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Fixed Indexed Annuity

JourneyMark 10

Integrity Life Insurance Company

5%

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

4.1% 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 feeRMD-friendly income ridersAdvisorWorld + 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

41% participation rate

Fixed Account

Fixed Account

3.9% declared rate

+ 5 volatility-controlled index options (Citi Flexi-Beta, Goldman Sachs...)

Lifetime Income Riders

Income rider

Expanse Rider - Payments

RMD friendly
Lifetime payout rate4.1% lifetime payout
Annual rider fee1% annual rider fee

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 filing 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.

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.

Par: 162% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

10-yr surrender

Par: 74% · 1-yr

Goldman Sachs Pathfinder Index

participation

10-yr surrender

Par: 41% · 1-yr

S&P 500 Index

participation

10-yr surrender

Fixed: 3.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 232% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

10-yr surrender

Par: 115% · 2-yr

Goldman Sachs Pathfinder Index

participation

10-yr surrender

Par: 222% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

10-yr surrender

Par: 162% · 1-yr

Citi Flexi-Beta 5 ER Index

Par: 74% · 1-yr

Goldman Sachs Pathfinder Index

Par: 41% · 1-yr

S&P 500 Index

Fixed: 3.9% · 1-yr

Fixed Account

Par: 232% · 2-yr

Citi Flexi-Beta 5 ER Index

Par: 115% · 2-yr

Goldman Sachs Pathfinder Index

Par: 222% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark

Income riders

Income rider

Expanse Rider - Level Payments

RMD friendly
Lifetime withdrawal rate4.1%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age45 — 80
Joint availabilityJoint life

GLWB

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.

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.50%

Strategy guarantee

Minimum guaranteed participation: 4.00%

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 7 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Index and Fixed Account, with 5 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: 41% participation
  • Fixed Account: 3.9% fixed

Income rider language

What to look for before treating the rider as income

Expanse Rider - Level Payments 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.

  • 4.1% withdrawal rate
  • 1% rider fee
  • 10 deferral years
  • RMD friendly
  • 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.

  • 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

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