Indextra^® Fixed Indexed Annuity

Indextra gives you both choice and potential in one insured vehicle that helps you prepare your path to the future.

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Benefits of Indextra

Indextra is a fixed indexed annuity. It earns interest based on a portion, if any, of changes in a market index, which measures how markets or parts of markets perform. This tax-deferred insurance product is designed both to protect its accumulated account value from losses due to negative changes in market indexes associated with the annuity and to guarantee an income you can't outlive for the period selected.

Interest rates are based in part on positive changes in market indexes, but will never be less than zero - even if market indexes go down.
Once interest is credited, it can never be lost due to declines in market indexes associated with the annuity.
Seven indexed interest options and one fixed interest option give you the ability to choose how your money is allocated.
Interest earnings grow tax-deferred until withdrawn. This usually happens when you retire and are likely to be in a lower income tax bracket.
Up to 10% of the account value may be withdrawn each index year without incurring a withdrawal charge.

Could This Fixed Indexed Annuity Be Right for You?

An indexed annuity may be the right fit for a variety of needs:

You desire the potential to earn interest that's partially determined by market indexes, with protection from loss due to negative returns.
You value options when it comes to allocating your funds.
You seek flexibility to allocate money to multiple allocation options, including an option where interest is determined in part by a proprietary index.
You want interest earnings to grow tax-deferred until you withdraw them.
You value death benefit protection.

Details About This Indexed Annuity

When your Indextra contract is issued, your premium earns the guaranteed minimum interest rate declared. On the sweep date (one to 22 days after issue), your account value will be allotted among the allocation options you specified.

The first crediting period begins on the sweep date and ends after the number of index years specific to the crediting period. The end of one crediting period marks the beginning of the next.

Any interest for the indexed interest options is credited to your account value at the end of a crediting period. No interest is credited on amounts withdrawn before the end of a crediting period. We guarantee the indexed interest rate will never be less than 0%, even if the market index goes down.

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Indextra is issued by Integrity Life Insurance Company. At Western & Southern Financial Group, Indextra is offered through W&S Brokerage Services, Inc., a registered broker-dealer, member FINRA / SIPC.

IMPORTANT DISCLOSURES

Single Premium Deferred Annuity Contract with Indexed Interest Options Series ICC14 ENT-03 1406 issued by Integrity Life Insurance Company which operates in DC and all states except NY.

Product and feature availability, as well as benefit provisions, vary by state.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty.

Indextra is not a security. It does not participate in the stock market or any index. It is an insurance contract designed to help you address your long-term retirement income needs.

Annuity contracts have terms and limitations for keeping them in force. Please contact a financial representative for complete details.

Annuity products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.

Indextra® Fixed Indexed Annuity