Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Indextra would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$298,058
Est. value at age 80 (Indextra)
8.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Indextra's published cap rate (8.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.
Free Comparison Report
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See how Indextra compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Integrity Life Insurance Company product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
4% lifetime payout + 5% roll-up
A five-year fixed indexed annuity from Integrity Life (Western & Southern Financial Group) with an optional Indextra Series GLWB rider for guaranteed lifetime income, a multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes, and a shorter-than-typical surrender window for an income-rider FIA.
0.95% annual rider feeAdvisorWorld + CANNEX data
Best fit
Buyers who want a fixed indexed annuity with an optional lifetime-income rider available from day one, value carrier financial-strength visibility across multiple rating agencies, and prefer a five-year surrender window over the seven- or ten-year ladders common on income-led FIAs.
AM Best
A+ Superior
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Minimum premium
$15,000
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
8.25% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
6.75% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.25% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
6.75% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.25% cap rate
Annual cap
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
7% cap rate
Annual cap
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.8% trigger rate
Performance trigger
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.8% trigger rate
Performance trigger
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.9% trigger rate
Performance trigger
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.35% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.4% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.45% declared rate
Fixed account
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.25% declared rate
Fixed account
5-year term · 5-year surrender · Does not vary by premium
5-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
7-year term · 7-year surrender · Does not vary by premium
7-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4% declared rate
Fixed account
10-year term · 10-year surrender · Does not vary by premium
Optional Indextra Series GLWB rider for buyers who want a contractually guaranteed lifetime income stream on top of accumulation — and the rider is optional, so a buyer who only wants the index-crediting chassis can decline it and avoid the rider fee.
Multi-index growth menu pairs the S&P 500 with engineered volatility-controlled indexes from Goldman Sachs and J.P. Morgan, plus a fixed-rate bucket and a trigger strategy — broader allocation choice than a single-index FIA.
Five-year surrender period is short for an income-rider FIA — many income-led FIAs lock principal for seven or ten years before the schedule expires, so the early-exit charge schedule ends earlier on this contract.
Backed by Integrity Life Insurance Company, a Western & Southern Financial Group subsidiary, with carrier financial-strength views visible from multiple agencies on this page from the live feed.
What to confirm
The Indextra Series GLWB rider is optional but carries a published annual rider fee — review the fee against the rider's guaranteed lifetime withdrawal rate to confirm the net economics, since the fee compounds against the contract value while the rider is in force.
Indextra is not available in New York — buyers in New York are routed to the sibling Indextra NY filing on this carrier, which is a separate contract with a different surrender period and no income rider on this version.
The volatility-controlled engineered indexes on the strategy menu are not the same as a S&P 500 cap rate — participation rates on those indexes are not directly comparable to caps on plain index strategies, so a buyer comparing the accumulation menu against other FIAs needs to compare like-for-like crediting methods rather than mixing engineered-index participation rates with plain S&P 500 caps.
Surrender charges in years one and two of the five-year ladder are in the high single digits — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost in the first half of the contract.
Not ideal for
Buyers in New York (the sibling Indextra NY filing is the in-state contract), buyers who want a single-index S&P 500-only chassis without engineered-index complexity, buyers who want a longer ten-year surrender ladder for a more generous cap menu, or buyers who want a guaranteed-rate-only MYGA without any indexed-strategy crediting.
Free Comparison Report
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See how Indextra compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 125% · 1-yr
J.P. Morgan Strategic Balanced Index
participation
5-yr surrenderDoes not vary by premium
Trigger: 7.9% · 1-yr
S&P 500 Index
trigger
5-yr surrenderDoes not vary by premium
Cap: 7% · 1-yr
S&P 500 Index
Cap Lock · cap
5-yr surrenderDoes not vary by premium
Fixed: 4.45% · 1-yr
Fixed Account
fixed
5-yr surrenderDoes not vary by premium
Fixed: 4.25% · 5-yr
Fixed Account
fixed
5-yr surrenderDoes not vary by premium
Par: 145% · 1-yr
GS Momentum Builder Multi-Asset Class
participation
7-yr surrenderDoes not vary by premium
Par: 122% · 1-yr
J.P. Morgan Strategic Balanced Index
participation
7-yr surrenderDoes not vary by premium
Cap: 8.25% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Trigger: 7.8% · 1-yr
S&P 500 Index
trigger
7-yr surrenderDoes not vary by premium
Cap: 6.75% · 1-yr
S&P 500 Index
Cap Lock · cap
7-yr surrenderDoes not vary by premium
Fixed: 4.35% · 1-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Par: 215% · 2-yr
GS Momentum Builder Multi-Asset Class
participation
7-yr surrenderDoes not vary by premium
Par: 175% · 2-yr
J.P. Morgan Strategic Balanced Index
participation
7-yr surrenderDoes not vary by premium
Par: 285% · 3-yr
GS Momentum Builder Multi-Asset Class
participation
7-yr surrenderDoes not vary by premium
Par: 212% · 3-yr
J.P. Morgan Strategic Balanced Index
participation
7-yr surrenderDoes not vary by premium
Fixed: 4% · 7-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Par: 150% · 1-yr
GS Momentum Builder Multi-Asset Class
participation
10-yr surrenderDoes not vary by premium
Fixed: 4.4% · 1-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Fixed: 4% · 10-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Par: 177% · 2-yr
J.P. Morgan Strategic Balanced Index
participation
10-yr surrenderDoes not vary by premium
Par: 290% · 3-yr
GS Momentum Builder Multi-Asset Class
participation
10-yr surrenderDoes not vary by premium
Par: 217% · 3-yr
J.P. Morgan Strategic Balanced Index
participation
10-yr surrenderDoes not vary by premium
Income riders
Income rider
Indextra Series GLWB
Lifetime withdrawal rate4%
Annual rider fee0.95%
Guaranteed roll-up5%/yr
Deferral assumed10 years
GLWB
Common questions about Indextra
● Can I lose money in Indextra?
A negative index return by itself does not reduce the contract's account value: Indextra credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● Is the Indextra Series GLWB income rider worth the 0.95% fee?
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5% roll-up and 4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Indextra's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current Indextra strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.50%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
1.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Documents
product guide
Indextra-Product-Brochure.pdf
Confidence: highReviewed Apr 8, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA+
S&PAA
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Indextra currently shows 21 distinct indexed or fixed crediting choices across 22 displayed rate entries, including S&P 500 Index, with 11 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 8.25% annual cap
S&P 500 Index: 6.75% annual cap
S&P 500 Index: 7% annual cap
S&P 500 Index: 100% annual participation rate
Income rider language
What to look for before treating the rider as income
Indextra Series GLWB is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
4% withdrawal rate
0.95% rider fee
10 deferral years
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
5 surrender years
Nursing home waiver
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as Indextra-Product-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get an Indextra rate report
See how Indextra compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.