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From Integrity Life

Integrity Life MultiVantage® is a single premium deferred annuity with a guaranteed fixed rate.

The Market1

In 2020, fixed-rate deferred annuity sales, including MYGAs, totaled $51.7B, a 9% increase from 2019, and the highest fixed-rate deferred annuity sales since the Great Recession. Sustained market uncertainty in 2020 made fixed annuities appealing to investors seeking safety from market volatility with greater returns than CDs.

Why DPL Likes MultiVantage®

Providing initial guaranteed rate option (GRO) periods of four, five, seven and 10 years, clients can select what works best to achieve their financial goals. Once the initial rate guarantee period has ended, clients can choose to renew for a new guaranteed period, or remain at their current interest rate for an additional year with the following: 

  • The option to move to a longer-term rate and guarantee period 

  • No market value adjustment or withdrawal charge 

  • Partial annuitization

How to Think About Commission-Free Fixed Annuities

When your client needs:

PRINCIPAL PROTECTION: Fixed annuities are typically used for clients nearing or in retirement, as they protect principal from market downturns, yet provide a minimum guaranteed rate of return.

FIXED INCOME: Fixed annuities provide a consistent stream of income for clients that are looking to reliable returns without market risk.

CASH REPLACEMENT: Fixed annuities can be used instead of cash investments, such as CDs or money market funds, to help generate better returns subject to the terms of the contract.3

What's Next?

Learn more about how MultiVantage® can make a difference for your clients. Use our calculator or contact your DPL consultant.

More Materials from Integrity Life

Product information sourced directly from:

1Fixed Annuities On The Rise – IRI Issues First Quarter 2018 Annuity Sales Report. June 2018.

2LIMRA Secure Retirement Institute Forecasts Total Annuity Sales to Improve Through 2019. June 2018.

3Surrender charges, market value adjustments and other contract charges may apply that can reduce the principal.

Guarantees are backed by the financial strength and claims paying ability of the issuing insurance company.

There are risks, fees and charges associated with fixed annuities.

The purchase of an annuity within a retirement plan that already provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefits. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to recommending the purchase of an annuity within a tax-qualified retirement plan. In addition to surrender charges, withdrawals are subject to income tax.

Withdrawals prior to age 59 1/2 may also be subject to a 10% federal tax penalty.


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DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
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