IncomeSource Select is issued by Integrity Life Insurance Company, Cincinnati, OH. NAIC number 74780. Integrity Life operates in DC and all states except NY. 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. Issuer has sole financial responsibility for its products. Both companies are members of Western & Southern Financial Group.
A deferred income annuity is permanent. Owner has no access to premium, which converts to an income payout stream if at least one annuitant is alive on the Income Date. There is no cash value and the annuity can’t be surrendered. Contract terms, such as payment amount and frequency, cannot be changed, except under limited circumstances as described in the contract. A deferred income annuity should not be purchased if access may be needed to any of the premium for living expenses or other purposes. If a payout for life or two lives is selected, whether the payout received will be greater or less than the premium paid will depend on how long the annuitant(s) lives.
Payment of benefits under the 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. Products are backed by the full financial strength of Integrity Life. Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax and, if taken before 59½, may be subject to a 10% IRS penalty. Neither Integrity Life nor its agents offer tax advice. For specific tax information, consult your attorney or tax advisor. Earnings and pre-tax payments are subject to income tax when received. Western & Southern member companies and their agents do not offer legal or tax advice.
Product and feature availability, as well as benefit provisions, vary by state. See you financial professional for product details and limitations. Flexible Premium Deferred Paid-Up Annuity Contract Series ICC17 ENT-04 1708 and endorsements ICC17 EE.32-36 1708.
No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any government agency.
Securities offered through Touchstone Securities, Inc., Cincinnati, OH, a registered broker-dealer and member FINRA/SIPC.
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