Correspondence Filing VIA EDGAR
April 3, 2007
William J. Kotapish, Esq.
Chief, Office of Insurance Products
Division of Investment Management
Securities and Exchange Commission
100 F. Street N.E.
Washington, D.C. 20549
RE: Separate Account II of Integrity Life Insurance Company
Response to SEC comments on Amendment Number 27 to Registration Statement
File Numbers 033-51268 and 811-07134, filed on February 12, 2007
Dear Mr. Kotapish:
This letter is in response to comments from the Securities and Exchange
Commission staff ("Commission" or "Staff") received on March 28, 2007 on
Post-Effective Amendment Number 27 to the above referenced registration
statement of Integrity Life Insurance Company (Integrity). The Staff's comments
are restated below and each one has been addressed.
1. Correct the Highest Possible Total Separate Account Annual Expenses, which
should be 2.15%. Done. See relevant pages of the Pinnacle V prospectus
filed as Addendum 1 to this letter.
2. Disclose the duration on the fee waivers noted in footnotes 6 and 8 to the
Total Annual Portfolio Operating Expenses Table. Done. See relevant pages
of the Pinnacle V prospectus filed as Addendum 1 to this letter.
3. In Part C, correct the references to registration statement 333-44876.
Done. See relevant pages of Part C filed as Addendum 2 to this letter.
Registrants will include the revisions from Addenda 1 and 2 to this letter in
its 485(b) filing to be made on or about April 20, 2007, subject to any
additional comments the Staff may have. We hope these responses address the
Staff's concerns.
In connection with the forgoing we acknowledge that: (i) Integrity is
responsible for the adequacy and accuracy of the disclosure in its registration
statements; (ii) the comments of the Commission's staff, or changes to
disclosures in the registration statements in response to the comments of the
Commission's staff does not foreclose the Commission from taking any action with
respect to the registration statements; and (iii) Integrity may not assert the
comments of the Commission's staff as a defense in any proceeding initiated by
the Commission or any person under the federal securities laws of the United
States.
If there are any questions, please do not hesitate to call me at 513-629-1854.
Sincerely,
/s/ Rhonda S. Malone
Associate Counsel - Securities
Western & Southern Financial Group
Copy: Alison T. White, Esq. via overnight mail
Addendum 1 to Correspondence Filing April 3, 2007
Relevant pages of the Integrity Life Insurance Company Pinnacle V prospectus:
Part 1 - Fees and Expense Tables and Summary
The following tables describe the fees and expenses that you will pay when
buying, owning, withdrawing from and surrendering the contract.(1)
The first table describes the fees and expenses that you will pay at the time
you buy the contract, withdraw from or surrender the contract, or transfer cash
value among Investment Options. State premium tax may also be deducted.(2)
Contract Owner Transaction Expenses
---------------------------------------------------------- -----------------
Maximum Deferred Sales Load (Withdrawal Charge) as 8%
a percentage of contributions(3)
---------------------------------------------------------- -----------------
Transfer Charge (for each transfer after 12 $20
transfers in one Contract Year)(4)
---------------------------------------------------------- -----------------
The following tables describe the fees and expenses that you will pay
periodically during the time that you own the contract, not including Total
Annual Portfolio Operating Expenses.
Annual Administrative Charge
---------------------------------------------------------- -----------------
Annual Administrative Charge(5) $30
---------------------------------------------------------- -----------------
Separate Account Annual Expenses as a percentage of value charged
---------------------------------------------------------- -----------------
Mortality and Expense Risk Charge(6) 1.55%
---------------------------------------------------------- -----------------
Optional Enhanced Earnings Benefit 0.50%
Charge (maximum charge)(7)
---------------------------------------------------------- -----------------
Optional Guaranteed Minimum Accumulation Benefit Charge(8) 0.60%
---------------------------------------------------------- -----------------
Optional Guaranteed Minimum Withdrawal Benefit Charge(9) 0.60%
---------------------------------------------------------- -----------------
Highest Possible Total Separate Account Annual Expenses(10) 2.15%
---------------------------------------------------------- -----------------
- -----------------
(1) Expenses for prior versions of the contract are located in Part 10, Prior
Contracts.
(2) State premium taxes currently range from 0 to 4%.
