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elderly couple enjoying a vacation trip discussing multivantage single premium deferred annuity and annuities

MultiVantage Single Premium Deferred Annuity (SPDA)

MultiVantage®, a single premium deferred annuity (SPDA) with market value adjustment, offers both flexibility and guarantees. Providing initial guaranteed rate option (GRO) periods of four, five, seven and 10 years1, you select what works best. MultiVantage offers tax deferral, a 1% first-year-only interest rate enhancement, a choice of GRO periods at first renewal2,3, a minimum rate guarantee, a guaranteed death benefit and flexible withdrawal privileges.4

Issuer(s): Integrity Life Insurance Company, National Integrity Life Insurance Company


Single Premium Deferred Annuity Contract with Market Value Adjustment Feature and Interest Rate Enhancement series ICC17 INT-16 1701 and NIL-16 1701 NY R1.

1 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.

2 Ten-year GRO not available at renewal for National Integrity states. GRO periods cannot be selected beyond maturity date. Account value must be at least $5,000 for GRO renewal election.

3 In FL, for age 65 or older at issue, no withdrawal charges are permitted after 10 contract years, therefore GRO renewal options will be limited to early withdrawal charge in the contract.

4 Withdrawals of taxable amounts are subject to ordinary income tax and, before age 59 1/2, 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.

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.

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.