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fixed annuities

Multi-Year Guarantee Annuity Details

Product Name

MultiVantage 4

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

A+
(2nd of 15 ratings)
AA-
(4th of 20 ratings)
Aa3
(4th of 21 ratings)
AA
(3rd of 21 ratings)
96
(percentile of rated companies)

Product Information

The MultiVantage 4 is a deferred multi-year guarantee annuity issued by Integrity Life Insurance Company.

The current 4 year guarantee period annual yield is 4.40% (see Rate Details below). This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The MultiVantage 4 has a full penalty free withdrawal window after 4 years.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning with the first contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

Integrity Life Insurance Company is rated “A+” by A.M. Best, was founded in 1966, and has over $7.8 billion in total assets.

Rate Details

Dec 1st, 2022
Not Scheduled
4 years

Premium Amount: $20,000 - See Notes

Current
4 Year Guarantee Period Annual Yield: 4.40%
Interest rate start of year 1 through end of year 1: 5.15%
Interest rate start of year 2 through end of year 4: 4.15%

Initial Surrender Charge and MVA Periods

4 years

4 years

4 years

State variations may exist, refer to product disclosure for details.

Other Guarantee Periods Available

Policy Details

$20,000
$20,000
See Notes
See Notes
89
89
60 days
Yes
Accumulation Value
No

Penalty Free Withdrawal Provisions

10%
10%
No
Yes
Confinement, Death and Limited Life Expectancy

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  NY (as of 10/01/2022)

For CA: No Confinement or Limited Life Expectancy Penalty Waivers.

Notes

Max Premium:
$1,000,000 – issue ages 18-75
$750,000 – issue ages 76-89
Premiums in excess of maximum require prior company approval.