In fact, you have four options for the 401(k) or other retirement plan you had through your previous employer. Take control, know your options and make the right decisions for your money and your future. Western & Southern Financial Group Distributors has developed an educational seminar series to help your transition as you change jobs. Talk with your financial professional for more information on the Job Changer seminar or check out the related links to learn about your options for your hard earned money.
Wondering what mix of investment options suits you as you prepare to live in retirement? Fortunately, you know an expert... yourself. How you create your investment strategy is all about you and your preferences.
Choosing investments for your variable annuity from Integrity or National Integrity is easy using the professional models created by Ibbotson© Associates and centered on your profile. Target your investment preferences using the appropriate Asset Allocation brochure:
Begin the discussion with your financial professional today.
When you invest in a variable annuity from our company, a strategic asset allocation service from Ibbotson Associates comes at no additional cost. It can help you identify the mix of asset categories that pursue the balance of growth potential and return stability that suits you.
Ibbotson Associates is a leading independent asset allocation expert. Its mission is to help investors reach financial goals by providing innovative asset allocation solutions. Its experienced consultants serve banks, broker-dealers and insurance companies worldwide. Ibbotson applies academic research and proprietary methodology to create portfolios using more than 30 years of asset allocation and investment theory. Founded in 1977, Ibbotson is a Morningstar company.
© 2011 Ibbotson Associates, Inc. Used with permission. All rights reserved. Ibbotson Associates Inc. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Ibbotson and Morningstar are not affiliated with Western & Southern Financial Group and its affiliates.
Variable annuities are issued by Integrity Life Insurance Company, Cincinnati, OH, and National Integrity Life Insurance Company, Goshen, NY, and distributed by Touchstone Securities, Inc.,* Cincinnati, OH. All companies are members of Western & Southern Financial Group. Integrity operates in all states and DC except NH, NY, ME and VT where National Integrity has operating authority. W&S Financial Group Distributors, Inc. is an affiliated agency of the insurers, which have sole financial responsibility for their products.
This brochure briefly summarizes some of the contract provisions and is not part of the annuity contracts themselves. These annuities have limitations and terms under which the provisions may be discontinued.
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. Products are backed by the full financial strength of Integrity Life Insurance Company and National Integrity Life Insurance Company. There is no guarantee of the investment performance or safety of the variable investment options in this variable annuity.
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. Withdrawals may be subject to charges. Integrity and National Integrity do not offer tax advice. For specific tax infomation, consult your tax advisor or attorney. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product and feature availability, as well as benefit provisions, vary by state.
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.
An investor should carefully consider the investment objectives, risks, charges and expenses of the investment found in the product and fund prospectuses. 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.
No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.
