DOL Information

The Department of Labor (DOL) Fiduciary rule is intended to protect retirement investors from conflict of interest. The information in this section can help you learn more about it.

Products are issued by Integrity Life Insurance Company, Cincinnati, OH, National Integrity Life Insurance Company, Greenwich, NY or Western-Southern Life Assurance Company, Cincinnati, OH. Integrity operates in DC and all states except NY, where National Integrity operates. Western & Southern Life operates in DC and all states except AK, ME, NH, NY and RI. Payment of benefits under a life insurance policy is the obligation of, and is guaranteed by, the insurance company issuing the policy. Securities offered by Touchstone Securities, Inc.* W&S Financial Group Distributors, Inc. is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. All are Western & Southern Financial Group members.

Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Riders are optional and contain additional cost. Diversification may not protect against market risk. See your financial professional for guidance regarding your specific situation.

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. Product approval, availability and features may vary by state. See your financial professional for details and limitations. 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. Western & Southern member companies and their agents do not offer tax advice. Consult an attorney or tax advisor.

Updated 11.18.16

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