Allocation Paths (continued)
How Your Money is Put to Work When your Indextra contract is issued, your premium earns the guaranteed minimum interest rate declared by Integrity. On the sweep date (one to 22 days after contract issue), your account value will be allotted among the allocation options as you specified. The first crediting periods begin on the sweep date and end after the number of index years specific to the crediting period. The end of one crediting period marks the beginning of the next. Any interest for the indexed interest options is credited to your account value at the end of a crediting period. No interest is credited on amounts withdrawn before the end of a crediting period. Integrity guarantees the indexed interest rate will never be less than 0%, even if the market index goes down. Flexibility for Money Moves Going Forward Choice is yours at the end of each crediting period and, for money in the fixed interest option, at the end of each index year. You may leave your accumulated value in the same option or transfer it to one or more others. There are no charges for transfers. Transfers from the indexed interest options are not allowed until the end of each crediting period. Transfers from the fixed interest option are not allowed until the end of each index year. As you consider your allocations, keep in mind that past interest rates have no bearing on future ones. New participation rates and, if applicable, interest rate caps for the indexed interest options are declared for each new crediting period. A new interest rate for the fixed interest option is declared each index year. If you transfer into an indexed interest option with a multi-year crediting period — and you already are allocated to that option — unless your current multi-year crediting period is at its end, your transferred value will fund a new multi-year crediting period with its own participation rate and, if applicable, interest rate cap.
Work with your financial professional as you consider your allocation options.
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