Integrity Indextra Annuity Review

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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:

+Current Indextra Annuity Interest Rates
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 100% No Cap 110%
Goldman Sachs 2-Year Point-to-Point No Cap 85% No Cap 90%
Goldman Sachs 1-Year Point-to-Point No Cap 60% No Cap 65%
S&P 500 1-Year Point-to-Point 4.00% Cap 100% 4.25% Cap 100%
Fixed Interest Option, 1-Year 1.80% N/A 1.90% N/A

Frequently Asked Questions About the Indextra Annuity:

Q: What is the minimum premium I need to pay?
A: $15,000

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
1/4/02 1/4/05 12.6%
1/6/03 1/4/06 18.8%
1/5/04 1/4/07 15.3%
1/4/05 1/4/08 18.3%
1/4/06 1/5/09 6.5%
1/4/07 1/4/10 6.0%
1/4/08 1/4/11 5.7%
1/5/09 1/4/12 12.8%
1/4/10 1/4/13 15.7%
1/4/11 1/6/14 17.9%
1/4/12 1/5/15 16.0%

*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. You can also post your questions in the "Add a comment..." section below.

Read more about Integrity's Indextra Annuity on Integrity's site

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