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Fixed Indexed Annuity

Indextra NY

Integrity Life Insurance Company

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7.75%

Best S&P 500 Annual Cap

10%

Free W/D

New York

Only state

Product data status: July 17, 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.

Model this product

See what Indextra NY 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
$285,876
Est. value at age 80 (Indextra NY)
7.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.5% 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 NY's published cap rate (7.5% 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.

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See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for Indextra NY

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.

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

7.75% 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 term5-year surrender$100,000+AdvisorWorld + 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 options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

New York only

Minimum premium

$15,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Cap Lock

6.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Cap Lock

6.25% cap rate

Annual cap

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Cap Lock

6% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

6.3% trigger rate

Performance trigger

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

6.3% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.45% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.2% declared rate

Fixed account

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.9% declared rate

Fixed account

10-year term · 10-year surrender · $100,000+

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 contract.
  • 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 contract (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.

Free Comparison Report

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See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (21 strategies)

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

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 6.5% · 1-yr

S&P 500 Index

Cap Lock · cap

5-yr surrender$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4.45% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Fixed: 4.2% · 5-yr

Fixed Account

fixed

5-yr surrender$100,000+

Trigger: 6.25% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 4.35% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Fixed: 4.1% · 5-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 6.3% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Cap: 6.25% · 1-yr

S&P 500 Index

Cap Lock · cap

7-yr surrender$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Fixed: 4% · 7-yr

Fixed Account

fixed

7-yr surrender$100,000+

Cap: 7.25% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 6.05% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Fixed: 4.2% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Fixed: 3.9% · 7-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Cap: 6% · 1-yr

S&P 500 Index

Cap Lock · cap

10-yr surrender$100,000+

Fixed: 3.9% · 10-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

Cap Lock · cap

10-yr surrenderUp to $99,999.99

Fixed: 3.8% · 10-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Indextra NY

● Can I lose money in Indextra NY?

A negative index return by itself does not reduce the contract's account value: Indextra NY 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.

● 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 10 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 NY's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Indextra NY 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

3.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

2.75%

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

100.00%

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%

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 18 distinct indexed or fixed crediting choices across 21 displayed rate entries, including S&P 500 Index. 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: 7.75% annual cap
  • S&P 500 Index: 6.5% annual cap
  • S&P 500 Index: 7.5% annual cap
  • S&P 500 Index: 6.25% annual cap

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

Free Comparison Report

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See how Indextra NY compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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