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Product Details
SPDA Series II 5
Company social profile:
Product Name
SPDA Series II 5
Annuity Type
FA
Issuing Insurance Company and Ratings
Integrity Life Insurance Company
Ratings
Product Information
The Integrity Life Insurance Company’s SPDA Series II 5 is a Single Premium Guaranteed Annuity with a 5 Year Interest Rate Guarantee, a 7 Year Surrender Charge Period, and a Return of Premium feature.
Key Features
Premium Types: Single
Minimum Premium: 3,000
Maximum Premium: 1,000,000
Free Look Period: 10 Days
Rate Lock Period: 10 Days
Tax-Qualified: IRA, NonQual, SEP IRA, IRA-Roth, IRA Transfer, IRA Rollover
Rates
Effective Date: 01/04/2026
Initial Guarantee Period: 5 Year Interest Rate Guarantee
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 3,000 - 1,000,000
Current
5 Year Guarantee Period Annual Yield:
3.85%
Interest rate start of year 1 through end of year 5:
3.85%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flexible Premiums Not Accepted
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU ME NH NY PR VI VT
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $1,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $300
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
Premium Limits: Flexible Premiums Not Accepted
State Restrictions: Hospitalization Not available in MO, Nursing Home Not available in MO, Terminal Illness Not available in MO, Unemployment Not available in WA MO IN PA