(3) Withdrawal charges decrease based on the age of each contribution.
See Part 4.
(4) This charge does not apply to transfers made in the Dollar Cost Averaging,
Customized Asset Rebalancing, or Systematic Transfer programs.
(5) This charge will be waived if the Account Value is at least $50,000 on the
last day of the Contract Year.
(6) Assessed daily on the amount allocated to the Variable Account Options
(7) Assessed quarterly to the Account Value and is based on the Annuitant's age
on the Contract Date:
------------------------- ------------------------------ -----------------------------------------
Age Charge at annual effective Total Charge to Variable Account
rate Options
------------------------- ------------------------------ -----------------------------------------
59 or less 0.20% 1.75%
------------------------- ------------------------------ -----------------------------------------
60-69 0.40% 1.95%
------------------------- ------------------------------ -----------------------------------------
70-79 0.50% 2.05%
------------------------- ------------------------------ -----------------------------------------
(8) Assessed daily on the amount allocated to your GMAB Investment Options
(9) Assessed annually based on the Adjusted GWB. See Part 6
(10) You may elect only one of the optional benefits: EEB, GMAB or the GMWB.
Therefore the highest possible total separate account annual charges
reflect the election of one of the two benefits with the higher cost.
The following table shows the total operating expenses charged by the Portfolios
that you will pay periodically during the time you own the contract. More detail
concerning each Portfolio's fees and expenses is contained in the prospectus for
each Portfolio. The range of expenses (prior to reimbursements and fee waivers)
that are deducted from the Portfolios' assets, including management fees,
distribution or 12b-1 fees and other expenses are:
Minimum: 0.35% Maximum: 1.98%
Total Annual Portfolio Operating Expenses
Gross Portfolio annual expenses prior to any waivers and reimbursements as a
percentage of average net assets in each Portfolio:
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Manage- Acquired Total
Portfolio ment 12b-1 Other Fund Annual
Fees Fee Expenses Expenses Expenses
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
DWS Small Cap Index VIP Fund, Class B(1) 0.45% 0.25% 0.05% N/A 0.75%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Asset Manager Portfolio, Service Class 2 (2) 0.52% 0.25% 0.15% N/A 0.92%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Balanced Portfolio, Service Class 2 (3) 0.42% 0.25% 0.20% N/A 0.87%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Contrafund Portfolio, Service Class 2 (2) 0.57% 0.25% 0.09% N/A 0.91%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Disciplined Small Cap Portfolio, Service Class 2 (4),(5) 0.71% 0.25% 0.73% N/A 1.69%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Dynamic Capital Appreciation Portfolio, Service Class 2 (3) 0.56% 0.25% 0.24% N/A 1.05%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Equity-Income Portfolio, Service Class 2 0.47% 0.25% 0.10% N/A 0.82%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Freedom 2010 Portfolio, Service Class 2 N/A 0.25% N/A 0.57% 0.82%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Freedom 2015 Portfolio, Service Class 2 N/A 0.25% N/A 0.61% 0.86%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Freedom 2020 Portfolio, Service Class 2 N/A 0.25% N/A 0.64% 0.89%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Freedom 2025 Portfolio, Service Class 2 N/A 0.25% N/A 0.65% 0.90%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Freedom 2030 Portfolio, Service Class 2 N/A 0.25% N/A 0.68% 0.93%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Growth Portfolio, Service Class 2 (2) 0.57% 0.25% 0.12% N/A 0.94%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Growth & Income Portfolio, Service Class 2 (2) 0.47% 0.25% 0.13% N/A 0.85%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Growth Opportunities Portfolio, Service Class 2 (3) 0.57% 0.25% 0.17% N/A 0.99%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP High Income Portfolio, Service Class 2 0.57% 0.25% 0.15% N/A 0.97%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Index 500 Portfolio, Service Class 2 (6) 0.10% 0.25% 0.00% N/A 0.35%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Investment