MultiVantage
Integrity Life Insurance Company
4.0992%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Guaranteed rate for the lead term
4.1% guaranteed for 5 years
A multi-year guaranteed annuity from Integrity Life Insurance Company (Western & Southern Financial Group) — a multi-term rate menu on the live feed for the published lead term, an eight-year declining surrender ladder with a market-value adjustment, annual free-withdrawal allowance, and nursing-home, terminal-illness, and RMD waivers.
Best fit
Buyers who want a guaranteed-rate MYGA from an established carrier with a choice of rate-lock terms on a single surrender ladder, are comfortable with an eight-year surrender commitment, and value carrier financial-strength visibility across multiple rating agencies.
AM Best
A+ Superior
Surrender period
8 years
Free withdrawal
10%/yr
Availability
50 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Multi-term rate menu on the live feed offers four guarantee periods on a single eight-year surrender ladder — a buyer picks the rate-lock window that matches their planning horizon while the carrier holds the same surrender schedule across all options, paired with a market-value adjustment that can either help or hurt early-surrender proceeds depending on the rate environment.
- Annual free-withdrawal allowance plus nursing-home, terminal-illness, and required-minimum-distribution surrender waivers on the live feed — meaningful liquidity hooks for unplanned-exit scenarios on top of the scheduled annual allowance.
- Both single-life and joint-life annuitization options are available from the live feed for buyers who want to convert the contract to a lifetime income stream at the end of the guarantee period, rather than continue with the principal balance.
- 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
- Eight-year surrender ladder runs longer than the rate-lock term for most members of the live term menu — the headline guarantee period ends well before the surrender schedule does, so a buyer renewing into the post-guarantee rate is still inside the surrender window for several additional years before the schedule expires.
- The market-value adjustment can either add to or subtract from surrender proceeds in years one through eight — a rate-environment-dependent feature that introduces uncertainty into the exit value beyond the scheduled surrender charge.
- Posted rates on this page reflect a specific premium-band and issue-age scenario from the live feed; deposits in lower or higher bands, or for materially different issue ages, may earn a different guaranteed rate, so the headline does not apply universally.
- There is no premium bonus and no guaranteed-lifetime-withdrawal rider on this filing — the contract is built for rate certainty over a single fixed window, not for an upfront bonus credit or income-rider economics.
Not ideal for
Buyers who want a shorter surrender ladder (the eight-year schedule runs longer than most term options on this filing), buyers who want a market-value-adjustment-free surrender ladder, buyers who want a premium bonus or guaranteed-lifetime-withdrawal rider, or buyers who want indexed-strategy upside instead of a flat declared rate.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 4-Year | 3.75% |
| 5-Year | 4.0992% |
| 7-Year | 3.9423% |
| 10-Year | 4.0996% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
Yr 8
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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