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Fixed Indexed Annuity

JourneyMark 7

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 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 feeRMD-friendly income ridersAdvisorWorld + 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

52% participation rate

Fixed Account

Fixed Account

4.95% 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 — 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 filing 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.

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: 202% · 1-yr

Citi Flexi-Beta 5 ER Index

participation

7-yr surrender

Par: 187% · 1-yr

Goldman Sachs Mariner Index

participation

7-yr surrender

Par: 52% · 1-yr

S&P 500 Index

participation

7-yr surrender

Fixed: 4.95% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 290% · 2-yr

Citi Flexi-Beta 5 ER Index

participation

7-yr surrender

Par: 247% · 2-yr

Goldman Sachs Mariner Index

participation

7-yr surrender

Par: 267% · 5-yr

Citi Flexi-Beta 5 ER Index

5-Year High Water Mark · participation

7-yr surrender

Par: 202% · 1-yr

Citi Flexi-Beta 5 ER Index

Par: 187% · 1-yr

Goldman Sachs Mariner Index

Par: 52% · 1-yr

S&P 500 Index

Fixed: 4.95% · 1-yr

Fixed Account

Par: 290% · 2-yr

Citi Flexi-Beta 5 ER Index

Par: 247% · 2-yr

Goldman Sachs Mariner Index

Par: 267% · 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

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%

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 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: 52% participation
  • Fixed Account: 4.95% 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
  • 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

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