Integrity VAROOM 2017 Combined Document

485BPOS 1 integrityvaroomcombo.htm 485BPOS Integrity VAROOM 2017 Combined Document

Integrity VAROOM

As filed with the Securities and Exchange Commission on April 28, 2017

Registration Nos. 333-166995 and 811-04844

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Pre-Effective Amendment Number:

Post-Effective Amendment Number: 9 [x ]

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

Amendment Number: 125 [ x]

(Check appropriate box or boxes)

Separate Account I of Integrity Life Insurance Company

(Exact Name of Registrant)

Integrity Life Insurance Company

(Name of Depositor)

400 Broadway, Cincinnati, Ohio 45202

(Address of Depositor's Principal Executive Offices) (Zip Code)

(513) 629-1854

(Depositor's Telephone Number, including Area Code)

The Western and Southern Life Insurance Company

(Name of Guarantor)

400 Broadway, Cincinnati, Ohio 45202

(Address of Guarantor's Principal Executive Offices) (Zip Code)

(513) 629-1854

(Guarantor's Telephone Number, including Area Code)

Rhonda S. Malone, Esq.

Senior Counsel – Securities

Western & Southern Financial Group, Inc.

400 Broadway, Cincinnati, Ohio 45202

(Name and Address of Agent for Service)

Approximate Date of Proposed Public Offering: Continuous

It is proposed that this filing will become effective (check appropriate box)



		immediately upon filing pursuant to paragraph (b) of Rule 485
	x	on May 1, 2017 pursuant to paragraph (b) of Rule 485
		60 days after filing pursuant to paragraph (a)(1) of Rule 485
		on (date) pursuant to paragraph (a)(1) of Rule 485
		75 days after filing pursuant to paragraph (a)(2) of Rule 485
		on (date) pursuant to paragraph (a)(2) of Rule 485

If appropriate, check the following box:



		This post-eff amendment designates a new effective date for a previously filed post-eff amendment.

Title of Securities Being Registered: VAROOM^®Flexible Premium Variable Annuity

VAROOM^® Variable Annuity

May 1, 2017

Integrity Life Insurance Company

Separate Account I of Integrity Life Insurance Company

This prospectus describes a flexible premium variable annuity contract. This prospectus contains information about Separate Account I of Integrity Life Insurance Company (Separate Account I) and the contract that you should know before investing. You should read this prospectus and any supplements, and retain them for future reference.

The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or determined that this prospectus is adequate. Any representation to the contrary is a criminal offense.

A registration statement containing additional information about Separate Account I and this contract, which includes a Statement of Additional Information (SAI) dated May 1, 2017, has been filed with the SEC (file numbers 811-04844 and 333-166995). The SAI is incorporated by reference into this prospectus. A free copy of the SAI is available by sending in the form on the last page of this prospectus, or by writing or calling our Administrative Office listed in the Glossary. The table of contents for the SAI is at the end of Part 9 of this prospectus.

You can review and copy information about this annuity contract at the SEC’s Public Reference Room in Washington, D.C. For hours of operation of this Public Reference Room, please call 202-551-8090. Copies of that information are also available, after paying a duplicating fee, by writing the SEC’s Public Reference Section, 100 F. Street NE, Washington, D.C. 20549-0102. You may also obtain information about this annuity contract on the SEC’s Internet site at http://www.sec.gov using the file numbers referenced above.

The contract must be issued as a traditional IRA, Roth IRA, or SEP IRA (collectively referred to as IRAs). This contract does not provide the tax advantages typically provided by an annuity contract. The tax advantages of this contract exist solely through its qualification as an IRA.

Except for the Fidelity VIP Government Money Market Portfolio, the Funds available for investment under this contract are also available for direct purchase by the general public.

Two of the reasons Exchange-Traded Funds (ETFs) are attractive to direct purchasers are tax efficiency and cost-effectiveness. Tax efficiency associated with ETFs will not be realized by purchasing this contract because this contract is an IRA. The ETFs in which the subaccounts invest are cost-effective, but that cost-effectiveness will be reduced by the expenses of this contract. These expenses include the administration expenses that are used, in part, to reimburse us for the cost and commissions associated with investing in the underlying ETFs.

If you purchase shares of these Funds directly from a broker-dealer, you will not pay separate account expenses, but may pay commissions. You will also not have access to an annuity benefit, a guaranteed Death Benefit and an optional guaranteed living benefit. Because of these additional separate account expenses, which affect your contract values and the returns on your investment, you should refer only to information about returns on the Subaccount Units available through this contract, and should not refer to information about returns on these Funds that may be available through other sources.

This annuity is not a bank product and is not an obligation of, nor guaranteed by, the financial institution where it is offered. It is not insured by the FDIC, NCUSIF or other federal entity. It is subject to investment risks, including possible loss of the principal amount invested.

This prospectus does not constitute an offering in any jurisdiction where such offering may not lawfully be made. No person is authorized to make any representations in connection with this offering other than those contained in this prospectus.

VI-1

You may invest your premiums in any of the Subaccounts listed below.

Equity Subaccounts

iShares^® Core S&P 500 ETF

iShares^® Core S&P Mid-Cap ETF

iShares^® Core S&P Small-Cap ETF

iShares^® S&P 500 Growth ETF

iShares^® S&P 500 Value ETF

Vanguard^® Dividend Appreciation Index Fund, ETF Shares

Vanguard^® Large-Cap Index Fund, ETF Shares

Vanguard^® Mega Cap Index Fund, ETF Shares

Fixed Income Subaccounts

Fidelity VIP Government Money Market Portfolio, Initial Class

iShares^® Core U.S. Aggregate Bond ETF

iShares^® iBoxx $ High Yield Corporate Bond ETF

iShares^® Intermediate Credit Bond ETF

iShares^® TIPS Bond ETF

Vanguard^® Intermediate-Term Corporate Bond Index Fund, ETF Shares

Vanguard^® Short-Term Bond Index Fund, ETF Shares

Vanguard^® Total Bond Market Index Fund, ETF Shares

International and Alternative Subaccounts

iShares^® International Treasury Bond ETF

Vanguard^® Developed Markets Index Fund, ETF Shares

Vanguard^® Emerging Markets Stock Index Fund, ETF Shares

Vanguard^® REIT Index Fund, ETF Shares

iShares^® and Blackrock^® are registered marks of BlackRock, Inc. and its affiliates (BlackRock). All other trademarks, service marks or registered trademarks are the property of their respective owners. BlackRock's only relationship to Integrity Life is the licensing of certain trademarks and trade names of BlackRock. Integrity Life's variable annuities are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations or warranties to the owners of Integrity Life's variable annuities or any member of the public regarding the advisability of investing in them. BlackRock has no obligation or liability in connection with the operation, marketing, sale or trading of Integrity Life's variable annuities.

Vanguard^® is a trademark of The Vanguard Group, Inc.

We seek to protect our proprietary position by, among other methods, filing United States patent applications related to our proprietary business processes, technology, inventions and improvements that are important to the development of our business, and to prevent others from infringing upon our proprietary rights. To that end, we have filed for patent protection of this investment product and its related business processes with the United States Patent and Trademark Office, so that this investment product and the business processes related to it may be accurately characterized as patent pending.

VI-2

TABLE OF CONTENTS



	Page VI-
Glossary	5
Part 1 – Fees and Expense Tables and Summary of Contract	7
Fees and Expenses	7
Contract Owner Transaction Expenses	7
Separate Account Annual Expenses	7
Total Annual Fund Operating Expenses	7
Examples	9
Accumulation Unit Values	9
Summary of Contract	10
This Contract is an IRA	10
Parties to the Contract	10
Your Rights and Benefits	10
Investment Goals and Risks	11
Account Value and Surrender Value	11
Your Right to Revoke (Free Look Period)	12
Part 2 – Integrity Life and the Separate Account	12
Integrity Life Insurance Company	12
Separate Account I	12
Subaccounts	13
Distribution of Variable Annuity Contracts	13
ETF Custodian	13
Changes in How We Operate	13
Part 3 – Your Investment Options	14
The Fund Families and the Funds	14
Static Asset Allocation Models	18
The Fixed Account	19
Part 4 – Deductions and Charges	19
Separate Account Charges	19
Fund Expenses	20
Withdrawal Charge	20
Reduction or Elimination of the Withdrawal Charge	21
Commission Allowance and Additional Payments to Distributors	21
Optional Benefit Charges	21
Tax Reserve	21
State Premium Tax	22
Part 5 – Terms of Your Variable Annuity	22
Purchasing the Contract	22
Premium Payments	22
Units in Our Separate Account	23
How We Determine Unit Value	24
Allocations and Transfers	24
Detrimental Effect of Trading on Unit Values	25
Specific Notice Regarding the Use of this Annuity for Market Timing or Frequent Trading	25
Withdrawals	25
Free Withdrawal Amount	26
Timing of Payment of a Withdrawal or Surrender	27
Assignments	27
Death Benefit	27
Spousal Continuation	28
Selecting and Changing Your Beneficiary	29

VI-3



Filing Death Claims	29
Maturity Date and Annuity Option	29
Annuity Payments	30
How You Make Requests and Give Instructions	30
Abandoned or Unclaimed Property	30
Part 6 – Optional Benefits	31
Guaranteed Lifetime Withdrawal Benefit	31
Lifetime Payout Amount (LPA)	31
Nonguaranteed Withdrawal	32
Other Important Facts about Withdrawals	33
GLWB Rider Charge	34
GLWB Investment Strategies	34
Allocations and Transfers for the GLWB	36
Withdrawal Protection for Required Minimum Distributions	36
Continuation of the Spousal GLWB at Owner’s Death	36
Guaranteed Payment Phase	37
Cancellation and Termination of Rider	37
Additional Rules	37
Additional Rules that Apply to the Spousal GLWB Rider	38
Should You Purchase the GLWB Rider	38
Examples	38
Part 7 – Voting Rights	38
How Fund Shares Are Voted	38
How We Determine Your Voting Shares	39
Part 8 – Tax Aspects of the Contract	39
Tax Status of the Contract	39
Types of IRAs	39
Rollovers and Transfers	40
Early Distributions	41
Required Minimum Distributions (RMD)	41
Inherited IRAs	41
Federal and State Income Tax Withholding	42
Tax Status of the Company	42
Transfers Among Subaccounts	42
Seek Tax Advice	43
Part 9 – Additional Information	43
Systematic Withdrawal Program	43
Income Plus Withdrawal Program	43
Choices Plus Required Minimum Distribution (RMD) Program	44
Systematic Transfer Program	44
Customized Asset Rebalancing Program	45
Legal Proceedings	45
Table of Contents of Statement of Additional Information	45
Appendices	46
Appendix A – Financial Information for Separate Account I of Integrity Life	46
Appendix B – Withdrawal Charge Examples	54
Appendix C – Illustrations of Guaranteed Lifetime Withdrawal Benefit	56

VI-4

GLOSSARY

Account Value - the value of your contract, which consists of the value of your Investment Options added together.

Administrative Office - the address you are required to use to make requests and give instructions about your annuity contract.



Regular Mail:	Overnight Mail:
Integrity Life Insurance Company PO Box 5720 Cincinnati, Ohio 45201-5720	Integrity Life Insurance Company 400 Broadway, MS 74 Cincinnati, Ohio 45202-3341

Phone:
1-800-325-8583

Annuitant - the human being whose life is used to determine the Maturity Date of the contract and the amount of the Annuity Option.

Annuity Date - any date on or before the Maturity Date that you elect an Annuity Option.

Annuity Option - an arrangement under which income payments are made.

Business Day - any day that the New York Stock Exchange is open.

Contract Anniversary - occurs once annually on the same day as the Contract Date.

Contract Date - the date we issue you the contract; it is shown on the specification pages of your contract.

Contract Year - a year that starts on your Contract Date or any Contract Anniversary.

Death Benefit - benefit paid to the beneficiary on the Death Benefit Date.

Death Benefit Date - the date we receive an original certified death certificate and our death claim forms in Good Order, including the beneficiary's election of form of payment.

Exchange-Traded Funds (ETFs) - a type of investment fund that tracks an index, a commodity or basket of assets, and which trades like a stock on an exchange.

Fixed Account - an Investment Option offering a fixed rate of return.

Free Withdrawal Amount - the amount you may withdraw in any Contract Year without paying a withdrawal charge.

Fund - an investment in which a Subaccount invests; all Funds in this annuity are ETFs, except the Fidelity Variable Insurance Products Government Money Market Portfolio.

General Account - the Company’s account that contains all of our assets other than those held in separate accounts.

Good Order - complete information we require to process your application, claim or any request received at our Administrative Office, address above in this glossary.

VI-5

Guaranteed Lifetime Withdrawal Benefit (GLWB) - an optional benefit that guarantees lifetime payments will be available for withdrawal.

GLWB Investment Strategies - investment strategies available for the GLWB Rider.

Investment Options - Subaccounts and the Fixed Account, collectively.

IRA - Individual Retirement Annuity under section 408(b), 408(k) or 408A of the Internal Revenue Code.

Maturity Date - the 100^th birthday of the Annuitant named on the Contract Date. The Maturity Date is the latest date you can either elect an Annuity Option or receive a lump sum payment.

Rider - a supplement to your contract that provides optional benefits at an additional cost.

Required Beginning Date - April 1^st of the year after the calendar year in which the owner reaches age 70½; this is the date when the owner must begin taking Required Minimum Distributions from a Traditional or SEP IRA.

Required Minimum Distribution (RMD) - annual withdrawal amount required under the Tax Code based on the prior calendar year-end fair market value of this contract only, as calculated by us.

Separate Account - Separate Account I of Integrity Life Insurance Company. Its assets are segregated from the General Account by Integrity Life and divided into Subaccounts.

Subaccounts - Investment Options available to you under the contract other than the Fixed Account. Each Subaccount is a division of the Separate Account and invests exclusively in a single Fund with the same name.

Surrender Value - your Account Value reduced by any withdrawal charge and premium tax.

Systematic Transfer Option (STO) - a Fixed Account that accepts new premiums, which must be transferred from the STO into Subaccounts within either a six-month or one-year period.

Tax Code - the Internal Revenue Code of 1986, as amended, or any corresponding provisions of subsequent United States tax laws, and applicable regulations of the Internal Revenue Service.

Unit - measure of your ownership interest in a Subaccount.

Unit Value - value of each Unit calculated on each Business Day.

VI-6

Part 1 – Fees and Expense Tables and Summary of Contract

Fees and Expenses

The following tables describe the fees and expenses that you will pay when buying, owning, withdrawing from and surrendering the contract.

The following table describes the maximum fees and expenses that you will pay at the time you buy the contract, withdraw from or surrender the contract, or transfer value among Subaccounts. State premium tax may also be deducted.¹

Contract Owner Transaction Expenses



Maximum Deferred Sales Load (withdrawal charge) as a percentage of premiums ²	7%

The following table describes the fees and expenses that you will pay periodically during the time that you own the contract, not including Total Annual Fund Operating Expenses.

Separate Account Annual Expenses (as a percentage of average Account Value in Subaccounts)



	Maximum Charge	Current Charge
Mortality and Expense Risk Charge	1.00%	1.00%
Administration Charge	0.75%	0.75%
Optional Guaranteed Lifetime Withdrawal Benefit, Investment Strategy 1	1.50%	0.60%
Optional Guaranteed Lifetime Withdrawal Benefit, Investment Strategy 2	1.50%	0.80%
Highest Possible Total Separate Account Annual Expenses^{3, 4}	3.25%	2.55%

Total Annual Fund Operating Expenses

The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time you own the contract. More detail concerning each Fund’s fees and expenses is contained in the prospectus for each Fund.

Minimum: 0.04% Maximum: 0.50%

Details of the Fund operating expenses are on the next page.

_________________________________________________________

¹State premium taxes currently range from 0% to 1.0%.

²The withdrawal charge decreases over time and is eliminated for each premium after it reaches five years old. See Part 4.

³Assessed daily on the Account Value in the Subaccounts.

⁴You may elect only one of the optional Guaranteed Lifetime Withdrawal Benefit Investment Strategies. Therefore the Highest Possible Total Separate Account Annual Expenses reflect the election of Investment Strategy 2, which carries the higher current charge.

VI-7

Total Annual Fund Operating Expenses (continued)

Gross annual Fund expenses¹as a percentage of average net assets in each Fund:



Fund	Manag- ment Fees	12b-1 Fee	Other Expens- es	Acquired Fund Fees and Expenses	Total Annual Gross Expenses
Equity Subaccounts:
iShares Core S&P 500 ETF ²	0.04%	0.00%	0.00%	0.00%	0.04%
iShares Core S&P Mid-Cap ETF ²	0.07%	0.00%	0.00%	0.00%	0.07%
iShares Core S&P Small-Cap ETF ²	0.07%	0.00%	0.00%	0.00%	0.07%
iShares S&P 500 Growth ETF ²	0.18%	0.00%	0.00%	0.00%	0.18%
iShares S&P 500 Value ETF ²	0.18%	0.00%	0.00%	0.00%	0.18%
Vanguard Dividend Appreciation Index Fund, ETF Shares	0.08%	0.00%	0.01%	0.00%	0.09%
Vanguard Large-Cap Index Fund, ETF Shares	0.07%	0.00%	0.01%	0.00%	0.08%
Vanguard Mega Cap Index Fund, ETF Shares	0.05%	0.00%	0.02%	0.00%	0.07%
Fixed Income Subaccounts:
Fidelity VIP Government Money Market Portfolio	0.17%	0.00%	0.08%	0.00%	0.25%
iShares Core U.S. Aggregate Bond ETF ^{2, 3, 4}	0.05%	0.00%	0.00%	0.01%	0.06%
iShares iBoxx $ High Yield Corporate Bond ETF ²	0.50%	0.00%	0.00%	0.00%	0.50%
iShares Intermediate Credit Bond ETF ²	0.20%	0.00%	0.00%	0.00%	0.20%
iShares TIPS Bond ETF ²	0.20%	0.00%	0.00%	0.00%	0.20%
Vanguard Intermediate-Term Corporate Bond Index, ETF Shares	0.06%	0.00%	0.01%	0.00%	0.07%
Vanguard Short-Term Bond Index Fund, ETF Shares	0.08%	0.00%	0.01%	0.00%	0.09%
Vanguard Total Bond Market Index Fund, ETF Shares	0.04%	0.00%	0.02%	0.00%	0.06%
International and Alternative Subaccounts:
iShares International Treasury Bond ETF ²	0.35%	0.00%	0.00%	0.00%	0.35%
Vanguard Developed Markets Index, ETF Shares	0.06%	0.00%	0.03%	0.00%	0.09%
Vanguard Emerging Markets Stock Index Fund, ETF Shares	0.07%	0.00%	0.07%	0.00%	0.14%
Vanguard REIT Index Fund, ETF Shares	0.11%	0.00%	0.01%	0.00%	0.12%

(1) Each Fund’s expenses were provided in the most recent prospectus for that Fund. We have not independently verified the information. Current or future expenses may be more or less than those shown. More details concerning each Fund's fees and expenses are contained in the prospectus for that Fund.

