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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 96 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, 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
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 October 8, 2024, and are subject to change.
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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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| WS1073v0922 |
FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. |
Rev. 10/8/2024 |
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