Integrity Life Insurance Company Annuity Review (2026)

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

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:

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.

Integrity Life Pros and Cons

Here is a balanced look at Integrity Life’s strengths and limitations for annuity buyers:

Pros

• Strong financial backing with an A+ (Superior) AM Best rating
• Offers MYGA products with guaranteed rates and predictable returns
• Available through independent agents, allowing side-by-side comparisons with other carriers

Cons

• Rates vary by product and term, so comparison shopping is always recommended
• Product availability varies by state, so not all products may be offered where you live
• Surrender charges apply during the contract term, which limits liquidity

Frequently Asked Questions About Integrity Life

Is Integrity Life a safe company for annuities?

Integrity Life holds an A-range AM Best rating (A+ (Superior), Western & Southern Financial Group), which indicates a strong ability to meet ongoing policyholder obligations. In addition, annuity contracts are backed by your state guaranty association, which provides a secondary layer of protection typically covering $250,000 per contract. Always verify both the current rating and your state’s coverage limits.

What types of annuities does Integrity Life offer?

Integrity Life offers MYGAs through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Integrity Life and competing carriers.

How do I buy an annuity from Integrity Life?

Integrity Life annuities are sold through licensed insurance agents and financial advisors. My Annuity Store is an independent platform that can quote Integrity Life alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.

How Does Integrity Life Compare to Other Carriers?

The annuity marketplace in 2026 is competitive, with dozens of carriers vying for your business. Before committing to any single carrier, it pays to compare at least three to five options side by side. Key factors to evaluate include:

• AM Best financial strength rating – look for A- or higher for maximum peace of mind
• Guaranteed interest rate and term – even a 0.10% difference compounds significantly over a 5- to 10-year contract
• Surrender charge schedule – understand when you can access your money penalty-free
• Free withdrawal provisions – most carriers allow 10% annual withdrawals without penalty

Our live rate comparison tool shows current rates from Integrity Life and all competing carriers updated daily. You can also request a personalized comparison from our team.

Contact Integrity Life / Western & Southern

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.