(2) The iShares Trust's investment advisory agreement provides that the Fund’s advisors will pay all operating expenses of the Fund, except interest expense, taxes, brokerage expenses, future distribution fees or expenses, and extraordinary expenses.

(3) “Acquired Fund Fees and Expenses” reflect the Fund’s pro rata share of the fees and expenses incurred by investing in other investment companies. The effect of Acquired Fund Fees and Expenses is included in the total returns of the Fund.

(4) The fund’s net expenses are 0.05%. The Fund’s advisor has contractually agreed to waive its management fees in an amount equal to the Acquired Fund Fees and Expenses attributable to the Fund’s direct investments in other registered investment companies advised by the fund's advisor, or its affiliates through June 30, 2021. The contractual waiver may be terminated prior to June 30, 2021 only upon written agreement of the Trust and advisor.

VI-8

Examples

The examples that follow are intended to help you compare the cost of investing in this contract with the cost of investing in other variable annuity contracts. Each example assumes that you invest $10,000⁵ in the contract for the time period indicated. Each example also assumes that your investment has a 5% return each year. Your actual return may be higher or lower.

Highest Cost Example with Rider

The following example includes the maximum mortality and expense risk charge, administration charge withdrawal charge, and maximum Fund operating expenses; it also assumes you elect the GLWB Rider at the maximum charge. If the current GLWB Rider charge was used, the total cost would be less than indicated in this example. Based on these assumptions, your costs would be:

If you surrender your contract at the end of the applicable period:



1 year	3 years	5 years	10 years
$1,092	$1,789	$2,403	$4,116

If you remain invested in the contract, or if you select an Annuity Option with a life contingency at the end of the applicable period:



1 year	3 years	5 years	10 years
$392	$1,189	$2,003	$4,116

Highest Cost Example without Rider

The following example includes the maximum mortality and expense risk charge, administration charge, withdrawal charge, and maximum Fund operating expenses; it also assumes you do not elect the GLWB Rider. Based on these assumptions, your costs would be:

If you surrender your contract at the end of the applicable period:



1 year	3 years	5 years	10 years
$935	$1,325	$1,641	$2,654

If you remain invested in the contract, or if you select an Annuity Option with a life contingency at the end of the applicable period:



1 year	3 years	5 years	10 years
$235	$725	$1,241	$2,654

Accumulation Unit Values

See Appendix A

_________________________________________________________

⁵This contract requires a minimum initial premium of $25,000.

VI-9

Summary of Contract

This Contract is an IRA

This contract is a variable annuity that must be issued as an Individual Retirement Annuity (IRA) as defined by section 408(b), 408(k) or 408A of the Tax Code. The contract itself does not provide the tax advantages typically provided by a variable annuity. The tax advantages available with this contract exist solely through the contract's qualification as an IRA.

You should read Part 8, “Tax Aspects of the Contract” for more information and consult a tax advisor about your particular circumstances. Most of the withdrawals you make before you are 59½ years old are subject to a 10% federal tax penalty on the amounts withdrawn.

You may want to purchase ETFs through a variable annuity issued as an IRA vs. directly though the IRA for several reasons, including, but not limited to, that this annuity provides a guaranteed minimum death benefit, access to guaranteed annuitization that can provide income for life and offers an optional living benefit that can provide income for life.

Parties to the Contract


•	Integrity Life Insurance Company - “We,” “our,” “us,” “the Company” and “Integrity Life” mean Integrity Life Insurance Company.


•	Owner - “You” and “your” mean the owner. This variable annuity contract is a contract between you and us. You, as the owner, have certain rights under the contract. Because this contract is an IRA, joint owners are not allowed and you may not transfer ownership.


•	Annuitant - You are the Annuitant, the person whose life is used to determine the Maturity Date of the contract and the amount of the annuity benefit, when elected. The Annuitant must be a natural person, and cannot be changed after the Contract Date. Joint Annuitants are not allowed until an Annuity Option is elected and will have no effect until the Annuity Date.


•	Beneficiary - The beneficiary is the person or persons who will receive the Death Benefit upon your death prior to the Annuity Date and upon election of Annuity Benefit, to receive any remaining payments. See Part 5, sections titled “Death Benefit,” “Selecting and Changing Your Beneficiary,” and “Maturity Date and Annuity Options.”


•	Custodial Account - If the contract is purchased through an established IRA custodial account, the contract owner will be considered the account, the Annuitant will generally be you as the account owner, and the account must be the beneficiary.


•	Covered Person - A person covered under one of the GLWB Riders. See Part 6.

Your Rights and Benefits

As the owner of the contract, you have the following rights:


•	To contribute, transfer and withdraw money. See Part 5.


•	To invest your premiums in the Investment Options. See Part 3.


•	To elect the optional benefits available at the time you purchase the annuity contract (for an additional cost). See Part 6.


•	To elect an Annuity Option. See Part 5, section titled "Maturity Date and Annuity Option."


•	To name one or more beneficiaries to receive the Death Benefit. See Part 5, sections titled "Death Benefit" and “Selecting and Changing Your Beneficiary.” If the owner is a custodian, the owner must name itself as the sole beneficiary.

Your rights are subject to the rules and significant limitations stated in your contract, in this prospectus and under the Tax Code.

VI-10

Investment Goals and Risks

This contract allows you to accumulate money for retirement or other long-term goals. This contract is intended for long-term investing only and is not intended as a vehicle for frequent trading. Transfers among Subaccounts are strictly limited under the terms of this contract. See Part 5, section titled "Allocations and Transfers."

An investment in any of the Subaccounts carries with it certain risks, including the risk that the value of your investment will decline and you could lose money. The Subaccounts invest in ETFs (except the Fidelity Variable Insurance Products Government Money Market Portfolio), many of which invest in common stocks. You could lose money if one of the issuers of the stocks becomes financially impaired or if the market as a whole declines. There is also the inherent risk that holders of common stock generally are behind creditors and holders of preferred stock for payments in the event of the bankruptcy of a stock issuer. Some of the Subaccounts invest in Funds that invest in high yield securities that are rated below investment grade, commonly referred to as “junk bonds.” High yield securities may be subject to greater levels of credit or default risk than higher-rated securities. Some of the Subaccounts also invest in securities issued by companies in foreign countries, which means that world events, such as political upheaval, financial troubles, or natural disasters, will adversely affect the value of these securities. Foreign investments are also subject to currency risk, which is the chance that the value of a foreign investment, measured in U.S. dollars, will decrease because of unfavorable changes in currency exchange rates.

Shares of ETFs may trade at a discount from their net asset value in the secondary market. This risk is separate and distinct from the risk that the net asset value of the ETF shares may decrease. The amount of such discount from net asset value is subject to change from time to time in response to various factors.

The services of Mid Atlantic Trust Company (MATC) and third-party broker-dealers underlie the process supporting this variable annuity and the subaccounts’ investments. If either MATC or the third-party broker-dealers terminate or significantly modify the services provided to us, we will seek to replace those services through other providers or through other methods. If suitable replacement services are not available, we will take such other actions or make changes in how we operate as allowed by law and your annuity contract to mitigate any adverse effects on the Separate Accounts, you and us, to the greatest extent reasonably possible. These actions could include working directly with broker-dealers to purchase ETFs; bringing in-house the services being provided by MATC; and/or making available index mutual funds as underlying investment options. While we believe it is highly unlikely, it is possible that under a worst-case scenario we would be required to disallow additional premiums into the contract, and that transfers could only be made into the money market subaccount (although your then-current allocations would not be affected). See more about Mid Atlantic Trust Company in Part 2, section titled “ETF Custodian.”

For a complete discussion of the risks associated with investing in any particular Subaccount, see the prospectus of the corresponding Fund.

Account Value and Surrender Value

Your Account Value consists of the values of your Investment Options added together. Any amount allocated to a Subaccount will go up or down in value depending on the investment experience of the Fund. The value of premiums allocated to the Subaccounts is not guaranteed. Your Account Value also is subject to charges. See Part 4.

Your Surrender Value is equal to your Account Value, minus any withdrawal charge and applicable premium tax. See Part 4.

Your minimum Account Value is $2,000. If the Account Value goes below the minimum Account Value and we have received no premiums from you for two years, we may terminate the contract and pay you the Account Value. We will notify you in advance and will give you at least 60 days to contribute additional premium to bring the Account Value above the minimum if you wish to keep your contract in force. The minimum Account Value does not apply if you have a GLWB Rider.

VI-11

If you take withdrawals (other than the Free Withdrawal Amount or RMD), this contract also requires that you have a minimum Account Value of $20,000 remaining after the withdrawal. (Please note that you may fully surrender your contract at any time.) This rule does not apply if you have a GLWB Rider. See Part 5, section titled “Withdrawals.”

Your Right to Revoke (Free Look Period)

You may cancel your contract within 10 days after you receive it by returning it to our Administrative Office by mail, postmarked within the 10-day period. We will extend the 10-day period if required by state law. If you cancel your contract, we will return your Account Value, which may be more or less than your original premium depending upon the investment experience of the Subaccounts you selected and any applicable charges. You bear the investment risk, as well as any fees and charges incurred, during the free look period. See Part 4 for more discussion of the fees and charges. Some states require that we return your premium, or some amount other than your Account Value. In that case, we will return the greater of the amount required by state law and your Account Value.

Part 2 – Integrity Life and the Separate Account

Integrity Life Insurance Company

Integrity Life is a stock life insurance company organized under the laws of Arizona on May 3, 1966, and redomesticated to Ohio on January 3, 1995. Our principal executive office is located at 400 Broadway, Cincinnati, Ohio 45202. We are authorized to sell life insurance and annuities in 49 states and the District of Columbia. Integrity Life is a subsidiary of The Western and Southern Life Insurance Company, a life insurance company organized under the laws of the State of Ohio on February 23, 1888.

Integrity Life guarantees certain amounts under the contract. We refer to these guaranteed amounts as “insurance obligations,” such as income payments under the GLWB Rider after your Account Value is exhausted. In this case, we will pay you the income payments from our General Account. Benefit amounts paid from the General Account are subject to our financial strength and claims paying ability and our long-term ability to make such payments. There are risks to purchasing any insurance product.

The Western and Southern Life Insurance Company, Integrity Life’s parent company, has guaranteed the insurance obligations of Integrity Life to its contract owners, including the owners of this contract (the Guarantee). Amounts covered by the Guarantee are subject to the financial strength and claims paying ability of The Western and Southern Life Insurance Company. The Guarantee does not guarantee investment performance on the portion of your Account Value invested in the Subaccounts. The Guarantee provides that contract owners can enforce the Guarantee directly.

Separate Account I

Separate Account I of Integrity Life Insurance Company was established in 1986, and is maintained under the insurance laws of the State of Ohio. The Separate Account is a unit investment trust, which is a type of investment company governed by the Investment Company Act of 1940 (1940 Act).

Under Ohio law, we own the assets of our Separate Account and use them to support the Subaccounts of your contract and other variable annuity contracts. You participate in the Separate Account in proportion to the amounts in your contract. Integrity Life Insurance Company is responsible for all obligations under the contract.

Income, gains and losses, whether realized or unrealized, from assets allocated to the Separate Account are credited to or charged against the Separate Account without regard to our other income, gains or losses. The assets of the Separate Account may not be charged with the liabilities arising out of our other businesses. We may allow fees that are owed to us to stay in the Separate Account, and, in that way, we can participate proportionately in the Separate Account. We may also periodically withdraw amounts that are earned and owed to us from the Separate Account.

VI-12

Subaccounts

The Separate Account is divided into Subaccounts. Each Subaccount invests in shares of a Fund with the same name. The Subaccounts available in this contract are listed in Part 3. We may add, substitute or close Subaccounts from time to time, and we may limit the amount of your investment in one or more of the Subaccounts on a nondiscriminatory basis.

Each Subaccount available in this contract (except for the Fidelity VIP Government Money Market Portfolio) invests in the shares of a distinct ETF. Each ETF available through a Subaccount is a registered investment company. ETF shares are traded throughout the day on exchanges, such as the NYSE Arca, Inc. ETF shares may trade at, above or below their net asset value; however, for purposes of valuing the Subaccount Units, we will use the daily closing price of each ETF on its primary exchange.

Each ETF available through a Subaccount in this contract seeks investment results that correspond to an index. The returns on the ETF shares will not precisely correlate with the performance of the index. You cannot invest directly in an index. You may want to purchase this variable annuity instead of one that does not invest in passively managed ETFs for several reasons, including, but not limited to, that the underlying fund costs are substantially lower than those of most variable annuities on the market today.

Distribution of Variable Annuity Contracts

Touchstone Securities, Inc., an affiliate of Integrity Life, serves as the principal underwriter for our variable annuity contracts. The principal business address of Touchstone Securities is 400 Broadway , Cincinnati, Ohio 45202. The contracts are sold by individuals who are licensed insurance agents and registered representatives of broker-dealers or financial institutions that have entered into distribution agreements with us.

ETF Custodian

Mid Atlantic Trust Company (MATC), a South Dakota registered non-depository trust company, is the custodian for the ETFs held by the Subaccounts. MATC provides certain services to the Separate Account, including custody of and accounting services for the ETFs owned by the Separate Account. MATC also facilitates execution of the purchase and sale of the ETFs through third-party broker-dealers. These third-party broker-dealers, working with MATC, provide the ETFs to the Separate Account at the daily closing price of each ETF on its primary exchange. Brokerage fees are paid by MATC.

The services of MATC and the third-party broker-dealers underlie the process supporting this variable annuity and the subaccounts’ investments. If either MATC or the third-party broker-dealers terminate or significantly modify the services provided to us, we will seek to replace those services through other providers or through other methods. If suitable replacement services are not available, we will take such other actions or make changes in how we operate as allowed by law and your annuity contract to mitigate any adverse effects on the Separate Accounts, you and us to the greatest extent reasonably possible. These actions could include working directly with broker-dealers to purchase ETFs; bringing in-house the services being provided by MATC; and/or making available index mutual funds as underlying investment options. While we believe it is highly unlikely, it is possible that under a worst-case scenario we would be required to disallow additional premiums into the contract, and that transfers could only be made into the money market subaccount (although your then-current allocations would not be affected).

Changes in How We Operate

We can change how the Company or our Separate Account operates, subject to the approval of federal or state regulators when required by the 1940 Act or other applicable laws. We will notify you if any changes result in a material change in the Funds or Investment Options. We may:


•	combine the Separate Account with any other separate account we own;


•	transfer assets of the Separate Account to another separate account we own;


•	add, remove, substitute, close, change, combine or limit investment in Subaccounts or withdraw assets relating to your contract from one Subaccount and put them into another;


•	register or end the registration of the Separate Account under the 1940 Act;

VI-13


•	operate our Separate Account under the direction of a committee or discharge a committee at any time (the committee may be composed of a majority of persons who are “interested persons” of Integrity Life);


•	restrict or eliminate any voting rights of owners or others that affect our Separate Account;


•	cause one or more Subaccounts to invest in a fund other than or in addition to the Funds;


•	operate our Separate Account or one or more of the Subaccounts in any other form the law allows, including a form that allows us to make direct investments; we may make any legal investments we wish;


•	make any changes required by the 1940 Act or other federal securities laws;


•	make any changes necessary to maintain the status of the contracts as annuities and/or IRAs under the Tax Code; or


•	make other changes required under federal or state law relating to annuities.

Part 3 – Your Investment Options

You may invest your premiums in the Subaccounts, the Fixed Account, or both, subject to any restrictions described in this prospectus. If you purchase one of the GLWB Riders, your Investment Options are limited. See Part 6.

Each Subaccount invests in the shares of a distinct Fund. Each Subaccount and its corresponding Fund share the same name. The value of your Subaccount will vary with the performance of the corresponding Fund. For a full description of each Fund, see that Fund’s prospectus and SAI.

The Fund Families and the Funds

Below is a description of each Fund family, iShares^® and The Vanguard Group, as well as the Fidelity Variable Insurance Products, which offers the Government Money Market Fund in this annuity, followed by a brief description of each Fund. Each Fund has a separate prospectus and SAI that provides more details about management fees and other expenses deducted from each Fund, the Fund’s principal investment strategies and the risks associated with investing. There is no guarantee that a Fund will meet its investment objective. For a prospectus containing complete information on any Fund, including the risks associated with investing, call our Administrative Office toll-free at 1-800-325-8583. The description below for each Fund was taken from the most recent publicly available documentation for such Fund as of the time this variable annuity prospectus was drafted. More recent disclosure may be available in the Funds’ current prospectus.

Fidelity^® Variable Insurance Products

The Portfolio is a series of a Fidelity Variable Insurance Products trust. Fidelity Management & Research Company, located at 245 Summer Street, Boston, MA 02210, is the investment advisor.

iShares^®

iShares Trust is a registered investment company that consists of separate investment portfolios called Funds. All the Funds listed below are ETFs. BlackRock Fund Advisors (BFA), 400 Howard Street, San Francisco, CA 94105, is the investment advisor to each Fund listed in this section. BFA uses a “passive” or indexing approach to try to achieve each Fund’s investment objective. Unlike many investment companies, the advisor does not try to “beat” the index it tracks and does not seek temporary defensive positions when markets decline or appear overvalued. BFA uses a representative sampling indexing strategy to manage each Fund as described in the Fund's prospectus. Unless otherwise indicated in the Fund description, each iShares Fund generally invests at least 90% of its assets in securities of the underlying index and in depositary receipts representing securities of the underlying index, and/or securities that provide substantially similar exposure to securities in the underlying index. The Fund may invest the remainder of its assets in certain futures, options and swap contracts, cash and cash equivalents, including money market funds advised by BFA or its affiliates, as well as in securities not included in its underlying index, but which BFA believes will help the Fund track its underlying index.

The Vanguard Group, Inc.

The Vanguard Group, Inc. is a family of investment companies. Many of the investment companies offer ETF shares, including all those listed below. Each corresponding Subaccount invests in the ETF share class. The Vanguard Group, Inc., P.O. Box 2600, Valley Forge, PA 19482, is the investment advisor to each Fund listed in this section.

