| Product Summary |
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All New Momentum rate guarantee option periods have first year 75 basis point bonuses. The Qtrly Interest Option(QI0) has an even higher first year bonus. It can be used in lieu of the regular first year rate and transfered to one of the regular guarantee option periods at any time during the first year at the prevailing base rate. The QIO may be adjusted on a quarterly basis. |
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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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45days 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 |
7 |
6 |
5 |
4 |
3 |
2 |
0 |
0 |
0 |
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| Contributions |
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| Max.: |
$1,000,000 |
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|
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| Min. NQ: |
$5,000 |
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TSA 403b: |
yes |
| Min. IRA: |
$2,000 |
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401(k): |
yes |
| Min. add.: |
$300 |
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| Add. Extend Surr.: |
yes |
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| All IRAs: |
yes |
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| Liquidity Features |
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| Annual Free WD: |
yes |
| 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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Surrender charges for Rate options 2, 3,5 and 7 years have seven year surrender periods. The ten year option has a ten year surrender charge period.The MVA doe not apply when the QIO is in effect.
The QIO can be used in anticipation of increasing rates.
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: |
4.50% |
| Includes first year bonus of: |
See Notes |
| Base Rate: |
See Notes |
| Length of rate guarantee: |
Varies |
| Minimum guaranteed rate: |
2.00% |
| Average Yield: |
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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, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY
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| Age Restrictions |
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| Owner qualified $: |
85 |
| Owner non-qualified $: |
85 |
| Annuitant qualified $: |
85 |
| Annuitant non-qualified $: |
85 |
| 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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