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RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
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***
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
Outstanding Ratings
A.M. Best Standard & Poor’s
Fitch
and
A+ Superior
From A++ Superior; now the second
highest of 16 ratings.
Outlook - Stable
AA+ Very Strong
Affirmed and unchanged; the second highest of 21 ratings.
Outlook - Stable
AA Very Strong
From AA+ Very Strong; now the third highest of 21 ratings.
Outlook - Stable
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
Comdex: The Score That Tells You More
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
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
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
10GRO • MVA
GRO duration = MVA duration New money base rates No new withdrawal charge
3GRO • MVA
5GRO • MVA
7GRO • MVA
6GRO • MVA
Renewal Options
Quarterly Interest Option – QIO
NM 13 of 15
After initial
guarantee, contract
guarantee minimum
QIONO MVA
2GRO • MVA
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
Any:
GRO
2New
$ Base
Rate
3New
$ Base
Rate
5New
$ Base
Rate
7New
$ Base
Rate
10New
$ Base
Rate
6New
$ Base
Rate
Sales Idea – Laddering Premium
QIO 50%1-Year
Guarantee
2.00%
Commission
7-Year
GRO
50%
5.00%
Commission+
NM 15 of 15
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
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
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
* Currently no additional interest on 5 year GRO
At a Glance
• Single Premium Deferred Annuity • 100% return of principal guarantee• 1, 3, 5 & 7 year rate guarantees, 7 year surrender• No MVA
SS 2 of 8
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
• 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
RISK MANAGEMENT FINANCIAL SOLUTIONSFOR FINANCIAL PROFESSIONAL USE ONLY
WSFinancialPartners.com
Income Source SelectFlexible 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
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