VI-14

Equity Funds:

iShares^® Core S&P 500 ETF

The Fund seeks to track investment results of the S&P 500^® Index, which measures the performance of the large-capitalization sector of the U.S. equity market. As of March 31, 2016, the index included approximately 80.73% of the market capitalization of all publicly traded U.S. equity securities. The component stocks are weighted according to the float-adjusted market value of their outstanding shares. The index consists of stocks from a broad range of industries. Components primarily include financials, healthcare and information technology companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

iShares^® Core S&P Mid-Cap ETF

The Fund seeks to track investment results of the S&P MidCap 400^® Index, which measures the performance of the mid-capitalization sector of the U.S. equity market. As of March 31, 2016, the index included approximately 6.59% of the market capitalization of all U.S. equity securities. The stocks in the index have a market capitalization between $1.4 billion and $5.9 billion at time of entry, and which may fluctuate depending on the overall level of the equity markets and are selected for liquidity and industry group representation. The index consists of stocks from a broad range of industries. Components primarily include financials, industrials and information technology companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

iShares^® Core S&P Small-Cap ETF

The Fund seeks to track the investment results of the S&P SmallCap 600^® Index, which measures the performance of the small-capitalization sector of the U.S. equity market. As of March 31, 2016, the index included approximately 2.85% of the market capitalization of all U.S. equity securities. The stocks in the index have a market capitalization between $400 million and $1.8 billion at time of entry, which may fluctuate depending on the overall level of the equity markets and are selected for liquidity and industry group representation. The index consists of stocks from a broad range of industries. Components primarily include financials, industrials and information technology companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

iShares^® S&P 500 Growth ETF

The Fund seeks to track investment results of the S&P 500 Growth Index™, which measures the performance of the large-capitalization growth sector of the U.S. equity market. It is a subset of the S&P 500^® and consists of those stocks in the S&P 500^® exhibiting the strongest growth characteristics, as determined by the index provider, representing approximately 67.3% of the market capitalization of the S&P 500^® Index as of March 31, 2016. Components primarily include consumer discretionary, healthcare, and information technology companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

iShares^® S&P 500 Value ETF

The Fund seeks to track investment results of the S&P 500 Value Index™, which measures the performance of the large-capitalization value sector of the U.S. equity market. It is a subset of the S&P 500^® and consists of those stocks in the S&P 500^® exhibiting the strongest value characteristics, as determined by the index provider, representing approximately 67.9% of the market capitalization of the S&P 500 Index as of March 31, 2016. Components primarily include energy, financials and industrials companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

Vanguard Dividend Appreciation Index Fund, ETF Shares

The Fund seeks to track the performance of a benchmark index that measures the investment return of common stocks of companies that have a record of increasing dividends over time. The Fund employs an indexing investment approach designed to track the performance of the NASDAQ US Dividend Achievers Select Index, which consists of common stocks of companies that have a record of increasing dividends over time. The Fund attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

VI-15

Vanguard Large-Cap Index Fund, ETF Shares

The Fund seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The Fund employs an indexing investment approach designed to track the performance of the CRSP US Large Cap Index, a broadly diversified index of large U.S. companies representing approximately the top 85% of the U.S. market capitalization. The Fund attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Vanguard Mega Cap Index Fund, ETF Shares

The Fund seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks in the United States. The Fund employs an indexing investment approach designed to track the performance of the CRSP US Mega Cap Index. The index is a float-adjusted, market-capitalization-weighted index designed to measure equity market performance of mega-capitalization stocks in the United States. The Fund attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Fixed Income Funds:

Fidelity VIP Government Money Market Portfolio

The Portfolio seeks as high a level of current income as is consistent with preservation of capital and liquidity. The advisor normally invests at least 99.5% of total assets in cash, U.S. Government securities and/or repurchase agreements that are collateralized fully (i.e., collateralized by cash or government securities). The advisor invests in U.S. Government securities issued by entities that are chartered or sponsored by Congress but whose securities are neither issued nor guaranteed by the U.S. Treasury. The fund invests in compliance with industry-standard regulatory requirements for money market funds for quality, maturity and diversification of investments.

iShares^® Core U.S. Aggregate Bond ETF

The Fund seeks to track investment results of the Bloomberg Barclays U.S. Aggregate Bond Index, which measures the performance of the total U.S. investment-grade bond market. As of December 31, 2015, there were 9,720 issues in the index. The index includes investment-grade U.S. Treasury bonds, government-related bonds, corporate bonds, mortgage-backed pass-through securities, commercial mortgage-backed securities and asset-backed securities that are publicly offered for sale in the United States. The index may include large-, mid-, or small-capitalization companies, and components primarily include mortgage-backed pass-through and treasury securities, and industrials companies. The components of the index, and the degree to which these components represent certain industries, may change over time. The securities in the index have $250 million or more of outstanding face value and have at least one year remaining to maturity, with the exception of amortizing securities such as asset-backed and mortgage-backed securities, which have lower thresholds as defined by the index provider. In addition, the securities must be denominated in U.S. dollars and must be fixed-rate and non-convertible.

iShares^® iBoxx $ High Yield Corporate Bond ETF

The Fund seeks to track investment results of the Markit iBoxx^® USD Liquid High Yield Index, which is a rules-based index consisting of the liquid U.S. dollar-denominated, high yield corporate bonds for sale in the United States, as determined by the index provider. The index is designed to provide a broad representation of the U.S. dollar-denominated liquid high yield corporate bond market. The index is a modified market-value weighted index with a cap on each issuer of 3%. Bonds in the index are selected using rules-based criteria, as defined by the index provider. There is no limit to the number of issues in the index, but as of December 31, 2015, the index included approximately 985 constituents. The index may include large-, mid-, or small-capitalization companies, and components primarily include consumer cyclical, consumer discretionary, consumer services, consumer staples, industrials, and telecommunications companies. The components of the index, and the degree to which these components represent certain industries, may change over time.

iShares^® Intermediate Credit Bond ETF

The Fund seeks to track investment results of the Bloomberg Barclays U.S. Intermediate Credit Bond Index, which measures the performance of investment-grade corporate debt and sovereign, supranational, local authority and non-U.S. agency bonds that are U.S. dollar-denominated and have a remaining maturity of greater than or equal to one year and less than 10 years. As of December 31, 2015, there were 4,328 issues in the index. The index may

VI-16

include large-, mid-, or small-capitalization companies, and components primarily include consumer staples, financials and industrials companies. The components of the index, and the degree to which these components represent certain industries, may change over time. The index includes investment-grade credit securities that have a remaining maturity of greater than or equal to one year and less than 10 years and have $250 million or more of outstanding face value. In addition, the securities in the index must be denominated in U.S. dollars and must be fixed-rate and non-convertible. Excluded from the index are structured notes with embedded swaps or other special features, private placements, floating-rate securities and bonds that have been issued in one country’s currency, but are traded outside of that country in a different country and regulatory system (Eurobonds). The index is market-capitalization weighted.

iShares^® TIPS Bond ETF

The Fund seeks to track investment results of the Bloomberg Barclays Capital U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L), which measures the performance of the inflation-protected public obligations of the U.S. Treasury, commonly known as “TIPS.” TIPS are securities issued by the U.S. Treasury that are designed to provide inflation protection to investors. TIPS are income-generating instruments whose interest and principal payments are adjusted for inflation—a sustained increase in prices that erodes the purchasing power of money. The inflation adjustment, which is typically applied monthly to the principal of the bond, follows a designated inflation index, the consumer price index (“CPI”), and TIPS’ principal payments are adjusted according to changes in the CPI. A fixed coupon rate is applied to the inflation-adjusted principal so that as inflation rises, both the principal value and the interest payments increase. This can provide investors with a hedge against inflation, as it helps preserve the purchasing power of an investment. Because of this inflation adjustment feature, inflation-protected bonds typically have lower yields than conventional fixed-rate bonds. The index includes all publicly-issued U.S. Treasury inflation-protected securities that have at least one year remaining to maturity, are rated investment-grade and have $250 million or more of outstanding face value. In addition, the securities in the index must be denominated in U.S. dollars and must be fixed-rate and non-convertible. The index is market-capitalization weighted.

Vanguard Intermediate-Term Corporate Bond Index Fund, ETF Shares

The Fund seeks to track the performance of a market-weighted corporate bond index with an intermediate-term dollar-weighted average maturity. The Fund employs an indexing investment approach designed to track the performance of the Bloomberg Barclays Capital U.S. 5-10 Year Corporate Bond Index. This index includes U.S. dollar-denominated, investment-grade, fixed-rate, taxable securities issued by industrial, utility, and financial companies, with maturities between 5 and 10 years. The Fund invests by sampling the index, meaning that it holds a range of securities that, in the aggregate, approximates the full index in terms of key risk factors and other characteristics. All of the Fund’s investments will be selected through the sampling process, and under normal circumstances, at least 80% of the Fund’s assets will be invested in bonds included in the index. The Fund maintains a dollar-weighted average maturity consistent with that of the index, which was 7.5 years as of August 31, 2016.

Vanguard Short-Term Bond Index Fund, ETF Shares

The Fund seeks to track the performance of a market-weighted bond index with a short-term dollar-weighted average maturity. The Fund employs an indexing investment approach designed to track the performance of the Bloomberg Barclays Capital U.S. 1-5 Year Government/Credit Float Adjusted Index. This index includes all medium and larger issues of U.S. government, investment-grade corporate, and investment-grade international dollar-denominated bonds that have maturities between 1 and 5 years and are publicly issued. The Fund invests by sampling the index, meaning that it holds a range of securities that, in the aggregate, approximates the full index in terms of key risk factors and other characteristics. All of the Fund’s investments will be selected through the sampling process, and at least 80% of the Fund’s assets will be invested in bonds held in the index. The Fund maintains a dollar-weighted average maturity consistent with that of the index, which generally does not exceed 3 years.

Vanguard Total Bond Market Index Fund, ETF Shares

The Fund seeks to track the performance of a broad, market-weighted bond index. The Fund employs an indexing investment approach designed to track the performance of the Bloomberg Barclays U.S. Aggregate Float Adjusted Index. This index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States, including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities, all with maturities of more than 1 year. The Fund invests by sampling the

VI-17

index, meaning that it holds a broadly diversified collection of securities that, in the aggregate, approximates the full index in terms of key risk factors and other characteristics. All of the Fund’s investments will be selected through the sampling process, and at least 80% of the Fund’s assets will be invested in bonds held in the index. The Fund maintains a dollar-weighted average maturity consistent with that of the index, which generally ranges between 5 and 10 years.

International and Alternative Funds:

iShares^® International Treasury Bond ETF

The Fund seeks to track investment results of the S&P/Citigroup International Treasury Bond Index Ex-US, which is a broad, diverse, market value-weighted index designed to measure the performance of bonds denominated in local currencies and issued by foreign governments in developed market countries outside the United States. The index methodology is designed to balance the weighting of each country within the index by limiting the weightings of countries with higher debt outstanding and reallocating this excess to countries with lower debt outstanding. To be eligible for inclusion in the index, the issuing country must be a “Developed Country” as classified by the Bank for International Settlements. As of September 30, 2016, the index included securities issued by the governments in the following 18 countries: Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Italy, Japan, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland and the United Kingdom. The index includes bonds having a remaining maturity greater than one year.

Vanguard Developed Markets Index Fund, ETF Shares

The Fund seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in Canada and the major markets of Europe and the Pacific region. The Fund employs an indexing investment approach designed to track the performance of the FTSE Developed All Cap ex US Index, a market-capitalization-weighted index that is made up of approximately 3,700 common stocks of large-, mid-, and small-cap companies located in Canada and the major markets of Europe and the Pacific region. The Fund attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Vanguard Emerging Markets Stock Index Fund, ETF Shares

The Fund seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in emerging market countries. The Fund employs an indexing investment approach designed to track the performance of the FTSE Emerging Markets All Cap China A Inclusion Index, a market-capitalization-weighted index that is made up of approximately 3,658 common stocks of large-, mid-, and small-cap companies located in emerging markets around the world. The Fund invests by sampling the index, meaning that it holds a broadly diversified collection of securities that, in the aggregate, approximates the full index in terms of key characteristics. These key characteristics include industry weightings and market capitalization, as well as certain financial measures, such as price/earnings ration and dividend yield.

Vanguard REIT Index Fund, ETF Shares

The Fund seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity real estate investment trusts (REITs). The Fund employs an indexing investment approach designed to track the performance of the MSCI US REIT Index. The index is composed of stocks of publicly traded equity REITs. The Fund attempts to replicate the index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Static Asset Allocation Models

We may offer one or more asset allocation models in connection with your variable annuity at no extra charge. Asset allocation is the process of investing in different asset classes – such as equity funds, fixed income funds, and alternative funds – depending on your personal investment goals, tolerance for risk, and investment time horizon. By spreading your money among a variety of asset classes, you may be able to reduce the risk and volatility of investing, although there are no guarantees.

We have no discretionary authority or control over your choice of Subaccounts or your other investment decisions. We may make available educational information and materials, such as a risk tolerance questionnaire, that may

VI-18

help you select an asset allocation model, but we do not recommend asset allocation models or otherwise provide advice about whether an asset allocation model may be appropriate for you.

Our asset allocation models are "static." Although we may change or terminate asset allocation models we are offering to new contract purchasers, we will not change your allocations unless you advise us to do so. You will not be notified if the models are terminated or changed. You will not be provided with information regarding any terminations or changes to the asset allocation models. If you elect to invest using an asset allocation model, and if you elect automatic rebalancing, we will continue to rebalance your percentage allocations among the Funds in your existing model.

You should consult your investment professional periodically to consider whether any model you have selected is still appropriate for you. You may choose to invest in an asset allocation model or change your asset allocation at any time, subject to the limitations stated in your contract and this prospectus. See Part 5, section titled “Allocations and Transfers.”

Asset allocation does not ensure a profit, guarantee that your Account Value will increase or protect against a decline if market prices fall. An asset allocation model may not perform as intended. Any asset allocation models offered are based on then-available Funds in this annuity. We may discontinue, add, eliminate or change the models at any time.

The Fixed Account

Our Fixed Account is offered through our General Account, which also supports any portion of the Death Benefit, the annuity benefit, and any guarantees under a Rider that are in excess of Account Value. The General Account is not registered under the Securities Act of 1933 or the 1940 Act. Disclosures regarding the Fixed Account and the General Account are subject to certain provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses.

Systematic Transfer Option (STO)

We offer a STO (a Fixed Account) that provides a fixed interest rate on each premium allocated to the STO. That interest rate is guaranteed for that premium while in the STO period selected. Available STO periods are six months or one year. All STO premiums will be automatically transferred into the Subaccounts within either six months or one year of your premium payment into the STO, depending on which STO period you select. You can invest in either the six-month or one-year STO at any one time, but not both. We require a minimum premium to the STO of $6,000 to fund the six-month STO or $12,000 to fund the one-year STO. We will automatically transfer equal amounts monthly for the six-month STO and either monthly or quarterly for the one-year STO. Once you have invested premium in a STO, it cannot be transferred from the STO except as the automatic transfers described above.

The STO is available for new premiums only. You cannot transfer from the Subaccounts into the STO. See “Systematic Transfer Program” in Part 9 for more details on this program. If you elect a GLWB Rider, the STO is only available for your initial premium received by us on or before the Contract Date.

Part 4 – Deductions and Charges

Separate Account Charges

We deduct a daily charge equal to an annual effective rate of 1.75% of your Account Value in each of the Subaccounts to cover our separate account charges, which include


•	mortality and expense risk charge of 1.00%; and


•	administration expense charge of 0.75%.

A portion of the separate account charges pays us for assuming the mortality risk and the expense risk under the contract. The mortality risk, as used here, refers to our risk that Death Benefits are greater than anticipated, or that annuitants, as a class of persons, will live longer than estimated and we will be required to pay out more annuity

VI-19

benefits than anticipated. The expense risk is our risk that the expenses of administering the contract will exceed the reimbursement for administrative expenses.

The administration expense charge is used to reimburse us for administrative expenses, including, but not limited to, processing applications, issuing contracts, processing customer orders and other requests, making investments, providing regular reports and confirmations to customers, providing reports and updates to regulators, maintaining accounting records for each contract owner, administering income payments, furnishing accounting and valuation services (including the calculation and monitoring of the daily Unit Values), reconciling and depositing cash receipts, and providing forms.

The administration expense charge also reimburses us for the cost and commissions associated with investing in the underlying ETFs, including brokerage commissions. The brokerage commissions associated with the ETF trades will be paid directly by MATC to the executing broker, and indirectly by us under an arrangement with MATC. See Part 2, section titled “ETF Custodian.” This arrangement is a proprietary fee arrangement based on a percentage of assets invested in the ETFs. Ultimately, this cost is passed along to you as part of this administrative expense.

The administration expense charge may also reimburse us for the costs of distribution of this variable annuity. We expect to make a profit from the separate account charges. The separate account charges cannot be increased without your consent.

Fund Expenses

The net asset value of the Fund shares reflects investment management fees and other expenses that have already been deducted from the assets of the Funds. Please refer to Part 1, section titled “Total Annual Fund Operating Expenses,” and the individual Fund’s prospectus for details on Fund expenses.

Withdrawal Charge

If you withdraw your premiums, you may be charged a withdrawal charge of up to 7% of the premium. The amount of the withdrawal charge is a percentage of each premium withdrawn and not of the Account Value. The charge varies, depending upon the "age" of the premiums included in the withdrawal. The “age” of the premium is the number of years that have passed since each premium was paid.



Premium Year	Charge as a Percentage of the Premium Withdrawn
1	7%
2	7%
3	6%
4	5%
5	4%
thereafter	0

When you take a withdrawal, the oldest premium is treated as the first withdrawn, then next oldest and so on. Any gain or earnings in your contract come out only after an amount equal to all your premiums, and any applicable charges on those premiums, is withdrawn. Please note, however, that for tax purposes, withdrawals are generally considered to be gain first. See Part 8.

Because the withdrawal charge applies to each premium, if your Account Value has declined due to poor performance of your selected Subaccounts or you have taken previous withdrawals, including the Free Withdrawal Amount, the withdrawal charge may be greater than the amount available for withdrawal. In some instances, your Account Value may be positive, but you will not have money available to withdraw due to the amount of the withdrawal charge still applicable to your premiums. A withdrawal charge applies to the withdrawal charge amount itself since this amount is part of the premium withdrawn.

VI-20

You may take your Free Withdrawal Amount each Contract Year without paying a withdrawal charge. More details on the Free Withdrawal Amount are in Part 5, in the section titled "Free Withdrawal Amount."

We will not deduct a withdrawal charge from:


•	the Death Benefit; or


•	a withdrawal used to buy an immediate annuity from us after the first Contract Anniversary with either: (i) life contingencies; or (ii) a period certain that provides for fixed payments over 10 or more years.

For more information and examples of application of the withdrawal charge, see Appendix B.

Reduction or Elimination of the Withdrawal Charge

We can reduce or eliminate the withdrawal charge for individuals or a group of individuals if we anticipate expense savings. We may do this based on the size and type of the group, the amount of the premium, or whether there is some relationship with us. Examples of these relationships would include being an employee of Integrity Life or an affiliate, receiving distributions or making internal transfers from other contracts we issued, or transferring amounts held under qualified plans that we, or our affiliates, sponsored. We will not unlawfully discriminate against any person or group if we reduce or eliminate the withdrawal charge.

Commission Allowance and Additional Payments to Distributors

We generally pay a commission to the sales representative equal to a maximum of 6% of premiums, and up to 0.70% trail commission paid on Account Value starting in the second Contract Year. Commissions may vary due to differences between states, sales channels, sales firms and special sales initiatives.

A broker-dealer or financial institution that distributes our variable annuity contracts may receive additional compensation from us for training, marketing or other services provided. These services may include special access to sales staff and advantageous placement of our products. We do not make an independent assessment of the cost to the broker-dealer or financial institution of providing such services.

Integrity Life has agreements with some broker-dealer firms under which we pay varying amounts, but no more than 0.25% of Account Value, for enhanced access to their registered representatives. The broker-dealer firms are Commerce Brokerage Services, Inc., CUSO Financial Services, L.P., Fifth Third Securities, Inc., Frost Brokerage Services, Inc., Hancock Investment Services, Inc., LPL Financial Corporation, MSI Financial Services, Inc., and US Bancorp Investments, Inc.

