RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Who We Are Integrity and National Integrity are member

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***



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



Comdex: The Score That Tells You More





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



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



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



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



* 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



• 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



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



Thank You!

Integrity & APS

(800) 551-8116

Documents

RISK MANAGEMENT FINANCIAL SOLUTIONS FOR FINANCIAL PROFESSIONAL USE ONLY WSFinancialPartners.com Who We Are Integrity and National Integrity are member