National Integrity Life Insurance
Indextra Ny 5 Year
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
5 years
Top yield
4.20%
A.M. Best
A+
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| Fixed Interest Option: Multi-Year | Fixed | 4.20% | — | — | 4.20% |
| Fixed Interest Option: Multi-Year | Fixed | 4.10% | — | — | 4.10% |
| Fixed Interest Option: 1 Year | Fixed | 4.45% | — | — | 2.89% |
| Fixed Interest Option: 1 Year | Fixed | 4.35% | — | — | 2.87% |
| S&P 500 Index: 1-Year Performance Triggered | Performance Triggered | — | 6.25% | — | 2.19% |
| S&P 500 Index: 1-Year Performance Triggered | Performance Triggered | — | 6.50% | — | 2.19% |
| S&P 500 Index: 1-Year Point-to-Point Cap | Point to Point | — | 7.50% | — | 2.19% |
| S&P 500 Index: 1-Year Point-to-Point Cap | Point to Point | — | 7.75% | — | 2.19% |
| S&P 500 Index: 1-Year Point-to-Point Cap Lock | Point to Point | — | 6.25% | — | 2.19% |
| S&P 500 Index: 1-Year Point-to-Point Cap Lock | Point to Point | — | 6.50% | — | 2.19% |
Surrender Schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Product Specifications
- Minimum premium (non-qualified)
- $15,000
- Minimum premium (qualified)
- $15,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- false
- Return of premium
- false
- States available
- 1 states
From the National Integrity Life Insurance product brochureper brochure, 2026-07-23
- Death Benefit
- Greater of account value (plus interest credited as if the crediting period ended on the date of death) or Minimum Accumulation Value (MAV) on the date the death benefit is processed. No withdrawal charge applies.
- Minimum Guaranteed Surrender Value
- Not a stated percentage of premium; guaranteed via Minimum Accumulation Value (MAV) = premium plus interest credited at a contractually declared GMIR of 1.00%-3.00% (redetermined after the withdrawal charge period and annually thereafter), less withdrawals and charges. Carrier illustrates MAV at approximately 105%+ of premium by contract year 5 (1% GMIR assumed).
- RMD Treatment
- RMD-friendly: surrender charges waived on IRS required minimum distributions.
- Withdrawal Provisions
- Amounts withdrawn from indexed interest options before the end of a crediting period receive no interest credit for that period. Withdrawals reduce contract value and the death benefit. Withdrawal charge (on amounts above the 10% free amount) is additionally waived, with prior notification, for: limited life expectancy (12 months or fewer, post-issue diagnosis), confinement to a nursing home/hospital/licensed health care facility (60+ consecutive days, on/after first anniversary), and required minimum distributions.
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.