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How Can You Make the Most of Your Retirement?

Take Advantage of Higher Growth Potential With a Variable Annuity

Retirement. Your retirement. What does it mean to you? And how do you plan to get there financially? A variable annuity can be an excellent addition to your retirement wealth-building strategy when used as designed.

With a variable annuity, you have added control over your investment dollars. You allocate your funds among a variety of investment options with objectives ranging from aggressive to conservative. We call these sub-accounts. Your investment returns are tied to the performance of the underlying investments of the sub-accounts. If you are willing to accept a higher rate of risk in return for higher growth potential, variable annuities may be an appealing strategy to reach your retirement goals.

Choose the Variable Annuity That's Right For You

The type of variable annuity you choose depends on your goals. The grid below can help you make the right choice based on how your needs match up with the features of each annuity.
Benefits AnnuiChoice® VAROOM®
Rollover Assets Accepted Consolidate and manage funds from IRAs and retirement plans in one place
Deferred Income Options Control the timing of your retirement income; qualified funds may require withdrawals
Guaranteed Lifetime Withdrawal Benefit Lock in a predictable, sustainable income benefit; added charge applies
ETF Subaccount Investments Select among subaccount options that invest in exchange traded funds
 
Guaranteed Rate Options Enjoy expanded investment flexibility via interest rates guaranteed for various periods
 
Five-Year Withdrawal Charge Period Gain access to funds free of withdrawal charges after five premium years; taxes and early withdrawal penalty may apply if under age 59 1/2
 
Enhanced Death Benefit Secure a benefit based on the highest of four measures; added charge applies
 
  Annuity Details Annuity Details
Guarantees are based on the claims-paying ability of the issuer.
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Why Variable Annuities From Us?

When you’re planning your retirement wealth-building strategy, you want variable annuity options from a company with a history of financial stability. Our solid financial ratings and a heritage of 130 years of financial strength have helped us become one of the strongest life insurance groups in the world. Let us help you make the most of your retirement with our securities products offered through W&S Brokerage Services, Inc. 
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There is no guarantee of the investment performance or safety of variable annuity investment options. Investment return and principal value of an investment in a variable annuity fluctuate, so units, when redeemed, may be worth more or less than their original cost.

Product issuer Integrity Life Insurance Company, Cincinnati, OH, operates in DC and all states except NY where National Integrity Life Insurance Company, Greenwich, NY, operates. Touchstone Securities, Inc., member FINRA / SIPC, serves as the principal underwriter for our variable annuity contracts. Securities offered through W&S Brokerage Services Inc., member FINRA / SIPC. All companies are members of Western & Southern Financial Group.

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 prospectus. Contact your Registered Representative to obtain a prospectus. Please read the prospectus carefully before investing.

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

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.

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.

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.

IMPORTANT DISCLOSURES

Flexible Premium Deferred Fixed and Variable Annuity contract series INT96 Rev. NIL 06-04, NIL 07-04 NY Cert and ICC10 INT-15 1011, ICC10 NIL-15 1011, NIL-15 1011 NY R issued by Integrity Life, Cincinnati, Ohio, which operates in DC and all states except NY, where National Integrity Life, Greenwich, New York, operates.

Annuity contracts have terms and limitations for keeping them in force.  Please contact a financial representative for complete details.

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