Elderly Couple Jogging Fixed Annuities SPDA Series II

SPDA Series II Single Premium Deferred Annuity

SPDA Series II, a single premium deferred annuity (SPDA), provides a simple way to pursue retirement goals free of market risk. Guaranteeing 100% of principal plus a fixed rate of return for one, three, five or seven years, SPDA Series II offers tax deferral, a minimum rate guarantee, a guaranteed death benefit, flexible withdrawal privileges and the absence of a Market Value Adjustment.

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

IMPORTANT DISCLOSURES

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. Single Premium Deferred Fixed Annuity Contract series INT 04-03, NIL 04-03, NIL 03-02-2 NY. All are members of Western & Southern Financial Group. W&S Financial Group Distributors, Inc., is an affiliated 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.

Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent.

No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.

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