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Integrity Life Insurance Company


MultiVantage 5


A MYGA with a 5-year fixed rate and a 5-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A+   Fitch:  AA   Moody's:  Aa3   Standard & Poor's:  AA  

Rates
The interest rate is guaranteed for 5 years
Surrender charges last 5 years
Last Rate Change: xx/xx/xxxx
Next Rate Change: xx/xx/xxxx
  Previous Rates
xx/xx/xxxx
Current Rates
xx/xx/xxxx
  RateBonus Yield to
Surrender
RateBonus Yield to
Surrender
Band 20,000+   ****   *****   *****   ****   *****   ***** 

State Specified Minimum Interest Rate: ****
Premium Bonus
- none -

Policy Notes

The @companyName@'s @annuityName@ is a single premium deferred annuity offering a robu --[ subscription required to view full text ]--
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**** **********
**** ******* **** ** ******** **** * ***** **** ******** **** ** @*********************@%, ********* ** * **** **** ** @********@% ***** ** ********** *** @*******************@ ***** *** ** ********** ***** **** ******** **** ***** ** @**************************@%. ***** **** ********* ******, *** ******** **** ******* ********** ******* ***** ***** ** *** ******* ******** *** ********-**** ***********. *** ******* ******** ** ******** * ********** ******* **** ** @*********@%; *** ******* **** **** ***** ** *** ***** **** ****. ******** ** ********** *** ******** *****.

***-************* *******
**** ******* *** ** *********** ** ** *** ** **** ***. **** ******* *** ** * ******** ****** *** ********* **** *****, ***(*), *** ** ***** ********* *****.

******* *******
****** *** ** *** ****** ****** *** *** ** *** ******* ********* ****** *** **** **** *** ****** **:
• ******** **** ******** *** ****** ***** *** *, *, *, *** **-**** ********* *******, ******* ** * *** ******* **** *** *** ********** ****** ******; **
• ******** **** ***** ******* ********* ******* ** ***.

** *** ** *** ****** * ******* ****** ** ******** **** ***** *** ******** **** ***** ************* **** *** *-**** **** *********.

Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Age Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation

During a guarantee period of more than one year, which is called a Guarante --[ subscription required to view full text ]--
****** * ********* ****** ** **** **** *** ****, ***** ** ****** * ********** **** ****** (***), ** *** ******* ** *********** ** ****** ** *** **** ********** ******. *** *** ******** *** ****** ** *** ****** ** *** ******** ***** ******* ******* *** **** *** *** *** ******** *** *** **** *** *** ** *******. *********, ** ******** ***** ********, *** *** ******* *** ********’* *****. ** *** ******** ***** ********, *** *** ********* *** ********’* *****. *** *** **** *** ****** ** * ***** ** **** **** *** ************ ******* ** *** ********* ** *** ******* ***, ***** *********** ***** ****** *** ******* *** (********* *** ********** ******, *** *** *********** *** ***), **** ******** ******** ** *** ********** ******* ******** ****. ********** ******* *** ****** **** ******. ** *** **** *** ***** ****** *** **** ** **** ** *** ***, ** ** *** ***** *******. ** ******* ** *** ******* ******* **** ** *** *********** ** *** ********** ****** *** *** *** ***** ******** *** ****** ******* ** *** ****** *******. *** ****** = *.** * [*-(*+*.****)] * */**; ***** * = **** ******** **** *** *** ******* ***; * = **** ******** **** ******* *** * ******** ** * *** **** ******* ** *** **** *** *** ** ******* **** *.**** (****** **** ** ********** *** ******* *** *** **** ** ********** *** **********, ********* *** *********** ***** ** *********** *** ******); * = ****** ** ***** ****** ********* ** *** ******* *** (** * < ** ******, * = **** ******** **** *** *** *-**** ********* ******).

Commissions
Effective date of commission schedule: 09/30/2012
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
MultiVantage 5
Up to age 75  
Initial Premium: ****
Ages 76-85  
Initial Premium: ****
Ages 86-89  
Initial Premium: ****

Related Information

Other Integrity Life Insurance Company Products

MYGA
MultiVantage 10
MultiVantage 4
MultiVantage 7
New Momentum 10
New Momentum 7
SPDA Series II 7
Fixed Annuity
New Momentum 5
New Momentum 6
New Momentum QIO
SPDA Series II 1
SPDA Series II 3
SPDA Series II 5
Fixed Indexed Annuity
Integrity IndextraTM 10
Integrity IndextraTM 10 - Two
Integrity IndextraTM 7
Integrity IndextraTM7 - Two
SPIA
Income Source
Variable Annuity
AnnuiChoice® II
Pinnacle V
VAROOM II

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