New Momentum

New Momentum is a flexible premium deferred annuity (FPDA) that combines the power of tax deferral with a choice of guaranteed rate options (GROs), as well as a quarterly interest option (QIO) providing a rising rate opportunity for clients unsure where rates may go. Premium may be allocated to one or more of the multiple initial GROs, all with an initial first-year rate enhancement, or to the QIO until moved. At the end of the guarantee period, clients may transfer to existing GROs or remain in the QIO at a then-current interest rate. And at the end of a GRO period, transfer to a different guaranteed rate option without a withdrawal charge or transfer fee. New Momentum also offers flexible annual withdrawal privileges.

Issuer(s): Integrity Life Insurance Company | National Integrity Life Insurance Company

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New Momentum:

NOTE: GROs are credited with annual effective interest rates, taking into account daily compounding of interest.

Exceptions apply. Hardship waivers are not available in MA and SD. Hardship waiver does not include unemployment in IN, MT, NJ, OR, PA, SC and TX. Waivers applied for disability only in NY.

A market value adjustment will be applied to early transfers, withdrawals and if applicable, annuitizations. Contract series INT96 Rev., INT96 FRL, INT95, INT94, INT96 (NM2), INT 03-09 A, INT 03-09B, 11960CNQ-I-OR, NIL 04-04 NY and NIL 04-04-3 NY.

Payment of benefits under an 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. Western-Southern Life Assurance Company, Cincinnati, OH, operates in DC and all states except AK, ME, NH, NY and RI. Integrity Life Insurance Company, Cincinnati, OH, operates in DC and all states except NY, where National Integrity Life Insurance Company, Greenwich, NY, operates. All are members of Western & Southern Financial Group. W&S Financial Group Distributors, Inc., is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax.

Western & Southern member companies and their agents do not offer tax advice. For specific tax information, consult your attorney or tax advisor. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for availability, details and limitations. 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.

Updated 10.11.17

CF-60-0000-1512