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Elderly Couple Hiking Fixed Annuities SmartStep

SmartStep Single Premium Deferred Annuity (SPDA)

SmartStep, a single premium deferred annuity (SPDA) from Western-Southern Life Assurance Company or National Integrity Life Insurance Company, offers: four years of guaranteed rates, guaranteed rate increases for contract years 2 – 4, initial year rate enhancement for premiums $100,000 + and withdrawal provisions that allow for liquidity. Help get your retirement assets growing in the right direction with SmartStep.

Issuer(s): Western-Southern Life Assurance Company, National Integrity Life Insurance Company


Single Premium Deferred Annuity Contract series ICC12 1303-52006 WSA, ICC12 1303-52006 NIL and 1303-52006 NIL NY R.

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. 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.