Depending on the arrangements in place at any particular time, a broker-dealer, and the registered representatives associated with it, may have a financial incentive to recommend a particular variable annuity contract. This could create a conflict of interest between the broker-dealer or the registered representative and the customer. These payments could provide incentive to a broker-dealer or registered representative to recommend a Contract that is not in your best interest. You can find more about compensation in the SAI.

Optional Benefit Charges

You may purchase one of the GLWB Riders offered with this contract, which provide optional benefits for an additional cost. The additional cost of the Riders, along with complete details about their benefits, is provided in Part 6.

Tax Reserve

In the future, we may charge for taxes or set aside reserves for taxes, which will reduce the investment performance of the Subaccounts.

VI-21

State Premium Tax

We will not deduct state premium taxes from your premiums before investing them in the Investment Options, unless required by your state law. If you elect an Annuity Option, we will deduct any applicable state premium taxes from the amount available for the Annuity Option. State premium taxes currently range from 0 to 1.0% for IRAs.

Part 5 – Terms of Your Variable Annuity

Purchasing the Contract

If you wish to purchase a contract, you must apply for it through an authorized sales representative. The sales representative will send your completed application to us, and we will decide whether to accept or reject it. If we accept your application, we will issue a contract and send it to you either directly or through your sales representative.

To apply for a contract, you must be of legal age to enter into a contractual relationship under applicable state law, generally 18 years old. You must be no older than 80 at the time of application.

This contract must be issued as an IRA. Subject to various rules and limitations, the Tax Code permits you to transfer or roll over money tax-free from one IRA to another IRA or from certain other qualified plans, such as a 401(k) plan, to an IRA. See Part 8.

If you are transferring money from another annuity contract that is an IRA to acquire this contract, you should carefully compare this contract to your current contract. You may have to pay a withdrawal charge under your current contract to transfer to this contract, and this contract has its own withdrawal charges that would apply to you. The other fees and charges under this contract may be higher (or lower), and the benefits may be different, than those of your current contract. In addition, you may have to pay federal income and penalty taxes on the transfer if it does not qualify for tax-free transfer or rollover treatment. You should not transfer from another annuity contract unless you determine that the transfer is right for you. Please note that the person who sells you this contract generally will earn a commission on the sale. You should also consult a tax advisor before requesting a tax-free transfer or rollover.

Premium Payments



Minimum initial premium	$25,000
Minimum additional premium⁶	$1,000
Maximum total premium without prior approval	$1,000,000
Maximum additional premium	up to applicable IRA limits each calendar year plus permissible transfers and rollovers

Because the initial premium must be $25,000 or more, the contract can only be purchased by transfer or rollover from an existing IRA or from certain other qualified plans, such as a 401(k) or a 403(b) plan. You can make additional premium payments at any time before age 81, or earlier if limited by the Tax Code. For example, you cannot contribute new premiums other than transfers and rollovers to a traditional IRA for the calendar year in which you reach age 70½, and thereafter.

_________________________________________________________

⁶If your contract was issued in the state of Oregon, you may make only a single initial premium. Additional premiums are not allowed.

VI-22

You must determine whether any premium qualifies as a permissible contribution subject to favorable tax treatment under the Tax Code. You must also determine whether such amount qualifies as a permissible transfer or rollover contribution under the Tax Code. For example, you cannot roll over from a SIMPLE IRA during the first two years of participation in the SIMPLE IRA and you cannot roll over after-tax contributions that are included in the other plans. You cannot roll over distributions that are part of a series of substantially equal payments made over your life expectancy, distributions made for a specified period of 10 years or more, RMD distributions or hardship distribution. For more information about limitations, see Part 8, section titled “Rollovers and Transfers.”

If you transfer or roll over money into this contract in the calendar year on or after you reach age 70½, you must take your RMD for the current calendar year before you purchase this contract.

We may refuse additional premiums if: (1) you have allocated some or all of the premium to an Investment Option, to which we are no longer accepting additional premiums; (2) the additional premium does not meet our minimum additional premium amount or exceeds our maximum premium amount for the annuity contract or for a specific Investment Option; (3) the total premiums paid under all annuity contracts issued by us, or our affiliates, on your life exceed $1,000,000; (4) we believe that the additional premium is being made by or on behalf of an institutional investor; or (5) for any reason allowed by law. You cannot purchase this contract with a rollover or transfer of death benefits from another annuity.

Your premiums are invested in the Investment Options you select. Each premium is credited as of the date we receive the premium in Good Order at our Administrative Office, except that additional time is allowed for the application of the initial premium under Rule 22c-1 of the 1940 Act. Good Order means complete information we require to process your application or any request.

Initial premium allocated to the subaccounts will be priced at the unit value determined no later than two business days after receipt of a completed application (including all necessary related information). If the application is not complete, we may retain the initial premium for up to five business days while attempting to complete it. If the application is not completed within five business days, you will be informed of the reason for the delay. The initial premium will be returned unless you specifically allow us to hold the premium until the application is completed.

Once received in Good Order, premiums allocated to Subaccounts are used to purchase Units at the Unit Value as of the next close of the New York Stock Exchange.

Each additional premium will be credited to your Subaccount under your stated allocation as of the date we have received the premium in Good Order at our Administrative Office. If you submit a different allocation, a 60-day waiting period will start before you can make a subsequent transfer or allocation change. See Part 5, section titled "Allocations and Transfers."

All premiums are deemed received when they are received in Good Order at our Administrative Office.

Units in Our Separate Account

Your investment in the Subaccounts is used to purchase Units. On any given day, the value you have in a Subaccount is the number of Units you own in that Subaccount multiplied by the Unit Value. The Units of each Subaccount have a different Unit Value.

Units are purchased when you contribute new premium to your contract or transfer amounts to a Subaccount. Units are redeemed (sold) when you make withdrawals or transfer amounts out of a Subaccount into a different Subaccount. We also redeem Units to pay the Death Benefit or if you elect an Annuity Option, or as permitted or required by law. The number of Units purchased or redeemed in any Subaccount is calculated by dividing the dollar amount of the transaction by the next computed Unit Value for that Subaccount, calculated as of the next close of business of the New York Stock Exchange.

Each Unit represents a fractional undivided interest in the assets held in the related Subaccount. If Units of any Subaccount are redeemed, the fractional undivided interest represented by each remaining Unit will be increased. If additional Units are issued by any Subaccount, the fractional undivided interest represented by each remaining Unit will be decreased. Units will remain outstanding until redeemed by a contract owner.

VI-23

If we make a mistake in executing any purchase or redemption, we will reprocess any trades made in error and ensure that you receive the correct Unit Values. We will put you in the same position you otherwise would have been in. Depending on the change in Unit Values between the error and correction, we may experience a gain or loss as a result of the reprocessing.

The Unit Value of each Subaccount will fluctuate with the investment performance of the corresponding Fund, which reflects the investment income, realized and unrealized capital gains and losses of the Fund, and the Fund’s expenses.

How We Determine Unit Value

We determine the Unit Value for each Subaccount after the close of business of the New York Stock Exchange, which is normally 4 p.m. Eastern Time on each Business Day. To value your Subaccount Units invested in ETFs, we use the daily closing price of each ETF on its primary exchange. Note that the ETF shares may trade at a discount from the net asset value of the ETF. To value your Subaccount Units invested in the Fidelity VIP Government Money Market Portfolio, we use the daily net asset value provided by Fidelity for the VIP Government Money Market Portfolio. In addition to the Fund shares, the Subaccounts that invest in the ETFs also hold an accrual for any dividends or other distributions declared by the ETF, which will be reinvested in the ETF on the next Business Day after payment.

The Unit Value of each Subaccount for any Business Day is equal to the Unit Value for the previous Business Day, multiplied by the net investment factor for that Subaccount on the current Business Day. The net investment factor measures the investment performance of a Subaccount from one Business Day to the next.

We determine the net investment factor by dividing the net asset value of the Subaccount for that valuation period by the net asset value of the Subaccount for the preceding valuation period. We subtract from that result the daily equivalent of the annual separate account charges for each calendar day since the last day that a Unit Value was determined (for example, a Monday calculation will include charges for Saturday and Sunday).

Generally, this means that we adjust Unit Values to reflect the change in value of the Fund shares, for the separate account charges and, if elected, the GLWB Rider charge.

Allocations and Transfers

Only one investment allocation to the Subaccounts may be in place at any time on your contract. This allocation applies to your current investment, future premiums, and rebalancing. In addition to your one allocation to the Subaccounts, you may allocate some or all of your initial premium and additional new premium to the STO. Transfers from the STO to the Subaccounts must be according to your one investment allocation to the Subaccounts.

You may reallocate all or part of your Account Value among the Subaccounts; however, each reallocation triggers a 60-day waiting period before you can make another allocation change. A transfer between or among Subaccounts is an “allocation change.” Here are the details:


•	A 60-day waiting period applies after your initial allocation on the Contract Date. This means you must wait 60 days after the contract is issued before you make an allocation change.


•	A 60-day waiting period applies after any voluntary allocation change. This means you must wait 60 days after the date you make an allocation change before you make another allocation change.


•	The following allocation changes will not trigger the 60-day waiting period:


o	automatic rebalancing;


o	automatic transfers from the STO;


o	reallocation as a result of any material change in a Fund or a Subaccount (see Part 2, section titled “Changes in How We Operate”);


o	automatic transfers that take place upon cancellation of a GLWB Rider, unless you make additional voluntary allocation changes in connection with the GLWB Rider cancellation.

VI-24

Allocations and transfers are restricted further if you have a GLWB Rider. See Part 6.

To request a reallocation, you may write to our Administrative Office at the address in the Glossary. Mail sent to any other address may not be in Good Order. You may also contact your sales representative to request a reallocation. Each request for a reallocation or transfer must specify:


•	the contract number; and


•	the Subaccounts and allocation percentages stated in whole percentages.

If one portion of a reallocation request involving multiple Subaccounts violates our policies or is not in Good Order, the entire request will not be processed. You will need to resubmit a request that is in Good Order for your reallocation to be processed.

You may also request a reallocation through our telephone transfer service using your personal identifiers. We will honor telephone instructions from any person who provides correct identifying information. We are not responsible for fraudulent telephone requests we believe to be genuine according to these procedures. Accordingly, you bear the risk of loss if unauthorized persons make reallocations on your behalf. Telephone reallocations may be requested from 9:00 a.m. to 5:00 p.m. Eastern Time, on any day we are open for business.

If we receive your request in Good Order at our Administrative Office before 4:00 p.m. Eastern Time (or the close of the New York Stock Exchange, if earlier) on a Business Day, you will receive the Unit Values for the Subaccounts as of the close of business on the day you call.

Requests received at our Administrative Office at or after 4:00 p.m. Eastern Time (or the close of the New York Stock Exchange, if earlier) on a Business Day, or received on a day other than a Business Day, will be processed using Unit Values as of the close of business on the next Business Day. We will confirm all reallocations in writing.

Detrimental Effect of Trading on Unit Values

This contract is intended for long-term investing only and is not intended as a vehicle for frequent trading. Reallocations (transfers) among Subaccounts are strictly limited under the terms of this contract. See Part 5, section titled "Allocations and Transfers." We may refuse any reallocation request for an owner or certain owners if we believe, in our sole discretion, that a specific request or group of requests may have a detrimental effect on Unit Values. We will notify you or your designated representative if your requested reallocation is not made.

Specific Notice Regarding the Use of this Annuity for Market Timing or Frequent Trading

This contract is not designed to serve as a vehicle for trading in response to short-term fluctuations in the market. You cannot engage in intra-day trading of the ETFs available through the Subaccounts. Any person that intends to engage in stale price arbitrage, utilize market timing practices or make frequent transfers for any reason should not purchase this contract.

If we determine, in our sole discretion, that a contract owner is attempting to engage in improper trading, we may revoke their same-day reallocation/transfer privileges and require their trades to be submitted via U.S. Mail or overnight delivery service. We may reverse transactions made in violation of our market timing policies. We may modify these restrictions at any time in our sole discretion.

Withdrawals

You may make withdrawals as often as you wish, subject to following rules:


•	Each withdrawal must be at least $250.


•	Your Account Value remaining after a partial withdrawal, including any withdrawal charge, must be at least $20,000. (Please note that you may fully surrender your contract at any time.) This rule does not apply to a withdrawal of your Free Withdrawal Amount, your RMD, or if you have a GLWB Rider.

VI-25

Unless you request a withdrawal from a specific Investment Option, we will take the withdrawal from your Investment Options, pro rata, in the same proportion their value bears to your total Account Value. For example, if your Account Value is divided in equal 25% portions among four Subaccounts, when you make a withdrawal, 25% of the Account Value will come from each of your four Subaccounts.

Withdrawals are processed when a request is received in Good Order at our Administrative Office. When you take a withdrawal from a Subaccount, Units are redeemed at the Unit Value as of the next close of the New York Stock Exchange.

The total amount deducted from your Account Value will be the withdrawal amount requested, plus any withdrawal charge that applies (see Part 4, section titled "Withdrawal Charge"). The amount you receive will be the amount you requested, less any applicable tax withholding. Withdrawals are handled differently if you elect a GLWB Rider. See Part 6.

Withdrawals are attributed to your Account Value in the following order: (1) any remaining Free Withdrawal Amount; (2) premiums that are no longer subject to a withdrawal charge and have not yet been withdrawn; (3) premiums subject to a withdrawal charge; and (4) any gain, interest, or other amount that is not considered a premium. Your investment comes out first, beginning with the oldest premium first, then next oldest and so on. Any gain or earnings in your contract come out only after an amount equal to all premiums, and any applicable charges on those premiums, are withdrawn. Please note, however, that for tax purposes, withdrawals are considered to be gain first. See Part 8.

Your financial professional or a third party may have offered you asset allocation or investment advisory services for your contract. Fees you pay for such investment advisory services are in addition to any contract charges. While we no longer accept these arrangements, if you already have them in place, the payments are withdrawals from your Account Value and will be subject to any applicable withdrawal charge. We will withdraw the requested payment according to the third party's instructions (including instructions about which Subaccounts to withdraw the fee from) and send you a confirmation of the transaction. We will not verify the accuracy of the amount being requested.

Examples of withdrawals and the application of a withdrawal charge are located in Appendix B.

Additional restrictions apply to withdrawals if you have a GLWB Rider. See Part 6.

Your Death Benefit is reduced by withdrawals on a proportional basis. See Part 5, section titled "Death Benefit."

Most of the withdrawals you make before you are 59½ years old are subject to a 10% federal tax penalty. See Part 8.

Free Withdrawal Amount

You may take your Free Withdrawal Amount each Contract Year without paying a withdrawal charge. The Free Withdrawal Amount is the greater of:


•	10% of your Account Value on the date of the withdrawal, minus any partial withdrawals taken during the current Contract Year; or


•	10% of your Account Value at your most recent Contract Anniversary, minus any partial withdrawals taken during the current Contract Year. (During your first Contract Year, this amount is 10% of your initial premium received on the Contract Date.)

If your RMD (based on the fair market value of this contract only as calculated by us) is greater than your Free Withdrawal Amount, we will allow you to take the RMD as your Free Withdrawal Amount, but only once each Contract Year. Because your RMD is based on a calendar year, you should plan in advance to coordinate your RMD with your available Free Withdrawal Amount.

If you do not take the Free Withdrawal Amount in any one Contract Year, you cannot add it, or any unused portion of it, to the next year’s Free Withdrawal Amount.

VI-26

The Free Withdrawal Amount does not apply to a full surrender. Taking your Free Withdrawal Amount will not reduce the total withdrawal charge applicable to your premium. If you take a subsequent withdrawal for more than the Free Withdrawal Amount or if you surrender the contract, we will assess any applicable withdrawal charge on the amount of your premiums withdrawn, which are not reduced for any Free Withdrawal Amount you have taken.

The Free Withdrawal Amount is available for withdrawal only. The Free Withdrawal Amount is not available for transfer to another IRA or other qualified contract or account.

Timing of Payment of a Withdrawal or Surrender

We normally send you partial or full withdrawals (or apply your Account Value to the purchase of an Annuity Option) within seven days after receipt of the required form at our Administrative Office. However, we can defer our action for any period during which:


(1)	the New York Stock Exchange has been closed, other than a weekend or holiday, or trading on it is restricted;


(2)	an emergency exists as determined by the SEC so that disposal of securities is not reasonably practicable or it is not reasonably practicable for the Separate Account fairly to determine the value of its net assets; or


(3)	the SEC, by order, permits us to defer action in order to protect persons with interests in the Separate Account.

Assignments

This contract is an IRA and you are not legally permitted to assign, pledge or otherwise transfer the contract. Pledging or assigning an IRA can cause loss of qualified status and result in some or all of the Account Value being included in your income. A 10% federal tax penalty also may apply.

Death Benefit

We will pay the Death Benefit to your properly designated beneficiary if you die before the Annuity Date.

The Death Benefit amount will be the greater of:


1.	the Account Value on the Death Benefit Date; and


2.	your total premiums minus proportionate adjustments for partial withdrawals, including any withdrawal charge. A proportional adjustment means that your Death Benefit will be reduced by the same percentage as your withdrawal bears to your Account Value at the time of withdrawal.

Example of the effect of withdrawals on the Death Benefit:


•	if your Death Benefit is $100,000 and your current Account Value is $80,000,


•	and you take a withdrawal of $10,000,


•	we will reduce your Death Benefit by 12.5% because that is the same percentage that your withdrawal bears to the Account Value at the time of the withdrawal

($10,000 / $80,000);


•	therefore, your Death Benefit is reduced by $12,500.

Because the Account Value at the time of the withdrawal in this example is less than the Death Benefit, the Death Benefit is decreased by a larger dollar amount than the partial withdrawal amount.

This example is for illustrative purposes only and does not predict results.

Your beneficiary generally has a choice of how to receive the Death Benefit.


1.	The beneficiary may take a lump sum. If the beneficiary elects this option, we will pay the Death Benefit to the beneficiary.

VI-27


2.	The beneficiary may defer for up to five years. If the beneficiary elects this option, we will allow the beneficiary to keep the Death Benefit invested in the available Subaccounts for a period of up to five years. Separate account charges will continue to apply. At the end of five years, the entire amount must be paid to the beneficiary.


3.	The beneficiary may treat the contract as an inherited IRA. If the beneficiary elects this option, we will allow the beneficiary to keep the Death Benefit amount invested in the available Subaccounts. Separate account charges will continue to apply. The beneficiary must choose to receive the Death Benefit as either:


a)	an immediate annuity with a life contingency; or


b)	substantially equal payments over his or her life expectancy as defined by the Tax Code. The beneficiary may choose the longer of his or her life expectancy or the deceased owner’s life expectancy (both as defined by the Tax Code) if the owner dies after the Required Beginning Date. (For Roth IRAs, the owner is presumed to have died before the Required Beginning Date.)

