JourneyMark GMIR and Nonforfeiture Rate Changing

Need-to-know information critical to your business.

December 9, 2024

JourneyMark® GMIR and Nonforfeiture Rate Changing 1/1/2025

The guaranteed minimum interest rate (GMIR) for the Fixed Interest Option will change to 2.50%, and the nonforfeiture rate for the contractual guarantee will change to 2.40% on JourneyMark fixed indexed annuity products in all states, effective with applications signed on and after Wednesday, January 1, 2025.

Applications signed before January 1, 2025, will receive the current 2.75% GMIR and 2.70% nonforfeiture rate.

Integrity Mailing Address:
PO Box 5720
Cincinnati, OH 45201-5720

Integrity Overnight Address:
400 Broadway
Cincinnati, OH 45202-3341

FireLight®
E-mail: salessupport@wsfinancialgroup.com
Fax: 888-220-2677

In addition to multiple product strategies—accumulation made simple, accumulation with guarantees, accumulation with added benefits, and expanded market opportunities—JourneyMark’s strong consumer value includes:

	•	Backing of a carrier with an A+ AM Best rating* and a 96 Comdex ranking.**
	•	Availability for older clients, ages 86–90, with a five-year duration.
	•	An income doubler benefit for declining health, with no state exclusions.†

Run an illustration, and see for yourself!

For sales tips and more information, call the Legacy Marketing Group® Marketing Field Support Team at 800-395-1053, Ext. 4002.

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 IR.39 GLWB 2004, ICC20 IR.40 ELG 2004, ICC20 IR.41 AB 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.

Integrity Life Insurance Company ratings are correct as of November 25, 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.

*	AM Best—Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009).
**	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.
†	JourneyMark is not available in New York.

No bank guarantee. • Not a deposit. • May lose value. • Not FDIC/NCUA insured. • Not insured by any federal government agency.

WS1068v1124

FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS.