Indextra^® NY Single Premium Deferred Fixed Indexed Annuity (FIA)

Single Premium Deferred Annuity Contract with Indexed Interest Options series NIL-18 2307, Allocation Options NE.50 2311, NE.51 MY-FI 2402, NE.52 SI-CL-OY-PTP 2402, NE.53 SI-PT-OY-PTP 2402 and Waiver of Withdrawal Charge Rider NR.43 2311. The Indexed Crediting Strategies have a guaranteed interest rate that will never be less than 0%, even if the index goes down. The interest rate for the Fixed Interest Strategies are declared in advanced, guaranteed for a specified period and will never be less than 1%.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by National Integrity Life Insurance Company (National Integrity Life). Standard & Poor’s® and S&P^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by National Integrity Life. Indextra^® NY is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Indextra^® NY product or any member of the public regarding the advisability of investing in securities generally or in Indextra^® NY particularly or the ability of the S&P 500^® Index to track general market performance. S&P Dow Jones Indices’ only relationship to National Integrity Life with respect to the S&P 500^® Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500^® Index is determined, composed and calculated by S&P Dow Jones Indices without regard to National Integrity Life or the Indextra® NY product. S&P Dow Jones Indices has no obligation to take the needs of National Integrity Life or the owners of Indextra^® NY into consideration in determining, composing or calculating the S&P 500^® Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Indextra^® NY product or the timing of the issuance or sale of Indextra^® NY or in the determination or calculation of the equation by which Indextra^® NY is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Indextra^® NY. There is no assurance that investment products based on the S&P 500^® Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500^® INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY NATIONAL INTEGRITY LIFE, OWNERS OF THE INDEXTRA^® NY PRODUCT OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500^® INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT.