"
Here's how EIAs work: The money put down by purchasers isn't invested
directly in the stock market but clients are offered a percentage of how much
the index gains over a period of time plus a guaranteed minimum return if the
stock market declines. Privately held with global
revenues of more than $1.

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The schedule
varies with each annuity. Instead, clients are offered a percentage
of how much the index gains over a period of time and a guaranteed minimum
return if the stock market declines.

For more information, visit http://www.

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At predetermined times during the annuity's life,
clients are credited with a percentage of the gain of the index. But how much additional interest you get and when
you get it depends on your particular annuity. The indexing method means the approach used to measure
the amount of change, if any, in the index. market in 1999 through a series of
strategic acquisitions and now serves clients nationwide through a network of
more than 500 company-owned and franchise offices. National Integrity is headquartered
in Goshen , New York.

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Equity Indexed Annuities Serve as Safety Net for Today's Investors

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"This additional feature gives you market similar returns of short-term
CD's, but offers upside exposure if the market bears positive returns in a
particular year or period," said Patton.
Lindholm, President and Chief Executive Officer of Integrity. Integrity
is headquartered in Louisville, Kentucky.

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"Anyone who owns a variable annuity in their portfolio should take a look
at EIAs since it offers protection from downside risk," said Troy Patton,
Fiducial's director of financial services. Some offer annual "indexing," while others use
various averages taken over the life of the annuity. The formula decides how the additional interest, if any, is
calculated and credited.

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, There's no secret why many current
investors are jumping aboard the Equity Indexed Annuities bandwagon these days
because EIAs offer a safety net of a guaranteed minimum return in exchange for
a limit in maximum return which sets them apart from other fixed annuities,
according to Fiducial, a multidisciplinary professional services provider to
small businesses with offices nationwide.
EIAs arrived in the market after insurance product developers were drawn
to the concept of combining the security of a guaranteed return with the
allure of participating in the booming stock market.S.

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Equity Indexed Annuities differ from other fixed annuities in the way
interest is credited to your annuity's value. "This is an advantage of the EIA's as it may return higher amounts
than a laddered bond portfolio. LOUISVILLE , Ky. Financial
representatives and their clients have access to four ETF portfolios, each
entirely composed of iShares(R) ETFs created by Barclays Global Investors,
N.

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If you are still uncertain , start with a
smaller percentage of your portfolio with EIA's until you feel comfortable how
it will work for your particular situation. Markets include broker-dealers,
financial advisors, independent agents and financial institutions.

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"This can alleviate concern for the
client so they have a better opportunity to outpace inflation. Integrity operates in all
states except NY, NH, ME and VT, where National Integrity has operating
authority.

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, For the first time in the annuity
industry, investors can purchase exchange-traded funds (ETFs) within a tax-
deferred variable annuity.

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They provide for a
guarantee of a specific return with the opportunity to return similar amounts
from a leading market index, such as the S+P 500. They're hot since you're
essentially getting market similar returns without market similar risks. Some of the most common indexing
methods include annual reset (ratcheting ), high-water mark and point-to-point.

A. (BGI), one of the world's leaders in the ETF marketplace . The companies specialize in developing and marketing innovative
annuity products and services for individuals with long-term retirement
savings needs and offer a variety of fixed and variable annuities , lifetime
income and other retirement solutions.

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5% on 100% of your investment and gives you the opportunity to earn
8% if the S+P 500 returns 8%. "ETFs just make
sense. They fall right in line with our drive to provide low-cost, high-
quality products.

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"For example, if you invested in a
variable annuity in the S+P 500 Index and the market goes down, your account
balance goes down along with it."
Two factors that have the greatest effect on the amount of additional
interest that may be credited to an EIA are the indexing method and the
participation rate.
"Just like any asset allocation model, EIAs have their place as a part of
the asset allocation of an individual investor ," Patton added. Established in Europe
in 1970, Fiducial entered the U. Backed by our financial
strength and outstanding reputation, these new ETF portfolios will provide
enhanced value for our financial advisors and their clients.
The ETF portfolios utilized by Integrity contain specifically weighted
allocations of iShares(R) Funds.

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fiducial. Now, the millions of people who have chosen to invest in
ETFs can do so within a tax-deferred variable annuity.

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For instance, Patton noted that one common EIA used by Fiducial experts
return 1."

About Fiducial
Fiducial is an international provider of professional business and
financial services to small businesses and individuals. Together , they form four ETF portfolios-
Conservative, Moderate, Aggressive and Enhanced-in order to meet the needs of
a wide range of investors.

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"
Though buying EIAs may feel like a direct investment in the stock market,
Patton noted that it's important for clients to remember that they won't get
the full boost of a rising market.

Integrity Life Insurance Company First to Combine ETFs and Variable Annuities

These investments are usually tied to
a specific investment style or market index, with an objective to track the
index's total return.

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Payment to the client is
based on the claims paying ability of the insurance company offering the
annuity.5% because it
was over a five year time horizon and was using this EIA as part of a laddered
income approach similar to the laddering of bonds commonly used by retirees,"
he said. "If you are
unfamiliar with EIA's you should consult with your advisor to learn as much as
possible about these vehicles.

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But if you own an equity indexed annuity and
the S+P declines you don't lose any money, because these products offer
guarantees starting from a 3% return on 90% of the investor's assets.
While the advantages are clear, when it comes to selecting the EIA that's
right for you the choice may not be so clear cut.

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Most fixed annuities only
credit interest calculated at a rate set in the contract but EIAs credit
interest using a formula based on changes in the index to which the annuity is
linked. You must carefully consider
your own personal situation and how you feel about the choices available
because no single annuity design may have all the features you want.
Financial advisors stress that it may be misleading to compare one annuity to
another unless you compare all the features of each annuity.
"One client in particular that Fiducial served liked the 1.2 billion, the company is the thirteenth largest
accounting firm in the world and the twenty-fifth largest in the country.

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"We're the first to offer ETFs in a variable annuity, and now our
producers can be the first to offer them to their clients," said John R."
ETFs have become enormously popular in recent years due to their broad
diversification and low management fees.

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Another EIA commonly used gives the investor
whatever the market returns with no cap, but takes a 2% spread from how the
market performs.com.

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These products offer guaranteed minimum return and protection from downside
risk

COLUMBIA, Md.
The participation rate decides how much of the increase in the index will be
used to calculate index-related interest. Only then can
you decide what combination of features makes the most sense for you.

Integrity Life Insurance Company, Cincinnati, Ohio , and National Integrity
Life Insurance Company, Goshen, New York, are subsidiaries of The Western and
Southern Life Insurance Company, Cincinnati, Ohio.

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In
short, EIAs offer protection from downside risk. Integrity Life Insurance Company and its New York-
based sister company, National Integrity Life Insurance Company, now offer ETF
fund-of funds portfolios in all of their variable annuities .