New Momentum Flexible Premium Deferred Annuity

Get stable growth starting today and guaranteed income for tomorrow with New Momentum.

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Benefits of New Momentum

Flexible premiums can be customized for your needs and budget.
Interest rates are guaranteed for your choice of 5, 6 or 10 years.
A quarterly rate option is also available to help you take advantage of rising rates.
Interest earnings grow tax-deferred until withdrawn. This usually happens when you retire and are likely to be in a lower income tax bracket.
You can withdraw up to 10% of your account value every year without incurring a withdrawal charge.
If you die during the accumulation period, the account value will transfer to your designated beneficiary.

Could This Flexible Premium Deferred Annuity Be Right for You?

A flexible premium deferred annuity may be the right fit for a number of reasons:

You want earnings that grow tax-deferred at interest rates guaranteed not to fall below a certain minimum.
You want to make smaller payments over time instead of a lump sum premium.
You are looking for income for that can continue for your lifetime.

Details About This FPDA Annuity

During a guarantee period of more than one year, which is called a Guaranteed Rate Option (GRO), an Market Value Adjustment (MVA) applies to withdrawals in excess of the free withdrawal amount, early transfers, and if applicable, annuitizations. The MVA reflects the effect of the change in the interest rates we offer between the time the GRO was selected and the time the MVA is applied. Generally, if interest rates increase, the MVA reduces your contract’s value. On the other hand, if interest rates decrease, the MVA increases your contract’s value.

The MVA will not result in a value of less than the contribution applied at the beginning of the current GRO, minus withdrawals taken during the current GRO (including any withdrawal charge, but not considering any MVA), plus interest credited at the guaranteed minimum interest rate. Withdrawal charges may reduce this amount.

An MVA does not apply during the last 30 days of the GRO or to the death benefit. It applies to your annuity benefit only if the application of the withdrawal charge and the MVA would increase the amount applied to the income option.

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IMPORTANT DISCLOSURES

GROs are credited with annual effective interest rates, taking into account daily compounding of interest.
Account value may be allocated to one GRO period only. GROs may change or may not be available for renewal.

Flexible Premium Deferred Fixed Annuity INT96 Rev., NIL 04-04-3 and NIL-04-04-3 NY Rev. New Momentum is issued by Integrity Life Insurance Company, Cincinnati, OH. NAIC number 74780 and National Integrity Life Insurance Company, White Plains, NY. NAIC number 75264. Integrity Life operates in DC and all states except NY where National Integrity Life operates.
Exceptions apply. Hardship waivers are not available in MA and SD. Hardship waiver does not include unemployment in IN, MT, NJ, OR, PA, SC and TX. Waivers applied for disability only in NY.

Annuity contracts have terms and limitations for keeping them in force. Please contact a financial representative for complete details. An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

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. All are members of Western & Southern Financial Group. W&S Financial Group Distributors, Inc. (doing business in CA as W&S Financial Insurance Services) is an affiliated life insurance agency of the issuer. The 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. A charge may be assessed against the annuity value if a withdrawal is made during the withdrawal period is made that exceeds the free amount.

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.

No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.