Distributions must begin by December 31 of the calendar year after the owner’s death; however if the beneficiary is your spouse and has elected this option, distributions may begin at the end of the calendar year in which the owner would have reached age 70½, if later. A spouse also may elect to continue the contract as described below in the section titled “Spousal Continuation.” If the beneficiary fails to make an election within a reasonable time, we may automatically process the claim as if option two were elected.

The following restrictions apply to the inherited IRA contract: (i) the inherited IRA owner may not add premium to the contract; (ii) the Death Benefit available to the beneficiary of the inherited IRA owner is the Account Value on the Death Benefit Date after the death of the inherited IRA owner; and (iii) the beneficiary of the inherited IRA owner will be required to receive the remaining Account Value either in a lump sum, over five years or over the life expectancy of the inherited IRA owner as determined by the Tax Code.

For more information on inherited IRAs, see Part 8, section titled “Inherited IRAs” and IRS Publication 590. You should seek independent tax advice.

If your beneficiary is not a human being, the beneficiary must elect either a lump sum or deferral for up to five years. If the owner is a trust, custodian or other entity, the owner must name itself as the sole beneficiary.

Spousal Continuation

If your sole primary beneficiary is your spouse, the contract may be continued in your spouse’s name as the owner. If spousal continuation is elected, we will increase the continued contract’s Account Value to the same amount that would have been paid to your surviving spouse had he or she taken the Death Benefit as a lump sum distribution. This increase will be added to the Subaccounts you have selected on a pro rata basis. For example, if the Account Value at death was $100,000, but we would have paid out a Death Benefit of $115,000, the surviving spouse’s contract will continue with $115,000 as the Account Value.

All terms and conditions of the contract continue to apply including the withdrawal charge. When the surviving spouse dies, the Death Benefit will be paid to the beneficiary named by the surviving spouse.

A same-sex surviving spouse is recognized as your spouse under the Tax Code and will qualify for the federal tax advantages of spousal continuation.

The survivor of a civil union or domestic partnership is not recognized as your spouse under the Tax Code and the federal tax advantages of spousal continuation are not available. The survivor of a civil union or domestic partnership may elect to continue the contract under its terms. The continuation of the contract by such surviving civil union or domestic partner, however, is treated as an ordinary transfer of ownership and will be a taxable event.

VI-28

Selecting and Changing Your Beneficiary

You may name one or more beneficiaries as primary or contingent beneficiaries. The Death Benefit will be paid to your primary beneficiaries who are alive at the time of your death. If no primary beneficiary survives your death, then the Death Benefit will be paid to your contingent beneficiaries, if any. If no beneficiary survives your death (primary or contingent) or none has been named, the Death Benefit will be paid to your estate.

If multiple beneficiaries in either category (primary or contingent) are named, the Death Benefit will be split into equal shares among the beneficiaries in that category who are alive at the time of your death, unless you specify otherwise in your beneficiary designation.

If you die on or after the Annuity Date and before the entire interest in the contract has been distributed, then the rest of the annuity must be distributed to the beneficiary at least as quickly as the method in effect when you died.

You may change any beneficiary by sending the appropriate form in Good Order to the Administrative Office. We may limit the number of beneficiaries you can have at one time. Please consult your financial professional and tax advisor to properly identify your beneficiaries so that the Death Benefit is paid as you intend. Please be sure to name your spouse as your sole primary beneficiary so that spousal continuation of the contract can occur, if that is your intention. You may wish to name a contingent beneficiary in case your spouse dies before you. If the owner is a custodian, the owner must name itself as the sole beneficiary.

Filing Death Claims

To file a death claim, the beneficiary must promptly submit an original certified death certificate and company death claim paperwork that is in Good Order, including the beneficiary's election of how they wish to receive the Death Benefit proceeds. On the date we first receive notice of the owner’s death, we will stop all pending automatic transactions, including rebalancing and systematic withdrawals; however, any money in the STO will be transferred to the Subaccounts according to the owner’s allocation.

During the period from the date of death until we receive all required paperwork in Good Order, the Account Value will remain invested in the Subaccounts as allocated by you at the time of your death. As a result, the Account Value continues to reflect the investment performance of the Subaccounts during this period and will be subject to market fluctuations. Separate account charges will continue to apply.

If there are multiple beneficiaries, after one beneficiary submits death claim paperwork, the Death Benefit will be calculated and the first beneficiary will receive payment according to his or her election. The remaining beneficiaries’ share of the Death Benefit will be invested in the Subaccounts as allocated by you at the time of your death and subject to market fluctuations.

Maturity Date and Annuity Option

Your Annuity Option is available anytime on or after your first Contract Anniversary until the Maturity Date. You may elect your Annuity Option by writing to the Administrative Office any time on or after your first Contract Anniversary and before the Maturity Date. Upon the Maturity Date, you may elect to receive a lump sum of your Account Value, or you may elect an Annuity Option.

An Annuity Option can provide for fixed payments, which may be made monthly, quarterly, semi-annually or annually. For any annuity, the minimum payment must be at least $100. If the minimum monthly payment under a guaranteed Annuity Option would be less than $20, we will pay you a lump sum of your Account Value instead. All Annuity Options are funded through our General Account.

The amount applied toward the purchase of a guaranteed Annuity Option under the contract will be the Account Value less any premium tax. The guaranteed Annuity Options are single life and ten years certain or joint life and ten years certain. These options provide a fixed life income annuity with 10 years of payments guaranteed.

VI-29

We will also use the Account Value less any premium tax to determine your annuity payments if you select a non-guaranteed Annuity Option with either (i) life contingencies, or (ii) a period certain that provides for fixed payments over ten or more years.

We currently offer the additional Annuity Options listed below; however, we may eliminate or change the non-guaranteed options available at any time:


•	period-certain annuity, which provides for fixed payments for a fixed period. The fixed periods available may vary from time to time and the fixed period selected may not extend past your life expectancy. The amount is determined by the period you select. If the Annuitant dies before the end of the period selected, the beneficiary will receive the remaining periodic payments.

•

period-certain life annuity, which provides for fixed payments for at least the period selected and after that for the life of the Annuitant or the lives of the Annuitant and any joint Annuitant under a joint and survivor annuity. The fixed periods available may vary from time to time. If the Annuitant (or the Annuitant and the joint Annuitant under a joint and survivor annuity) dies before the fixed period selected ends, the remaining payments in the fixed period will go to the beneficiary.


•	life only annuity, which provides fixed payments for the life of the Annuitant, or until the Annuitant and joint Annuitant both die under a joint and survivor annuity. Once the Annuitant (or last joint Annuitant) dies, no further payments will be made and no value remains for any beneficiaries.

If you have not already selected a form of Annuity Option, we will contact you prior to your Maturity Date. You can tell us at that time if you would like a lump sum payment, or select the type of annuity you want. If we do not receive your election on or before your Maturity Date, you will automatically receive the single life and ten-year certain Annuity Option guaranteed under the contract.

Annuity Payments

Once payments begin under an Annuity Option, payments will not change. The size of payments will depend on the amount applied to the Annuity Option, the form of Annuity Option you chose and, in the case of an Annuity Option with life contingencies, on the Annuitant's age and sex (where permissible).

If the age or sex of an Annuitant has been misstated, you will receive the benefits that would have been purchased at the correct age and gender. Any overpayments or underpayments made by us will not be charged or credited with interest, unless required by your state. If we have made overpayments because of incorrect information about age or gender, we will deduct the overpayment from the next payment or payments due. We add underpayments to the next payment.

How You Make Requests and Give Instructions

When you write to our Administrative Office, use the address listed in the Glossary of this prospectus. We cannot honor your requests unless they are in proper and complete form. Whenever possible, use one of our printed forms, which may be obtained from our Administrative Office.

Abandoned or Unclaimed Property

Every state has laws that generally provide for payment to the state of unclaimed property, including proceeds of annuity contracts, under various circumstances. This is called escheatment. In addition to the state unclaimed property laws, we may be required to escheat property pursuant to regulatory demand, finding, agreement or settlement. To help prevent escheatment, it is important that you keep your contact information on file with us up to date, including the names, addresses, phone numbers, social security numbers and dates of birth for owners, annuitants, beneficiaries and other payees. Such updates must be communicated in Good Order to our Administrative Office.

VI-30

Part 6 – Optional Benefits

You may purchase one of the optional GLWB Riders offered with this contract, which provides additional benefits for an additional charge. You may only elect a Rider at the time of application. Benefits under a Rider will replace or supplement the standard contract benefits. Charges for an optional benefit Rider are in addition to the standard contract charges. Be sure you understand the charges. Carefully consider whether you need the benefit and whether it is appropriate for your particular circumstances. Also consider whether you can buy the benefit more cheaply as part of the variable annuity or with a separate contract.

Guaranteed Lifetime Withdrawal Benefit

Each Guaranteed Lifetime Withdrawal Benefit (GLWB) is an optional Rider you may purchase for an additional charge. You may select the Individual GLWB Rider or the Spousal GLWB Rider.

The GLWB Rider guarantees lifetime payments for you (or you and your covered spouse if you elect the Spousal GLWB Rider) regardless of how your investments perform, as long as the Rider is in effect. You are the covered person under the Individual GLWB Rider. You and your spouse are the covered persons under the Spousal GLWB Rider. If you take Nonguaranteed Withdrawals, as explained below, your Benefit Base will decrease immediately, your lifetime payments may decrease and the Rider may terminate.

Lifetime Payout Amount (LPA)

The LPA is the amount we guarantee you can receive each calendar year for your lifetime (or for as long as either you or your covered spouse is alive if you elect the Spousal GLWB Rider). You are eligible to begin receiving your LPA on the LPA Eligibility Date.

For the Individual GLWB Rider, the LPA Eligibility Date is the earlier of the following:


•	January 1^st after the calendar year in which you turn age 60 (if you turn age 60 on January 1^st, your LPA will be available beginning on that day); or


•	the Contract Date, if you are age 60 or older at the time you purchase your contract. The LPA available during the calendar year in which you purchase your contract will be prorated for the portion of the calendar year remaining.

For the Spousal GLWB Rider, the LPA Eligibility Date is the earlier of the following:


•	January 1^st after the calendar year in which the younger of you or your spouse turns age 60 (if the younger of you or your spouse turns age 60 on January 1^st, your LPA will be available beginning on that day); or


•	the Contract Date, if the younger of you or your spouse is age 60 or older at the time you purchase your contract. The LPA available during the calendar year in which you purchase your contract will be prorated for the portion of the calendar year remaining.

The LPA is equal to the applicable Withdrawal Percentage multiplied by the Benefit Base on January 1^st each year on or after the LPA Eligibility Date. For the Spousal GLWB Rider, that amount is then multiplied by 90% (this 90% is called the Spousal Factor).

Withdrawal Percentage - The applicable Withdrawal Percentage is determined by the following formula:

A + B + C, where:


(A)	is the Age Based Percentage stated on the chart below:



Age*	Age Based Percentage
60-64	4.00%
65-69	4.50%
70-74	5.00%
75 +	5.50%

VI-31

*The Age Based Percentage is determined by your age (or the age of the younger of you or your spouse if you have elected the Spousal GLWB Rider). The Age Based Percentage is locked in on the date of the first withdrawal from the contract on or after the LPA Eligibility Date.


(B)	is the cumulative Deferral Percentage. The cumulative Deferral Percentage begins at zero and increases by 0.10% for each complete calendar year that you do not take a withdrawal.


(C)	is a First Year Deferral Percentage stated on the chart below:



Contract Date	First Year Deferral Percentage
January 1-March 31	0.075%
April 1-June 30	0.050%
July 1-September 30	0.025%
October 1-December 31	0.000%

The First Year Deferral Percentage is a one time addition to your Withdrawal Percentage that varies based on your Contract Date, provided you do not take a withdrawal in the calendar year containing the Contract Date.

Benefit Base - Your initial Benefit Base is equal to your initial premium received by us on the Contract Date. Your Benefit Base will be adjusted as follows:


1.	On each Contract Anniversary, your Benefit Base will be compared to your Account Value and if the Account Value is greater than the Benefit Base, we will step up your Benefit Base to equal the Account Value.


2.	If you take a Nonguaranteed Withdrawal, we will immediately decrease your Benefit Base as described in the section titled “Nonguaranteed Withdrawal” below.


3.	On the date we receive an additional premium during the first Contract Year, we will immediately increase your Benefit Base by the amount of the additional premium. Additional premiums received after the first Contract Year will not increase your Benefit Base. They will, however, increase the Account Value, which is used to determine if a step up applies on the next Contract Anniversary.

The Benefit Base is used only to measure the LPA and is not available for withdrawal or payable as a death benefit.

If you (or the younger of you and your spouse if you have elected the Spousal GLWB Rider) have reached the LPA Eligibility Date on the Contract Date, your LPA for the calendar year that contains the Contract Date will be prorated for the portion of the calendar year remaining. The factor used to prorate the LPA is the number of days remaining in the calendar year (not including the Contract Date) divided by the number of days in the calendar year.

If you withdraw less than the LPA in any calendar year, you cannot carry over or add the remaining LPA to withdrawals made in future years.

If your RMD is greater than the LPA for any calendar year, the RMD will be the LPA for that calendar year.

Nonguaranteed Withdrawal

Before your LPA Eligibility Date, a Nonguaranteed Withdrawal is the total amount of any withdrawal, including any withdrawal charge.

On or After your LPA Eligibility Date, a Nonguaranteed Withdrawal is all or a portion of any withdrawal, including any withdrawal charge, that, when combined with your total withdrawals for that calendar year, exceeds your LPA.

If you take a Nonguaranteed Withdrawal, your Benefit Base will immediately decrease by the adjusted Nonguaranteed Withdrawal amount. The adjusted Nonguaranteed Withdrawal amount is defined as the Nonguaranteed Withdrawal amount multiplied by the greater of 1.0 and the ratio of Benefit Base to Account Value (Benefit Base divided by Account Value), where both values are determined immediately before the Nonguaranteed Withdrawal. The Account Value immediately before the Nonguaranteed Withdrawal means that the Account Value will be reduced by any remaining LPA prior to the calculation.

VI-32

Taking Nonguaranteed Withdrawals could reduce your future benefits by more than the dollar amount of the Nonguaranteed Withdrawals.

The example below demonstrates how a Nonguaranteed Withdrawal affects the Benefit Base, using the following assumptions:


•	Individual GLWB in effect


•	Benefit Base = $100,000


•	Account Value = $85,000


•	LPA = $5,000


•	One withdrawal is taken during the calendar year = $7,000


•	Withdrawal taken after LPA Eligibility Date


•	No withdrawal charge applies.

The Nonguaranteed Withdrawal amount is $2,000, which is equal to your total calendar year withdrawals ($7,000) minus your LPA ($5,000). The adjusted Nonguaranteed Withdrawal is $2,500:

$2,500 = $2,000 (Nonguaranteed Withdrawal amount) x the greater of 1.0 or [$100,000 (Benefit Base immediately before the Nonguaranteed Withdrawal) / $80,000 (Account Value immediately before the Nonguaranteed Withdrawal)]

Your Benefit Base will be reduced by $2,500 to $97,500.

This example is for illustrative purposes only and does not predict results.

Other Important Facts about Withdrawals


•	You will not receive the intended benefit of this Rider if you take Nonguaranteed Withdrawals. Nonguaranteed Withdrawals can have a significant negative effect on your Benefit Base and your LPA.

•

A withdrawal charge may apply. If you withdraw more than your Free Withdrawal Amount (10% of the Account Value in any Contract Year) but the withdrawal does not exceed your LPA, any applicable withdrawal charge will be waived. If you withdraw more than the Free Withdrawal Amount and any portion of the withdrawal is a Nonguaranteed Withdrawal, a withdrawal charge, if any, will be applied on the entire amount that is greater than the Free Withdrawal Amount. See Part 4, “Withdrawal Charge” and Part 5, “Withdrawals." Following is an example of how a withdrawal charge may apply:

Assume:

Individual GLWB in effect

Premium: $40,000

Account Value before withdrawal: $18,000

Withdrawal charge percentage applicable to premium: 6%

Lifetime Payment Amount: $ 2,000

Case 1: Owner requests withdrawal of $2,000 (LPA)

The Free Withdrawal Amount is calculated as $18,000 x 10% = $1,800. The $2,000 requested withdrawal is greater than the remaining Free Withdrawal Amount; however, it does not exceed the LPA. No withdrawal charge will apply.

Case 2: Owner requests withdrawal of $2,500

The Free Withdrawal Amount is $1,800. Since the requested withdrawal exceeds the LPA, withdrawal charges will apply. After applying the withdrawal first to the Free Withdrawal Amount, this leaves $700 ($2,500 - $1,800), which will be subject to a withdrawal charge of $42 ($700 x 6%).

VI-33


•	Withdrawals must be taken pro rata from your Investment Options. You cannot make a withdrawal from specific Investment Options.


•	You may not take a withdrawal on your Contract Date.


•	If you request a withdrawal, we will withdraw the total amount you requested from your Account Value, however the amount you receive will be net of tax withholding and withdrawal charge, if applicable.


•	You must use our withdrawal form to request withdrawals. Contact our Administrative Office to obtain the form.

GLWB Rider Charge

The GLWB Rider charge is a daily charge taken from the Account Value in your Subaccounts. The charge is in addition to the separate account charges for the contract and reduces your Unit Values. The charge varies depending on which GLWB Investment Strategy you choose. The following table shows the effective annual rates for the Rider charge:



GLWB Investment Strategy	Current GLWB Charge	Current GLWB Charge with Total Separate Account Expenses
Strategy 1 – Basic Allocation	0.60%	2.35%
Strategy 2 – Self Style Allocation	0.80%	2.55%

We may increase the annual charge for the GLWB Rider up to the maximum of 1.50%. The maximum GLWB charge plus total separate account charges would be 3.25% for either GLWB Investment Strategy.

If we do increase the charge, we will give you prior written notice of each increase. If you do not wish to accept an increase, you may elect to either


•	cancel the Rider; or


•	continue the Rider with a reduction in the Withdrawal Percentage as determined by us, effective at the time of the Rider charge increase (may not be available in CA and CT). The maximum reduction in the Withdrawal Percentage is 1.00%, regardless of the number of Rider charge increases.

We do not deduct the Rider charge during the Guaranteed Payment Phase.

The GLWB Rider charge is the same for the Individual GLWB Rider and the Spousal GLWB Rider. The LPA is adjusted downward – by the Spousal Factor of 90% – for the Spousal GLWB Rider instead of an additional charge.

GLWB Investment Strategies

If you purchase the GLWB Rider, you must allocate your premium to only one of the two GLWB Investment Strategies described below. Once you select a GLWB Investment Strategy, you cannot switch to another GLWB Investment Strategy. As a result of the GLWB Rider investment restrictions, you will always have some degree of exposure to the market. You cannot eliminate this exposure even during periods of market volatility. These GLWB Investment Strategies are designed for long-term investors seeking withdrawal guarantees. (Note that the Subaccounts available in the GLWB Investment Strategies are also available without the Rider.)

The GLWB Investment Strategies are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments under the GLWB Rider. The GLWB Investment Strategies are designed to lower the volatility of returns from your Subaccounts. Subaccounts that are available without limitation (if the GLWB Rider is not selected) may offer the potential for higher returns. Before you select the GLWB Rider, you and your financial representative should carefully consider whether the GLWB Investment Strategies available with the Rider meet your investment objectives and risk tolerance.

