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CONSERVATIVE FINANCIAL VEHICLES:
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Not All Are Equal for Older Clients
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Do you have older clients who would love to earn a fixed rate of 4.45%*
on their short-term money instead of rolling it into another conservative,
low-interest product, such as a CD?
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A JourneyMark 5 fixed indexed annuity,
available to ages 86–90, offers:
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| 4.45%* fixed interest rate. |
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| 10.62%** illustrated returns. |
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| 5-year surrender schedule. |
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| 5% annual penalty-free withdrawals after Year 1. |
| No hidden fees or charges. |
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| Interest crediting at death. |
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Security of an AM Best A+ rated carrier†
with a 96 out of 100 Comdex ranking.†† |
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See the power of JourneyMark 5 from Integrity Life Insurance Company,
a proud member of Western & Southern Financial Group.
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For more information, call the Legacy Marketing Group® Marketing Field Support Team,
800-395-1053, Ext. 4002, or your IMO.
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JourneyMark is issued by Integrity Life Insurance Company,
Cincinnati, OH, which operates in DC and all states except
NY. W&S Financial Group Distributors, Inc. (doing business as W&S Financial Insurance Services in CA) is an affiliated life
insurance agency of the issuer. All companies are members of Western & Southern Financial Group. For use with Modified
Single Premium Deferred Annuity Contract With Indexed Interest Options and Market Value Adjustment Feature series
ICC20 INT-17 2004, ICC20 IE.46 SI-MY-PTP 2004. Product and feature availability, as well as benefit provisions, vary by
state. JourneyMark products are designed and exclusively marketed by Legacy Marketing Group, an independent agency.
JourneyMark is a registered service mark of Legacy Marketing Group. Issuer has sole financial responsibility for its products.
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CDs and fixed indexed annuities have different objectives and risk tolerance levels. Unlike a CD, surrender charges may apply
to an annuity. Withdrawals and distributions from an annuity may be subject to income tax and, for some tax qualifications,
may be restricted. If withdrawals or distributions are taken from an annuity prior to age 59½, an additional 10% federal
income tax may apply. CDs are offered by banks and credit unions and are insured by the FDIC or NCUA. Annuities are
insurance products backed by the claims-paying ability of the insurance company and are not FDIC/NCUA insured. Clients
should thoroughly review all marketing materials, specimen contracts and riders, buyer's guides, and forms related to the
annuity for costs and important details. When deciding between a CD and a deferred indexed annuity, clients should take into
consideration their investment horizon.
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This information is not intended or written to be used as legal or tax advice. Clients should seek advice on legal and tax
questions from an independent attorney or tax advisor.
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Integrity Life Insurance Company ratings are correct as of May 17, 2024, and are subject to change. Ratings refer to the
claims-paying ability of the insurance company and do not reflect the performance or safety of any investment product. The
rating agencies listed are independent of each other and use proprietary evaluation criteria and rating scales.
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No bank guarantee. • Not a deposit. • May lose value. • Not FDIC/NCUA insured. • Not insured by any
federal government agency.
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| * |
Rate effective May 15, 2024, and subject to change.
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| ** |
Hypothetical example is based on 100% allocation to the Citi Flexi-Beta 5 Excess Return Index, 2-Year Point-to-Point with
262% participation rate over the last 10 calendar years. Rate effective May 15, 2024. Rates differ by product version and
can change for each index period. The minimum participation rate is 10%.
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| † |
AM Best—Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since
June 2009).
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| †† |
The Comdex Ranking—The Comdex Ranking is a composite of the financial strength ratings as determined by
Standard & Poor’s, Moody’s, AM Best, and Fitch ratings. It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in
an effort to reduce confusion over ratings because each rating agency uses a different scale.
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| WS1066v1023 |
FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
Rev. 05/24 |
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