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A member of LifeMark Partners
* Interest rates are subject to change without notice in the current environment – call 800.496.3572 to confirm rates!
Guaranteed Rate Annuities
Company Integrity
Product Momentum Adv. 10
AM Best Rating A+
Guarantee Period 10 Year(s)
Premium Bands $20k+      
1st Year Rate 3.40%      
Rate Year 2 - end of guarantee period 2.65%      
Average Yield to end of Surrender Period 2.72%      
1st Year Bonus 0.75%      
Interest Rate Notes
Rate Lock
Maximum Premium
Minimum Premium $20,000
Premium Type Single
Minimum Additions N/A
TSA Loan Provision No
Minimum Contractual Interest Rates 3.00%
Maximum Issue Age 83
Surrender Charges as a percentage of Account Value by Year 10 Years  8,8,7,7,6,6,5,5,4,4,0%
Surrender Charge Notes
MVA No
Window No
Free Withdrawals 10% Inlcuding First Year
Surrender Charge at Death No
Nursing Home Surrender Charge Waiver Yes
Terminal Illness Surrender Charge Waiver Yes
Unemployment Surrender Charge Waiver Yes
Annuitization Waiver Yes, surrender charges waived, MVA will apply. 5 year Period Certain minimum.
Action at end of Term Choose a 1,2,3 year Term, continuing contract WITH NO withdrawal penalities. Choose among 4,5,7 and 10 year Term, locking in a new rate and a new withdrawal charge period.
Comments
Commission Schedule
3.50%
1.50%

0-79
80-83

Commission Notes If the policy holder renews the policy for another guaranteed term, full commissions are paid.
Product Availability by State Not Available in ME NH SC TX UT VT WA
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Company News Announcements
Integrity Dropping rates 30bps eff 8-31-10.
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Please call IPG for current availability. Securities offered through CUE® Member NASD and SIPC. Photographs by Peter Haigh.