IntegrityPlus Series of Annuities
IntegrityPlus Flex I & II
IntegrityPlus Single III & IV

Fixed annuities earn a guaranteed rate of interest for a specific period of time. Some advantages of annuities include tax-deferred growth, guarantees on both interest and principal, and the option of a stream of income payments that you cannot outlive, making annuities unique financial vehicles that can help you reach your retirement goals.

The IntegrityPlus series, which includes both flexible and single premium fixed annuities, gives you all these advantages, plus our proven track record as a leader in the industry.

Take a moment to see how our IntegrityPlus flexible annuity can help you build your financial future.

Flexible Payment Options
The IntegrityPlus series of annuities gives you the freedom to design a plan to receive income depending on your needs. This plan can be structured to pay in a lump sum, for fixed periods, or in a stream of income you cannot outlive. If a systematic withdrawal program meets your needs, your payments can be scheduled annually, semi-annually, quarterly or monthly.

Death Benefit
During accumulation, the full value of the IntegrityPlus Flex I or II annuity is paid at death directly to the annuitant's stated beneficiary without a policy penalty and can avoid the inconveniences of probate.

Access to Your Money
You can withdraw up to 10% of your IntegrityPlus Flex I or II annuity each year without withdrawal charges (minimum withdrawal $500), as long as your account value—after withdrawal—will equal $1,000 or more. Money is subject to withdrawal charges only when withdrawn in excess of the specified free withdrawal amount.

Low Minimum Contributions
With a contribution of only $20, you can start your own IntegrityPlus Flex I or II annuity.

No Upfront Sales Charges
All of your money goes to work for you immediately because an IntegrityPlus Flex I or II annuity has no upfront sales charges.

Competitive current interest rates
The IntegrityPlus Flex I or II series offers current competitive interest rates. However, unlike other investment vehicles, you are not taxed today. The money accumulates in your annuity tax deferred, working more effectively for you.

Guaranteed interest rate
Your guaranteed minimum interest rate is set when your contract is issued, and your minimum rate will not change for the life of your contract. Therefore, even when investment markets do poorly, your investment earns the interest rate guaranteed in your contract.

Safety of Principal
You have a full 20 days, 30 days in some states, to review your IntegrityPlus annuity. The initial purchase payment will be returned to you if, for any reason, you decide this opportunity is not right for you during this time no questions asked and no penalties.

Satisfaction or Your Money Back
You can withdraw up to 10% of your IntegrityPlus Flex I or II annuity each year without withdrawal charges (minimum withdrawal $500), as long as your account value—after withdrawal—will equal $1,000 or more. Money is subject to withdrawal charges only when withdrawn in excess of the specified free withdrawal amount.

Tax Considerations
Under current tax law, withdrawals from annuities are received as interest (gain) first and return of investment (principal) second. This is an important point since all gains reflected in withdrawals are considered taxable income. You will pay ordinary income taxes on your earnings and, if you are under 59 1-/2, you may be subject to an IRS penalty.


IntegrityPlus Flex Policy Form No. 900
IntegrityPlus Single Policy Form No. 910

No information here is offered as tax or legal advice. We recommend you discuss with competent advisors/counsel your individual situation.

Our Annuity Products

> IntegrityPlus Series of Deferred Annuities

> Single Premium Immediate Annuity


Calculate the Benefits

How do your earnings affect your family? Find out with our Human Life Value Estimator.

How much do you need for retirement? Find out with our Retirement Savings Estimator.


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Form No. 190