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Fixed Indexed Annuity

JourneyMark 5

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 5 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
$248,356
Est. value at age 80 (JourneyMark 5)
1
Broad-market strategy
Citi Flexi-Beta 5 ER Index — 252% Participation (Point-to-point · 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 5's published participation rate (252% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how JourneyMark 5 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 5

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

46% 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 termDoes not vary by premiumAdvisorWorld + 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)

Minimum premium

$10,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

46% participation rate

Annual point-to-point

1-year term · Surrender term not shown · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

1-year term · Surrender term not shown · Does not vary by premium

+ 5 additional crediting 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 contract — 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 contract (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.

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See how JourneyMark 5 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 (7 strategies)

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

Par: 175% · 1-yr

Citi Flexi-Beta 5 ER Index

Point-to-point

Does not vary by premium

Par: 162% · 1-yr

Goldman Sachs Mariner Index

Point-to-point

Does not vary by premium

Par: 46% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

Fixed account

Does not vary by premium

Par: 252% · 2-yr

Citi Flexi-Beta 5 ER Index

Point-to-point

Does not vary by premium

Par: 220% · 2-yr

Goldman Sachs Mariner Index

Point-to-point

Does not vary by premium

Par: 245% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · Point-to-point

Does not vary by premium

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 JourneyMark 5

● Can I lose money in JourneyMark 5?

A negative index return by itself does not reduce the contract's account value: JourneyMark 5 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.

● 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 5 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 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current JourneyMark 5 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

Death benefit

Standard Death Benefit

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

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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 46% annual point-to-point participation rate
  • Fixed Account: 4.25% fixed account rate

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

Free Comparison Report

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See how JourneyMark 5 compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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