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Explore Opportunities for Income in Retirement With Fixed Annuities

Consider Long-Term With Fixed Annuities

Consider a fixed annuity for a long-term retirement strategy. The issuer guarantees an interest rate for a certain period of time. At the end of the period, a renewal interest rate is declared for another guarantee period. In addition, most fixed annuities have a minimum interest rate is guaranteed for the life of the contract. All guarantees are backed by the claims-paying ability of the insurer.

Consistency underpins retirement confidence. Regardless of market conditions, fixed annuities credit a competitive, fixed interest rate. Indexed annuities, a specific type of fixed annuity, also provide guarantees, as well as the opportunity to earn interest based on changes in a market index or indexes. 

Fixed Annuity Solutions

AnnuiQuest Single Premium Deferred Annuity*

Allocate among interest rate guarantees of up to seven years, each with a first-year rate enhancement. 

explore AnnuiQuest SPDA

Indextra Series Fixed Indexed Annuity

Earn interest tied to changes in market indexes. Allocate among various options at specific points.

Explore indextra FIA

MultiRate Single Premium Deferred Annuity

Choose among interest rate guarantees of up to seven years, each with a first-year rate enhancement. 

Explore multirate spda

MultiVantage Series Single Premium Deferred Annuity

Select multi-year rate-to-term guarantee periods with matching withdrawal charge periods. First-year rate enhancement applies to initial and renewal rates.

EXPLORE multivantage series SPDA

New Momentum Flexible Premium Deferred Annuity

Select among multi-year rate guarantees with each premium. Interest rates—all with first-year rate enhancement—guaranteed for up to 10 years.

Explore new momentum fpda

SmartStep Single Premium Deferred Annuity

Provides four years of guaranteed interest rates—an initial and three years of progressive increases. Optional money-back guarantee.

explore smartstep spda

SPDA Series II

Accepts a low minimum contribution of only $3,000. Provides a money-back guarantee.

explore SPDA Series II

*Available only in states where MultiRate Single Premium Deferred Annuity is not an approved product offering.

W&S Financial Group Distributors, Inc. is an affiliated agency of the issuer.  Issuer has sole financial responsibility for its products.   All are members of Western & Southern Financial Group.  Single Premium Deferred Fixed Annuity Contract Series INT-03 0712,  NIL-03 0712 NY Cert issued by Integrity Life Insurance Company and National Integrity Life Insurance Company.  Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406 issued by Integrity Life Insurance Company.  Single Premium Deferred Annuity 0407-5590-I WSA Issued By Western-Southern Life Assurance Company.  Single Premium Deferred Annuity Contract with market Value Adjustment Feature and Interest Rate Enhancement ICC11 INT-16 1112, ICC11 NIL-16 1112, NIL-16 1112 NY R issued by Integrity Life Insurance Company and National Integrity Life Insurance Company.  Flexible Premium Deferred Fixed Annuity INT96Rev., NIL 04-04-3 issued by Integrity Life Insurance Company and National Integrity Life Insurance Company.  Single Premium Deferred Annuity Contract INT-04 03, NIL-04 03, NIL-03-02-2 NY issued by Integrity Life Insurance Company and National Integrity Life Insurance Company.  

These contracts and benefits may not be available in all states, and benefits may 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 59 ½ may be subject to 10% IRS penalty.

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.

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

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