Grade Bond Portfolio, Service Class 2 0.32% 0.25% 0.12% N/A 0.69%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Mid Cap Portfolio, Service Class 2 (2) 0.57% 0.25% 0.11% N/A 0.93%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Fidelity VIP Overseas Portfolio, Service Class 2 (2) 0.72% 0.25% 0.16% N/A 1.13%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Franklin Growth and Income Securities Fund, Class 2 (7) 0.49% 0.25% 0.05% N/A 0.79%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Franklin Income Securities Fund, Class 2 (7) 0.46% 0.25% 0.01% N/A 0.72%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Franklin Large Cap Growth Securities Fund, Class 2 (7) 0.72% 0.25% 0.04% N/A 1.01%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Franklin Small Cap Value Securities Fund, Class 2 (8), (9) 0.51% 0.25% 0.17% 0.03%(8) 0.96%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Mutual Shares Securities Fund, Class 2 0.60% 0.25% 0.21% N/A 1.06%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Templeton Foreign Securities, Class 2 (8),(10) 0.63% 0.25% 0.15% 0.03%(8) 1.06%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
FTVIPT Templeton Growth Securities, Class 2 (7) 0.74% 0.25% 0.04% N/A 1.03%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Balanced Fund(11) 0.80% 0.00% 0.53% N/A 1.33%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Baron Small Cap Fund(11) 1.05% 0.00% 0.50% N/A 1.55%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Core Bond Fund(11) 0.55% 0.00% 0.46% N/A 1.01%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Eagle Capital Appreciation Fund(11) 0.75% 0.00% 0.48% 0.01% 1.24%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Enhanced Dividend 30 Fund(11) 0.65% 0.00% 0.55% N/A 1.20%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Growth & Income Fund(11) 0.80% 0.00% 0.51% 0.02% 1.33%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST High Yield Fund(11) 0.50% 0.00% 0.48% N/A 0.98%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Mid Cap Growth Fund(11) 0.80% 0.00% 0.48% N/A 1.28%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Money Market Fund, Service Class(11) 0.18% 0.25% 0.25% N/A 0.68%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Third Avenue Value Fund(11) 0.79% 0.00% 0.36% 0.02% 1.17%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Value Plus Fund(11) 0.75% 0.00% 0.69% 0.01% 1.45%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Aggressive ETF Fund, Service Class (11), (12) 0.40% 0.25% 0.53% 0.20% 1.38%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Manage- Acquired Total
Portfolio ment 12b-1 Other Fund Annual
Fees Fee Expenses Expenses Expenses
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Conservative ETF Fund, Service Class(11), (12) 0.40% 0.25% 0.76% 0.18% 1.59%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Enhanced ETF Fund, Service Class (11), (12) 0.40% 0.25% 0.20% 0.26% 1.11%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Touchstone VST Moderate ETF Fund, Service Class(11), (12) 0.40% 0.25% 0.37% 0.20% 1.22%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Van Kampen LIT Comstock Portfolio, Class II 0.56% 0.25% 0.03% N/A 0.84%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Van Kampen LIT Strategic Growth Portfolio, Class II 0.70% 0.25% 0.08% N/A 1.03%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Van Kampen UIF Emerging Markets Debt Portfolio, Class II(1)(3) 0.75% 0.35% 0.35% N/A 1.45%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Van Kampen UIF Emerging Markets Equity Portfolio, Class II(13) 1.23% 0.35% 0.40% N/A 1.98%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
Van Kampen UIF U.S. Real Estate Portfolio, Class II(13) 0.73% 0.35% 0.28% N/A 1.36%
- ------------------------------------------------------------------------ ----------- ----------- ----------- ----------- -----------
(1) Includes 0.10% administration fee.
(2) A portion of the brokerage commissions that each Fidelity VIP Portfolio
pays may be reimbursed and used to reduce that portfolio's expenses. In
addition, through arrangements with the Portfolios' custodian, credits
realized as a result of uninvested cash balances are used to reduce the
portfolio's custodian expenses. Including these reductions, the total class
operating expenses for these Portfolios would have been as set forth in the
table in below. These offsets may be discontinued at any time.
