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Flexible Premium Variable Annuity

A flexible premium deferred variable annuity lets you decide how much to contribute (within certain limits) and where it is invested. Your rate of return and account value vary depending on the performance of the investments you select. Investment risk may include loss of principal. Your money can grow tax-deferred until you begin receiving a stream of income payouts or take a lump sum withdrawal. 

Refer to the toolkit below for additional information about each product.

AdvantEdgeIssuers: 

Integrity Life Insurance Company | National Integrity Life Insurance Company

AdvantEdge is a flexible premium, L-share type variable annuity offering a diverse array of variable investment options. It features two death benefit options – one standard and one enhanced – as well as asset allocation and rebalancing, a 10% annual withdrawal privilege (non-cumulative), two systematic transfer options and an optional enhanced earnings benefit or guaranteed lifetime withdrawal benefit (Guaranteed Lifetime Income Advantage). Additional charges for the enhanced death benefit, enhanced earnings benefit and guaranteed lifetime withdrawal benefit will apply.

AnnuiChoiceIssuers: 

Integrity Life Insurance Company | National Integrity Life Insurance Company

AnnuiChoice is a flexible premium variable annuity. Choose from a variety of fund portfolios from professional money managers or select one of five fixed guaranteed rate options. Systematic transfer options ensure a fixed interest rate while systematically transferring money to fixed or variable portfolios. AnnuiChoice also offers a 10% annual withdrawal privilege (non-cumulative), exchange-traded fund portfolios and an optional enhanced earnings benefit or guaranteed lifetime withdrawal benefit (Guaranteed Lifetime Income Advantage). Additional charges for the enhanced earnings benefit and guaranteed lifetime withdrawal benefit will apply.

PinnacleIssuers: 

Integrity Life Insurance Company | National Integrity Life Insurance Company

Pinnacle is a flexible premium variable annuity offering a diverse range of asset classes from professional money managers, as well as five fixed guaranteed rate options. Funds can be allocated among a wide variety of variable portfolios that support varying degrees of risk tolerance. Pinnacle V also offers a guaranteed death benefit, 12 free portfolio transfers per year, a 10% annual withdrawal privilege (non-cumulative), asset allocation and rebalancing, two systematic transfer options and an optional enhanced earnings benefit, guaranteed minimum accumulation benefit (Guaranteed Return Plus) or guaranteed lifetime withdrawal benefit (Guaranteed Lifetime Income Advantage). Additional charges for the enhanced earnings benefit, guaranteed minimum accumulation benefit and guaranteed lifetime withdrawal benefit will apply.

Toolkit

VAROOMIssuers: 

Integrity Life Insurance Company  |  National Integrity Life Insurance Company

VAROOM® is a retirement income product like none you've heard before. VAROOM – like its name – is something different. It stands for Variable Annuity for Roll Over Only Money.

This flexible premium variable annuity (single premium deferred annuity in Oregon) is issued as a traditional IRA, a Roth IRA or a SEP IRA. And VAROOM is innovative. For investment options, it offers subaccounts that invest in exchange-traded funds – ETFs – from two big names in ETFs, iShares® and Vanguard. Why are ETFs important? Because cost and diversification are important when investing.

Rolling qualified money into VAROOM maintains the tax-favored status of the investment – an important benefit for securing retirement savings progress. VAROOM's optional Guaranteed Lifetime Withdrawal Benefit offers added security for an additional charge. It provides regular retirement income payouts for life while still allowing potential growth opportunities.

Toolkit

  Materials May Require Adobe Reader

AdvantEdge:
Contract series INT 05-06-I, INT96 Rev., INT96 FRL, INT95, INT-12 0707, NIL-12 0707, NIL-12 0707 GM NY Cert, NIL-12 0707 GM SP NY Cert and rider series IR.19 0801, IR.19 0801 SP, IR.20 0801, IR.20 0801 SP, NR.19 0801, NR.19 0801 SP, NR.19 0801 NY Cert, NR.19 0801 SP Cert, NR.20 0801, NR.20 0801 SP, NR.20 0801 NY Cert and NR.20 0801 SP Cert.

AnnuiChoice:
Contract series INT96 Rev., INT96 FRL, INT95, INT 05-04-I, INT 07-04, INT-12 0707, NIL95, NIL 07-04 SP NY Cert, NIL 07-04 NY Cert, NIL-12 0707 and rider series IR.06 0605, IR.06 0605 SP, IR.19 0801, IR.19 0801 SP, IR.20 0801 and IR.20 0801 SP, NR.06 0605, NR.06 0605-SP, NIL 07-04 SP NY Cert, NR.19 0801, NR.19 0801 SP, NR.19 0801 NY Cert, NR.19 0801 SP NY Cert, NR.20 0801, NR.20 0801 SP, NR.20 0801 NY Cert and NR.20 0801 SP NY Cert.

