Best Guaranteed Annuity Rates

Indextra Series 5 - Two

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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 105% for the five-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
Fixed Index
Purpose Lifetime Income
5 Years
Surrender schedule
Free withdrawal
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
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
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Find out if the Indextra Series 5 - Two is the right product for you.

Premium Notes

Maximum Premium:
  • $1,000,000 (Age 18-75) 
  • $750,000 (Age 76-85) 
  • Premiums in excess of maximum require prior company approval. Ages based on the older owner.
Note: We accept TSP funds as a rollover and issue it as a traditional IRA. 

Withdrawal Provisions

Partial Withdrawals with No Withdrawal Charge
Annuities are designed for long-term accumulation and retirement funding. Still, for financial flexibility, some liquidity is available while withdrawal charges apply. You may withdraw up to 10% of your account value (noncumulative; $250 minimum) each index year without a withdrawal charge. Withdrawals of taxable amounts will be subject to ordinary income tax and, before age 59½, generally will be subject to a 10% IRS penalty tax. Amounts withdrawn from indexed interest options before the end of a crediting period receive no interest for that crediting period.

Declining Withdrawal Charge
A withdrawal charge applies only to amounts in excess of the free withdrawal amount and decreases over time. Choose a five-, seven- or ten-year withdrawal charge period. Availability of both may vary by representative or institution. Once you select your withdrawal charge option, you cannot change it.

Access for Financial Flexibility
Up to 10% of the account value may be withdrawn each index year without incurring a withdrawal charge. The minimum partial withdrawal is $250 for discretionary withdrawals and $100 for systematic withdrawals.
Withdrawals of taxable amounts are subject to ordinary income tax, and, before age 59½, generally subject to a 10% IRS penalty tax. Amounts withdrawn from indexed interest options prior to the end of a crediting period will receive no interest for that crediting period.

Withdrawal Charge Waiver
Required minimum distributions (RMDs)

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4.7% Fixed
1-Year S&P 500 PTP Cap
Point to Point
11.75% Cap
1-Year GS Momentum Builder Multi-Asset Class PTP Participation Rate
Point to Point
175% Participation
2-Year GS Momentum Builder Multi-Asset Class PTP Participation Rate
Point to Point
235% Participation
1-Year J.P. Morgan Strategic Balanced PTP Participation rate
Point to Point
144% Participation
2-Year J.P. Morgan Strategic Balanced PTP Participation rate
Point to Point
190% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 9% 8% 7% 6%


Name Inbuilt Fee
Indextra GLWB Rider No 0.95% annually (1.50% max)



Guaranteed Death Benefit for Your Loved Ones Indextra provides for your beneficiaries if you, as the owner, die while an account value remains. Your named beneficiary will receive the greater of your account value or your nonforfeiture value as of the date the death benefit is processed. Regardless, no withdrawal charge applies. If a joint owner is named on the contract, the death benefit will be paid upon the first to die of the owner or joint owner. Guarantees of account values and death benefits are contractual promises supported by Integrity’s General Account assets and backed by its claims-paying ability.


Unavailable in states: CA, and CT

Contact us to get more information about this waiver.

Nursing Home

Unavailable in states: CA, and CT

The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: CA, and CT

Limited life expectancy waiver available if, after contract issue, the owner is diagnosed with a life expectancy of 12 or fewer months.


This annuity matures at a date set equal to the original annuitant’s 100th birthday. If the annuity is still in force at maturity, you must either take a lump sum payment or choose an annuity option


Unavailable in states: CA, and CT

Confinement to a nursing home, hospital or licensed health care facility. Confinement waiver available on or after the first contract anniversary after the owner is confined for at least 60 consecutive days, if owner is not confined at contract issue.

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