Integrity Life Indextra Fixed Indexed Annuity – Guaranteed Protection With Indexed Growth Options
A Balanced Approach to Retirement Planning
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed lifetime income, tax-deferred growth, and market protection through the right annuity solutions. The Indextra Fixed Indexed Annuity, issued by Integrity Life Insurance Company, is built to deliver steady retirement income while offering multiple indexing strategies to grow your savings—without exposing your principal to market losses.
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Multiple Index Strategies for Customizable Growth
With Indextra, you can choose from several market-linked crediting strategies that include:
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S&P 500 Index
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Goldman Sachs Momentum Builder Index
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J.P. Morgan Strategic Balanced Index
These options allow you to tailor your growth potential while still protecting your original investment from downturns.
Guaranteed Lifetime Income With Roll-Up Growth
The Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider ensures that you’ll receive a predictable stream of income for life, regardless of how the market performs. The Income Base roll-up feature grows at a competitive annual rate for up to 10 years, increasing your future payout potential and giving you added security in retirement.
Penalty-Free Access When You Need It
After the first contract year, Indextra offers penalty-free withdrawals of up to 10% annually. This liquidity makes it easier to access your funds for unexpected needs while preserving your income guarantees.
Strong Legacy Features for Your Loved Ones
Indextra also includes enhanced death benefit options, allowing your beneficiaries to receive remaining benefits in a way that reflects your legacy goals. This ensures your annuity can continue to provide value even after you’re gone.
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Why Choose Diversified Insurance Brokers?
The Integrity Life Indextra Fixed Indexed Annuity is ideal for individuals seeking market-linked growth, guaranteed income, and strong beneficiary protections. At Diversified Insurance Brokers, we partner with more than 75 top-rated carriers to match you with the best annuity for your retirement goals. Our expert advisors are ready to guide you through your options and help you secure a stable, long-term income solution.
Let’s build your retirement strategy—together.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Integrity Life Indextra Annuity
What is the Integrity Life Indextra Annuity?
The Indextra is a fixed indexed annuity offered by Integrity Life. It allows you to accumulate savings with tax-deferred growth, with the option for interest credits tied to market index performance — while protecting principal from market downturns.
How does index crediting work in Indextra?
You may allocate premium to one or more index-linked crediting options or choose a fixed-interest account, depending on the contract version. If you select an index option, credited interest is determined by a formula using caps, participation rates, or spreads. Your money is never directly invested in the stock market.
Is my principal protected?
Yes. Because Indextra is a fixed indexed annuity, the accumulation value (your principal plus credited interest) is protected against market losses. Negative index performance will not reduce your contract value due solely to market downturns — assuming no withdrawals or other contract actions that trigger penalties.
What are the surrender charge and liquidity provisions?
The contract includes a surrender-charge period. Early full surrender or withdrawals beyond any free-withdrawal allowance during that period may incur surrender charges or reduce guaranteed benefits. That means liquidity can be limited in the early years.
Can I withdraw money before income or maturity?
Many Indextra contracts allow a limited annual free withdrawal (commonly a small percentage of account value) after the first contract year without surrender charges. Withdrawals in excess of that amount, or early surrender, may lead to penalties or the loss of certain benefits.
Does Indextra offer lifetime income or payout options?
Yes. The annuity may offer optional riders or payout provisions that allow you to convert the accumulated value into a guaranteed income stream — potentially for life — when you are ready. Payout options may vary based on the contract version you select.
How are earnings and distributions taxed?
Interest credited inside the contract grows tax-deferred. When you take withdrawals or begin income payments, the taxable portion is generally taxed as ordinary income. Withdrawals before age 59½ may also be subject to additional tax penalties under IRS rules.
Who is the Indextra Annuity a good fit for?
Indextra may suit individuals who want potential growth tied to market indexes but also value principal protection, tax-deferred accumulation, and the option for future guaranteed income. It tends to match conservative to moderate savers with a long-term horizon and limited need for early liquidity.
What should I carefully review before purchasing?
Important factors to consider include surrender-charge duration, free-withdrawal limits, crediting method (fixed vs index), optional rider costs, and how the contract’s liquidity, fees, and income features align with your financial goals and retirement timeline.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
