| Product Summary |
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There is a 4 year rate guarantee and a matching surrender charge period. Years 2 through 4 are 75 basis points less that the first year. Funds may be transferred to other Guaranteed Rate Options (GRO)at the end of the 4 year guarantee period only. At that time additional renewal options of 1, 2, or 3 year period 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 |
0 |
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.
Effective 03/16/2009, the minimum interest rate guarantee 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: |
2.75% |
| Includes first year bonus of: |
0.75% |
| Base Rate: |
2.00% |
| Length of rate guarantee: |
4 Yrs |
| Minimum guaranteed rate: |
2.00% |
| Average Yield: |
2.18% |
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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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