-------------------------------------------- ---------------------------------------
Fidelity VIP Portfolio Net Total Expenses after Arrangements
Described Above
-------------------------------------------- ---------------------------------------
Asset Manager, Service Class 2 0.90%
-------------------------------------------- ---------------------------------------
Contrafund, Service Class 2 0.90%
-------------------------------------------- ---------------------------------------
Growth, Service Class 2 0.92%
-------------------------------------------- ---------------------------------------
Growth & Income, Service Class 2 0.84%
-------------------------------------------- ---------------------------------------
Mid Cap, Service Class 2 0.91%
-------------------------------------------- ---------------------------------------
Overseas, Service Class 2 1.06%
-------------------------------------------- ---------------------------------------
(3) A portion of the brokerage commissions that the portfolio pays may be
reimbursed and used to reduce the portfolio's expenses. Including this
reduction, the total class operating expenses for these portfolios would
have been as set forth in the table below. These offsets may be
discontinued at any time.
------------------------------------------------------ ---------------------------------------
Fidelity VIP Portfolio Net Total Expenses after Arrangements
Described Above
------------------------------------------------------ ---------------------------------------
Balanced, Service Class 2 0.84%
------------------------------------------------------ ---------------------------------------
Dynamic Capital Appreciation, Service Class 2 1.04%
------------------------------------------------------ ---------------------------------------
Growth Opportunities, Service Class 2 0.94%
------------------------------------------------------ ---------------------------------------
(4) The portfolio's manager has voluntarily agreed to reimburse the class
to the extent that the total operating expenses (excluding interest, taxed
certain security lending costs, brokerage commissions and extraordinary
expenses) as a percentage of its average net assets, exceed 1.25%. This
arrangement can be discontinued by the fund's manger at any time.
(5) Through arrangements with the Portfolios' custodian, credits realized
as a result of uninvested cash balances are used to reduce the portfolio's
custodian expenses. Including these reductions, the total class operating
expenses for these Portfolios would have been 1.23%. These offsets may be
discontinued at any time.
(6) Management fees for the portfolio have been reduced to 0.10%, and class
expenses are limited to 0.35% (these limits do not apply to interest,
taxes, brokerage commissions, security lending fees, or extraordinary
expenses). This expense limit may not be increased without approval of the
portfolio's shareholders and board of trustees. Thus, the expense limit is
required by contract and is not voluntary on the fund manager's part. This
expense limit may be discontinued at any time.
(7) The portfolio administration fee is paid indirectly through the
management fee.
(8) The manager has agreed in advance to reduce its fee from assets
invested by the portfolio in a Franklin Templeton money market fund (the
acquired fund) to the extent that the portfolio's fees and expenses are due
to those of the acquired fund. This reduction is required by the Trust's
board of trustees and an exemptive order of the SEC and will remain in
place until April 30, 2008.
(9) Net total annual portfolio expenses after management and administration
fee reductions were 0.93%.
(10) Net total annual portfolio expenses after management and
administration fee reductions were 1.03%.
(11) The advisor has contractually agreed until at least December 31, 2007
to waive a portion of its advisory fee and/or reimburse certain fund
expenses in order to limit net expenses as follows:
---------------------------------- ----------------------------------- ------------------------------------
Touchstone Variable Series Net Total Expenses after Waivers Net Total Expenses after Waivers
Trust Portfolio and Reimbursements with Acquired and Reimbursements without
Fund Expenses Acquired Fund Expenses
---------------------------------- ----------------------------------- ------------------------------------
Balanced 0.90% 0.90%
---------------------------------- ----------------------------------- ------------------------------------
Baron Small Cap 1.65% 1.65%
---------------------------------- ----------------------------------- ------------------------------------
Core Bond 0.75% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
Eagle Capital Appreciation 1.06% 1.05%
---------------------------------- ----------------------------------- ------------------------------------
Enhanced Dividend 30 0.75% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
Growth & Income 0.87% 0.85%
---------------------------------- ----------------------------------- ------------------------------------
High Yield 0.80% 0.80%
---------------------------------- ----------------------------------- ------------------------------------
Mid Cap Growth 1.15% 1.15%
---------------------------------- ----------------------------------- ------------------------------------
---------------------------------- ----------------------------------- ------------------------------------
Money Market, Service Class 0.54% 0.54%
---------------------------------- ----------------------------------- ------------------------------------
Third Avenue Value 1.07% 1.05%
---------------------------------- ----------------------------------- ------------------------------------
Value Plus 1.16% 1.15%
---------------------------------- ----------------------------------- ------------------------------------
Aggressive ETF, Service Class 0.95% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
Conservative ETF, Service Class 0.93% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
Enhanced ETF, Service Class 1.01% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
Moderate ETF, Service Class 0.95% 0.75%
---------------------------------- ----------------------------------- ------------------------------------
(12) The Service Class shares began operations in July, 2006. Integrity and
Touchstone Advisors have agreements which provide that Integrity is
responsible for payment of expenses exceeding the expense caps on the ETF
Portfolios.
