| Product Summary |
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There is a 10 year rate guarantee period and a matching surrender charge period. The rate for years 2 through 10 is 75 basis points less than the first year rate.
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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 |
6 |
5 |
5 |
4 |
4 |
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| Contributions |
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| Max.: |
$1000,000 |
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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: |
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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Minimum guarantee varies from state to State. The ten year Mometum Advantage is not yet approved for sale in the state of Oregon. The four, five and seven year versions,however, have been approved.
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: |
4.25% |
| Includes first year bonus of: |
0.75% |
| Base Rate: |
3.50% |
| Length of rate guarantee: |
10 Yrs |
| Minimum guaranteed rate: |
2.00% |
| Average Yield: |
3.57% |
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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 $: |
83 |
| Owner non-qualified $: |
83 |
| Annuitant qualified $: |
83 |
| Annuitant non-qualified $: |
83 |
| Maturity Age: |
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| Owner/Annuitant Driven |
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Annuitant Driven |
| Mailing Address |
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Overnight Address:
Integrity New Business
400 Broadway
Cincinnati, OH 45202
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