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Fixed Indexed Annuity

Indextra NY

Integrity Life Insurance Company

7%

Best Cap

10%

Free W/D

New York

Only state

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.

Best annual point-to-point cap on the S&P 500

7% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers in New York who want a fixed indexed annuity from a Western & Southern carrier, value an S&P 500 annual point-to-point growth strategy over engineered-index allocation, and are comfortable with a ten-year surrender commitment in exchange for the carrier headroom that comes with a longer lock-in window.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

New York only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

5.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.15% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.95% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Rate varies by premium band.

Product analyst notes

How to think about this contract

Why it can stand out

  • New-York-only filing of the Indextra chassis — sold exclusively in New York, with a New-York-specific surrender schedule and feature set, rather than a national filing that happens to be available in New York.
  • Annual point-to-point S&P 500 strategy on the menu, paired with a fixed-rate bucket and a trigger strategy — accumulation-focused growth choices on the most-recognized US large-cap index without the engineered-index allocation found on the non-NY sibling.
  • Ten-year surrender period gives the carrier room to credit higher caps than a shorter-window FIA — typical of an NY-segmented filing where the surrender ladder is longer than the five-year non-NY filing.
  • 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

  • No optional lifetime-income rider is filed on this NY contract on the live feed — buyers in New York who want an income-rider FIA from this carrier should not assume the non-NY Indextra rider menu transfers across; the rider is not available on this filing.
  • Ten-year surrender period is a long commitment — the published ladder runs the full ten years before the schedule expires, so an unplanned partial exit beyond the annual free-withdrawal allowance carries a charge over a longer window than the non-NY Indextra filing.
  • Surrender charges in the early years of the ten-year ladder are in the high single digits — the first few years of the ladder are not a short-term cash-equivalent window.
  • The non-NY Indextra filing has a five-year surrender ladder and an optional GLWB rider — different product mechanics — so a buyer comparing the two sibling filings should treat them as separate decisions, not the same contract sold in different states.

Not ideal for

Buyers outside New York (the non-NY Indextra filing is the contract sold in the other 49 states plus DC), buyers who want a contractually guaranteed lifetime-income rider on this filing (the rider is not available on the NY contract), buyers who want the engineered-index allocation choices on the non-NY sibling, or buyers who want a shorter five-year surrender window.

All crediting strategies

View rate listings (14 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.

Fixed: 3.95% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Fixed: 3.85% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Cap: 7% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

Cap Lock · cap

10-yr surrender$100,000+

Fixed: 4.15% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Fixed: 3.75% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 100% + Fixed: 6% · 1-yr

S&P 500 Index

$100,000+

Cap: 7% · 1-yr

S&P 500 Index

$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

Cap Lock

$100,000+

Fixed: 4.15% · 1-yr

Fixed Account

$100,000+

Fixed: 3.75% · 10-yr

Fixed Account

$100,000+

Fixed: 3.95% · 5-yr

Fixed Account

$100,000+

Fixed: 3.85% · 7-yr

Fixed Account

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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: 4.55%

Strategy guarantee

Minimum guaranteed declared rate: 4.30%

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%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

integrity-indextra.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 NY currently shows 7 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Index and Fixed Account. 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% cap
  • S&P 500 Index: 5.75% cap
  • S&P 500 Index: 100% participation

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
  • 10 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 integrity-indextra.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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