Integrity Indextra Annuity Review
The Indextra is a Fixed Indexed annuity designed for growth. You can allocate your money, once a year on the policy anniversary, between a guaranteed interest rate account and a benchmark stock index account.
Indextra Annuity Highlights:
|Integrity Indextra Annuity Interest Rates|
|7 Year Withdrawal Charge Period||10 Year Withdrawal Charge Period|
|Allocation Options||Interest Rate Cap||Participation Rate||Interest Rate Cap||Participation Rate|
|Goldman Sachs 3-Year Point-to-Point||No Cap||120%||No Cap||120%|
|Goldman Sachs 2-Year Point-to-Point||No Cap||100%||No Cap||100%|
|Goldman Sachs 1-Year Point-to-Point||No Cap||70%||No Cap||70%|
|JP Morgan 3-Year Point-to-Point||No Cap||90%||No Cap||90%|
|JP Morgans 2-Year Point-to-Point||No Cap||75%||No Cap||75%|
|JP Morgan 1-Year Point-to-Point||No Cap||52%||No Cap||52%|
|S&P 500 1-Year Point-to-Point||4.00% Cap||100%||4.00% Cap||100%|
|Fixed Interest Option, 1-Year||2.00%||N/A||2.00%||N/A|
Frequently Asked Questions About the Indextra Annuity:
Q: What is the minimum premium I need to pay?
Q: Am I paid a bonus on my initial premium at sign-up?
A: No, there is no bonus.
Q: Can I pay additional premium later on?
A: No, this is a single premium annuity.
Q: Are there any age restrictions?
A: Yes. You can purchase this annuity up to age 85. In some states the age requirements may differ.
Q: In which states is the Indextra annuity available?
A: The Indextra annuity is not available in all states. Call 800-872-6684 to find out if it's available in your state.
Q: Does this annuity have an income rider (for withdrawing income)?
A: Yes. An income rider can be included with your contract for an additional fee.
Click here for the income rider brochure.
Q: For how long are surrender charges in effect?
A: 10 or 7 Years depending on the option you choose
Q: Does the Indextra annuity permit any withdrawals without penalties?
A: Yes, 10% of the accumulation value after the first contract year.
Q: What benchmark indices do the Indextra offer?
A: Integrity's Indextra annuity offers the S&P 500 and the Goldman Sachs Momentum Builder Multi-Asset Class indices.
Goldman Sachs Back-Tested History:
|Goldman Sachs Strategy Hypthetical Historical Performance*|
|Start Date||End Date||Index Return|
*The index began on July 25, 2014. This table shows hypothetical three-year index returns starting on the first day of each year that the index would have been published. You can read more about the Goldman Sachs strategy here.
Q: What are the index account options?
A: Monthly Average, Annual Point-to-Point, 3-Year Point-to-Point, and Annual Fixed Interest Option.
Q: What is the Method for Crediting Interest or Gains?
A: Cap and Participation rates.
To review the Indextra annuity with an agent or to receive a free personalized illustration call 800-872-6684 or fill in the "Get My Free Quote" form in the upper right section of this page.
See which other annuities are really popular here.