Is Integrity Life a Good Insurance Company?
Over 100 Carriers to Quote From. Here are a few of them!
Is Integrity Life a good insurance company? At Diversified Insurance Brokers, we work with more than 100 top-rated carriers to help retirees and pre-retirees secure guaranteed income, protect their savings, and make confident retirement decisions. Integrity Life Insurance Company, a member of the Western & Southern Financial Group, has a long history of providing stable, reliable annuity and life insurance solutions. Known for financial strength and client-focused product design, Integrity Life offers competitive fixed and fixed indexed annuities that can help safeguard your retirement income.
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About Integrity Life Insurance Company
Founded in 1966 and backed by the financial resources of Western & Southern, Integrity Life has built a reputation for stability and consistent performance. They offer a range of annuity products designed for safe accumulation, principal protection, and guaranteed income—making them a strong fit for risk-averse investors and retirees seeking predictable financial security.
Popular Integrity Life Products
- Fixed Indexed Annuities (FIAs): Combines guaranteed protection with growth potential linked to market indexes.
- Multi-Year Guaranteed Annuities (MYGAs): Provides a guaranteed interest rate for a fixed term with no market risk.
- Lifetime Income Riders: Options to turn savings into guaranteed paychecks for life.
Who Integrity Life Is a Good Fit For
- Retirees wanting lifetime income security
- Pre-retirees locking in competitive interest rates
- Conservative investors seeking principal protection
- Those wanting to balance safety with market-linked growth
Pros of Integrity Life
- Strong financial backing from Western & Southern
- Well-designed FIAs with multiple crediting strategies
- Competitive MYGA interest rates
- Reliable income rider options
Considerations
- Products may not be available in all states
- Focuses on annuity solutions—fewer life insurance offerings
Our Take
At Diversified Insurance Brokers, we consider Integrity Life a strong and reliable carrier for annuity shoppers who value both safety and competitive returns. Their combination of financial stability, diverse product offerings, and income guarantees makes them a solid choice for building a retirement income plan. Whether you want to lock in rates with a MYGA or secure lifetime income through a fixed indexed annuity, Integrity Life has options worth considering.
FAQs: Is Integrity Life a Good Insurance / Annuity Company?
What are Integrity Life’s financial strength ratings?
Integrity Life Insurance Company holds an A+ (Superior) rating from AM Best, with AA- from S&P, AA from Fitch, and Aa3 from Moody’s. The outlook is considered stable.
How long has Integrity Life been in business, and who owns it?
Integrity Life was founded in 1966. It is part of Western & Southern Financial Group, a well-established parent company with origins dating back to 1888.
What products does Integrity Life offer?
They offer a focused set of life insurance and annuity products.
- Life: Single Premium Universal Life (SPUL) through “Legacy Forward II,” with features like chronic/terminal-illness riders and return-of-premium.
- Annuities: Fixed annuities, fixed indexed annuities (FIAs), and income annuities (immediate or deferred).
Is Integrity Life financially stable and trustworthy?
Yes. Its strong ratings, backing by Western & Southern Financial Group, and long operating history suggest solid stability. It is also BBB accredited with an A+ rating.
What are some advantages of choosing Integrity Life?
Advantages include competitive product design, strong guarantees, principal protection on fixed or indexed annuities, reliable corporate backing, and useful riders on life insurance products.
What are the potential drawbacks or things to watch out for?
Potential drawbacks include limited product variety in some states, fewer high-risk/high-reward options (many offerings are safety-oriented), surrender charges or restrictions on certain annuities, and feature availability that can vary by state.
Disclaimer: Product availability, ratings, and features depend on your state and current company offerings. This is educational, not financial or legal advice.
