Integrity Life MultiVantage Fixed Annuity – Locked-In Rates with First-Year Boost and Long-Term Security
Designed for Steady Growth and Strong Guarantees
At Diversified Insurance Brokers, we often help clients find annuities that deliver reliable returns without overwhelming complexity. The Integrity Life MultiVantage Fixed Annuity, issued by Integrity Life Insurance Company, is one such solution.
This annuity is ideal for conservative investors who want predictable, tax-deferred growth, built-in access to funds, and multiple ways to turn savings into lifetime income.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Guaranteed Rate Options with a 1% Interest Boost
One of the standout features of the MultiVantage annuity is its Guaranteed Rate Options (GROs)—fixed interest rate periods of 4, 5, 7, or 10 years. These rates are locked in for the full term, providing peace of mind in uncertain markets.
Even better, the product includes a 1% first-year interest rate enhancement, increasing your contract value right away and boosting your potential income later.
With flexible deposit options and terms, this annuity works well for IRA rollovers, Roth conversions, or repositioning idle savings. If you’d like to compare the current MultiVantage rates to similar MYGAs, complete our annuity quote request form and we’ll send personalized options.
Built-In Access Without Sacrificing Control
The MultiVantage isn’t just about growth—it also offers penalty-free access to funds. After the first year, you can withdraw up to 10% of your contract value annually without surrender charges. The policy also includes withdrawal waivers for:
-
Long-term care confinement
-
Terminal illness
-
Required minimum distributions (RMDs)
For larger early withdrawals, a Market Value Adjustment (MVA) may apply, depending on interest rate conditions.
Smart Legacy Planning and Lifetime Income Options
Like all high-quality fixed annuities, the Integrity Life MultiVantage ensures that your beneficiaries receive the full contract value as a death benefit, bypassing probate and reducing estate complexity.
If guaranteed income is your goal, the contract can also be annuitized into a stream of payments—either for life or for a set number of years. This flexibility makes it suitable for a variety of retirement strategies.
Who This Annuity May Be a Good Fit For
The Integrity Life MultiVantage Fixed Annuity is ideal for:
-
Individuals who want guaranteed interest with a first-year boost
-
Savers seeking tax-deferred growth without market volatility
-
Retirees who want access to funds without giving up growth
-
People rolling over retirement accounts who need a safe, long-term solution
-
Anyone looking for strong annuitization options with liquidity flexibility
This annuity works especially well as part of a laddering strategy, helping clients lock in competitive yields across different timelines while retaining optionality.
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Integrity Life MultiVantage Annuity
What is the Integrity Life MultiVantage Annuity?
MultiVantage is a fixed indexed annuity designed for long-term accumulation. It blends multiple index-crediting choices, principal protection, and tax-deferred growth into a contract meant for savers who want market-linked upside with no downside exposure.
How does MultiVantage credit interest?
Interest is based on the performance of selected index strategies. These may include participation-rate designs, spreads, and point-to-point methods. Regardless of index results, credited interest can never be negative.
Does the annuity offer multiple index choices?
Yes. MultiVantage typically offers several indices, including diversified or volatility-controlled options, allowing contract owners to build a personalized allocation strategy based on their growth preferences.
Is there a fixed-rate allocation option?
Yes. A guaranteed fixed-interest bucket is usually available. This allows savers to combine guaranteed returns with index-based potential for greater flexibility.
Can I access funds during the surrender period?
Most versions include an annual penalty-free withdrawal allowance. Larger withdrawals may be subject to surrender charges, and early withdrawals could affect interest eligibility depending on the strategy selected.
Does MultiVantage support IRA rollovers?
Yes. The annuity typically accepts rollovers and transfers from IRAs and other qualified accounts. The rollover process works similarly to the steps in our Simple IRA transfer guide.
Are lifetime income options available?
Some versions may include optional income riders, while others rely on annuitization for guaranteed income. MultiVantage is primarily an accumulation product but can be adapted to provide lifetime payments.
What happens if the index performs poorly?
Your account value does not decline due to market losses. Poor index performance simply results in zero interest for that period, not a decrease in your principal.
What occurs at the end of the surrender period?
After the surrender period ends, you have full liquidity. You can keep the contract, change allocations, withdraw funds, or transition into another annuity product without penalty.
Who is the Integrity Life MultiVantage Annuity best suited for?
This annuity is ideal for long-term savers who want principal protection, diversified index strategies, and tax-deferred accumulation. It fits individuals looking for controlled market-linked growth rather than high-risk market exposure.
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.
