SmartSelect Series Single Premium Deferred Annuity (SPDA)
SmartSelect Series, a single premium deferred annuity (SPDA) with market value adjustment, offers both flexibility and guarantees. Providing initial guaranteed rate option (GRO) periods of three, four, five, six and seven years1, you select what works best. SmartSelect offers tax deferral, a choice of GRO periods at first renewal2, a minimum rate guarantee, a guaranteed death benefit and flexible withdrawal privileges3.
Issuer(s): National Integrity Life Insurance Company, Western-Southern Life Assurance Company
Single Premium Deferred Annuity Contract with Market Value Adjustment Feature series ICC18 ENT-06 and ENT-06 1805 NY.
1GROs are credited with annual effective interest rates, taking into account daily compounding of interest. Account value may be allocated to one GRO period only.
2GRO periods cannot be selected beyond maturity date. Account value must be at least $5,000 for GRO renewal election.
3Withdrawals of taxable amounts are subject to ordinary income tax and, before age 59½, generally subject to a 10% IRS penalty tax. A charge may be assessed against the account value if a withdrawal is made during the withdrawal period 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 as W&S Financial Insurance Services in CA) 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.
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.
Products Built for Times Like These
Products Built for Times Like These
When you build a house, you build it to be solid … stable … and secure.
You want it to be strong to withstand the elements.
Likewise, when building your protection portfolio, it’s just as important to build it with financial vehicles that are solid … stable … and secure. To help you withstand challenging economic storms.
That’s never been more important than now, as we face new challenges in our world. That’s why our products – annuities and life insurance – are built for times like these.
Let’s take a look at just a few of their features you can count on …
You can lock in interest rates on some annuities. So you can secure the return you expect. Plus, guaranteed minimum rates frame a strong foundation or certainty.
You can receive a guaranteed retirement income stream from an annuity. For specific time frames. Or even for your whole life. It’s a powerful benefit you’re sure to value over time.
You can stop worrying about the market with an indexed annuity. Its return is guaranteed to never be negative, even if the market goes down. That’s a secure feeling.
“Products built for times like these.” It may be just words to some. But it’s a way of doing business to us. So our strengths … can be your strength … now … and in the future.
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