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Fixed Indexed Annuity

Indextra

Integrity Life Insurance Company

7.5%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

4% lifetime payout

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 period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.5% cap rate

S&P 500

S&P 500 Index

6.75% cap rate

S&P 500

S&P 500 Index

100% participation rate + 7.25% declared rate

Fixed Account

Fixed Account

4.3% declared rate

Fixed Account

Fixed Account

4.1% declared rate

Fixed Account

Fixed Account

3.9% declared rate

Fixed Account

Fixed Account

3.9% declared rate

+ 6 volatility-controlled index options (GS Momentum, J.P. Morgan...)

Lifetime Income Riders

Income rider

Indextra Series GLWB

Lifetime payout rate4% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • 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.

All crediting strategies

View rate listings (26 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 145% · 1-yr

GS Momentum Builder Multi-Asset Class

participation

5-yr surrender

Par: 120% · 1-yr

J.P. Morgan Strategic Balanced Index

participation

5-yr surrender

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

trigger

5-yr surrender

Cap: 7.5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

Cap Lock · cap

5-yr surrender

Fixed: 4.3% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

participation

5-yr surrender

Par: 167% · 2-yr

J.P. Morgan Strategic Balanced Index

participation

5-yr surrender

Fixed: 4.1% · 5-yr

Fixed Account

fixed

5-yr surrender

Par: 275% · 3-yr

GS Momentum Builder Multi-Asset Class

participation

7-yr surrender

Par: 202% · 3-yr

J.P. Morgan Strategic Balanced Index

participation

7-yr surrender

Fixed: 3.9% · 7-yr

Fixed Account

fixed

7-yr surrender

Fixed: 3.9% · 10-yr

Fixed Account

fixed

10-yr surrender

Par: 145% · 1-yr

GS Momentum Builder Multi-Asset Class

Par: 120% · 1-yr

J.P. Morgan Strategic Balanced Index

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

Cap: 7.5% · 1-yr

S&P 500 Index

Cap: 6.75% · 1-yr

S&P 500 Index

Cap Lock

Fixed: 4.3% · 1-yr

Fixed Account

Fixed: 3.9% · 10-yr

Fixed Account

Par: 210% · 2-yr

GS Momentum Builder Multi-Asset Class

Par: 167% · 2-yr

J.P. Morgan Strategic Balanced Index

Par: 275% · 3-yr

GS Momentum Builder Multi-Asset Class

Par: 202% · 3-yr

J.P. Morgan Strategic Balanced Index

Fixed: 4.1% · 5-yr

Fixed Account

Fixed: 3.9% · 7-yr

Fixed Account

Income riders

Income rider

Indextra Series GLWB

Lifetime withdrawal rate4%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age60 — 120
Joint availabilityJoint life

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.50%

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 13 distinct indexed or fixed crediting choices across 26 current rate listings, including S&P 500 Index and Fixed Account, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.5% cap
  • S&P 500 Index: 6.75% cap
  • S&P 500 Index: 100% participation

Income rider language

What to look for before treating the rider as income

Indextra Series GLWB is the main income-rider entry returned 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
  • Joint life availability

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

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