VI-34

GLWB Investment Strategy 1 – Basic Allocation

You must allocate your premium according to one of the three models: Blend, Growth or Value. You may reallocate from one model to another, as discussed below.



Subaccount	Model 1 - Growth	Model 2 - Blend	Model 3 - Value
iShares Core S&P 500 ETF	30%	40%	30%
iShares Core S&P Mid-Cap ETF	10%	10%	10%
iShares Core S&P Small-Cap ETF	5%	5%	5%
iShares International Treasury Bond ETF	5%	5%	5%
iShares S&P 500 Growth ETF	10%
iShares S&P 500 Value ETF			10%
Vanguard Developed Markets Index Fund, ETF Shares	5%	5%	5%
Vanguard Total Bond Market Index Fund, ETF Shares	35%	35%	35%

GLWB Investment Strategy 2 – Self Style Allocation

You may select one or more of the Subaccounts in two or more groups, as long as your allocations add up to 100% and are within the minimum and maximum allocation percentages indicated for each group.



Group 1 Core Fixed Income Minimum 35% Maximum 65%	Group 2 Core Equity Minimum 35% Maximum 65%	Group 3 Non-Core Fixed Income Minimum 0% Maximum 30%	Group 4 Non-Core Equity Minimum 0% Maximum 30%	Group 5 International/Alternative Minimum 0% Maximum 15%
iShares Core U.S. Aggregate Bond ETF	iShares Core S&P 500 ETF	iShares iBoxx $ High Yield Corporate Bond ETF	iShares Core S&P Mid-Cap ETF	iShares International Treasury Bond ETF
iShares Intermediate Credit Bond ETF	Vanguard Dividend Appreciation Index Fund, ETF Shares	iShares TIPS Bond ETF	iShares Core S&P Small-Cap ETF	Vanguard Developed Markets Index Fund, ETF Shares
Vanguard Total Bond Market Index Fund, ETF Shares	Vanguard Large-Cap Index Fund, ETF Shares	Vanguard Intermediate-Term Corporate Bond Index Fund, ETF Shares	iShares S&P 500 Growth ETF	Vanguard Emerging Markets Stock Index Fund, ETF Shares
		Vanguard Short-Term Bond Index Fund, ETF Shares	iShares S&P 500 Value ETF	Vanguard REIT Index Fund, ETF Shares
		Fidelity Variable Insurance Products Government Money Market Portfolio	Vanguard Mega Cap Index Fund, ETF Shares

For more information about these Subaccounts, including information relating to their investment objectives and policies, and the risks of investing, see Part 3, as well as the Fund prospectuses. You can obtain a copy of the Fund prospectuses by contacting our Administrative Office listed in the Glossary. You should read the Fund prospectuses carefully before investing.

In addition to your allocation to one of the two GLWB Investment Strategies, you may invest some or all of your initial premium received by us on the Contract Date in the STO. Transfers from the STO to the Subaccounts must

VI-35

be according to GLWB Investment Strategy and allocation you have selected. See Part 3, section titled “The Fixed Account” for more information about the STO.

Subject to required approvals by federal and state authorities, we may add, remove, change, close, substitute or limit investment in the GLWB Investment Strategies or the Subaccounts at any time.

Allocations and Transfers for the GLWB

In addition to the allocation and transfer rules under the contract (See Part 5, section titled "Allocations and Transfers"), the following additional rules and limitations apply to your allocations and transfers:


•	Your one allocation allowed on the contract must meet the requirements of one of the two GLWB Investment Strategies.


•	Your Account Value will be automatically rebalanced to your allocation percentages each contract quarter.


•	You cannot move from one GLWB Investment Strategy to another.


•	In GLWB Investment Strategy 1, you can reallocate your Account Value invested in one model to another model. The reallocation will reset your Account Value to the required percentages for the new model. Each reallocation triggers the 60-day waiting period before you can make another reallocation.


•	In GLWB Investment Strategy 2, you can reallocate your Account Value invested in Strategy 2 as long as your new allocation is within the minimum and maximum allocation percentages for each group. Each reallocation triggers the 60-day waiting period before you can make another reallocation.

Your financial professional or a third party may have offered you asset allocation or investment advisory services related to this annuity contract or Rider for an additional fee to be deducted from your contract. Such fees are considered withdrawals and could cause a Nonguaranteed Withdrawal. Therefore, if you purchase a GLWB Rider, we do not recommend using this annuity contract to pay for such services.

Withdrawal Protection for Required Minimum Distributions

If your contract is a traditional IRA or a SEP IRA, you may be required to withdraw money in order to satisfy IRS minimum distribution requirements after you reach age 70½.

We will calculate the RMD for this annuity contract based on its prior calendar year-end fair market value. We do not consider your other assets or distributions in making this calculation. This is the RMD protected under the GLWB Riders, except if you elect the spousal Rider and your spouse is more than 10 years younger than you. In that case, due to your age difference, you will be required to take your RMD for this annuity contract before the LPA Eligibility Date; if you take your RMD from this contract’s Account Value, each withdrawal will be a Nonguaranteed Withdrawal until the LPA Eligibility Date is reached. You are solely responsible for meeting all requirements of the Tax Code.

After the LPA Eligibility Date, you may take the greater of your LPA or your RMD each calendar year. In the year you turn 70½ the Tax Code provides that you may take your first RMD prior to April 1st of the following calendar year; however, with a GLWB Rider, you must take your first annual RMD in the calendar year you turn age 70½ in order to avoid a potential Nonguaranteed Withdrawal.

We may make any changes we deem necessary to comply with the tax laws. We are not liable for any tax consequences you incur arising from this contract or your obligations under the Tax Code. You should discuss these matters with your tax advisor prior to electing a GLWB Rider.

Continuation of the Spousal GLWB at Owner’s Death

Married spouses – If your covered spouse is recognized under the Tax Code, including same-sex spouses, he or she will have the option to continue the contract and the GLWB Rider at the time of your death. Your covered spouse will become the owner and annuitant of the contract and all terms and conditions of the contract continue to apply. See Part 5, section titled “Spousal Continuation.”

Civil Union or Domestic Partners – for civil union or domestic partners as defined by state law, the covered partner may continue to receive the LPA under the terms of the Rider. Due to federal tax laws, however, not all terms of the contract can be applied. If the covered partner wishes to continue receiving the LPA, he or she must elect to treat

VI-36

the contract as an inherited IRA. See Part 5, section titled “Death Benefit.” All provisions of the contract and the GLWB Rider still apply, except (i) the covered partner must take at least the RMD each calendar year (caution: this may cause a Nonguaranteed Withdrawal if the LPA Eligibility Date has not been reached); (ii) the covered partner cannot add premium to the contract; (iii) the Death Benefit available to the beneficiary of the covered partner is limited to the Account Value on the Death Benefit Date; and (iv) the beneficiary of the covered partner will be required to receive the remaining Account Value either in a lump sum, over five years or over the life expectancy of the covered partner as determined by the Tax Code. These restrictions are required by the Tax Code.

Guaranteed Payment Phase

The Guaranteed Payment Phase begins on or after the LPA Eligibility Date if either:


•	Before the Maturity Date, the Account Value reduces to zero (other than as a result of a Nonguaranteed Withdrawal or the voluntary election of an Annuity Option).


•	On the Maturity Date, you elect to continue to receive annual payments equal to the then current LPA through a life only Annuity Option (or joint life if you have elected the Spousal GLWB Rider and both you and your covered spouse are still living.) If you do not elect the LPA Annuity Option, you will automatically receive a single life and 10-year certain Annuity Option under your Contract.

When the contract begins the Guaranteed Payment Phase, we will send you a written notice and any remaining LPA that you have not taken during the current calendar year. (If your contract enters the Guaranteed Payment Phase on the Maturity Date, we will set your Account Value to zero.) Beginning the next calendar year, and in each calendar year during the Guaranteed Payment Phase, you will receive your LPA. The Guaranteed Payment Phase will continue until the death of the owner (or owner and covered spouse if the Spousal GLWB is elected).

Once the Guaranteed Payment Phase begins, all other rights, benefits, values and charges under the contract and the GLWB Rider will terminate, except those described in this section and in the "Cancellation and Termination of Rider" section below. The Guaranteed Payment Phase will end if the Rider terminates. See "Cancellation and Termination of Rider" section below. We should be notified immediately upon the death of the owner (or covered spouse if the Spousal GLWB is elected).

Cancellation and Termination of Rider

You may cancel the Rider during the first 45 days of each Contract Year beginning on the fifth Contract Anniversary. Upon termination of the Rider, the Rider charge will no longer be assessed. All other charges will remain in effect.

This Rider will terminate automatically on the earliest of the following dates:


1.	for the Individual GLWB Rider, the date you die, and for the Spousal GLWB Rider, the date the later of you or your covered spouse dies;


2.	the date the Account Value equals zero due to a Nonguaranteed Withdrawal;


3.	the date that ownership of the contract or Rider is transferred or the contract, Rider or any benefits under the contract or Rider are assigned unless the new owner assumes full ownership of the contract and is essentially the same person as the current owner (e.g. a change to a court appointed guardian representing the owner during the owner’s lifetime) or the new owner is a covered person;


4.	on the Maturity Date, unless you elect to receive your LPA through a life only Annuity Option, or joint life only Annuity Option if you have elected the Spousal GLWB Rider and your covered spouse is still living;


5.	the date you voluntarily elect an Annuity Option under the contract;


6.	the date you cancel the GLWB Rider; or


7.	the date you surrender the contract.

Once cancelled or terminated, this Rider may not be reinstated.

Additional Rules

The following additional rules apply if you elect a GLWB Rider:


•	You must be between 45 and 80 years old on the Contract Date in order to elect the Individual GLWB Rider. In order to elect the Spousal GLWB Rider, the younger of you or your spouse must be at least 45 years old and the older of you or your spouse must be no more than 80 years old on the Contract Date.


•	The Company may refuse to accept additional premiums on a nondiscriminatory basis at any time.

VI-37


•	We may require proof that you (or your covered spouse) are living at any time.


•	You cannot switch from an Individual GLWB Rider to a Spousal GLWB Rider or vice versa.


•	Income Plus Withdrawal Program is not available.


•	Choices Plus Required Minimum Distribution Program is not available.


•	Customized Asset Rebalancing Program is not available.


•	Systematic withdrawal of RMD only is not available.

Additional Rules that Apply to the Spousal GLWB Rider


1.	Only your legal spouse (as defined by applicable state law) on the Contract Date may be named as a covered person under the Spousal GLWB Rider.


2.	You must name your spouse as your sole primary beneficiary.


3.	You cannot add or change a spouse as a covered person.


4.	If your marriage is terminated (such as by divorce or dissolution) or your spouse dies, your spouse is automatically removed as a covered person. If you subsequently remarry, you cannot add the new spouse.


5.	You must provide us with notice of the divorce or termination of marriage.


6.	Once the spouse is removed as a covered person, lifetime withdrawals under the Spousal GLWB Rider are no longer guaranteed for the lives of both you and your spouse. (If a spouse is removed, you can name a new beneficiary to receive the Death Benefit.)


7.	If a spouse is removed and is no longer a covered person, the LPA Eligibility Date and the Age Based Percentage are still based on the younger of you or your (now removed) spouse.


8.	If a spouse is removed and is no longer a covered person, the Spousal Factor of 90% will continue to apply to your LPA calculation.

Should You Purchase the GLWB Rider?

The addition of a GLWB Rider to your annuity contract may not be right for you. For example:


•	if you are purchasing the GLWB Rider to meet income needs, you should consider whether an immediate annuity is better suited to your situation;


•	if you do not expect to take withdrawals while this Rider is in effect, you do not need a GLWB Rider because the benefit is accessed through withdrawals; or


•	if you are likely to need to take withdrawals prior to your LPA Eligibility Date or in an amount that is greater than the LPA or RMD for this contract only, you should carefully evaluate whether a GLWB Rider is appropriate, due to the negative effect of Nonguaranteed Withdrawals on your Benefit Base.


•	If your spouse is 10 or more years younger than you, the Spousal GLWB Rider may not be suitable for you.

At older ages, benefits paid may not exceed the charges associated with the Rider depending on how long the covered person lives.

You should consult with your tax advisor and financial representative and carefully consider your alternatives before deciding if a GLWB Rider is suitable for your needs.

Examples

Please see Appendix C for hypothetical examples that illustrate how the GLWB Riders work.

Part 7 – Voting Rights

How Fund Shares Are Voted

Integrity Life is the legal owner of the Fund shares held by the Separate Account. As a shareholder, we have the right to vote on certain matters with respect to the Funds. Among other things, we may vote to elect the Fund’s Board of Directors, to ratify the selection of independent auditors, and on any other matters described in a current prospectus or statement of additional information for each Fund, or any matter requiring a vote by shareholders under the 1940 Act.

VI-38

Whenever a shareholder vote is taken, we will give you the opportunity to tell us how to vote the number of shares attributable to the Units in your contract. We will send you proxy materials and a form for giving us voting instructions.

If we do not receive instructions in time from all contract owners, we will vote shares for which we have not received instructions in the same proportion as we vote shares for which we have received instructions. As a result of this proportional voting, the vote of a small number of contract owners may determine the outcome of a proposal. We may vote any shares that we are entitled to vote directly, because of amounts we have accumulated in our Separate Account, as we deem appropriate. If the federal securities laws or regulations or interpretations of them change so that we are permitted to vote shares in our own right or to restrict contract owner voting, we may do so.

Fund shares are sold to investors other than us. Therefore, the shares voted by all shareholders will dilute the effect of voting instructions received by us from our contract owners.

How We Determine Your Voting Shares

You vote only on matters concerning the Funds that correspond to the Subaccounts in which you are invested on the record date set by the Trust. We determine the number of shares you vote by dividing your Account Value in each Subaccount by the total value of assets in the Subaccount multiplied by the number of shares in the Subaccount.

Part 8 – Tax Aspects of the Contract

Tax Status of the Contract

This contract is only available as a traditional IRA, Roth IRA, or SEP IRA. If you were able to purchase this contract as other than an IRA, the contract would not satisfy the diversification requirements under federal tax law to be treated as an annuity contract for federal income tax purposes, and you would be currently taxed on your investment and gain.

Variable annuity contracts (other than certain pension and qualified retirement plan contracts, including IRAs) are generally not treated as annuities for federal income tax purposes, and thus lose their tax-deferred character, if they do not satisfy certain diversification requirements set forth in Section 817(h) of the Tax Code. Investing in the ETF shares that are "publicly available," i.e., that can be purchased directly without purchasing a variable annuity or life insurance contract, is incompatible with these requirements. Accordingly, standing alone, the contract would not be treated as an annuity contract for federal income tax purposes. However, we believe that an individual purchasing a contract as an IRA will not be taxed currently on the investment and gain.

Contracts that qualify as IRAs are not subject to restrictions against investing in publicly available investments if the contracts meet certain requirements set forth by the IRS. We believe this contract will meet those requirements, although there is no guarantee that this will be the case. If this contract is not maintained as an IRA, the taxes on the premiums and any gain will not be deferred (or for a Roth IRA, taxes on the gain will not be free from federal income tax) and the tax treatment will be uncertain.

Types of IRAs

Traditional IRAs

Section 408 of the Tax Code permits eligible individuals to contribute to an individual retirement program known as an IRA. An IRA can be in the form of a trust or custodial account or an annuity. An individual may make annual contributions to an IRA of up to the lesser of the limit specified in the Tax Code ($5,500 for 2014 and $5,500 plus cost of living adjustment in 2015 and beyond) or 100% of compensation includible in the individual's gross income. For an individual age 50 or older, the limit is increased by $1,000. The premiums may be deductible in whole or in part, depending on the individual's income and whether the individual or spouse participates in an employer sponsored retirement plan. Contribution limits set by the Tax Code are cumulative limits that apply to all traditional and Roth IRAs owned by an individual. Distributions from another IRA or certain eligible employer plans may be transferred or "rolled over" into an IRA on a tax-deferred basis without regard to these limits. Amounts in the IRA are taxed when distributed from the IRA at ordinary income tax rates. A 10% penalty tax (discussed below)

VI-39

generally applies to distributions made before age 59½, subject to certain exceptions. IRAs have minimum distribution rules (also discussed below) that govern the timing and amount of required distributions from traditional IRAs.

SEP IRAs

Section 408 of the Tax Code permits SEP IRAs, which are a type of IRAs that allows employers to contribute to IRAs on behalf of their employees. Employer premiums made to an employee's SEP IRA cannot exceed the lesser of (1) 25% of the employee's compensation, and (2) a limit specified in the Tax Code ($52,000 for 2014). Distributions from SEP IRAs are subject to the same restrictions and rules that apply to IRA distributions.

Roth IRAs

Section 408A of the Tax Code permits certain eligible individuals to make non-deductible contributions to a Roth IRA in cash or as a rollover or transfer from another Roth IRA or other IRA. Only individuals with income below certain amounts specified in the Tax Code may contribute to a Roth IRA. An eligible individual may make annual contributions to a Roth IRA of up to the lesser of the limit specified in the Tax Code ($5,500 for 2014 and $5,500 plus cost of living adjustment in 2015 and beyond) or 100% of compensation includible in the individual's gross income. For an individual age 50 or older, the limit is increased by $1,000. Contribution limits set by the Tax Code are cumulative limits that apply to all traditional and Roth IRAs owned by an individual. A rollover from, or conversion of, an IRA to a Roth IRA is generally subject to tax on the full amount rolled over or converted.

You should consult a tax advisor before converting amounts to a Roth IRA or combining any converted amounts with any other Roth IRA contributions, including any other conversion amounts from other tax years.

Distributions from a Roth IRA generally are not taxed, except that, once aggregate distributions exceed premiums to the Roth IRA, income tax and a 10% penalty tax (discussed below) may apply to distributions made (1) before age 59 1/2 (subject to certain exceptions), or (2) during the five taxable years starting with the year in which the first contribution is made to any Roth IRA.

Rollovers and Transfers

In many circumstances you may move money tax-free from one IRA to another IRA or from other qualified plans, such as a 401(k) plan or 403(b) tax sheltered annuity, to an IRA by means of a direct rollover or a transfer. You may roll over, directly or indirectly, any eligible rollover distribution. An eligible rollover distribution is defined generally as any distribution of all or part of the balance from a qualified plan, except you cannot roll over the following taxable distributions from another plan:


•	any distribution that is part of a series of substantially equal payments made over your life expectancy;


•	any distribution made for a specified period of 10 years or more;


•	any distribution that is an RMD; or


•	any hardship distribution.

Also, you cannot roll over from a SIMPLE IRA during the first two years of participation in the SIMPLE IRA and you cannot roll over after-tax contribution that is included in the other plans.

You can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs you own. The limit will apply by aggregating all of an individual’s IRAs, including SEP and SIMPLE IRAs as well as traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. Trustee-to-trustee transfers between IRAs are not limited. Rollovers from traditional to Roth IRAs (“conversions”) are not limited.

