Agent Contracting. Please complete the following contracting package and FAX to (toll-free) or
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1 Agent Contracting Please complete the following contracting package and FAX to (toll-free) or AnnuityCommissions.com 28 Harrison Ave., Suite D209 Englishtown, NJ If you have any questions or changes to existing contracts, please contact Hersh Stern at (toll-free) or
2 IMPORTANT Before you may place annuity business with this insurance company you will need to satisfy the following requirements: 1. Current state-specific life insurance license 2. A minimum of $1,000,000 in E&O coverage 3. Completion of LIMRA Anti-Money Laundering Course 4. Completion of applicable state-specific annuity training 5. Completion of applicable company-specific product training
3 COMPLETE all forms, SIGN where indicated and FAX to with a copy of your license and your E&O declaration page. Questions? Please call and ask for Hersh Stern HLS0B ( ) HLS0B ( )
4 sign here
5 COMPLETE all forms, SIGN where indicated and FAX to with a copy of your license and your E&O declaration page. Questions? Please call and ask for Hersh Stern CODE 5
6 sign here
7 sign here
8 Fixed Annuity Commission Schedule IncomeSource (and annuitization of deferred products see reverse for details) 1 1 All options may not be available. Annuitant Issue Age Effective 9/30/ Yr Period Certain 5 9-Yr Temporary Life All Life Payout Options 10 Yr+ Period Certain 10 Yr+ Temporary Life % 3.75% Commission Code: 5 MultiVantage SM Guaranteed Rate Option Older Owner Attained Age Initial or Renewal Contribution 4-Year GRO % 1.50% 1.20% 5-Year GRO % 2.00% 1.70% 7-Year GRO % 2.20% 1.80% 10-Year GRO % 2.70% 2.00% 2 Renewal commissions i available beyond age 89. GRO periods cannot be selected beyond maturity date. New Momentum Annuitant Attained Age 5-, 6-, 7-, 10-Year GROs QIO Enhanced Rate Offering Contributions to Contracts Issued All Years (exception noted in next column) 5.00% 3.00% 2.00% 0.00% Contributions to Contracts Issued 8/1/97 7/1/03 & 6/30/05 3/16/ % 0.50% 0.00% 0.00% SPDA Series II Guarantee Periods Annuitant Issue Age Contributions First Year 1-, 3-, 5- and 7-year % 2.25% This schedule is used in conjunction with the sales agreement between company and agent and supersedes all other addenda or schedules. No commissions will be paid on additional contributions that violate applicable state non-forfeiture laws. Commissions will be paid only to duly licensed and appointed agents or agencies. Commission rates paid according to this commission schedule will be reduced to offset any payments made by company to agency s agents or sub-producers. Product specific rules for commission payments on reverse. CF Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company FINANCIAL PROFESSIONAL USE ONLY ITOOW Last Updated: 7/30/12
9 Momentum Advantage 3 Guaranteed Rate Option Annuitant Attained Age Initial or Renewal Contribution 4-Year GRO Year GRO Year GRO Year GRO Momentum Advantage is closed to new business after 1/30/12 Momentum Advantage renewals only beginning 1/31/12 Rules for Commission Payments Commission rates are expressed as a percentage of the contribution. Commissions are not paid on any contract when an existing Western & Southern Financial Group company contract is surrendered or cancelled to purchase another Western & Southern Financial Group company contract for the same owner. Chargeback Provision: 100% for free-looks, partial withdrawals in excess of the free withdrawal amount and full surrenders: o During the first 12 months of each GRO period for MultiVantage o During the first six months of each contribution for New Momentum o During the first 12 months for SPDA Series II o Based on free-looks only for IncomeSource Renewal commissions for MultiVantage will be paid according to attained age and commission rate in effect at renewal and will be subject to chargeback provisions as mentioned above. This commission schedule reflects a special customer value program providing an enhanced rate for the New Momentum QIO only. Commission rates are subject to immediate change upon written notice. The New Momentum QIO is not available to transfers from any other Integrity or National Integrity fixed or variable annuity. 2.00% 0.50% 2.50% 0.50% 3.00% 1.00% 3.50% 1.50% Momentum Advantage has a 100% chargeback for the first six months for free-looks, partial withdrawals in excess of the free withdrawal amount and full surrenders. Renewal commissions for Momentum Advantage will be paid according to the attained age and commission rate in effect at renewal and will not be subject to chargeback provisions. Commission rules for annuitization are the same as those for New Momentum and SPDA Series II. (See below) Annuitization o Commission, if applicable, will be based on IncomeSource levels at time of annuitization o No trail commissions will be paid on any annuitized contract o For New Momentum and SPDA Series II, commissions are paid for annuitizations occurring in year 6+. If a contract is annuitized during the first year, there will be a commission chargeback equal to the difference between the deferred annuity commission and commission for IncomeSource. o For MultiVantage, full annuitization is permitted after the first contract year in FL, NH, NY, ME and VT or the second year of the current GRO for all other states. Commission is paid for partial and full annuitizations from the 1-year guarantee period. No commission will be paid on annuitizations from a GRO period. o If death of annuitant (death of owner for MultiVantage) on a deferred contract results in annuitization of a death benefit, commissions will be paid at the current annuitization rates. Product and all features may not be available in all states. Fixed annuities are issued by Integrity Life Insurance Company, Cincinnati, OH, or National Integrity Life Insurance Company, Goshen, NY. Integrity operates in DC and all states except ME, NH, NY and VT where National Integrity operates. W&S Financial Group Distributors is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group, Cincinnati, OH. Contract series ICC09 ENT , ICC09 ER , ICC09 ER , ICC09 EE ICC09 EE , ICC09 EE , ENT , ER , ER , INT , INT , INT-10 DBV 0606, INT-10 NDBV 0606, INT-11 DBV 0606, INT-11 NDBV 0606, IR , IR , IR , IR , IE , IE , IE , IE , IE , INT 01-04, INT , INT MSP, I.01-03, I.03-03, INT E, I , NIL NY, NIL NY, INT96 Rev., INT96 FRL, INT95, INT94, INT96 (NM2), INT A, INT 03-09B, 11960CNQ-I-OR, INT 05-09, NIL NY, NIL NY, INT 04-03, NIL NY, NIL NY, INT , ICC11 INT , ICC11 IR , ICC11, ICC11 NIL , NR and ICC11 NR FINANCIAL PROFESSIONAL USE ONLY
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