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AnnuiChoice® Flexible Premium Variable Annuity

Many people plan for the basics and forget the extras that add to the quality of retirement life. Maybe you’d like to be able to afford to travel more, finance delayed home improvements or buy a new piano to start your own jazz trio. More than half of your retirement income will likely come from your pension and retirement savings plans, as well as your personal resources. So how can you be sure you’ll have what you’ll need over time?

Our AnnuiChoice Variable Annuity can help in your retirement journey. A long-term financial vehicle designed for retirement purposes, AnnuiChoice can be an excellent addition to your retirement wealth-building strategy. With AnnuiChoice, your contributions are invested in variable account options. You can allocate your contributions among a variety of investment options called subaccounts. Depending on your risk tolerance level, you can choose your investment objective, ranging from aggressive to conservative. Your return is tied to the performance of the underlying investments of the subaccounts. If you are comfortable accepting a higher level of risk in return for greater growth potential, an AnnuiChoice Variable Annuity may be an attractive option to consider.

Benefits of AnnuiChoice Variable Annuity

As a tax-deferred variable annuity, AnnuiChoice can help strengthen your financial confidence about retirement. AnnuiChoice offers you investment flexibility, responsive features and versatile benefits:

  • Growth potential that accompanies investing among a variety of subaccounts in one convenient vehicle
  • Professional money management guiding your underlying investments of the subaccounts
  • Retirement income options for you that can last a lifetime
  • Ability to withdraw up to 10 percent of your account value annually without a charge
  • Tax-deferred annuity assets that compound faster than currently taxed alternatives growing at the same rate (Earnings and pretax premium payment are subject to income tax at withdrawal and withdrawals prior to age 59 1/2 are generally subject to a 10% IRS penalty tax.)
  • A death benefit to help protect the future well-being of your loved ones
  • Initial contributions between $10,000 and $1 million ($500,000 maximum for ages 76-85) with additional contributions of $100 or more accepted
  • Available to owner and annuitant issue ages 18 to 85
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Could This Flexible Premium Variable Annuity Be Right for You?

The steps you take now to prepare and save for your journey to retirement will have a tremendous impact on your future financial security. AnnuiChoice may be a good choice for you if:

  • You are busy with work and family and lack the time, resources or background to manage your investments with confidence. You seek strategies offering professional management of their underlying investment options.
  • You hope to retire sometime with the next 10 years or so. You still seek growth in your retirement savings, but your tolerance for risk is decreasing. You may desire the certainty of knowing a portion of your retirement assets can be allocated to an account crediting a guaranteed interest rate.
  • You are concerned about possibly outliving your retirement assets. You desire retirement income options that offer the confidence of lifetime income guarantees.
  • You just celebrated the birth of your first child. As a new parent, you expect your financial circumstances and needs to change over time. You seek flexibility in your investment options and contribution amounts and timing.

Details About This Variable Annuity

When you're striving to achieve important savings goals, you want all available options on your side. You may lack the time or expertise to manage your own investment portfolio with confidence. No need to worry. AnnuiChoice provides you with professional money managers operating within dedicated areas of concentration.

In addition to a standard death benefit, AnnuiChoice features an optional death benefit available at issue, provided you are not over 70, for an additional annual charge. Your enhanced death benefit offers the greater of either the highest account value on any contract anniversary (prior to your 76th birthday), plus subsequent contributions, minus subsequent partial withdrawals, or the standard death benefit.

Guaranteed Lifetime Income Advantage (GLIA) and Guaranteed Lifetime Income Advantage Plus (GLIA Plus) are optional Guaranteed Lifetime Withdrawal Benefit (GLWB) riders available to you at issue for an additional charge. They can provide predictable, sustainable income for life while still allowing you to maintain a measure of control over your assets in AnnuiChoice. When your withdrawals are limited to the benefit's lifetime payout amount, that income is protected from market losses. 

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Consider AnnuiChoice

Learn about our variable annuity, and determine how it may help address your retirement planning needs.


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Give us a call 877-452-4597 877-452-4597

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.


Flexible Premium Deferred Fixed and Variable Annuity Contract series INT96 Rev. NIL 06-04, NIL 07-04 NY Cert and 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.

Product and feature availability, as well as benefit provisions, vary by state.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing 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. 

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