Integrity Life
A Cincinnati annuity issuer established in 1966 and a member of Western & Southern Financial Group - a mutual enterprise founded in 1888 - carrying an A+ (Superior) rating from AM Best across a current annuity lineup of JourneyMark and Indextra fixed indexed annuities and three declared-rate MYGAs.
Financial strength
A+
AM Best
AA-
S&P Global
AA
Fitch
Aa3
Moody's
95
Comdex
AM Best A+ (Superior)
Integrity Life carries an A+ (Superior) Financial Strength Rating from AM Best - the second-highest of thirteen categories.
Western & Southern member
A member of Western & Southern Financial Group, a mutual financial-services enterprise founded in 1888, since the group's 1999 acquisition of the Integrity companies.
AA-range group ratings
Alongside AM Best A+, the principal Western & Southern life subsidiaries carry AA- from S&P, AA from Fitch and Aa3 from Moody's, with a group Comdex ranking of 95.
JourneyMark & Indextra FIAs
The fixed indexed annuity lineup centers on the JourneyMark (5/7/10) and Indextra families, with strategies tied to the S&P 500 and volatility-controlled benchmarks.
MultiVantage & MYGA line
Declared-rate MYGAs - MultiVantage, New Momentum and SPDA Series II - round out Integrity Life's annuity lineup for buyers who want a fixed, guaranteed term.
Run live numbers on Integrity Life products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Indextra
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore Integrity Life products
Known Integrity Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Indextra NY
The New-York-only sibling filing of the Indextra chassis from Integrity Life (Western & Southern Financial Group) — an accumulation-focused fixed indexed annuity with an S&P 500 annual point-to-point cap and a fixed-rate bucket on a ten-year surrender ladder, with no optional income rider on this NY filing.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
JourneyMark 5
The five-year-surrender member of the JourneyMark fixed indexed annuity family from Integrity Life (Western & Southern Financial Group) — an accumulation-focused S&P 500 cap-rate chassis with a fixed-rate bucket, a five-year declining surrender ladder, and standard NH/TI/RMD waivers from the live feed.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Company overview
What Integrity Life is
Integrity Life Insurance Company, established in 1966 and headquartered in Cincinnati, Ohio, is a member of Western & Southern Financial Group focused on retirement accumulation, principal protection and lifetime income. It issues annuities in the District of Columbia and every state except New York.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
New York contracts are issued by the affiliate National Integrity Life Insurance Company (established 1968, White Plains, NY). Indextra NY and other New York-only filings are therefore National Integrity obligations, not Integrity Life obligations.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Buyers can compare JourneyMark Fixed Indexed Annuities and Indextra, along with SPDA Series II, in Integrity Life's annuity lineup.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Established
1966
Established in Cincinnati, Ohio; NAIC 74780. (Parent group traces to 1888.)
Established 1966 · AnnuityRatesHQ carrier research, June 2026
Parent group
Western & Southern
Member of Western & Southern Financial Group, Inc., a mutual financial-services enterprise; acquired the Integrity companies in 1999.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Group assets (parent)
$88.0B owned
Consolidated 2025 Western & Southern Financial Group figures: $88.0B assets owned ($132.5B owned and managed); $15.4B total equity. Parent-group scale, not Integrity Life statutory surplus.
FY 2025 (group) · W&S 2025 annual report
AM Best
A+ (Superior)
A+ Financial Strength Rating from AM Best; official W&S materials show ratings current as of June 8, 2026.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
History highlights
Integrity Life Insurance Company was established in 1966 as the non-New York annuity and life issuer, with Cincinnati, Ohio as its home office.
Established 1966 · AnnuityRatesHQ carrier research, June 2026
National Integrity Life Insurance Company, its New York affiliate, was established in 1968 to serve New York clients.
Established 1968 · AnnuityRatesHQ carrier research, June 2026
In 1999 Western & Southern acquired Integrity Life and National Integrity Life, bringing the Integrity companies into the Cincinnati mutual group.
Acquired 1999 · AnnuityRatesHQ carrier research, June 2026; Western & Southern company history
Most Western & Southern life subsidiaries have held an AM Best A+ rating since June 2009; the group reported record financial results in 2025, reinforcing parent-level capital and diversification.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; W&S 2025 annual report
An annuity issuer inside an 1888 Cincinnati mutual
Integrity Life was established in 1966 as the non-New York issuer, with National Integrity Life established in 1968 to serve New York. Western & Southern acquired both companies in 1999, bringing them into the current mutual-group structure as the group's dedicated annuity manufacturers.
