| Product Summary |
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This annuity has a 5 year rate guarantee and a matching surrender charge period. Years 2 through 5 are 75 basis points less that the first year. Funds may be transferred to other Guaranteed Rate Options(GRO)at the end of the 5 year guarantee period only. At that time additional renewal options of 1, 2, or 3 year periods are available |
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| Principal Guarantee* |
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| Principal Guarantee: |
no |
| MVA: |
yes |
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| Rate Lock Policy |
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45 days on transfers |
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| Surrender Schedule |
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| Year |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
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8 |
8 |
7 |
7 |
6 |
0 |
0 |
0 |
0 |
0 |
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| Contributions |
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| Max.: |
$1,000,000 |
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| Min. NQ: |
$20,000 |
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TSA 403b: |
yes |
| Min. IRA: |
$20,000 |
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401(k): |
yes |
| Min. add.: |
N/A |
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| Add. Extend Surr.: |
N/A |
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| All IRAs: |
yes |
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| Liquidity Features |
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| Annual Free WD: |
10% |
| Earnings: |
yes |
| Cumulative: |
no |
| Systematic: |
yes |
| Loan Provision: |
no |
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| Waivers |
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| Nursing Care: |
yes |
| Terminal: |
yes |
| Disability: |
no |
| Unemployment: |
yes |
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| Notes |
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During a 30 day window prior to the end of the initial rate guaranteed period one may renew for an additional rate guarantee period. This is one of few annuities that is AAA rated by S&P, has only a 5 year surrender charge period and guarantees the rates for all 5 years. This annuity is designed for a client that has a larger amount to invest.
Effective 03/16/2009, the minimum interest guarantee rate is 2%.
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| Company Ratings |
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| AM Best: |
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A++ |
| S&P: |
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AA+ |
| Moodys: |
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Aa2 |
| Fitchs: |
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AA+ |
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| Current Rates (effective 05/31/2010) |
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| Current first year rate: |
3.05% |
| Includes first year bonus of: |
0.75% |
| Base Rate: |
2.30% |
| Length of rate guarantee: |
5 Yrs |
| Minimum guaranteed rate: |
2.00% |
| Average Yield: |
2.45% |
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| State Approval |
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AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SD, TN, TX, VA, WI, WV, WY
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| Age Restrictions |
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| Owner qualified $: |
86 |
| Owner non-qualified $: |
86 |
| Annuitant qualified $: |
86 |
| Annuitant non-qualified $: |
86 |
| Maturity Age: |
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| Owner/Annuitant Driven |
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Annuitant |
| Mailing Address |
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Overnight Address:
Integrity New Business
400 Broadway
Cincinnati, OH 45202
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