Pinnacle:
Contract series INT 95, INT96 Rev., INT96 FRL, INT 05-07-I, INT 07-07, INT-12 0707, NIL95, NIL 07-07 NY Cert, NIL-12 0707, NIL 07-07 SP NY Cert, 11960 VA and rider series IR.06 0605, IR.06 0605 SP, IR.19 0801, IR.19 0801 SP, IR.20 0801, IR.20 0801 SP, NR.06 0605, NR.06 0605 SP, NR.19 0801, NR.19 0801 SP, NR.19 0801 NY Cert, NR.19 0801 SP NY Cert, NR.20 0801, NR.20 0801 SP, NR.20 0801 NY Cert and NR.20 0801 SP NY Cert.

VAROOM:
Contract series ICC10 INT-15 1011, INT-15 1011, ICC10 NIL-15 1011, INT-15 1011 OR and NIL-15 1011 NY and rider series ICC10 IR.32 1011, IR.32 1011, IR.32 1011 OR, ICC10 IR.33 1011, IR.33 1011, IR.33 1011 OR, ICC10 IR.34 1011, IR.34 1011, ICC10 NR.32 1011, NR.32 1011 NY, ICC10 NR.33 1011, NR.33 1011 NY, ICC10 NR.34 1011 and NR.34 1011 NY.

Costs include an annual charge of 1.90% (0.75% M&E, 0.35% administration, 0.80% distribution) on assets and a withdrawal charge on any partial withdrawal over 10% of any account value. Withdrawal charges are applied to each premium for the first five years: 7% in the first year, 7% in year 2, 6% in year 3, 5% in year 4, 4% in year 5, and 0% thereafter. The distribution charge reimburses the insurance company for costs of distribution of VAROOM, including commissions paid to our distributors. VAROOM's optional Guaranteed Lifetime Withdrawal Benefit (GLWB) is available at issue for an additional charge.

Issued as a single premium deferred annuity in Oregon. 

Tax advantages of VAROOM exist solely through its qualification as an IRA; there is no additional tax advantage or deferral. VAROOM is subject to all laws governing IRAs, including but not limited to, age and contribution limits, early and late IRS withdrawal penalties and required minimum distributions. ETFs similar to the subaccount options in VAROOM may be purchased outside of it, without the fees and benefits associated with an annuity. Investment return and principal value of a variable annuity fluctuates, so redeemed units may be worth more or less than their original cost.

iShares® is a registered trademark of BlackRock Institutional Trust Company, N.A. (BlackRock). All other trademarks, servicemarks or registered trademarks are the property of their respective owners. BlackRock's only relationship to Integrity and National Integrity is the licensing of certain trademarks and trade names of BlackRock. Integrity and National Integrity variable annuities and Touchstone ETF Funds are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations or warranties to the owners of Integrity and National Integrity variable annuities or any member of the public regarding the advisability of investing in Integrity and National Integrity variable annuities or the iShares Funds. BlackRock has no obligation or liability in connection with the operation, marketing or trading of Integrity and National Integrity's variable annuities.

Vanguard, Connect with Vanguard®, and the ship logo are trademarks of The Vanguard Group, Inc.

Annuities are issued and guaranteed by Integrity Life Insurance Company, 400 Broadway, Cincinnati, OH, 45202 and National Integrity Life Insurance Company, 15 Matthews Street, Suite 200, Goshen, NY, 10924-1995. Variable annuities are distributed by Touchstone Securities, Inc.,* Cincinnati, OH. All are members of Western & Southern Financial Group. Integrity operates in DC and all states except ME, NH, NY and VT, where National Integrity operates. W&S Financial Group Distributors is an affiliated agency of the issuers, which have sole financial responsibility for their products. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age.

Variable annuities are tax-deferred insurance products. If you are investing through a tax-advantaged plan (such as an IRA or 401(k) rollover), you will receive no additional tax advantage or deferral from the annuity. Investment return and principal value of an investment in a variable annuity will fluctuate, so units, when redeemed, may be worth more or less than their original cost.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the insurance company issuing the annuity. Guarantees are based on the claims-paying ability of the insurer. There is no guarantee of the investment performance or safety of the variable investment options. Variable annuities are suited for long-term investing. Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product approval, availability and features may vary by state. See your financial professional for availability, details and limitations.

Investment return and principal value of an investment in a variable annuity will fluctuate, so units, when redeemed, may be worth more or less than their original cost.

Western & Southern Financial Group companies do not offer tax advice. For specific tax information, consult your attorney or tax advisor.

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment found in the product prospectus and fund prospectus. For prospectuses containing complete information, access the product's toolkit on WSFinancialPartners.com or call 800.325.8583 (Integrity) or 800.433.1778 (National Integrity). Please read the prospectuses carefully before investing or sending money.

*A registered broker-dealer and member FINRA/SIPC.

NOTE: Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent. 

No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.