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How Can You Make the Most of Your Retirement?

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.

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

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.

IMPORTANT DISCLOSURES

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., an affiliate of Integrity Life, serves as the principal underwriter for AnnuiChoice and VAROOM variable annuity contracts.

Securities offered through W&S Brokerage Services, Inc., member FINRA/SIPC. All companies are members of Western & Southern Financial Group.

Flexible Premium Deferred Fixed and Variable Annuity contract series INT96, NIL 06-04, NIL 07-04 NY Cert, ICC10 INT-15 1011, ICC10 NIL-15 1011, NIL-15 1011 NY R, Guaranteed 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, ICC10 IR.32 1011, ICC10 IR.33 1011, ICC10 NR.32 1011, NR.32 1011 NY, ICC10 NR.33 1011, NR.33 1011 NY

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 wsfinancialpartners.com. Please read the prospectuses carefully before investing.

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 pretax 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.

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