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woman and man couple canoeing on lake in mountains talking about new momentum flexible premium deferred annuity and annuities

New Momentum Flexible Premium Deferred Annuity (FPDA)

New Momentum is a flexible premium deferred annuity (FPDA) that combines the power of tax deferral with a choice of guaranteed rate options (GROs), as well as a quarterly interest option (QIO) providing a rising rate opportunity for clients unsure where rates may go. The premium may be allocated to one or more of the multiple initial GROs, all with an initial first-year rate enhancement, or to the QIO until moved. At the end of the guarantee period, clients may transfer to existing GROs or remain in the QIO at a then-current interest rate. And at the end of a GRO period, transfer to a different guaranteed rate option without a withdrawal charge or transfer fee. New Momentum also offers flexible annual withdrawal privileges.

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


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.

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.