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Western & Southern Financial Group: Trusted Insurance Solutions

Discover the integrity and national excellence of Western & Southern Financial Group, a 120-year-old Fortune 500 company with assets surpassing $41 billion. Explore flexible premium annuity options with outstanding ratings and guaranteed rate choices for secure financial planning. Contact us at (800) 551-8116 to secure your financial future.

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Western & Southern Financial Group: Trusted Insurance Solutions

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  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

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