National Integrity New Momentum Annuity Review
Secure Your Future
Bring New Momentum to your goals for wealth building and lifelong financial security. New Momentum is a flexible premium deferred annuity with market value adjustment (MVA) issued by Integrity Life Insurance Company, Cincinnati, Ohio, and National Integrity Life Insurance Company, Goshen, New York. Both are members of Western & Southern Financial Group.
Achieving a comfortable lifestyle requires an income that allows you real choices. Build on benefits such as tax-deferred growth and guaranteed retirement income. Among the advantages of New Momentum:
- Tax-deferred compound growth
- Initial interest rates – all with 0.75% first year rate enhancement – guaranteed for periods up to 10 years
- Minimum guaranteed rate for life of contract
- Lifetime income guaranteed for as long as you live (or for your life and that of another person)
- Waivers of withdrawal charges upon certain specified life events
- Avoidance of probate (with named, surviving beneficiary other than estate)
The Power of Tax Deferral
Tax deferral means your money grows without paying current taxes. Taxes are due only when withdrawals are taken. As the example on the next page illustrates, annuity assets compound faster than taxable alternatives growing at the same rate.
Because taxes are not owed until you begin receiving interest income, you have more control over when you pay taxes. Moreover, you may be in a much lower tax bracket when you begin withdrawing earnings. (Note that no added tax-deferral advantage exists if you purchase an annuity through a qualified plan.)
What matters most isn’t how much you earn, it’s how much you keep after taxes.
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