Product Center - Annuity Advisors

September 10, 2010

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Product Center - Multi-Year Guarantee Annuities

Multi-Year Guarantee	Fixed Indexed	Traditional	Immediate

Company	Integrity Life
Plan Name	MoVantage
AM Best Rating	A+
1st Year Rate	2.25%
Rate Thereafter	1.50%
Guarantee Period	5 years
Avg. Annual Yield	1.65%
Minimum Premium	$20,000.00
Flexible/Single Premium	Single
Minimum Additions	N/A
Max Issue Age	86 Qualified 86 Non-Qualified
Free Withdrawals	10% Starting in 1st Year
Surrender Schedule	8 %, 8 %, 7 %, 7 %, 6 %, 0 %
Market Value Adjustment	Yes
Action at end of guarantee	Declared Min Gtee Renewal Rate (liquid)
Return of Principal Guarantee	No
Waiver Options	Nursing Home, Terminal Illness, Unemployment


Death Benifit Option	Ages 0-69: Add 40.00% of interest earned @ death (0.20% annual cost) Ages 70-79: Add 25.00% of interest earned @ death (0.35% annual cost) Ages 80 and over: N/A

Annual Fees

N/A

States NOT approved

ME, NH, NY, SC, UT, VT, WA

Days held on Transfers

Interest Rate History on
New Premiums

9/1/2001 - 5.60%
10/1/2001 - 5.35%
11/1/2001 - 5.35%
12/1/2001 - 5.60%
1/1/2002 - 5.85%
2/1/2002 - 5.85%
3/1/2002 - 5.65%
4/1/2002 - 5.75%
5/1/2002 - 5.60%
6/15/2002 - 5.35%
6/30/2002 - 5.10%
7/15/2002 - 5.00%
7/26/2002 - 4.65%
9/30/2002 - 4.55%
11/1/2002 - 4.75%
11/15/2002 - 4.50%
12/15/2002 - 4.60%
1/31/2003 - 4.45%
2/28/2003 - 4.25%
3/15/2003 - 4.10%
4/1/2003 - 4.35%
4/15/2003 - 4.25%
5/19/2003 - 3.85%
5/31/2003 - 3.75%
7/1/2003 - 3.55%
7/15/2003 - 3.80%
7/22/2003 - 3.90%
7/31/2003 - 4.10%
8/15/2003 - 4.25%
8/31/2003 - 4.60%
9/30/2003 - 4.40%
11/15/2003 - 4.50%
11/30/2003 - 4.25%
12/15/2003 - 4.40%
1/15/2004 - 4.25%
2/2/2004 - 4.15%
3/15/2004 - 3.90%
3/31/2004 - 3.65%
4/7/2004 - 4.10%
4/19/2004 - 4.30%
5/12/2004 - 4.80%
6/30/2004 - 4.65%
7/15/2004 - 4.50%
8/15/2004 - 4.30%
9/30/2004 - 4.10%
10/15/2004 - 4.20%
10/31/2004 - 3.95%
11/15/2004 - 4.20%
12/31/2004 - 4.10%
2/15/2005 - 4.00%
2/28/2005 - 4.20%
3/15/2005 - 4.35%
3/31/2005 - 4.60%
4/15/2005 - 4.40%
6/15/2005 - 4.25%
7/31/2005 - 4.40%
8/15/2005 - 4.50%
8/31/2005 - 4.35%
9/15/2005 - 4.25%
9/30/2005 - 4.40%
10/15/2005 - 4.50%
10/31/2005 - 4.60%
11/15/2005 - 4.75%
2/15/2006 - 4.95%
3/15/2006 - 5.10%
4/15/2006 - 5.25%
5/31/2006 - 5.35%
6/30/2006 - 5.50%
8/15/2006 - 5.30%
8/31/2006 - 5.20%
9/30/2006 - 4.95%
10/31/2006 - 5.15%
11/30/2006 - 4.95%
3/31/2007 - 4.85%
5/31/2007 - 5.05%
6/15/2007 - 5.30%
8/31/2007 - 5.45%
9/30/2007 - 5.35%
10/31/2007 - 5.15%
1/31/2008 - 4.80%
3/6/2008 - 4.50%
4/30/2008 - 4.65%
5/31/2008 - 5.00%
6/19/2008 - 5.35%
7/31/2008 - 5.25%
8/29/2008 - 5.10%
9/22/2008 - 4.70%
9/30/2008 - 4.95%
11/10/2008 - 5.20%
12/31/2008 - 4.95%
1/31/2009 - 4.80%
2/19/2009 - 4.40%
3/31/2009 - 4.35%
4/15/2009 - 4.20%
4/30/2009 - 3.90%
5/31/2009 - 3.65%
8/31/2009 - 3.45%
11/30/2009 - 3.25%
2/28/2010 - 3.20%
4/30/2010 - 3.05%
7/31/2010 - 2.80%
8/15/2010 - 2.50%
8/31/2010 - 2.25%

Commission*

2.50% (0 - 79)
0.50% (80 - 86)

*Commission may vary depending on payout option, premium amount, state, age, and type of policy.

Please call for details and to make sure product is approved in your state
Products, surrender charges, interest rates, bonuses, participation rates/margins, free withdrawals, issue ages, minimum premiums and commissions may vary depending on state, age, type of policy and/or premium. All information is meant as a representation, not an advertisement or warrantee. Rates subject to change at any time. Agent-only material and not meant to be copied or used in sales presentations. Each company/product may have state specific requirements where approved.

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