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Fixed Indexed Annuity

JourneyMark 7

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 7 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
$289,432
Est. value at age 80 (JourneyMark 7)
3
Broad-market strategies
Citi Flexi-Beta 5 ER Index — 297% 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 7's published participation rate (297% 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.

Free Comparison Report

Get a JourneyMark 7 rate report

See how JourneyMark 7 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 7

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 seven-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 multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes, and a middle-length seven-year surrender ladder.

1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want a fixed indexed annuity with an optional lifetime-income rider and the choice between a level-payment or an increasing-payment income structure, value carrier financial-strength visibility across multiple rating agencies, and prefer a seven-year surrender window over the shorter five-year or longer ten-year siblings on this carrier.

AM Best

A+ Superior

Surrender period

7 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

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

54% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

5.05% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-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 — so a buyer can pick a higher fixed starting payout or a smaller starting payout designed to step up over time.
  • Seven-year surrender period is the middle option in the JourneyMark family — longer than JourneyMark 5 for higher headline crediting, shorter than JourneyMark 10 if the buyer is not comfortable with a ten-year lock-up.
  • 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.
  • 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

  • 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.
  • JourneyMark 7 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.
  • The volatility-controlled engineered indexes on the strategy menu are not the same as a S&P 500 cap rate — participation rates on those indexes are not directly comparable to caps on plain index strategies, so a buyer comparing the accumulation menu against other FIAs needs to compare like-for-like crediting methods rather than mixing engineered-index participation rates with plain S&P 500 caps.
  • Surrender charges in the early years of the seven-year ladder are in the high single digits — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost in the first half of the contract.

Not ideal for

Buyers in New York (this contract excludes New York on the live feed), buyers who want a shorter five-year surrender window (JourneyMark 5 is the short-term sibling), buyers who want the ten-year surrender ladder with a premium bonus (JourneyMark 10 carries that), or buyers who want a guaranteed-rate-only MYGA without any indexed-strategy crediting.

Free Comparison Report

Get a JourneyMark 7 rate report

See how JourneyMark 7 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: 175% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 162% · 1-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 46% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 162% · 1-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 46% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 207% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 54% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Fixed: 5.05% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 252% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 220% · 2-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 252% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 220% · 2-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 297% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 257% · 2-yr

Goldman Sachs Mariner Index

participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 245% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 245% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)7-yr surrenderDoes not vary by premium

Par: 277% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

Selected state rate set (TX)7-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 7

● Can I lose money in JourneyMark 7?

A negative index return by itself does not reduce the contract's account value: JourneyMark 7 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 7 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 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current JourneyMark 7 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

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%

After

0%

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

Documents

product guide

Journey-Mark-2.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 7 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: 46% annual participation rate
  • S&P 500 Index: 54% annual participation rate
  • Fixed Account: 4.25% fixed account rate
  • Fixed Account: 5.05% 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
  • 7 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-2.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 7 rate report

See how JourneyMark 7 compares for your age, state, premium, and income goals alongside other Integrity Life Insurance Company fixed indexed annuity options.

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