorized in every state except New York and in the District of Columbia. National Integrity Life Insurance Company is the affiliated legal insurer used for New York business. Indextra NY is therefore a National Integrity Life obligation, even though ARHQ places it in the broader Integrity product directory so buyers can find related contracts together.
National Integrity itself should not be described as operating only in New York: Western & Southern's materials identify authority in several other northeastern states. The issuing-company name on the proposed contract—not the shared product brand—identifies the company responsible for its guarantees.
Where Integrity Earns Consideration
- A strong current rating result. AM Best affirmed A+ (Superior) and moved the outlook to positive in April 2026 for the rating unit that includes Integrity Life.
- An identifiable income-rider option. Indextra is the Integrity FIA in ARHQ's catalog with an optional guaranteed-lifetime-withdrawal rider.
Where Buyers Need Discipline
- The New York product is a different insurer's obligation. Indextra NY is issued by National Integrity Life and does not carry the same rider menu or surrender period as Indextra.
- JourneyMark is not one contract in three labels. JourneyMark 5 has no income rider in the live filing, JourneyMark 7 adds the optional Expanse rider, and JourneyMark 10 combines a longer surrender period with rider and bonus provisions.
- The fixed-rate products have different exit provisions. MultiVantage uses an eight-year surrender schedule and an MVA; New Momentum is flexible-premium and also uses an MVA; SPDA Series II does not use an MVA.
- The A+ applies within a rating unit, while the contract names one obligor. Buyers should verify Integrity Life or National Integrity Life on the state-specific form instead of relying only on the Western & Southern brand.
How Integrity’s Contracts Handle an Exit
The relevant exit terms differ across Integrity's own contracts. This is the product-specific comparison to make after narrowing the lineup by product type and intended use.
| Integrity contract | What remains available | Contract-specific limit |
|---|---|---|
| SPDA Series II | Defined withdrawal access under the contract. | Withdrawal charges can apply during the stated charge period; the contract does not use an MVA. |
| MultiVantage | Defined withdrawals under the contract. | A withdrawal charge and market value adjustment may apply; the adjustment can increase or decrease proceeds. |
| IncomeSource Select | The owner selects a future income date and payout form before income begins. | The carrier states that the contract has no cash value and cannot be surrendered for a lump sum. |
| IncomeSource | Certain contract versions provide a defined commutation feature after payments begin. | Premium is converted to immediate income and there is no ordinary surrender right. |
Current Rates and Product Pages
Rates, caps, participation terms, and rider figures change, so this review does not freeze them into text. Use the live Integrity fixed indexed annuity pages, the Integrity MYGA pages, and the annuity rate report to compare the exact contract, term, state, and premium under consideration.
Final Decision
Integrity Life belongs on a shortlist for buyers who want an A+ (Superior) AM Best-rated carrier with a positive outlook and several distinct fixed-annuity choices. JourneyMark 5, JourneyMark 7, and JourneyMark 10 cover three indexed-accumulation terms; Indextra is the lineup's optional-income-rider FIA; and MultiVantage, New Momentum, and SPDA Series II provide three fixed-rate designs. The deciding details are product-specific: New York contracts use National Integrity Life, the JourneyMark versions have different rider and bonus provisions, and the three fixed-rate contracts do not share the same premium or MVA structure. Compare the individual product page and state form that match the proposed contract before buying.