Integrity Life

4 Year Term
Apply now

company Information

Company Name

Integrity Life

product Name
MultiVantage 4
Integrity Life Insurance Company is part of the Western & Southern Family Group portfolio of companies. Integrity Life has offered innovative products since 1966. They design annuities that provide lifetime income you can count on. Integrity Life believes lifetime income is a key part of a successful retirement plan. They are based in Cincinnati, OH. Integrity Life does business through a wide range of banks, financial advisors and insurance agencies. They are licensed to sell products in all states except for NY.
am best rating
A+ Superior (2nd of 13 ratings)
Product Type
Product description

Fixed annuities are for conservative investors who want safety, security, and guarantees.

You will preserve your principal and earn a fixed rate of return.

You might hear fixed annuities also called CD-like annuities or multiple-year guarantee annuities (MYGA's).

If you are sensitive to loss and don't want to lose a penny, a fixed annuity might be a good fit for some of your savings.

Read our educational articles on fixed annuities to learn more.

Guaranteed Rate Lock Period:

The rate is locked for 10 days from the date of application. If the funds are received after that period the rate might be subject to change and will be the rate in effect at that time.

4 yrs
minimum investment
$ 20,000
maximum investment
$ 1,000,000
maximum age
withdrawal allowance
Throughout the life of the contract there is an opportunity each year to withdraw up to 10% of the contract value penalty-free.

Have a Question?

Schedule A Call

- or -

Apply Online

When You Are Ready

Apply now

*Please provide an investment amount before applying.

Guaranteed Returns

Choose an investment amount and we’ll show you how much you can earn.

Should be at least $20,000
The maximum investment is $1,000,000
The field is required.
15.05%$ ?$ ?$ ?
24.05%$ ?$ ?$ ?
34.05%$ ?$ ?$ ?
44.05%$ ?$ ?$ ?
Total$ ?$ ?$ ?

Enter an investment amount to calculate your earnings and account balance over the life of the contract.

Surrender Charge Schedule

Surrender charges are a penalty charged to early withdrawals of annuity contract. They are a percentage of the withdrawal amount, decrease over time, and go to zero when the term ends.

percentage charged to withdrawal

market-value adjustment (MVA)

A market value adjustment is basically an additional charge or credit for taking money out early from an annuity.

They allow companies to pay a higher rate and make longer-term investments.

MVAs only affect you if you withdraw funds early. If you own the contract to maturity, they do not apply.

other Information

moody’s ratingAa3 Excellent (4th of 21 ratings)
fitch ratingAA Very Strong (3rd of 21 ratings)
S&P ratingAA- Very Strong (4th of 21 ratings)
phone number(800) 325-8583
Product brochure
1.20 - 2.00%. We are paid from the insurance company general fund. It is not deducted from your account value. 100% of your money is working for you from day one. We could earn a higher commission based on sales volume and taking a more active role in the application process.
Rate Effective DateJuly 1st 2024
premium TypeSingle Premium Annuity
account TypePersonal, Traditional IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, 403(b).
Not available inNY, PR
options at

At the end of your contract term, you have to choose from the following options.

1. Withdrawal any amount free of charges and fees.
2. Choose 4, 5, 7, or 10 year guaranteed period with a new interest rate and new withdrawal charge period.
3. If you do nothing, the funds will transfer to the 1-year guarantee period with no withdrawal charge and a new interest rate. The annuity contract is assigned a guaranteed minimum rate of 1.00%

death benefit provisionIf you pass away before the end of your annuity contract, your beneficiaries will receive the accumulated policy value. This value will include all interest you have earned and be passed without any charges or fees.
taxesAnnuities typically grow tax-deferred. If you withdrawal money that has never been taxed, withdrawals are 100% taxable. Non-qualified withdrawals have been taxed already, so only interest is taxed. This is called an exclusion ratio. Interest would be taxed, but the principal would not. Please work with a qualified specialist.
surrender schedule
8%, 8%, 7%, 7%
free-look period10 Days
market value adjustmentYes
Apply now