AnnuiChoice, a flexible premium variable annuity, offers you the choice of a variety of fund portfolios from professional money managers, plus you can select from among fixed guaranteed rate options. Systematic transfer options ensure a fixed interest rate while systematically transferring money to fixed or variable portfolios. AnnuiChoice offers a 10 percent annual withdrawal privilege (non cumulative)*, and you may choose from among the following optional benefits for an additional charge:
Enhanced death benefit
Enhanced earnings benefit (Not available with National Integrity Life product)1
Guaranteed lifetime withdrawal benefit (Guaranteed Lifetime Income Advantage or Guaranteed Lifetime Income Advantage Plus)2
* Fees and charges include, but are not limited to, mortality and expense risk charges, administrative fees, contract fees and additional charges for optional benefits. Withdrawals also may be subject to charges, and will reduce annuity contract benefits and values. Lifetime income options are an optional insurance benefit available for an additional charge.
Issuer(s): Integrity Life Insurance Company, National Integrity Life Insurance Company
Integrity Life Insurance Company, Cincinnati, OH, operates in DC and all states except NY, where National Integrity Life Insurance Company, Greenwich, NY, operates. NAIC numbers 74780 & 75264. Securities offered by Touchstone Securities, Inc., Cincinnati, OH. All companies 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. Issuer has sole financial responsibility for its products.
Investment return and principal value of an investment in a variable annuity will fluctuate, so units, when redeemed, may be worth more or less than their original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of the contract and the underlying investment options. This and other information is contained in the product and the underlying fund prospectuses and, if available, summary prospectuses. For prospectuses, call 800.325.8583 or visit Resources. Please read the prospectuses carefully before investing.
1 Not available with guaranteed lifetime withdrawal benefit 2 Not available with enhanced earnings benefit
Flexible Premium Deferred Fixed and Variable Annuity Contract series INT96 Rev., NIL 06-04, NIL 07-04 NY Cert, and Guaranteed Lifetime Withdrawal Benefit Rider series IR.19 0801, IR.20 0801, ICC14 IR.37 1410, ICC14 IR.38 1410, NR.19 0801, NR.19 0801 NY Cert, NR.20 0801, NR.20 0801 NY Cert, ICC14 NR.37 1410, NR.37 1410 NY Cert, ICC14 NR.38 1410, NR.38 1410 NY Cert.
Variable annuities are tax-deferred insurance products. If you are investing through a tax-advantaged plan (such as an IRA or 401(k) rollover), you will receive no additional tax advantage or deferral from the annuity. Investment return and principal value of an investment in a variable annuity will fluctuate, so units, when redeemed, may be worth more or less than their original cost.
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. There is no guarantee of the investment performance or safety of the variable investment options. Variable annuities are suited for long-term investing. Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax. 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 approval, availability, and features may vary by state. See your financial professional for availability, details, and limitations.
Securities offered through Touchstone Securities, Inc. Cincinnati, OH, a registered broker-dealer and member FINRA/SIPC.
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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