Single Premium Deferred
A single premium deferred annuity allows for a one-time, lump-sum contribution. Your money grows tax-deferred at a interest rate guaranteed by the issuer 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.
AcclaimIssuers:
Western-Southern Life Assurance Company
Acclaim is a single premium deferred annuity with five interest rate guarantee periods and a matching 5-year declining surrender charge period. You have the freedom to divide you premium payment to help moderate your exposure to interest rate cycles and diversify your returns over time. Tax-deferral, free withdrawal options and flexible income payment options make Acclaim a smart solution for your retirement saving goals.
Acclaim At-A-Glance Brochures - » Florida Only (FI-09-0002)
- » All Other Approved States (FI-09-0001)
- Rack Brochure (FI-09-0006)
- How Much Are You Really Earning? (FI-01-026)
- Can You Do Better After Taxes? (FI-01-027)
- Is An Annuity Right For You? (FI-01-028)
- 9 Ways Your Annuity May Pay (FI-01-046)
- Illustrations (Login Required: Financial Institutions/Banks use “Account Access” link above)
Momentum AdvantageIssuers:
Integrity Life Insurance Company | National Integrity Life Insurance Company
Momentum Advantage, a single premium deferred annuity, offers both flexibility and guarantees. Providing initial guaranteed rate option (GRO) periods of four, five, seven and 10 years, you select what works best. Funds may be transferred at the end of the GRO period only. Choose a new multi-year GRO or default to a one-year GRO. The optional Beneficiary Advantage Rider, available for an added cost, helps offset potential tax liability or other expenses at the annuitant’s death.
NOTE: 4- & 5-Year GROs Currently Unavailable in New York
- Rack Brochure (CF-07-30000)
- Product Summary (CF-07-50000)
- Benefit Advantage Rider Feature Sheet (CF-07-11000)
- Illustrations (Login Required: Financial Professionals use “Account Access” links above)
MultiRateIssuers:
Western-Southern Life Assurance Company
MultiRate is a single premium deferred annuity that offers the flexibility to spread your premium among six interest rate guarantee periods. Spread premium to help anticipate future rate increases, provide balance for more stability, or lock in solid rates for a longer time. Other benefits include a first-year interest rate enhancement, tax-deferred growth, free withdrawal privileges and a 100% return of premium guarantee.
- MultiRate At-A-Glance Brochures
- » Florida Only (FI-03-014)
- » All Other Approved States (FI-03-013)
- Rack Brochure (FI-03-012)
- How Much Are You Really Earning? (FI-01-026)
- Can You Do Better After Taxes? (FI-01-027)
- Is An Annuity Right For You? (FI-01-028)
- 9 Ways Your Annuity May Pay (FI-01-046)
- Illustrations (Login Required: Financial Institutions/Banks use “Account Access” link above)
MultiVantageIssuers:
Integrity Life Insurance Company | National Integrity Life Insurance Company
MultiVantageSM, a single premium deferred annuity with market value adjustment, offers both flexibility and guarantees. Providing initial guaranteed rate option (GRO) periods of four, five, seven and 10 years1, you select what works best. MultiVantage offers tax deferral, a 1% first-year-only interest rate enhancement, a choice of GRO periods at first renewal2,3, a minimum rate guarantee, a guaranteed death benefit and flexible withdrawal privileges.4
- Rack Brochure (CF-73-30000)
- Product Summary (CF-73-50000)
- MultiVantage - Multiple Guarantees Now. Flexible Advantages Later. (CF-73-11001)
- Illustrations (Login Required: Financial Professionals use “Account Access” links above)
SPDA Series IIIssuers:
Integrity Life Insurance Company | National Integrity Life Insurance Company
SPDA Series II single premium deferred annuity provides a simple way to pursue retirement goals free of market risk. Guaranteeing 100% of principal plus a fixed rate of return for one, three, five or seven years, SPDA Series II offers tax deferral, a minimum rate guarantee, a guaranteed death benefit, flexible withdrawal privileges and the absence of a Market Value Adjustment.
- Rack Brochure (CF-09-30000)
- Product Summary (CF-09-50000)
- Illustrations (Login Required: Financial Professionals use “Account Access” links above)
Materials May Require Adobe Reader
Acclaim:
Contract series: 0608-52001-I WSA, 0608-52002-1 WSA and rider series 0505-51001 WSA RDR.
Momentum Advantage:
NOTE: 4- & 5-Year GROs Currently Unavailable in New York
Contract series INT 01-04, INT 01-04-1, INT 01-04 MSP, I.01-03, I.03-03, INT 01-04-E, I.01-04-1 and NIL 01-02 NY, NIL 01-02-3 NY.
An MVA applies to early transfers, withdrawals and annuitizations, if applicable. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.
MultiRate:
Contract series: 0407-5590-I WSA
MultiVantage:
Contract series: INT-16 1112, IR.36 1112, ICC11 INT-16 1112, ICC11 IR.36 1112, ICC11 NIL-16 1112, ICC11 NR.36 1112, NIL-16 1112 NY and NR.36 1112 NY.
1 GROs are credited with annual effective interest rates, taking into account daily compounding of interest. Account value may be allocated to one GRO period only.
2 Ten-year GRO not available at renewal for National Integrity states. GRO periods cannot be selected beyond maturity date. Account value must be at least $5,000 for GRO renewal election.
3 In FL, for age 65 or older at issue, no withdrawal charges are permitted after 10 contract years, therefore GRO renewal options will be limited.
4 Withdrawals of taxable amounts are subject to ordinary income tax and, before age 59 1/2 , generally subject to a 10% IRS penalty tax.
SPDA Series II:
Contract series INT 04-03, NIL 03-02-2 NY and NIL 03-02-3 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. Annuities are issued and guaranteed by Western-Southern Life Assurance Company, 400 Broadway Cincinnati, OH, 45202-3341, Integrity Life Insurance Company, 400 Broadway, Cincinnati, OH, 45202 and National Integrity Life Insurance Company, 15 Matthews Street, Suite 200, Goshen, NY, 10924-1995. All are members of Western & Southern Financial Group. Western-Southern Life Assurance Company operates in all states except AK, ME, NH, NY and RI. Integrity operates in all states except ME, NH, NY and VT, where National Integrity operates. W&S Financial Group Distributors, Inc., is an affiliated agency of the insurers, which have sole financial responsibility for their 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.
Integrity and National Integrity 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.