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Couple hiking - Pinnacle

Pinnacle Flexible Premium Variable Annuity (FPVA)

Pinnacle, a flexible premium variable annuity, offers a diverse range of asset classes from professional money managers, as well as fixed guaranteed rate options. Funds can be allocated among a wide variety of variable investment options that support varying degrees of risk tolerance. Pinnacle also offers a built-in highest anniversary death benefit, 12 free portfolio transfers per year, a 10 percent annual withdrawal privilege (non-cumulative), asset allocation and rebalancing and two systematic transfer options. In addition, you may also choose from one of the following optional benefits for an additional charge: 

  • Enhanced earnings benefit (Not available with National Integrity Life product)
  • Guaranteed lifetime withdrawal benefit (Guaranteed Lifetime Income Advantage or Guaranteed Lifetime Income Advantage Plus)

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.


Flexible Premium Deferred Fixed and Variable Annuity contract series INT96 Rev., NIL 07-07, NIL 07-07 NY Cert, and Guarantee 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.