Is Integrity Life a good annuity company?
Yes, and it fills a fairly narrow niche well. Integrity Life belongs to Western & Southern Financial Group, a Cincinnati-based mutual holding company that AM Best rates A+ (Superior), a tier most rate-competitive MYGA sellers do not reach. Integrity Life exists specifically to bring that institutional strength to the independent agent channel with pricing built to compete, rather than to sit at the top of the ratings table while trailing on yield. If you want A+ financial backing without giving up meaningfully on rate, Integrity Life is one of the few carriers built for exactly that combination.
Integrity Life at a glance
| Legal name | Integrity Life Insurance Company |
|---|---|
| Parent company | Western & Southern Financial Group |
| Parent founded | 1888, Cincinnati, Ohio |
| Headquarters | Cincinnati, Ohio |
| AM Best rating | A+ (Superior), via Western & Southern Financial Group |
| Other ratings | AA- from S&P and AA- from Fitch, also via Western & Southern |
| What it sells | MYGAs and fixed annuities |
| Typical minimum premium | $2,500, varies by product |
Where Integrity Life sits on the AM Best scale
A+ is grade 2 of 13. Most buyers look for A- or better for a long-term contract.
- A++
- A+Integrity Life
- A
- A-
- B++
- B+
- B
- B-
- C++
- C+
- C
- C-
- D
Today's rates for Integrity Life
Rates change often and vary by state, term and deposit size. Get today's numbers for your state, side by side with other top-rated carriers. Free, with no obligation.
Integrity Life's connection to Western & Southern
Cincinnati-based Western & Southern Financial Group owns Integrity Life. The mutual holding company has been in continuous operation since 1888, and today oversees more than $75 billion in assets spread across a family of insurers. That family includes Western-Southern Life Assurance, Gerber Life, Lafayette Life and Columbus Life, among others. AM Best rates the whole group A+ (Superior), a designation only a small number of insurance organizations in the country carry.
Within that structure, Integrity Life serves a specific purpose: distributing competitively priced MYGAs to the independent agent channel while carrying the financial weight of the entire Western & Southern group behind it. That is a somewhat unusual pairing. Most carriers offering the sharpest MYGA rates hold A- ratings rather than A+, since a slightly lower rating typically comes with a bit more pricing flexibility. Integrity Life is built to compete on rate without stepping down a tier in strength.
How does Integrity Life's rating hold up?
Because Integrity Life's financial backing flows from Western & Southern's A+ (Superior) AM Best rating, buyers get the benefit of a large, diversified insurance group's balance sheet rather than a single smaller carrier's. That is meaningfully different from most standalone MYGA specialists, which typically operate with a narrower capital base of their own. As with any rating, confirm the current figure on AM Best's site, since group ratings can shift as the parent organization's business mix changes.
Your state's life and health guaranty association adds a further layer of protection up to a state-set limit if any insurer cannot meet its obligations. Treat it as a backstop behind the carrier's own strength, not a substitute for checking the rating.
What does Integrity Life sell?
Integrity Life's shelf runs to multi-year guaranteed annuities under names like MultiVantage and New Momentum, with terms that have run from 4 to 10 years, plus additional fixed annuity products that round out the accumulation lineup. Every contract locks a fixed rate for its full term and grows tax-deferred until you withdraw funds. Minimum premiums start around $2,500, though the exact figure depends on the specific product and your state.
Who fits Integrity Life best?
Integrity Life is a strong match for buyers who refuse to trade financial strength for yield but still want a genuinely competitive rate, since finding both in the same contract is unusual in the MYGA market. It also fits anyone already familiar with the Western & Southern name through a life insurance policy or another subsidiary, since choosing Integrity Life keeps that relationship under one financial umbrella. Buyers distributed through the independent agent channel will find it straightforward to access, since that is the primary way Integrity Life reaches the market.
How to buy an Integrity Life annuity
Integrity Life sells exclusively through independent agents and advisors, not directly to the public. A licensed strategist can pull current MultiVantage and New Momentum rates for your state, compare them against other A-rated and A+ rated MYGA carriers such as Athene and North American, and help you complete the paperwork, including any 1035 exchange or IRA rollover, once you settle on a term.
Other annuity companies to consider
If you are comparing Integrity Life on strength and rate together, these carriers are worth pricing too:
- Western & Southern: the parent group behind Integrity Life's rating
- MassMutual: another A++ rated mutual carrier with competitive MYGA options
- Athene: a large, rate-competitive carrier often compared in the same MYGA searches
- North American: an A+ rated carrier with a broad MYGA and index lineup
Pros and cons
Pros
- Backed by Western & Southern Financial Group, rated A+ (Superior) by AM Best
- A+ institutional strength behind rates built to compete in the open market
- A rare pairing: A+ backing at rate levels usually seen from A- carriers
- Part of an organization that has operated continuously since 1888
Cons
- Less brand recognition among consumers than carriers like MassMutual or New York Life
- A MYGA-focused lineup, with no fixed index or income annuity to move into later
- Rated through its parent group rather than carrying its own standalone agency rating
Frequently asked questions
How secure is a contract with Integrity Life?
Its parent, Western & Southern Financial Group, carries an A+ (Superior) grade from AM Best, a strong signal of the group's long-term ability to pay claims. A state guaranty association layers on further protection, up to a limit your state sets, if an insurer cannot meet its obligations. Since both numbers can move, check the current rating and your own state's limit before you fund anything.
What products can I buy from Integrity Life?
The shelf is limited to multi-year guaranteed and other fixed annuities, distributed only through independent agents and advisors. Exact terms and minimum deposits shift by state, so pull current specifics for where you live rather than assuming an older figure still holds.
Who sells Integrity Life annuities?
Only licensed agents and advisors handle these contracts; there is no direct-to-consumer purchase path. Going through an independent strategist means you can line up Integrity Life's current pricing next to other A-rated and A+ rated competitors before settling on a term.
Written and reviewed by
James Forren Warren
Licensed Retirement Income Strategist · License #20551202
James Forren Warren is a licensed Retirement Income Strategist with Tax Free Wealth Plan. For the past five years he has helped individuals and families turn their savings into retirement income they can count on. He writes and reviews the annuity research on this site and keeps it plain: what a product does, what it costs you, and who it actually fits.
Sources
Educational only, not investment, tax or legal advice. Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer. Annuities are not bank deposits, are not FDIC insured and are not guaranteed by any government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Features, rates and availability vary by state and change over time; the contract and disclosure documents govern.
