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mom and daughter on park bench AnnuiQuest

AnnuiQuest Single Premium Deferred Annuity (SPDA)

AnnuiQuest is a single premium deferred annuity (SPDA) that offers you the flexibility to spread your contribution among initial interest rates guaranteed for periods up to seven years. Divide your contribution however you choose to help anticipate future rate increases, provide balance for more stability or lock in rates for a longer time.

Other benefits include:

  • a first-year interest rate enhancement
  • tax-deferred growth
  • limited free withdrawal privileges
  • 100% return of premium guarantee.

Issuers: Integrity Life Insurance Company, National Integrity Life Insurance Company


Single Premium Deferred Fixed Annuity Contract policy series INT-03 0712, NIL-03 0712, NIL-03 0712 NY Cert.

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. 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.

The contract may be canceled at any time (subject to surrender charges). The cash surrender value will be at least 100% of the premium paid, adjusted for any distributions.

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

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.