Integrity Life Insurance Company is a subsidiary of Western & Southern Financial Group — one of the most financially strong insurance organizations in the United States. Western & Southern holds an A+ (Superior) rating from AM Best, and Integrity Life operates within that financial umbrella as the group’s MYGA-focused distribution entity. For buyers seeking competitive guaranteed rates backed by a parent organization with top-tier financial strength, Integrity Life represents a compelling option in the A-rated MYGA market.
This review covers Integrity Life’s financial strength, product lineup, and contact information.
Integrity Life at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Integrity Life Insurance Company |
| Parent Company | Western & Southern Financial Group |
| Headquarters | Cincinnati, Ohio |
| AM Best Rating | A+ (Superior) — Western & Southern Financial Group |
| Products Offered | MYGAs, Fixed Annuities |
| States Available | Most states (varies by product) |
| Minimum Premium | $2,500 (varies by product) |
Integrity Life’s Financial Strength
Integrity Life Insurance Company operates as part of Western & Southern Financial Group, a Cincinnati-based mutual holding company founded in 1888. Western & Southern holds an A+ (Superior) from AM Best — one of only a handful of insurance groups to hold this designation — with $75+ billion in assets under management across its subsidiary companies.
The Western & Southern umbrella includes several well-known insurance entities: Western-Southern Life Assurance Company, Columbus Life Insurance Company, Gerber Life Insurance Company, and Lafayette Life Insurance Company, among others. Integrity Life is the group’s vehicle for competitive MYGA distribution through the independent agent channel, combining Western & Southern’s institutional financial strength with pricing designed to compete in the open market.
What Types of Annuities Does Integrity Life Offer?
- Multi-Year Guaranteed Annuities (MYGAs): Integrity Life’s MYGA products offer guaranteed fixed rates across multiple term lengths through the independent agent channel. Backed by Western & Southern’s A+ financial strength, these contracts provide competitive yields from one of the highest-rated insurance groups in the country.
- Fixed Annuities: Additional fixed annuity products rounding out the accumulation lineup for conservative buyers.
Integrity Life MYGA Rates
Current Integrity Life MYGA rates from our live rate feed:
Current MYGA Rates
Live rates from AnnuityRateWatch · Rates updated March 26, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
MultiVantage 4
AM Best A+ |
4 Years | 3.35% | $20,000+ | Mar 1, 2026 | View Details → |
|
New Momentum 5
AM Best A+ |
5 Years | 3.55% | $5,000+ | Mar 1, 2026 | View Details → |
|
MultiVantage 5
AM Best A+ |
5 Years | 3.45% | $20,000+ | Mar 1, 2026 | View Details → |
|
New Momentum 6
AM Best A+ |
6 Years | 3.25% | $5,000+ | Mar 1, 2026 | View Details → |
|
SPDA Series II 7
AM Best A+ |
7 Years | 3.5% | $3,000+ | Mar 1, 2026 | View Details → |
|
MultiVantage 7
AM Best A+ |
7 Years | 3.45% | $20,000+ | Mar 1, 2026 | View Details → |
|
New Momentum 7
AM Best A+ |
7 Years | 3.35% | $5,000+ | Jan 1, 2026 | View Details → |
|
New Momentum 7
AM Best A+ |
7 Years | 3.3% | $5,000+ | Mar 1, 2026 | View Details → |
|
MultiVantage 10
AM Best A+ |
10 Years | 3.7% | $20,000+ | Mar 1, 2026 | View Details → |
|
New Momentum 10
AM Best A+ |
10 Years | 3.55% | $5,000+ | Jan 1, 2026 | View Details → |
|
New Momentum 10
AM Best A+ |
10 Years | 3.45% | $5,000+ | Mar 1, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Who Is Integrity Life Best For?
- Rate-conscious buyers who want A+ financial backing: Integrity Life is unusual in the MYGA market — most carriers offering the most competitive rates hold A or A- ratings, not A+. Finding A+ financial strength at competitive rate levels makes Integrity Life a standout for buyers who refuse to trade down on ratings for yield.
- Buyers familiar with the Western & Southern brand: Consumers who know Western & Southern through other products — life insurance, annuities through Columbus Life — can confidently extend that relationship to Integrity Life’s MYGA products.
- Independent agent channel buyers: Integrity Life distributes through independent agents and advisors, making it accessible through any independent annuity specialist.
Contact Integrity Life / Western & Southern
| Contact Method | Details |
|---|---|
| Website | www.westernsouthern.com |
| Customer Service | 1-888-343-9100 |
| Mailing Address | Integrity Life Insurance Company 400 Broadway Cincinnati, OH 45202 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. ET |
Compare Integrity Life Against Other Carriers: My Annuity Store compares Integrity Life alongside MassMutual, Athene, North American, and 20+ other top-rated carriers. Get a free comparison quote or call 855-583-1104.