Acquired 1999 · AnnuityRatesHQ carrier research, June 2026; Western & Southern company history
Western & Southern Financial Group, Inc. is a mutual financial-services parent founded in 1888 in Cincinnati. It provides capital and product-development resources - and the group reported roughly $88.0 billion in assets owned in 2025 (a group figure, not Integrity Life standalone) - while Integrity Life remains the legal carrier behind its non-New York contracts.
FY 2025 (group) · AnnuityRatesHQ carrier research, June 2026; W&S 2025 annual report
A parent rating, brand name, or distributor relationship does not change which company owes the contractual benefit. The issuing company for each contract is Integrity Life, National Integrity Life, or Western-Southern Life Assurance.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
A+
Superior financial-strength rating - the second-highest of thirteen AM Best categories.
Checked 2026-07-16
S&P Global
AA-
Very Strong financial-security characteristics (group rating for the principal Western & Southern life subsidiaries); official materials current as of June 8, 2026.
Checked 2026-07-16
Fitch
AA
Very Strong capacity to meet policyholder obligations (group rating); official materials current as of June 8, 2026.
Checked 2026-07-16
Moody's
Aa3
Excellent financial security (group rating); official materials current as of June 8, 2026.
Checked 2026-07-16
Comdex
95
Composite ranking out of 100 for the Western & Southern group, blending the four agency ratings; official materials current as of June 8, 2026.
Checked 2026-07-16
What makes Integrity Life different
A member of an 1888-founded mutual group
Integrity Life sits inside Western & Southern Financial Group, a mutual enterprise founded in 1888 with no public shareholders - a structure that emphasizes long-term capital strength over quarterly earnings.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Superior financial-strength profile
The principal Western & Southern life subsidiaries carry an A+ (Superior) rating from AM Best plus AA- (S&P), AA (Fitch) and Aa3 (Moody's), with a group Comdex ranking of 95 - a strong claims-paying profile across all four leading agencies.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; W&S financial-strength page
Issuer-first, multi-company structure
Similarly named products can be issued by Integrity Life, National Integrity Life, or Western-Southern Life Assurance depending on state and filing. Check the legal issuer shown for each product, especially for New York-only contracts.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Two FIA lanes plus a MYGA shelf
The live FIA story splits in two - the JourneyMark 5/7/10 accumulation chassis and the Indextra chassis with an optional GLWB rider for lifetime income - alongside the MultiVantage, New Momentum and SPDA Series II MYGAs. The broader official platform adds SPIA, DIA and variable annuities outside the eight-page inventory.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Integrity Life
Integrity Life Insurance Company, established in 1966 and headquartered in Cincinnati, Ohio, is a member of Western & Southern Financial Group, a mutual financial-services enterprise founded in 1888. It issues annuities everywhere except New York, where its affiliate National Integrity Life serves clients.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Integrity Life carries an A+ (Superior) rating from AM Best, with AA- from S&P, AA from Fitch, Aa3 from Moody's, and a group Comdex of 95 across the principal Western & Southern life subsidiaries. Its annuity lineup includes the JourneyMark and Indextra FIAs plus the MultiVantage, New Momentum, and SPDA Series II MYGAs.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; W&S financial-strength page
The current lineup includes eight Integrity-family FIA and MYGA products, not the entire official annuity shelf, which also includes IncomeSource immediate income, IncomeSource Select deferred income, and the AnnuiChoice, Pinnacle, and VAROOM variable annuities. Each listed product has its own current rates, caps, participation rates, and disclosures, including the New York-only Indextra NY contract.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Integrity Life's current rate report
Compare Integrity Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- W&S Financial Group Distributors - Integrity companies overview — 2026-07-16
- AnnuityRatesHQ carrier research - Integrity Life overview, established 1966 Cincinnati OH, Western & Southern member (acquired 1999), National Integrity Life NY affiliate (est. 1968), AM Best A+ — Checked 2026-07-16
- W&S financial-strength page - AM Best A+, S&P AA-, Fitch AA, Moody's Aa3, Comdex 95 (official materials current as of June 8, 2026) — Checked 2026-07-16
- W&S 2025 annual report - parent-group scale ($88.0B assets owned, $132.5B owned and managed, $15.4B equity) — FY 2025 (group)
- Live product catalog (JourneyMark 5/7/10, Indextra, Indextra NY FIAs; MultiVantage, New Momentum, SPDA Series II MYGAs), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026