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Introducing the JourneyMark fixed indexed annuity! |
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Whether your clients are seeking certainty in an uncertain
world, expanded income potential, or a straightforward way
to grow their money, JourneyMark can help them chart a
customized course to retirement.
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ACCUMULATION FOCUSED
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JourneyMark (Base Product)
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No rider charge.
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Straightforward accumulation.
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No buy-up fees.
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A strong choice for older clients—
5-year version available for issue
ages 86–90.
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LIQUIDITY FOCUSED
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JourneyMark with Cascade Rider*
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Return of premium available after the third index year, for any reason.**
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Enhanced account value guarantee—
one-time boost at the end of the withdrawal charge period.
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6.5% premium bonus on 10-year version.†
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INCOME FOCUSED
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JourneyMark with Expanse Rider††
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Performance-driven income.
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10% immediate benefit base bonus plus 200%
crediting rate roll-up.§
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Included ADL income doubler.
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Choice of increasing or level payouts at
income activation.
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Enhanced death benefit if income not
activated—120% of account value, lump sum.
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Plus, this distinctive FIA … |
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Is issued by Western & Southern member company Integrity Life
Insurance Company—an
A+ AM Best rated carrier§§ with a
Comdex ranking of 96 out of 100!‡
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Offers diverse crediting options that include proprietary indices
powered by some of the biggest names in investment
banking. Check out our 5-year high water mark!
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Pays up to
7.25% street-level commission!‡‡
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Start on Your Journey to New Sales Today!
Call the Legacy Marketing Group® Sales Team,
800-395-1053, Ext. 4002, or your IMO.
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JourneyMark is issued by Integrity Life Insurance Company,
Cincinnati, OH, which operates in DC and all states except NY.
W&S Financial Group Distributors, Inc. (doing business as W&S Financial Insurance Services in CA) is an affiliated life insurance
agency of the issuer. All companies are members of Western & Southern Financial Group. For use with Modified Single Premium
Deferred Annuity Contract With Indexed Interest Options and Market Value Adjustment Feature series ICC20 INT-17 2004, ICC20
IR.39 GLWB 2004, ICC20 IR.40 ELG 2004, ICC20 IR.41 AB 2004, ICC20 IR.42 2004 WWC, ICC20 IE.47 SI-OY-PTP 2004, ICC20 IE.46
SI-MY-PTP 2004, ICC20 IE.48 SI-MY-HWM 2004. Product and feature availability, as well as benefit provisions, vary by state.
JourneyMark products are designed and exclusively marketed by Legacy Marketing Group, an independent agency. JourneyMark is
a service mark of Legacy Marketing Group. Issuer has sole financial responsibility for its products.
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Integrity Life Insurance Company ratings are correct as of August 6, 2021, and are subject to change. Ratings refer to the
claims-paying ability of the insurance company and do not reflect the performance or safety of any investment product. The
rating agencies listed below are independent of each other and use proprietary evaluation criteria and rating scales.
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Available for an annual charge during the withdrawal charge period of 1.00% with the JourneyMark 10-year product or
0.35% with the JourneyMark 7-year product.
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If the contract is surrendered after the third index year, the surrender value will never be less than the full premium, less any prior
withdrawals. For purposes of this calculation, withdrawals do not include withdrawal charges or market value adjustment.
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Vesting schedule applies.
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Available for an annual charge of 1.00%.
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Benefit base increases are subject to an annual benefit base cap of 25% per index year.
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AM Best—Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since
June 2009). |
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The Comdex Ranking—The Comdex Ranking is a composite of the financial strength ratings as determined by Standard
& Poor’s, Moody’s, AM Best, and Fitch ratings. It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to
reduce confusion over ratings because each rating agency uses a different scale.
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On 10-year products (9-year in CA). See
Compensation Schedule
for details.
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No bank guarantee. • Not a deposit. • May lose value. • Not FDIC/NCUA insured. • Not insured by any
federal government agency.
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FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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