Indextra Series 7
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Highlights
The Indextra Series of products (Indextra) is issued by Integrity Life Insurance Company (Integrity Life). It is a single premium deferred fixed indexed annuity that earns interest based on changes in a market index, which measures how markets or parts of markets perform.
Guaranteed Minimum Accumulation Value
If your account value is less than the GMAV at the end of the index year immediately following the end of your withdrawal charge period, we will increase your account value to the GMAV. The GMAV is the premium, less voluntary reductions, including any withdrawal charges, less any rider charges, multiplied by an enhancement factor. The enhancement factor is 107% for the seven-year withdrawal charge period. After the enhancement, the account value may fall below the GMAV if the interest earned is less than GLWB rider charges.
Guaranteed Minimum Accumulation Value
If your account value is less than the GMAV at the end of the index year immediately following the end of your withdrawal charge period, we will increase your account value to the GMAV. The GMAV is the premium, less voluntary reductions, including any withdrawal charges, less any rider charges, multiplied by an enhancement factor. The enhancement factor is 107% for the seven-year withdrawal charge period. After the enhancement, the account value may fall below the GMAV if the interest earned is less than GLWB rider charges.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
7 Years |
|
Surrender schedule
|
9%8.5%8%7%6%5%4% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$15,000 |
|
Types of funds
|
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 3-Year J.P. Morgan Strategic Balanced PTP Participation rate |
Point to Point
Triennial
|
200%
Participation
|
| 3-Year GS Momentum Builder Multi-Asset Class PTP Participation Rate |
Point to Point
Triennial
|
265%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year GS Momentum Builder Multi-Asset Class PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 2-Year GS Momentum Builder Multi-Asset Class PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year J.P. Morgan Strategic Balanced PTP Participation rate |
Point to Point
Annual
|
125%
Participation
|
| 2-Year J.P. Morgan Strategic Balanced PTP Participation rate |
Point to Point
Biennial
|
165%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Indextra GLWB Rider | No | 0.95% annually (1.50% max) |