Fixed Annuities

Pension plans and Social Security are likely to meet less than half of an individual's retirement income needs. To accumulate the assets necessary for a comfortable retirement, many people have chosen tax-deferred annuities as an investment option. The tax-deferral feature of a fixed annuity allows your retirement dollars to grow faster, because you earn interest on your principle, interest on your interest, and interest on the money that you would have otherwise paid in taxes.

The Fixed Annuity products offered through Integra Bank guarantee the principal*, so you never receive less than your original investment. Also, the rates are guaranteed, so there is no need to worry about the volatility of the stock market.

Annuities have changed! Our fixed annuities have a variety of withdrawal options available without a surrender charge. Free withdrawal features include terminal illness, nursing home, or disability.

Benefits

Tax Deferral Annuities allow you to defer the taxes on your investments until the money is withdrawn. This powerful feature allows you to earn interest on your principle, interest your interest, and interest on the money that would have been paid in taxes.

Principal Guarantee With our Annuities, your principal is guaranteed.* If you should decide to cancel your annuity contract, you will receive at least 100% of the money initially invested, less any prior withdrawals.

Access to Your Money Each policy allows a variety of options that enable you to access your money without penalty.

Avoidance of Probate Fixed Annuities provide for the contract value to be payable directly to your beneficiaries, avoiding the long and costly process of Probate.

"Income for Life" Option Our annuities allow you to create a lifetime stream or income that can't be outlived.

*Guarantees are backed by the strength of the issuing insurance company. Withdrawals taken prior to age 59 1/2 may be subject to a 10% federal income tax penalty. Equity indexed annuities are not principal guaranteed.

Not FDIC Insured	Not A Deposit	May Go Down In Value	Not Bank Guaranteed
Not Insured By Any Federal Government Agency