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Are your clients hungry for growth potential but wary about market
conditions? Introduce them to the
JourneyMark®
with Cascade Rider*
fixed indexed annuity. |
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Guaranteed minimum accumulation.** |
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Return of premium guarantee.† |
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6.5% premium bonus with the 10-year product. |
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Diverse index options, including indices powered by
well-known investment banks. |
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Backing of a 95 Comdex ranked carrier†† with an
A+ AM Best rating.§ |
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See how JourneyMark with Cascade Rider can help grow and protect your
clients’ retirement funds. |
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For more information, call the Legacy Marketing Group®
Marketing Field Support 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.40 ELG 2004,
ICC20 IR.41 AB 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 registered service mark of Legacy Marketing Group.
Issuer has sole financial responsibility for its products.
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Earnings and pre-tax premium payments are subject to ordinary income tax at withdrawal.
Withdrawals prior to age 59½ are generally subject
to a 10% IRS penalty tax. A charge may be assessed
against the annuity value if a withdrawal
made during the withdrawal period exceeds the
free amount.
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Integrity Life Insurance Company ratings are correct as of May 12, 2025, 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 are independent of each other and use proprietary evaluation criteria and rating scales.
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Available to issue ages 0–80 for an annual charge of 1.00% for JourneyMark or 0.35% for JourneyMark 7.
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The guaranteed growth is provided by the rider’s guaranteed minimum account value benefit,
which applies at the end of the withdrawal charge period. Percentage is multiplied by
premium and premium bonus,
minus withdrawals, withdrawal charges,
MVA, and rider charges. Not available in CA.
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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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| †† |
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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AM Best A+—Superior ability to meet ongoing insurance
obligations (second highest of 13 ratings; rating held since June 2009).
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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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| WS1073v0525 |
FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
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