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Fixed Indexed Annuity

JourneyMark 5

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.

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

44% participation on S&P 500

The five-year-surrender member of the JourneyMark fixed indexed annuity family from Integrity Life (Western & Southern Financial Group) — an accumulation-focused S&P 500 cap-rate chassis with a fixed-rate bucket, a five-year declining surrender ladder, and standard NH/TI/RMD waivers from the live feed.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a short-window fixed indexed annuity without an income rider, value an S&P 500 annual point-to-point cap as the headline rate, and prefer a five-year surrender commitment over the longer JourneyMark 7 or JourneyMark 10 surrender ladders on this carrier.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

44% participation rate

Fixed Account

Fixed Account

4.15% declared rate

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Shortest member of the JourneyMark family — five-year surrender period for buyers who want index-linked growth without committing principal to a seven- or ten-year lock-up, and the surrender ladder ends in the same year a typical MYGA-style guarantee period would.
  • S&P 500 annual point-to-point strategy on the menu, paired with a fixed-rate bucket — accumulation-focused growth on the most-recognized US large-cap index without an engineered-index detour.
  • Nursing-home, terminal-illness, and RMD surrender waivers visible on the live feed for unplanned-exit scenarios, sitting alongside an annual free-withdrawal allowance on top of the waived events.
  • 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 five-year contract — buyers who want a guaranteed-lifetime-withdrawal rider from this family are looking at JourneyMark 7 or JourneyMark 10 on this carrier, where the live feed does publish an Expanse Rider.
  • Five-year free-withdrawal allowance is on the modest side of the FIA market — confirm the annual percentage on the live feed matches the buyer's expected income or partial-withdrawal needs before relying on it.
  • The contract carries a market-value adjustment on early surrenders beyond the free-withdrawal allowance — the adjustment can either help or hurt the surrender proceeds depending on the interest-rate environment at the time of withdrawal.
  • There is no premium bonus and no death-benefit roll-up on this filing — the contract is built for fixed-window index-linked growth, not legacy enhancement or upfront premium credit.

Not ideal for

Buyers who want a guaranteed-lifetime-withdrawal rider on this filing (JourneyMark 7 or JourneyMark 10 are the rider-equipped members of this family), buyers in New York (the JourneyMark family excludes New York on the live feed), buyers who want a premium bonus, or buyers who want a death-benefit roll-up.

All crediting strategies

View rate listings (7 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: 172% · 1-yr

Citi Flexi-Beta 5 ER Index

Par: 157% · 1-yr

Goldman Sachs Mariner Index

Par: 44% · 1-yr

S&P 500 Index

Fixed: 4.15% · 1-yr

Fixed Account

Par: 247% · 2-yr

Citi Flexi-Beta 5 ER Index

Par: 210% · 2-yr

Goldman Sachs Mariner Index

Par: 235% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark

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

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

Death benefit

Standard Death Benefit

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

5%

Yr 2

4%

Yr 3

3%

Yr 4

2%

Yr 5

1%

After

0%

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

Documents

product guide

Journey-Mark.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 5 currently shows 7 indexed or fixed crediting options, 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: 44% participation
  • Fixed Account: 4.15% fixed

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
  • 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 Journey-Mark.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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