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VAROOM® Flexible Premium Variable Annuity (FPVA)

Variable Annuity for Roll Over Only Money (VAROOM) is a flexible premium variable annuity issued as a traditional Individual Retirement Account (IRA), a Roth IRA or a SEP IRA.

VAROOM was designed for money in motion—retirement plan rollovers, to be exact. It offers cost-effective investment options and riders that can help guarantee retirement income. VAROOM is an innovative investment option that offers subaccounts that invest in individual exchange-traded funds (ETFs) from iShares® and Vanguard.

ETFs may offer cost advantages and diversification to an investment portfolio. Rolling qualified money into VAROOM maintains the tax-favored status of the investment—an important consideration when assessing retirement savings strategies. VAROOM’s optional Guaranteed Lifetime Withdrawal Benefit offers added security for an additional charge. It provides regular retirement income payouts for life, while still allowing potential growth opportunities.

Before making rollover decisions, carefully consider all available retirement plan options. Factors to consider include but are not limited to, account fees and expenses, service levels and withdrawal penalties, as well as the limitation of one 60-day rollover per year. Consult a tax or legal advisor as tax consequences vary depending on state law and your individual situation.

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. The 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.

Before making rollover decisions, carefully consider all available retirement plan options. Factors to consider include but are not limited to, account fees and expenses, service levels and withdrawal penalties, as well as the limitation of one IRA rollover per year. Consult a tax or legal advisor as tax consequences vary depending on state law and your individual situation. VAROOM does not provide the tax advantages typically provided by an annuity contract. The tax advantages of this contract exist solely through its qualification as an IRA.

Tax advantages of VAROOM exist solely through its qualification as an IRA; there is no additional tax advantage or deferral. VAROOM is subject to all laws governing IRAs, including but not limited to, age and contribution limits, early and late IRS withdrawal penalties and required minimum distributions. ETFs similar to the subaccount options in VAROOM may be purchased outside of it, without the fees and benefits associated with an annuity. Investment return and principal value of a variable annuity fluctuate, so redeemed units may be worth more or less than their original cost.


Flexible Premium Deferred Fixed and Variable Annuity Contract series ICC10 INT-15 1011, ICC10 NIL-15 1011, NIL-15 1011 NY R, Guaranteed Lifetime Withdrawal Benefit Rider series ICC10 IR.32 1011, ICC10 IR.33 1011, ICC10 NR.32 1011, NR.32 1011 NY, ICC10 NR.33 1011, NR.33 1011 NY and Death Benefit Rider series 1CC10 IR.34 1011, ICC10 NR.34 1011, NR.34 1011 NY.

Issued as a single premium deferred annuity in Oregon.

BLACKROCK and iSHARES are registered and unregistered trademarks of BlackRock, Inc., or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners, used with permission. The iShares Funds are not sponsored, endorsed, issued, sold or promoted by JPMorgan Chase & Co., MSCI Inc., Markit Indices Limited, S&P Dow Jones Indices LLC or Standard & Poor’s, nor are they sponsored, endorsed or issued by Barclays Capital Inc. None of these companies make any representation regarding the advisability of investing in the Funds. BlackRock is not affiliated with the companies listed above. BlackRock’s only relationship to Integrity and National Integrity is the licensing of certain trademarks and trade names of BlackRock. Integrity and National Integrity variable annuities and Touchstone ETF Funds are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations or warranties to the owners of Integrity and National Integrity variable annuities or any member of the public regarding the advisability of investing in Integrity or National Integrity variable annuities or the iShares Funds. BlackRock has no obligation or liability in connection with the operation, marketing, sale or trading of Integrity and National Integrity’s variable annuities.

Vanguard, Connect with Vanguard®, and the ship logos are trademarks of The Vanguard Group, Inc.

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. Product approval, availability, and features may vary by state. See your financial professional for availability, details, and limitations.

Western & Southern member companies and their agents do not offer tax advice. For specific tax information, consult your attorney or tax advisor.

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

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.