New Momentum
Integrity Life Insurance Company
4.0996%
5-yr guarantee
10%
Free W/D
51
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, a seven-year declining surrender ladder with a market-value adjustment, annual free-withdrawal allowance, and an expanded NH/TI/RMD/unemployment waiver set on the live feed.
Best fit
Buyers who want a guaranteed-rate MYGA from an established carrier with a multi-term rate menu on a middle-length surrender ladder and a broader surrender-waiver set than the standard NH/TI/RMD-only menu, who do not live in California, Oregon, or Washington, and who value carrier financial-strength visibility across multiple rating agencies.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Availability
51 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Multi-term rate menu on the live feed pairs the headline lead-term rate with longer six-, seven-, and ten-year rate-lock options on a single seven-year surrender ladder — the middle-length surrender option in the Integrity Life MYGA family, shorter than the eight-year MultiVantage commitment on the same carrier shelf.
- Annual free-withdrawal allowance plus an expanded surrender-waiver set on the live feed — nursing-home, terminal-illness, required-minimum-distribution, and unemployment waivers — 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.
- 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
- California, Oregon, and Washington are excluded from this filing on the live feed — confirm state availability before relying on the headline rate, since buyers in those states are not on the same contract.
- The contract carries a market-value adjustment on early surrenders beyond the free-withdrawal allowance — the adjustment can either add to or subtract from surrender proceeds depending on the interest-rate environment at the time of withdrawal.
- 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.
- 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 in California, Oregon, or Washington (the filing excludes those states), buyers who want a surrender ladder that ends with the rate-lock term, 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 |
|---|---|
| 5-Year | 4.0996% |
| 6-Year | 3.6% |
| 7-Year | 3.7568% |
| 10-Year | 3.8248% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
4Nursing home waiver, RMD waiver, Terminal illness waiver, Unemployment 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
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Unemployment waiver, Surrender waivers
Carrier Ratings
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