Family running outside with their dog
Balance Growth With Security

Fixed Annuity

When you buy a fixed annuity, Western & Southern guarantees you an interest rate for a certain period of time. At the end of this period, we will declare a renewal interest rate and another guarantee period. In addition, most fixed annuities have a minimum interest rate that is guaranteed for the life of the contract. In other words, regardless of market conditions, you will never receive less than your guaranteed percentage rate. Fixed annuities typically appeal to those who feel more comfortable knowing exactly how much their money is earning.

Woman talking to her husband on the phone at a cafe

Choose the Type of Annuity That's Right For You

The type of annuity you choose depends on your goals. Do you need income that starts now or in the future? The grid below can help you make the right choice based on how your needs match up with the features of each annuity.

Benefits Indextra® OmniFlex® Premium Bonus Select Guarantee
Single Pay Premium Only one total payment made at beginning of contract
Flexible Contributions Make contributions as frequently or infrequently as you wish
Guaranteed Interest Rate Choose the length of the interest guarantee period
Earns Interest by Market Index Measures how markets or parts of markets perform
Deferred Income You decide when to take money from your annuity
Additional annuity products offered by Columbus Life Insurance Company: AdvantagePassport & Lafayette Life Insurance Company: Marquis® SP & Marquis® Centennial
Give us a call
Integrity Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except NY. W&S Financial Group Distributors, Inc. is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group. Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406 issued by Integrity Life Insurance Company.

Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. Flexible Premium Deferred Annuity contract series 0407-5100-I WSA 0407-5101-I WSA Premium Bonus 0505-50001-I WSA Single Premium Deferred Annuity contract series 0407-5008-I WSA issued by Western-Southern Life Assurance Company. These policies and benefits may not be available in all states, and benefits may vary by state

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the 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 and Western-Southern Life Assurance Company.

Earnings and pre-tax 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 age 59½, may be subject to a 10% IRS penalty.

An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

Western & Southern member companies and their agents do not offer legal or tax advice. For specific tax information, consult your attorney or tax advisor. The information provided is for educational purposes only. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.

Ready to Continue?

You have clicked a link to access information on a new website, so you will be leaving

Because this new site is independent, Western & Southern Financial Group neither manages nor assumes responsibility for its content. 

Are you ready to move forward?