1 / 12

Who We Are

Who We Are. Integrity and National Integrity are member companies of Western & Southern Financial Group One of the 9 strongest insurance groups in the world A 120-year-old Fortune 500 company, mutually owned Assets owned, managed and under care over $41 billion

wallace-maynard
Download Presentation

Who We Are

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Who We Are • Integrity and National Integrity are member companies of Western & Southern Financial Group • One of the 9 strongest insurance groups in the world • A 120-year-old Fortune 500 company, mutually owned • Assets owned, managed and under care over $41 billion • Among the most highly capitalized in the industry • GAAP capital-to-asset ratio of 11.7 %** • More than double the average of the 15 largest publicly traded life insurance companies***

  2. Outstanding Ratings

  3. Comdex: The Score That Tells You More

  4. At a Glance • Flexible Premium Deferred Annuity • Choose among six Guaranteed Rate Options (GROs) — 2-, 3-, 5-, 6-, 7- and 10-years • Laddering - Ability to allocate between guarantee periods • A seven-year, contribution-based withdrawal period • MVA duration is equal to the guarantee duration NM 2 of 15

  5. QIO NO MVA Renewal Options 2 GRO • MVA 3 GRO • MVA 5 GRO • MVA 6 GRO • MVA 7 GRO • MVA 10 GRO • MVA Quarterly Interest Option – QIO After initial guarantee, contract guarantee minimum • GRO duration = MVA duration • New money base rates • No new withdrawal charge NM 13 of 15

  6. 7-Year GRO 50% 5.00% Commission Any: GRO 2 3 5 7 10 6 New $ Base Rate New $ Base Rate New $ Base Rate New $ Base Rate New $ Base Rate New $ Base Rate Sales Idea – Laddering Premium 2.00% Commission QIO 50% 1-Year Guarantee + NM 15 of 15

  7. At a Glance • Single Premium Deferred Annuity (SPDA) • $20,000 minimum contribution • Four guaranteed rate options with matching withdrawal charge periods (Integrity only) — 4-, 5-, 7- and 10-years • At end of initial guarantee, option to lock in new money rate and withdrawal charge period of up to 10 years • MVA, rate guarantee, and surrender charge durations all match MA 2 of 15

  8. At a Glance • Single Premium Deferred Annuity • 100% return of principal guarantee • 1, 3, 5 & 7 year rate guarantees, 7 year surrender • No MVA * Currently no additional interest on 5 year GRO SS 2 of 8

  9. Single Premium Immediate Annuity • Issue ages 0–95 • Minimum contract size • $10,000 minimum premium or minimum income payment of $100 (whichever is higher) • Maximum contract size • $1 million without prior company approval (age 0–75) • $500,000 (age 76+) • Inflation offset with Increasing Payout Option IS 2 of 11

  10. Flexible Select Option • Deferral Period Two to 20 Years • Lock in today’s mortality and interest rate assumptions • Commutation Benefit – can take a lump sum within 60 days after income payments begin. May be less that what was paid into the contract. • Death Benefit – if annuitant dies before payments begin, the beneficiary receives a death benefit of contributions + interest. Maximum Select Option • Kicks in at 85—pure longevity insurance • Higher payouts • No commutation or death benefits Income Source Select

  11. Thank You! Integrity & APS (800) 551-8116

More Related