(13) The fees disclosed reflect gross ratios prior to any voluntary
waivers/reimbursements of expenses by the advisor. The advisor has
voluntarily agreed to waive a portion or all of its management fee and/or
reimburse expenses to the extent necessary so that total annual operating
expenses, excluding certain investment related expenses such as foreign
country tax expense and interest expense on borrowing, do not exceed the
1.35% for Emerging Markets Debt, Class II, 1.65% for the Emerging Markets
Equity, Class II and 1.35% for U.S. Real Estate, Class II. The advisor may
terminate these voluntary waivers at any time at its sole discretion.
Additionally the distributor has agreed to waive a portion of the 12b-1 fee
for Class II shares. The distributor may terminate these voluntary waivers
at any time at its sole discretion.
Addendum 2 to Correspondence Filing April 2, 2007
INT Sep Acct II February 2007
Relevant Pages of PART C - Other Information
Item 24. Financial Statements and Exhibits
(a) Financial Statements included in Part A:
Condensed Financial Information for the Portfolios
Financial Statements included in Part B*:
Integrity Life Insurance Company Separate Account II:
Report of Independent Registered Public Accounting Firm
Statements of Assets and Liabilities as of December 31, 2006
Statements of Operations for the Year Ended December 31, 2006
Statements of Changes in Net Assets for the Years Ended December 31, 2006
and 2005
Notes to Financial Statements
Integrity Life Insurance Company (Depositor):
Report of Independent Registered Public Accounting Firm
Balance Sheets (Statutory-Basis) as of December 31, 2006 and 2005
Statements of Operations (Statutory-Basis) for the Years Ended December
31, 2006 and 2005
Statements of Changes in Capital and Surplus (Statutory-Basis) for the
Years Ended December 31, 2006 and 2005
Statements of Cash Flow (Statutory-Basis) for the Years Ended December
31, 2006 and 2005
Notes to Financial Statements (Statutory-Basis)
The Western and Southern Life Insurance Company (Guarantor):
Report of Independent Registered Public Accounting Firm
Balance Sheets (Statutory-Basis) as of December 31, 2006 and 2005
Statements of Operations (Statutory-Basis) for the Years Ended December
31, 2006 and 2005
Statements of Changes in Capital and Surplus (Statutory-Basis) for
the Years Ended December 31, 2006 and 2005
Statements of Cash Flow (Statutory-Basis) for the Years Ended December
31, 2006 and 2005
Notes to Financial Statements (Statutory-Basis)
* The financial statements listed in this item will be included in a 485(b)
filing in April 2007.
(b) Exhibits:
The following exhibits are filed herewith or incorporated by reference as
indicated:
1. Resolutions of the Board of Directors of Integrity Life Insurance Company
(Integrity) authorizing the establishment of Separate Account II, the
Registrant. Incorporated by reference to Registrant's Post-Effective
Amendment No.11 to registration statement on Form N-4 (File No. 333-44876)
filed on July 19, 2006.
2. Not applicable.
3.
a. Form of Selling/General Agent Agreement between Integrity and broker
dealers. Incorporated by reference to Registrant's Post-Effective
Amendment No.11 to registration statement on Form N-4 (File No.
333-44876) filed on July 19, 2006.
b. Form of Variable Contract Principal Underwriter Agreement with
Touchstone Securities Corporation dated January 1, 2006, filed
herewith.
4.
a. Form of variable annuity contract. Incorporated by reference to
Registrant's Post-Effective Amendment No.11 to registration statement
on Form N-4 (File No. 333-44876) filed on July 19, 2006.
b. Form of Guaranteed Minimum Accumulation Benefit Rider, incorporated by
reference from post-effective amendment 25 to Registrant's form N-4
registration statement (File No. 33-51268), filed February 17, 2006.
