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Fixed Indexed Annuity

JourneyMark 10

Integrity Life Insurance Company

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5%

Free W/D

50

Available jurisdictions

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 JourneyMark 10 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
$292,999
Est. value at age 80 (JourneyMark 10)
6.5%
Premium bonus offered
Citi Flexi-Beta 5 ER Index — 282% Participation (2-yr point-to-point)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies JourneyMark 10's published participation rate (282% on Citi Flexi-Beta 5 ER Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $6,500 premium bonus (6.5%) = $106,500. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

Free Comparison Report

Get a JourneyMark 10 rate report

See how JourneyMark 10 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 JourneyMark 10

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

3.2% lifetime payout

The ten-year-surrender member of the JourneyMark fixed indexed annuity family from Integrity Life (Western & Southern Financial Group) with an optional Expanse Rider in level- and increasing-payment variants, a premium bonus on a multi-year vesting schedule, and a multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes.

1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want a fixed indexed annuity with an optional lifetime-income rider, value a premium bonus credited at issue, and are comfortable with a ten-year surrender commitment in exchange for the bonus and the headroom that comes with a longer lock-in window.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$10,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

51% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

43% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.8% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

+ 10 additional crediting options (Citi Flexi-Beta, Goldman Sachs...)

Lifetime Income Riders

Income rider

Expanse Rider - Payments

Lifetime payout rate3.2% lifetime payout
Annual rider fee1% annual rider fee
Interest multiplier2x interest multiplier

Income rider

Expanse Rider - Increasing Payments

Lifetime payout rate2.75% lifetime payout
Annual rider fee1% annual rider fee
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Optional Expanse Rider available in two variants on the live feed — a level-payments version and an increasing-payments version — for buyers choosing between a higher fixed starting payout or a smaller starting payout designed to step up over time.
  • Premium bonus is filed on this ten-year contract on the live feed — additional credit applied to the contract value at issue, on top of the index-linked or fixed-rate strategy crediting, with a vesting schedule that runs alongside the surrender ladder.
  • Longest member of the JourneyMark family — the ten-year surrender period gives the carrier room to credit higher caps and a premium bonus that a shorter-window FIA in the same family does not carry.
  • Multi-index growth menu pairs the S&P 500 with engineered volatility-controlled indexes from Goldman Sachs and Citi — broader allocation choice than a single-index FIA, sitting alongside a fixed-rate bucket and backed by Integrity Life (Western & Southern Financial Group).

What to confirm

  • The Expanse Rider carries a published annual fee on the live feed — review the fee against the rider's guaranteed lifetime withdrawal rate, since the fee compounds against the contract value while the rider is in force.
  • The premium bonus has a multi-year vesting schedule — surrendering or fully exiting the contract before the bonus is fully vested forfeits the unvested portion, so the bonus is an income- and full-term-hold incentive, not a free upfront credit.
  • 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 JourneyMark 5 or JourneyMark 7.
  • JourneyMark 10 is not available in New York on the live feed — buyers in New York are looking at a different filing in this carrier's catalog, not this contract.

Not ideal for

Buyers in New York (this contract excludes New York on the live feed), buyers who want a short-window FIA without a bonus-and-surrender lock-up (JourneyMark 5 is the five-year sibling), buyers who want a middle-length seven-year surrender ladder (JourneyMark 7), or buyers who want a guaranteed-rate-only MYGA without any indexed-strategy crediting.

Free Comparison Report

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See how JourneyMark 10 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, state rate set, or rate type.

Par: 197% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 51% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 4.8% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 76% · 1-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 43% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 76% · 1-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 43% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 282% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 148% · 2-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 237% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 237% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

Goldman Sachs Pathfinder Index

participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 262% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 230% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Par: 230% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)10-yr surrenderDoes not vary by premium

Income riders

Income rider

Expanse Rider - Level Payments

Lifetime withdrawal rate3.2%
Annual rider fee1%
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Income rider

Expanse Rider - Increasing Payments

Lifetime withdrawal rate2.75%
Annual rider fee1%
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Common questions about JourneyMark 10

● Can I lose money in JourneyMark 10?

A negative index return by itself does not reduce the contract's account value: JourneyMark 10 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 5% 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 Expanse Rider - Level Payments income rider worth the 1% 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 3.2% 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 5% 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 JourneyMark 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current JourneyMark 10 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

5%/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

Premium bonus

6.5%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Expanse Rider Enhanced DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

2.50%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

4.00%

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

9%

Yr 3

8.25%

Yr 4

7.25%

Yr 5

6.25%

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

advisor sheet

QRS20251115.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

JourneyMark 10 currently shows 14 distinct indexed or fixed crediting choices across 21 displayed rate entries, including S&P 500 Index and Fixed Account, with 10 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: 51% annual participation rate
  • S&P 500 Index: 43% annual participation rate
  • Fixed Account: 4.8% fixed account rate
  • Fixed Account: 4% fixed account rate

Income rider language

What to look for before treating the rider as income

Expanse Rider - Level Payments 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.

  • 3.2% withdrawal rate
  • 1% 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.

  • 5%/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 QRS20251115.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 a JourneyMark 10 rate report

See how JourneyMark 10 compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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