VAROOM is issued and guaranteed by Integrity Life Insurance Company, 400 Broadway, Cincinnati, OH, 45202, and National Integrity Life Insurance Company, 15 Matthews Street, Suite 200, Goshen, NY, 10924, and is offered through Touchstone Securities, Inc.* Integrity operates in DC and all states except ME, NH, NY and VT, where National Integrity operates. W&S Financial Group Distributors is an affiliated agency of the issuers, which have sole financial responsibility for their products. Both are members of Western & Southern Financial Group. This contract has limitations. Annuity benefits offered may vary due to misstatement of sex or age.

Costs include an annual charge of 1.90% (0.75% M&E, 0.35% administration, 0.80% distribution) on assets and a withdrawal charge on any partial withdrawal over 10% of any account value. Withdrawal charges are applied to each premium for the first five years: 7% in the first year, 7% in year 2, 6% in year 3, 5% in year 4, 4% in year 5, and 0% thereafter. The distribution charge reimburses the insurance company for costs of distribution of VAROOM, including commissions paid to our distributors. VAROOM's optional Guaranteed Lifetime Withdrawal Benefit (GLWB) is available at issue for an additional charge. 

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the insurance company issuing the annuity. Guarantees are based on the claims-paying ability of the insurer. There is no guarantee of the investment performance or safety of the variable investment options. Variable annuities are suited for long-term investing. Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals prior to age 59½ are generally subject to a 10% IRS penalty tax. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product approval, availability and features may vary by state. See your financial professional for availability, details and limitations. Issued as a single premium deferred annuity in Oregon.  For use with contract series ICC10 INT-15 1011, INT-15 1011, ICC10 NIL-15 1011, INT-15 1011 OR and NIL-15 1011 NY and rider series ICC10 IR.32 1011, IR.32 1011, IR.32 1011 OR, ICC10 IR.33 1011, IR.33 1011, IR.33 1011 OR, ICC10 IR.34 1011, IR.34 1011, ICC10 NR.32 1011, NR.32 1011 NY, ICC10 NR.33 1011, NR.33 1011 NY, ICC10 NR.34 1011 and NR.34 1011 NY.

Tax advantages of VAROOM exist solely through its qualification as an IRA; there is no additional tax advantage or deferral. VAROOM is subject to all laws governing IRAs, including but not limited to, age and contribution limits, early and late IRS withdrawal penalties and required minimum distributions. Integrity and National Integrity do not offer tax advice. Consult an attorney or tax advisor. ETFs similar to the subaccount options in VAROOM may be purchased outside of it, without the fees and benefits associated with an annuity. Investment return and principal value of a variable annuity fluctuates, so redeemed units may be worth more or less than their original cost.

iShares® is a registered trademark of BlackRock Fund Advisors or its affiliates (BlackRock). All other trademarks, servicemarks or registered trademarks are the property of their respective owners. BlackRock's only relationship to Integrity and National Integrity is the licensing of certain trademarks and trade names of BlackRock. Integrity and National Integrity variable annuities and Touchstone ETF Funds are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations or warranties to the owners of Integrity and National Integrity variable annuities or any member of the public regarding the advisability of investing in Integrity and National Integrity variable annuities or the iShares Funds. BlackRock has no obligation or liability in connection with the operation, marketing or trading of Integrity and National Integrity's variable annuities.

Vanguard, Connect with Vanguard®, and the ship logo are trademarks of The Vanguard Group, Inc.

An investor should carefully consider the investment objectives, risks, charges and expenses of the investment found in the product and fund prospectuses. For prospectuses containing complete information, visit WSFinancialPartners.com or call 800.325.8583 (Integrity) or 800.433.1778 (National Integrity). Please read the prospectuses carefully before investing or sending money.

*A registered broker-dealer and member FINRA/SIPC.

No bank quarantee Not a deposit May lose value
Not FDIC/NCUA insured Not insured by any federal government agency
  • © 2012 Western & Southern Financial Group. All rights reserved.
  • CF-28-43000-1011
  • Last Updated: 02/01/12