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Indextra® Fixed Indexed Annuity: Choice & Potential Come Together

Do you seek confidence in the progress of your retirement savings efforts? Do you want to have a retirement income stream you can't outlive? How about both?

Indextra is a fixed indexed annuity. It earns interest based on a portion, if any, of changes in a market index, which measures how markets or parts of markets perform. This tax-deferred insurance product is designed both to protect its accumulated account value from losses due to negative changes in market indexes associated with the annuity and to guarantee an income you can't outlive for the period selected.

Indextra gives you both choice and potential in one insured vehicle that helps you prepare your path to the future.

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Benefits of Indextra Fixed Indexed Annuity

Financial security is a destination. Consider a path with Indextra.

  • Interest rates are based in part on positive changes in market indexes, but will never be less than zero - even if market indexes go down.
  • Once interest is credited, it can never be lost due to declines in market indexes associated with the annuity.
  • Four indexed interest options and one fixed interest option give you the ability to choose how your money is allocated.
  • Interest earnings grow tax-deferred until withdrawn. This usually happens when you retire and are likely to be in a lower income tax bracket.
  • Up to 10% of the account value may be withdrawn each index year without incurring a withdrawal charge.  
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Could This Be the Right Solution for You?

An indexed annuity may be the right fit for a variety of needs:

  • You desire the potential to earn interest that's partially determined by market indexes, with protection from loss due to negative returns.
  • You value options when it comes to allocating your funds.
  • You seek flexibility to allocate money to multiple allocation options, including an option where interest is determined in part by a proprietary index.
  • You want interest earnings to grow tax-deferred until you withdraw them.
  • You value death benefit protection.
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Product Details 

When your Indextra contract is issued, your premium earns the guaranteed minimum interest rate declared. On the sweep date (one to 22 days after issue), your account value will be allotted among the allocation options you specified.

The first crediting period begins on the sweep date and ends after the number of index years specific to the crediting period. The end of one crediting period marks the beginning of the next.

Any interest for the indexed interest options is credited to your account value at the end of a crediting period. No interest is credited on amounts withdrawn before the end of a crediting period. We guarantee the indexed interest rate will never be less than 0%, even if the market index goes down.

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Consider Indextra

Learn about our fixed indexed annuity, and determine if it's the best choice for your needs.


Learn More About Retirement

Get the facts about retirement, and learn how we can help make sure that you're prepared.


Draft Your Financial Game Plan

Remember three strong points about our company when you are drafting your financial game plan. 


Facts on Saving for Retirement

We can help you prepare for retirement.

45% of Americans have saved nothing for retirement. (The Motley Fool, 20 Retirement Stats That Will Blow You Away, Jan. 26, 2016.)

 56% of Americans have less than $10,000 saved for retirement. (GoBankingRates, March 2016,

Overall, Americans are losing an estimated $24 billion every year in matching employer 401(k) contributions. (CheatSheet, 10 Retirement Statistics That Will Scare the Crap Out of You, Dec. 25, 2016.)

55% of retirees stopped working earlier than expected. Health was the number one reason, followed by job loss. (CheatSheet, 10 Retirement Statistics That Will Scare the Crap Out of You, Dec. 25, 2016.)

36% of American adults over 65 are completely dependent on Social Security. (The Motley Fool, 20 Retirement Stats That Will Blow You Away, Jan. 26, 2016.)

The average out of pocket medical costs for a 65-year-old couple will be $218,000 over the next 20 years. (The Motley Fool, 20 Retirement Stats That Will Blow You Away, Jan. 26, 2016.)

1 year in a skilled nursing facility can cost more than $200,000. (The Motley Fool, 20 Retirement Stats That Will Blow You Away, Jan. 26, 2016.)

Many adults don’t save for retirement because they say saving for retirement is like saving for a stranger. (MarketWatch, “This is why most people don’t save for retirement,” Oct. 22, 2016)

Other reasons include

  • I don’t make enough money
  • My employer doesn’t offer a  401(k)
  • My employer doesn’t offer a 401(k) match so it’s not worth it
  • I don’t know how
  • Retirement is decades away
  • I’m saving for a house, car, or vacation

(The (Mostly) Simple Life: Practical Ways to Simplify Your Home, Life & Finances, Nov. 4, 2016,


But being unprepared can drastically impact an individual’s retirement in many ways.

Even a small amount put aside each week can help build retirement savings.

We can help you prepare for retirement. Start Now.

Western & Southern Financial Group

Western & Southern Life does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only.

©The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI.

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Draft Your Financial Game Plan

Draft Your Financial Game Plan With Us
Please see important information following this video. 

Hi, I am Cris Collinsworth and I am here to remind you of three strong points to keep in mind when you are drafting your financial game plan. 

First, financial strength is a key player.  The strength of Western and Sothern Financial Group speaks for itself.  Western and Southern has a heritage dating back to 1888, an impressive capital position, and stability demonstrated throughout challenging economic times.  

Second, is industry ratings.  The insurance companies that I am talking about are proud of their industry ratings, such as an A+ from A.M. Best and a remarkable 96 out of 100 Comdex ranking. 

Third, and just as important, is consistency.  Consistency that comes from steady deep-seeded conviction in our products and services. 

You just can’t beat this combination.

Western & Southern Financial Group

Products issued by member companies of Western & Southern Financial Group, Inc., Cincinnati, Ohio.

A.M. Best rating of A+ Superior for Superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009).

Comdex ranking of 96 out of 100.  The Comdex Ranking is a composite of the financial strength ratings as determined by Standard & Poor’s, Moody’s, A.M. Best, and Fitch ratings.  It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.

Ratings are subject to change from time to time.  The ratings shown here are correct as of 01/31/2017.

Major rating agencies issue public ratings on the member insurance companies affiliated with Western & Southern.  Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern.

Life insurance and annuity products are not bank products, are not a deposit, are not insured by the FDIC or any other federal entity, have no bank guarantee and may lose value.

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Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406 issued by Integrity Life Insurance Company. Product and feature availability, as well as benefit provisions, vary by state.

Integrity Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except NY.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, Integrity Life. Guarantees are based on the claims paying ability of the insurer. Products are backed by the full financial strength of Integrity.

Indextra is not a security. It does not participate in the stock market or any index. It is an insurance contract designed to help you address your long-term retirement income needs.

Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty.

Western & Southern member companies and their agents do not offer legal or tax advice. For specific tax information, consult your attorney or tax advisor. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

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