SmartStep

SmartStep, a single premium deferred annuity (SPDA) from Western-Southern Life Assurance Company or National Integrity Life Insurance Company, offers: four years of guaranteed rates, guaranteed rate increases for contract years 2 – 4, initial year rate enhancement for premiums $100,000 + and withdrawal provisions that allow for liquidity. Help get your retirement assets growing in the right direction with SmartStep.

Issuer(s): Western-Southern Life Assurance Company | National Integrity Life Insurance Company

SmartStep: Contract series ICC12 1303-52006 WSA, 1303-52006 WSA, ICC12 1303-52006 NIL and 1303-52006 NIL NY and rider series ICC12 1303-5625 WSA END, 1303-5625 WSA END, ICC12 1303-5626-NQ WSA END, 1303-5626-NQ WSA END, ICC12 1303-5627-Q WSA END, 1303-5627-Q WSA END, ICC12 1303-5628 WSA END, 1303-5628 WSA END, ICC12 1303-5629 WSA END, 1303-5629 WSA END, ICC12 1303-5625 NIL END, 1303-5625 NIL END NY, ICC12 1303-5626-NQ NIL END, 1303- 5626-NQ NIL END NY, ICC12 1303-5627-Q NIL END, 1303-5627-Q NIL END NY, ICC12 1303-5628 NIL END, 1303-5628 NIL END NY, ICC12 1303-5629 NIL END and 1303-5629 NIL END 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. 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 05.15.17

CF-60-0000-1512