Payment of benefits under an 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. Single Premium Deferred Fixed Annuity Contract series INT 04-03, NIL 04-03, NIL 03-02-2 NY. SPDA Series II is issued by Integrity Life Insurance Company, Cincinnati, OH. NAIC number 74780 and National Integrity Life Insurance Company, White Plains, NY. NAIC number 75264. Integrity Life operates in DC and all states except NY where National Integrity Life operates. All are members of Western & Southern Financial Group. W&S Financial Group Distributors, Inc. (doing business in CA as W&S Financial Insurance Services) is an affiliated life insurance agency of the issuer. Issuer has sole financial responsibility for its products. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.
Annuity contracts have terms and limitations for keeping them in force. Please contact a financial representative for complete details. 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.
Earnings and pre-tax premium payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax.
Western & Southern member companies and their agents do not offer tax advice. For specific tax information, consult your attorney or tax advisor.
Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for availability, details, and limitations.
No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.
