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SmartSelect Single Premium Deferred Annuity (SPDA)

SmartSelect, 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 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.

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.