Tax laws are complex and your individual situation is unique. You should always consult a tax advisor before you move or attempt to move assets between any IRA or qualified plan and another qualified contract or plan.

VI-40

Early Distributions

Premature distributions are subject to an additional penalty tax equal to 10% of the amount of any payment from your IRA that is includible in your income. This penalty is in addition to ordinary income tax. Amounts paid from your IRA before you reach 59½ are considered premature distributions unless:


1.	the distribution is paid due to your death or disability;


2.	the distribution is the result of an Internal Revenue Service levy on the IRA;


3.	the distributions do not exceed your deductible medical expenses;


4.	you have received unemployment compensation under a federal or state program for at least 12 consecutive weeks and the distributions do not exceed the amount paid for health insurance coverage for yourself, your spouse and your dependents;


5.	a tax free rollover of the distribution is made;


6.	the distribution is part of a series of level periodic payments made over your life expectancy or joint life expectancy of you and your beneficiary;


7.	the distribution is used to cover certain qualified education expenses; or


8.	the distribution is used to cover qualified first-time home purchase expense (up to a lifetime maximum of $10,000).

Required Minimum Distributions (RMD)

For traditional and SEP IRAs, RMDs generally must commence no later than April 1 of the calendar year following the calendar year in which the owner reaches age 70½ . The distribution required by April 1 is the distribution required for the year in which the owner actually turns 70½ years old. You must take distributions for each calendar year after the year the owner turn age 70½ by December 31 of that year. The amount of the RMD is based on the prior year-end fair market value of your contract.

If your contract provides an additional benefit, such as the optional GLWB Rider, the fair market value of your contract may increase by the actuarial present value of the benefit. Therefore, the amount of the RMD you must take may increase.

If you have more than one IRA, the distributions required by the Tax Code for all IRAs in the aggregate may be met by taking distributions from one or more of your IRAs. Please note, however, that only the RMD as defined in the glossary one time each Contract Year is protected from a withdrawal charge (see Part 5, section titled “Free Withdrawal Amount”) and from being a Nonguaranteed Withdrawal if you have a GLWB Rider (See Part 6, section titled “Withdrawal Protection for Required Minimum Distributions.)

Failure to comply with the RMD rules applicable to qualified contracts may result in the imposition of an excise tax. This excise tax generally equals 50% of the amount by which an RMD exceeds the actual distribution from the contract.

Roth IRAs do not require distributions at any time prior to the owner's death.

Inherited IRAs

The death benefit paid under this contract may be extended as an inherited IRA. This occurs if, after the death of the owner, the owner's beneficiary directs that the death proceeds be titled as an inherited IRA. See Part 5, section titled “Death Benefit.” The owner's beneficiary of the original IRA contract will become the inherited IRA owner and may name his or her own beneficiary in the event of death.

The inherited IRA owner may invest in the Subaccounts then available under the contract. Separate account charges will continue to apply. The inherited IRA owner must take RMDs beginning on or before December 31 of the calendar year after the original owner’s death. If the beneficiary is a spouse and has elected this option, distributions may begin at the end of the calendar year in which the owner would have reached age 70½, if later.

If the original owner dies before the Required Beginning Date, the inherited IRA owner must take RMD over his or her life expectancy as defined by the Tax Code. If the owner dies after the Required Beginning Date, the inherited

VI-41

IRA owner may choose the longer of his or her life expectancy or the deceased owner’s life expectancy, both as defined by the Tax Code. (For Roth IRAs, the owner is presumed to have died before the Required Beginning Date.)

The following chart summarizes the date when RMDs must begin and the life used to measure the RMDs:



Death of Owner	Spouse	Nonspouse
Before Required Beginning Date	Distributions must begin by the later of (i) 12/31 of year after the calendar year of owner’s death, or (ii) 12/31 of the year when the deceased owner would have reached age 70½. RMD based on beneficiary life expectancy.	Distributions must begin by 12/31 of year after the calendar year of owner’s death. RMD based on beneficiary life expectancy.
After Required Beginning Date (Traditional and SEP IRAs only)	Distributions must begin by 12/31 of year after the calendar year of owner’s death RMD may be based on longer of the owner’s or beneficiary’s life expectancy.	Distributions must begin by 12/31 of year after the calendar year of owner’s death RMD may be based on longer of the owner’s or beneficiary’s life expectancy.

The following restrictions apply to the inherited IRA contract: (i) the inherited IRA owner may not add premium to the contract; (ii) the Death Benefit available to the beneficiary of the inherited IRA owner is the Account Value on the Death Benefit Date after the death of the inherited IRA owner; (iii) the beneficiary of the inherited IRA owner will be required to receive the remaining Account Value either in a lump sum, over five years or over the life expectancy of the inherited IRA owner as determined by the Tax Code.

A tax penalty applies if the inherited IRA owner fails to take the RMD. The tax penalty equals 50% of the excess of the RMD over the amount actually withdrawn from the inherited IRA during the calendar year.

For more information on inherited IRAs, see Part IRS Publication 590. Seek independent tax advice.

Federal and State Income Tax Withholding

We may be required to withhold federal income taxes on all distributions unless the eligible recipients elect not to have any amounts withheld and properly notify us of that election.

Certain states have indicated that pension and annuity withholding will apply to payments made to their residents. Generally, an election out of federal withholding will also be considered an election out of state withholding. For more information concerning a particular state, call our Administrative Office listed in the Glossary.

Tax Status of the Company

Under existing federal income tax laws, we do not pay tax on investment income and realized capital gains of the Separate Account. We do not anticipate that we will incur any federal income tax liability on the income and gains earned by the Separate Account. The Company, therefore, does not impose a charge for federal income taxes. If federal income tax law changes and we must pay tax on some or all of the income and gains earned by the Separate Account, we may impose a charge against the Separate Account to pay the taxes. We can also set up reserves for taxes. We receive a tax deduction for dividends received by the Funds.

Transfers among Subaccounts

There will not be any current tax liability if you transfer any part of the Account Value among the Subaccounts of your contract.

VI-42

Seek Tax Advice

Integrity Life does not act as your tax or legal advisor. This discussion of the federal income tax treatment of the contract is not designed to cover all situations and is not intended to be tax advice. It is based upon our understanding of the present federal income tax laws as currently interpreted by the Internal Revenue Service (IRS) and various courts. The IRS or the courts may change their views on the treatment of these contracts. Future legislation may have a negative effect on annuity contracts or IRAs. Also, we have not attempted to consider any applicable state or other tax laws.

Because of the complexity of the tax laws and the fact that tax results will vary according to the particular circumstances, anyone considering buying a contract, selecting an Annuity Option under the contract, or receiving annuity payments under a contract should consult a qualified tax advisor.

You should carefully consider the advantages and disadvantages of owning a variable annuity as an IRA or tax-qualified plan, as well as the costs and benefits of the contract (including the death benefits, income benefits and other non-tax-related benefits), before you purchase the contract as an IRA.

This contract includes an enhanced death benefit and offers an optional living benefit. The IRS requires an actuarial present value of enhanced benefits to be added to the Account Value for purposes of calculating the fair market value of the annuity and determining the RMD.

The IRS has not reviewed the contract for qualification as an IRA and we make no guarantees that the contract will so qualify. Integrity Life does not guarantee the tax status, federal, state, or local, of any contract or any transaction involving the contracts.

Part 9 – Additional Information

Systematic Withdrawal Program

We offer a program that allows you to pre-authorize periodic withdrawals from your contract prior to your Annuity Date. You can choose to have withdrawals made monthly, quarterly, semi-annually or annually and can specify the day of the month (other than the 29^th, 30^th or 31^st) on which the withdrawal is to be made. If you do not select how often you want to receive withdrawals, we will make them on a monthly basis. You may specify a dollar amount or an annual percentage to be withdrawn, such as the Free Withdrawal Amount. The minimum Systematic Withdrawal is $100. If you do not have enough Account Value to make the withdrawal you have specified, no withdrawal will be made and your enrollment in the program will end. You may specify an account for direct deposit of your Systematic Withdrawals. Direct deposit is required for monthly withdrawals. Withdrawals under this program are subject to withdrawal charges, if any (see Part 4, section titled "Withdrawal Charge") and to income tax and a 10% tax penalty if you are under age 59½. See Part 8.

To enroll in our Systematic Withdrawal Program, send the appropriate form to our Administrative Office. You may terminate your participation in the program upon prior written notice. We may terminate or change the Systematic Withdrawal Program at any time.

Income Plus Withdrawal Program

We offer an Income Plus Withdrawal Program that allows you to pre-authorize substantially equal periodic withdrawals, based on your life expectancy as defined by the Tax Code, from your contract anytime before you reach age 59½. You will not have to pay a tax penalty for these withdrawals, but they will be subject to ordinary income tax. See Part 8. Once you begin receiving your withdrawals under this program, you should not change or stop the withdrawals until the later of:


•	the date you reach age 59½; and


•	five years from the date of the first withdrawal under the program.

If you change or stop the withdrawals or take an additional withdrawal, you may have to pay a 10% penalty tax that would have been due on all prior withdrawals made under the Income Plus Withdrawal Program before you reached the date described above, plus interest.

VI-43

You may choose to have withdrawals made monthly, quarterly, semi-annually or annually and may specify the day of the month (other than the 29^th, 30^th or 31^st) on which the withdrawal is made. You may specify an account for direct deposit of your withdrawals. Direct deposit is required for monthly withdrawals. We will calculate the amount of the withdrawal, subject to a $100 minimum. We are not responsible for any tax or other liability you may incur if our good faith calculations are not correct. You should consult with your tax advisor to ensure these withdrawals are appropriate to your situation.

If on any withdrawal date you do not have enough Account Value to make the withdrawals you specified, no withdrawal will be made and your enrollment in the program will end.

To enroll in our Income Plus Withdrawal Program, send the appropriate form to our Administrative Office. You may end your participation in the program upon prior written notice. We may terminate or change the Income Plus Withdrawal Program at any time. This program is not available in connection with the Systematic Withdrawal Program. Withdrawals under this program are subject to a withdrawal charge, if any. See Part 4, section titled "Withdrawal Charge."

This program is not available with a GLWB Rider. See Part 6.

Choices Plus Required Minimum Distribution (RMD) Program

We offer a Choices Plus RMD Program that allows you to pre-authorize withdrawals from your IRA after you attain age 70½. The Tax Code requires that you take minimum distributions beginning on or before April 1of the calendar year following the calendar year in which you turn 70½ years old. The distribution required by April 1 is the distribution required for the year you actually turn 70½ years old. You must take distributions for each calendar year after the year you turn age 70½ by December 31 of that year. These withdrawals are subject to ordinary income tax. See Part 8.

You can choose the Choices Plus RMD Program at any time if you are age 70½ or older by sending the election form to our Administrative Office. You can choose to have withdrawals made monthly, quarterly, semi-annually, or annually and can specify the day of the month (other than the 29^th, 30^th, or 31^st) on which the withdrawal is made. You may specify an account for direct deposit of your withdrawals. Direct deposit is required for monthly withdrawals. As a convenience, we will calculate the amount of the withdrawals. We are not responsible for any tax or other liability you may incur if our good faith calculations are not correct. You should consult with your tax advisor to ensure these withdrawals are appropriate to your situation.

Withdrawals of Account Value that are made as part of the Choices Plus program are not subject to a withdrawal charge, as long as you do not take additional withdrawals. You may end your participation in the program upon prior written notice. We may terminate or change the Choices Plus RMD Program at any time.

This program is not available with a GLWB Rider. See Part 6, section titled "Withdrawal Protection for Required Minimum Distributions."

Systematic Transfer Program

We offer a Systematic Transfer Program where we accept new premiums into a Systematic Transfer Option (STO), which is a Fixed Account, and make transfers out of the STO to one or more Subaccounts on a monthly or quarterly basis. We will transfer your STO premiums in approximately equal installments of at least $1,000 monthly over a six-month or monthly or quarterly over a one-year period, depending on the options you select. You can only invest in either the six-month or one-year STO at any one time, but not both. If you do not have enough Account Value in the STO to transfer to each Subaccount specified, a final transfer will be made on a pro rata basis and your enrollment in the program will end. All interest accrued and any Account Value remaining in the STO at the end of the period during which transfers are scheduled to be made will be transferred at the end of that period on a pro rata basis to the Subaccounts you chose for this program. You cannot transfer Account Value into the STO.

Transfers made under our Systematic Transfer Program do not trigger a 60-day waiting period. See Part 4, section titled “Allocations and Transfers.”

VI-44

To enroll in our Systematic Transfer Program, send the appropriate form to our Administrative Office. We can end the Systematic Transfer Program in whole or in part, or restrict premiums to the program.

This program is available with a GLWB Rider only for the initial premium we received on the Contract Date. See Part 6.

Customized Asset Rebalancing Program

Asset rebalancing allows you to maintain a diversified investment mix that is appropriate for your goals and risk tolerance. Because your different Subaccounts will experience different gains and losses at different times, your asset allocation may shift from your preferred mix. Asset rebalancing periodically resets your investments to your original allocations, ensuring that your asset mix stays in line with your investment strategy.

We offer a Customized Asset Rebalancing Program that allows you to have your investments rebalanced to your allocation percentages periodically. You can choose to rebalance quarterly, semi-annually or annually.

The Account Value in the currently available Subaccounts will automatically be rebalanced back to your allocation percentages by selling all existing Units subject to rebalancing and repurchasing Units according to your allocation. You will receive a confirmation notice after each rebalancing. Subaccounts that are closed to new purchases, and the Fixed Account, are not included in the Customized Asset Rebalancing Program.

Transfers under our Customized Asset Rebalancing Program do not trigger a 60-day waiting period. See Part 4, section titled “Allocations and Transfers.”

To enroll in our Customized Asset Rebalancing Program, send the appropriate form to our Administrative Office. You may terminate your participation in the program upon prior written notice. We may end or change the Customized Asset Rebalancing Program at any time. We recommend you consult with your financial professional when establishing your allocation.

This program is not available with a GLWB Rider because quarterly rebalancing is required. See Part 6.

Legal Proceedings

Integrity Life is a party to litigation and arbitration proceedings in the ordinary course of its business. None of these matters is expected to have a material adverse effect on Integrity Life.

Table of Contents of Statement of Additional Information



	Page
General Information and History	1
Administration and Distribution of the Contracts	1
Performance Data and Illustrations	2
Distributions from Tax Favored Retirement Programs	4
Financial Statements	4

If you would like to receive a copy of the Statement of Additional Information, please write:

Administrative Office

Integrity Life Insurance Company

400 Broadway

Cincinnati, OH 45201-3341

ATTN: Request SAI for Integrity Life VAROOM dated May 1, 2017

VI-45

Appendix A

Financial Information for Separate Account I of Integrity Life

The table below shows the following data for the Subaccounts currently offered: Unit Value at inception; the number of Units outstanding at December 31 of each year since inception; and the Unit Value at the beginning and end of each period since inception. Product sales began January 3, 2011.



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
iShares Core S&P 500 ETF (3715) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$41.59 $45.83 10,736	$41.80 $41.59 9,288	$37.45 $41.80 9,094	$28.69 $37.45 9,227	$25.27 $28.69 7,135	$24.95 $25.27 6,119	$25.00 $24.95 0	$25.00 12-21-10
iShares Core S&P 500 ETF – GLWB Investment Strategy 1 (3715E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$40.33 $44.17 177,070	$40.78 $40.33 202,560	$36.76 $40.78 216,093	$28.33 $36.76 226,901	$25.11 $28.33 249,609	$24.95 $25.11 198,035	$25.00 $24.95 0	$25.00 12-21-10
iShares Core S&P 500 ETF – GLWB Investment Strategy 2 (3715E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$39.92 $43.63 16,507	$40.44 $39.92 18,105	$36.54 $40.44 19,603	$28.22 36.54 21,138	$25.06 $28.22 18,403	$24.95 $25.06 15,582	$25.00 $24.95 0	$25.00 12-21-10
iShares Core S&P Mid-Cap ETF (3717) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$37.67 $44.66 5,229	$39.23 $37.67 4,977	$36.41 $39.23 5,943	$27.72 $36.41 6,023	$23.90 $27.72 5,385	$24.87 $23.90 3,684	$25.00 $24.87 0	$25.00 12-21-10
iShares Core S&P Mid-Cap ETF – GLWB Investment Strategy 1 (3717E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$36.53 $43.04 52,190	$38.28 $36.53 62,327	$35.74 $38.28 65,599	$27.38 $35.74 65,945	$23.75 $27.38 74,933	$24.87 $23.75 59,028	$25.00 $24.87 0	$25.00 12-21-10
iShares Core S&P Mid-Cap ETF – GLWB Investment Strategy 2 (3717E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$36.15 $42.51 6,780	$37.96 $36.15 7,913	$35.52 $37.96 7,972	$27.26 $35.52 7,961	$23.70 $27.26 7,178	$24.87 $23.70 6,773	$25.00 $24.87 0	$25.00 12-21-10

VI-46



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
iShares Core S&P Small-Cap ETF (3718) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$38.87 $48.35 3,345	$40.40 $38.87 3,435	$38.87 $40.40 3,420	$27.88 $38.87 5,251	$24.48 $27.88 3,257	$24.74 $24.48 2,019	$25.00 $24.74 0	$25.00 12-21-10
iShares Core S&P Small-Cap ETF – GLWB Investment Strategy 1 (3718E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$37.69 $46.60 24,581	$39.41 $37.69 30,213	$38.16 $39.41 32,250	$27.53 $38.16 31,044	$24.33 $27.53 37,461	$24.73 $24.33 29,360	$25.00 $24.73 0	$25.00 12-21-10
iShares Core S&P Small-Cap ETF – GLWB Investment Strategy 2 (3718E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$37.31 $46.03 3,278	$39.09 $37.31 3,850	$37.92 $39.09 4,019	$27.42 $37.92 4,082	$24.28 $27.42 3,795	$24.73 $24.28 3,366	$25.00 $24.73 0	$25.00 12-21-10
iShares Core U.S. Aggregate Bond ETF (3710) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.77 $26.94 4,020	$27.12 $26.77 4,201	$26.04 $27.12 5,059	$27.04 $26.04 5,246	$26.52 $27.04 7,680	$25.10 $26.52 7,883	$25.00 $25.10 0	$25.00 12-21-10
iShares Core U.S. Aggregate Bond ETF – GLWB Investment Strategy 1 (3710E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.96 $25.96 0	$26.46 $25.96 0	$25.56 $26.46 0	$26.71 $25.56 0	$26.35 $26.71 0	$25.09 $26.35 0	$25.00 $25.09 0	$25.00 12-21-10
iShares Core U.S. Aggregate Bond ETF – GLWB Investment Strategy 2 (3710E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.69 $25.64 20,224	$26.24 $25.69 20,997	$25.40 $26.24 20,447	$26.60 $25.40 20,141	$26.30 $26.60 17,921	$25.09 $26.30 13,258	$25.00 $25.09 0	$25.00 12-21-10
iShares iBoxx $ High Yield Corporate Bond ETF (3713) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$28.02 $31.22 534	$30.03 $28.02 534	$30.00 $30.03 523	$28.85 $30.00 523	$26.33 $28.85 523	$25.27 $26.33 318	$25.00 $25.27 0	$25.00 12-21-10
iShares iBoxx $ High Yield Corporate Bond ETF – GLWB Investment Strategy 1 (3713E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$27.17 $30.09 0	$29.30 $27.17 0	$29.45 $29.30 0	$28.49 $29.45 0	$26.17 $28.49 0	$25.27 $26.17 0	$25.00 $25.27 0	$25.00 12-21-10