1
c. Form of Guaranteed Minimum Withdrawal Benefit and Schedule Page, filed
herewith.
5. Form of application. Incorporated by reference to Registrant's
Post-Effective Amendment No.11 to registration statement on Form N-4 (File
No. 333-44876) filed on July 19, 2006.
6.
a. Certificate of Incorporation of Integrity. Incorporated by reference
to Registrant's Post-Effective Amendment No.11 to registration
statement on Form N-4 (File No. 333-44876) filed on July 19, 2006.
b. By-Laws of Integrity. Incorporated by reference to Registrant's
Post-Effective Amendment No.11 to registration statement on Form N-4
(File No. 333-44876) filed on July 19, 2006.
7. Reinsurance Agreement between Integrity and Connecticut General Life
Insurance Company (CIGNA) effective January 1, 1995. Incorporated by
reference from Registrant's Form N-4 registration statement (File No.
33-56654), filed on May 1, 1996.
8.
a. Form of Participation Agreement among Variable Insurance Products
Fund, FDC and Integrity, dated February 1, 1997. Incorporated by
reference from Form N-4 registration statement of Separate Account I
of Integrity (File No. 33-56658), filed on May 1, 1997.
b. Form of Participation Agreement among Franklin Templeton Variable
Insurance Products Trust, Franklin Templeton Distributor, Inc.,
Touchstone Securities, Inc. and Integrity dated January 6, 2003,
incorporated by reference from post-effective amendment 25 to
Registrant's form N-4 registration statement (File No. 33-51268),
filed February 17, 2006.
c. Form of Participation Agreement between JPM Series Trust II and
Integrity. Incorporated by reference to Registrant's Form N-4
registration statement (File No. 33-51268) filed on April 28, 1999.
d. Form of Participation Agreement between MFS Variable Insurance Trust,
Massachusetts Financial Services Company and Integrity, incorporated
by reference to Registrant's registration statement on Form N-4 (File
No. 33-51268) filed April 28, 2000.
e. Form of Participation Agreement among Putnam Variable Trust, Putnam
Retail Management, Inc. and Integrity dated January 1, 2001
incorporated by reference from post-effective amendment 25 to
Registrant's form N-4 registration statement (File No. 33-51268),
filed February 17, 2006.
f. Form of Participation Agreement among Touchstone Variable Series Trust
and Integrity dated April 30, 2001 incorporated by reference to
Registrant's registration statement on Form N-4 (File No. 033-56654)
filed October 15, 2001.
g. Form of Participation Agreement among Deutsche Asset Management VIT
Funds, Deutsche Asset Management, Inc. and Integrity dated October 2,
1997, amended May 1, 2001 and May 1, 2002, incorporated by reference
from post-effective amendment 25 to Registrant's form N-4 registration
statement (File No. 33-51268), filed February 17, 2006.
h. Form of Participation Agreement among The Universal Institutional
Funds, Inc., Morgan Stanley & Co., Inc., Morgan Stanley Investment
Management, Inc. and Integrity, dated January 2, 2003, incorporated by
reference from post-effective amendment 25 to Registrant's form N-4
registration statement (File No. 33-51268), filed February 17, 2006.
i. Form of Participation Agreement among Van Kampen Investments Trust,
Van Kampen Funds, Inc., Van Kampen Asset Management, Inc. and
Integrity dated January 2, 2003, incorporated by reference from
post-effective amendment 25 to Registrant's form N-4 registration
statement (File No. 33-51268), filed February 17, 2006.
9.
a. Opinion and Consent of Rhonda S. Malone, Esq. as to the legality of
the securities being registered, filed herewith.
b. Opinion and Consent of Rhonda S. Malone, Esq. as to the legality of
the guarantee of securities being registered, filed herewith.
10. Not applicable.
11. Not applicable.
12. Not applicable.
13. Powers of Attorney of the Board of Directors of The Western and Southern
Life Insurance Company (WSLIC), filed herewith.
14. Guarantee from WSLIC to the policy holders of Integrity, filed herewith.
15. Cover letter.
16. Statement regarding updated financial statements of the Registrant,
Depositor and Guarantor filed herewith.
2