VI-47



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
iShares iBoxx $ High Yield Corporate Bond ETF – GLWB Investment Strategy 2 (3713E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.90 $29.72 525	$29.06 $26.90 882	$29.27 $29.06 1,642	$28.38 $29.27 1,572	$26.11 $28.38 2,548	$25.27 $26.11 2,202	$25.00 $25.27 0	$25.00 12-21-10
iShares Intermediate Credit Bond ETF (3711) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$27.05 $27.46 0	$27.38 $27.05 0	$26.83 $27.38 0	$27.39 $26.83 0	$26.04 $27.39 0	$25.06 $26.04 0	$25.00 $25.06 0	$25.00 12-21-10
iShares Intermediate Credit Bond ETF– GLWB Investment Strategy 1 (3711E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.23 $26.46 0	$26.71 $26.23 0	$26.34 $26.71 0	$27.05 $26.34 0	$25.88 $27.05 0	$25.05 $25.88 0	$25.00 $25.05 0	$25.00 12-21-10
iShares Intermediate Credit Bond ETF – GLWB Investment Strategy 2 (3711E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.96 $26.14 9,195	$26.49 $25.96 9,224	$26.18 $26.49 9,600	$26.94 $26.18 9,938	$25.83 $26.94 11,042	$25.05 $25.83 8,491	$25.00 $25.05 0	$25.00 12-21-10
iShares International Treasury Bond ETF (3719) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$22.51 $22.31 1,780	$24.70 $22.51 1,151	$25.85 $24.70 1,067	$26.59 $25.85 1,068	$25.65 $26.59 627	$25.72 $25.65 436	$25.00 $25.72 0	$25.00 12-21-10
iShares International Treasury Bond ETF – GLWB Investment Strategy 1 (3719E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$21.83 $21.50 48,762	$24.10 $21.83 52,924	$25.37 $24.10 50,094	$26.27 $25.37 45,011	$25.49 $26.27 38,331	$25.72 $25.49 27,160	$25.00 $25.72 0	$25.00 12-21-10
iShares International Treasury Bond ETF – GLWB Investment Strategy 2 (3719E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$21.61 $21.24 753	$23.90 $21.61 840	$25.22 $23.90 741	$26.16 $25.22 701	$25.44 $26.16 1,533	$25.72 $25.44 1,340	$25.00 $25.72 0	$25.00 12-21-10
iShares S&P 500 Growth ETF (3714) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$43.73 $45.89 3,015	$42.23 $43.73 3,434	$37.49 $42.23 3,347	$28.70 $37.49 3,369	$25.63 $28.70 1,024	$24.96 $25.63 663	$25.00 $24.96 0	$25.00 12-21-10

VI-48



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
iShares S&P 500 Growth ETF – GLWB Investment Strategy 1 (3714E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$42.40 $44.22 14,577	$41.20 $42.40 15,578	$36.80 $41.20 17,151	$28.35 $36.80 18,733	$25.47 $28.35 20,625	$24.96 $25.47 16,402	$25.00 $24.96 0	$25.00 12-21-10
iShares S&P 500 Growth ETF – GLWB Investment Strategy 2 (3714E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$41.97 $43.68 768	$40.87 $41.97 829	$36.57 $40.87 188	$28.23 $36.57 332	$25.42 $28.23 612	$24.96 $25.42 609	$25.00 $24.96 0	$25.00 12-21-10
iShares S&P 500 Value ETF (3716) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$38.44 $44.31 2,234	$40.46 $38.44 1,852	$36.71 $40.46 1,835	$28.39 $36.71 1,885	$24.46 $28.39 1,961	$25.04 $24.46 675	$25.00 $25.04 0	$25.00 12-21-10
iShares S&P 500 Value ETF – GLWB Investment Strategy 1 (3716E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$37.28 $42.70 8,854	$39.47 $37.28 11,093	$36.03 $39.47 11,354	$28.04 $36.03 12,366	$24.31 $28.04 13,836	$25.03 $24.31 10,998	$25.00 $25.03 0	$25.00 12-21-10
iShares S&P 500 Value ETF – GLWB Investment Strategy 2 (3716E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$36.90 $42.18 943	$39.15 $36.90 1,005	$35.81 $39.15 995	$27.92 $35.81 834	$24.25 $27.92 1,457	$25.03 $24.25 1,586	$25.00 $25.03 0	$25.00 12-21-10
iShares TIPS Bond ETF (3712) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.56 $26.28 3,214	$26.48 $25.56 3,248	$26.01 $26.48 4,219	$28.92 $26.01 4,254	$27.63 $28.92 7,293	$25.05 $27.63 4,605	$25.00 $25.05 0	$25.00 12-21-10
iShares TIPS Bond ETF– GLWB Investment Strategy 1 (3712E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$24.78 $25.33 0	$25.83 $24.78 0	$25.54 $25.83 0	$28.57 $25.54 0	$27.45 $28.57 0	$25.05 $27.45 0	$25.00 $25.05 0	$25.00 12-21-10
iShares TIPS Bond ETF– GLWB Investment Strategy 2 (3712E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$24.53 $25.02 1,467	$25.62 $24.53 1,878	$25.38 $25.62 2,429	$28.45 $25.38 2,161	$27.39 $28.45 2,676	$25.05 $27.39 1,871	$25.00 $25.05 0	$25.00 12-21-10

VI-49



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
Vanguard Developed Markets Index Fund, ETF Shares (3722) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$27.38 $27.62 1,830	$27.97 $27.38 1,321	$30.28 $27.97 1,253	$25.24 $30.28 1,255	$21.07 $25.24 822	$25.25 $21.07 613	$25.00 $25.25 0	$25.00 12-21-10
Vanguard Developed Markets Index Fund, ETF Shares – GLWB Investment Strategy 1 (3722E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.55 $26.61 40,966	$27.29 $26.55 43,076	$29.73 $27.29 43,946	$24.93 $29.73 39,457	$20.94 $24.93 41,961	$25.25 $20.94 32,025	$25.00 $25.25 0	$25.00 12-21-10
Vanguard Developed Markets Index Fund, ETF Shares – GLWB Investment Strategy 2 (3722E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.28 $26.29 6,592	$27.06 $26.28 5,896	$29.54 $27.06 5,328	$24.83 $29.54 4,652	$20.89 $24.83 3,018	$25.24 $20.89 2,086	$25.00 $25.24 0	$25.00 12-21-10
Vanguard Dividend Appreciation Index Fund, ETF Shares (3720) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$37.72 $41.50 5,697	$39.15 $37.72 6,209	$36.20 $39.15 7,061	$28.45 $36.20 6,167	$26.06 $28.45 4,664	$25.00 $26.06 5,075	$25.00 $25.00 0	$25.00 12-21-10
Vanguard Dividend Appreciation Index Fund, ETF Shares – GLWB Investment Strategy 1 (3720E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$36.58 $40.00 0	$38.19 $36.58 0	$35.53 $38.19 0	$28.10 $35.53 0	$25.89 $28.10 0	$24.99 $25.89 0	$25.00 $24.99 0	$25.00 12-21-10
Vanguard Dividend Appreciation Index Fund, ETF Shares – GLWB Investment Strategy 2 (3720E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$36.20 $39.51 11,891	$37.88 $36.20 13,994	$35.31 $37.88 13,473	$27.99 $35.31 13,751	$25.84 $27.99 21,318	$24.99 $25.84 16,918	$25.00 $24.99 0	$25.00 12-21-10
Vanguard Emerging Markets Stock Index Fund, ETF Shares (3721) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$18.17 $20.03 1,065	$21.97 $18.17 1,364	$22.37 $21.97 1,364	$23.91 $22.37 1,397	$20.03 $23.91 2,405	$25.67 $20.03 1,348	$25.00 $25.67 0	$25.00 12-21-10
Vanguard Emerging Markets Stock Index Fund, ETF Shares – GLWB Investment Strategy 1 (3721E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$17.62 $19.30 0	$21.43 $17.62 0	$21.96 $21.43 0	$23.61 $21.96 0	$19.91 $23.61 0	$25.67 $19.91 0	$25.00 $25.67 0	$25.00 12-21-10

VI-50



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
Vanguard Emerging Markets Stock Index Fund, ETF Shares – GLWB Investment Strategy 2 (3721E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$17.44 $19.06 5,822	$21.26 $17.44 7,779	$21.82 $21.26 7,282	$23.51 $21.82 7,241	$19.86 $23.51 6,485	$25.67 $19.86 5,696	$25.00 $25.67 0	$25.00 12-21-10
Vanguard Intermediate-Term Corporate Bond Index Fund, ETF Shares (3723) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$29.48 $30.48 301	$29.73 $29.48 301	$28.11 $29.73 301	$29.22 $28.11 301	$26.87 $29.22 301	$25.11 $26.87 301	$25.00 $25.11 0	$25.00 12-21-10
Vanguard Intermediate-Term Corporate Bond Index Fund, ETF Shares – GLWB Investment Strategy 1 (3723E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$28.58 $29.38 0	$29.00 $28.58 0	$27.59 $29.00 0	$28.86 $27.59 0	$26.70 $28.86 0	$25.10 $26.70 0	$25.00 $25.10 0	$25.00 12-21-10
Vanguard Intermediate-Term Corporate Bond Index Fund, ETF Shares – GLWB Investment Strategy 2 (3723E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$28.29 $29.02 677	$28.77 $28.29 671	$27.42 $28.77 676	$28.74 $27.42 664	$26.64 $28.74 798	$25.10 $26.64 753	$25.00 $25.10 0	$25.00 12-21-10
Vanguard Large-Cap Index Fund, ETF Shares (3724) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$41.10 $45.14 1,555	$41.41 $41.10 1,609	$37.17 $41.41 1,609	$28.39 $37.17 1,609	$24.98 $28.39 1,717	$25.07 $24.98 0	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Large-Cap Index Fund, ETF Shares – GLWB Investment Strategy 1 (3724E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$39.86 $43.50 0	$40.40 $39.86 0	$36.49 $40.40 0	$28.04 $36.49 0	$24.83 $28.04 0	$25.07 $24.83 0	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Large-Cap Index Fund, ETF Shares – GLWB Investment Strategy 2 (3724E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$39.45 $42.97 7,341	$40.07 $39.45 7,852	$36.26 $40.07 7,588	$27.93 $36.26 7,889	$24.78 $27.93 11,655	$25.07 $24.78 10,587	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Mega Cap Index Fund, ETF Shares (3725) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$41.40 $45.52 775	$41.54 $41.40 802	$37.30 $41.54 802	$28.60 $37.30 802	$25.20 $28.60 0	$25.07 $25.20 0	$25.00 $25.07 0	$25.00 12-21-10

VI-51



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
Vanguard Mega Cap Index Fund, ETF Shares – GLWB Investment Strategy 1 (3725E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$40.14 $43.87 0	$40.53 $40.14 0	$36.62 $40.53 0	$28.25 $36.62 0	$25.05 $28.25 0	$25.07 $25.05 0	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Mega Cap Index Fund, ETF Shares – GLWB Investment Strategy 2 (3725E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$39.73 $43.33 536	$40.19 $39.73 566	$36.39 $40.19 359	$28.13 $36.39 393	$24.99 $28.13 445	$25.07 $24.99 252	$25.00 $25.07 0	$25.00 12-21-10
Vanguard REIT Index Fund, ETF Shares (3726) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$40.24 $42.95 989	$39.99 $40.24 1,185	$31.23 $39.99 1,498	$31.01 $31.23 1,520	$26.89 $31.01 3,148	$25.54 $26.89 1,188	$25.00 $25.54 0	$25.00 12-21-10
Vanguard REIT Index Fund, ETF Shares – GLWB Investment Strategy 1 (3726E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$39.02 $41.39 0	$39.02 $39.02 0	$30.65 $39.02 0	$30.63 $30.65 0	$26.72 $30.63 0	$25.54 $26.72 0	$25.00 $25.54 0	$25.00 12-21-10
Vanguard REIT Index Fund, ETF Shares – GLWB Investment Strategy 2 (3726E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$38.62 $40.88 2,406	$38.70 $38.62 2,915	$30.46 $38.70 3,101	$30.50 $30.46 3,478	$26.67 $30.50 3,863	$25.54 $26.67 3,127	$25.00 $25.54 0	$25.00 12-21-10
Vanguard Short-Term Bond Index Fund, ETF Shares (3729) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$24.29 $24.18 0	$24.50 $24.29 0	$24.60 $24.50 0	$25.00 $24.60 0	$10.00 $25.00 0	-	-	$25.00 5-1-12
Vanguard Short-Term Bond Index Fund, ETF Shares – GLWB Investment Strategy 1 (3729E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$23.75 $23.50 0	$24.10 $23.75 0	$24.35 $24.10 0	$24.90 $24.35 0	$10.00 $24.90 0	-	-	$25.00 5-1-12
Vanguard Short-Term Bond Index Fund, ETF Shares – GLWB Investment Strategy 2 (3729E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$23.57 $23.28 499	$23.97 $23.57 503	$24.26 $23.97 0	$24.86 $24.26 0	$10.00 $24.86 0	-	-	$25.00 5-1-12

VI-52



Subaccount	2016	2015	2014	2013	2012	2011	2010	Value and Inception Date
Vanguard Total Bond Market Index Fund, ETF Shares (3727) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$26.78 $26.98 11,765	$27.11 $26.78 8,123	$26.05 $27.11 7,620	$27.11 $26.05 7,632	$26.38 $27.11 4,694	$25.07 $26.38 3,207	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Total Bond Market Index Fund, ETF Shares – GLWB Investment Strategy 1 (3727E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.97 $26.00 288,765	$26.45 $25.97 311,661	$25.58 $26.45 323,982	$26.78 $25.58 310,251	$26.21 $26.78 260,800	$25.07 $26.21 185,614	$25.00 $25.07 0	$25.00 12-21-10
Vanguard Total Bond Market Index Fund, ETF Shares – GLWB Investment Strategy 2 (3727E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$25.71 $25.68 27,061	$26.23 $25.71 29,045	$25.42 $26.23 29,808	$26.67 $25.42 27,492	$26.16 $26.67 27,692	$25.07 $26.16 20,435	$25.00 $25.07 0	$25.00 12-21-10
Fidelity VIP Government Money Market Portfolio, Initial Class (3730) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$10.00 $9.96 0	-	-	-	-	-	-	$10.00 9-20-16
Fidelity VIP Government Money Market Portfolio – GLWB Investment Strategy 1 (3730E02) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$10.00 $9.94 0	-	-	-	-	-	-	$10.00 9-20-16
Fidelity VIP Government Money Market Portfolio, Initial Class – GLWB Investment Strategy 2 (3730E03) Unit value at beginning of period Unit value at end of period Units outstanding at end of period	$10.00 $9.94 489	-	-	-	-	-	-	$10.00 9-20-16

VI-53

Appendix B – Withdrawal Charge Examples

We allow two ways for you to request withdrawals. In the first method, you receive the amount requested, and any withdrawal charge is taken from the Account Value. This reduces your Account Value by the amount of the withdrawal charge in addition to the amount you requested. This is the method used unless you request otherwise or unless you have elected one of the GLWB Riders. In the second method, you receive less than you requested if a withdrawal charge applies because the Account Value is reduced by the amount of the requested withdrawal and any withdrawal charge is taken from that amount.

For both methods, withdrawals are attributed to amounts in the following order:


1.	any Free Withdrawal Amount (except in the case of a surrender);


2.	premiums that are no longer subject to a withdrawal charge and have not yet been withdrawn (premiums are withdrawn from oldest to youngest);


3.	premiums subject to a withdrawal charge that have not yet been withdrawn (premiums are withdrawn from oldest to youngest);


4.	any gain, interest or other amount that is not considered a premium.

Example Assumptions

Assume one premium is paid, no previous withdrawals have been taken, and the Account Value at the time of the withdrawal is higher than the Account Value on the most recent Contract Anniversary:


Premium:	$50,000


Account Value before withdrawal:	$60,000


Requested withdrawal:	$16,000


Withdrawal charge percentage applicable to the premium:	6%

Taxes are not considered in this example.

Using the First Method

The Free Withdrawal Amount is calculated as:

$6,000 = $60,000 (Account Value on the date of the withdrawal) x 10% (free withdrawal percentage) - $0 (previous partial withdrawals during the current Contract Year).

After first applying the withdrawal to the Free Withdrawal Amount, the amount of the withdrawal still to be applied is:

$10,000 = $16,000 (requested withdrawal) - $6,000 (Free Withdrawal Amount).

There are no premiums that are no longer subject to a withdrawal charge, so the withdrawal is next applied to the premium subject to a withdrawal charge. The withdrawal charge for this method is calculated as:

$638.30 = $10,000 (portion of the withdrawal still to be attributed) x 6% (withdrawal charge percentage) / (1 – 6%) (one minus the withdrawal charge percentage).

Using this method, you will receive $16,000; however, the total Account Value withdrawn is:

$16,638.30 = $16,000 (requested withdrawal) + $638.30 (withdrawal charge).

The amount of premium still subject to a withdrawal charge is:

$39,361.70 = $50,000 (premium) - $10,638.30 (portion of withdrawal attributed to premium including the withdrawal charge).

Note, the withdrawal charge does not just apply to the premium withdrawn ($10,000 x 6%). It also applies to the withdrawal charge itself indicated by the (1- 6%) factor in the withdrawal charge formula.

VI-54

Using the Second Method

The Free Withdrawal Amount is calculated as:

$6,000 = $60,000 (Account Value on the date of the withdrawal) x 10% (free withdrawal percentage) - $0 (previous partial withdrawals during the current Contract Year).

After first applying the withdrawal to the Free Withdrawal Amount, the amount of the withdrawal still to be attributed is:

$10,000 = $16,000 (requested withdrawal) - $6,000 (Free Withdrawal Amount).

$600 = $10,000 (portion of the withdrawal still to be attributed) x 6% (withdrawal charge percentage).

Using this method, the total Account Value withdrawn is $16,000; however, you will receive:

$15,400 = $16,000 (requested withdrawal) - $600 (withdrawal charge).

The amount of premium still subject to a withdrawal charge is:

$40,000 = $50,000 (premium) - $10,000 (portion of withdrawal attributed to premium including the withdrawal charge).

Note the second method will produce the same withdrawal charge as the first method if the requested withdrawal under the second method is the same as the total Account Value withdrawn in the first method. For example, a requested withdrawal of $16,638.30 using the second method produces the same $638.30 withdrawal charge as shown in the first method above.

This example is for illustrative purposes only and does not predict results.

VI-55

Appendix C

Illustrations of Guaranteed Lifetime Withdrawal Benefit

The following examples demonstrate how the GLWB Riders work, based on the stated assumptions. These examples are for illustration only, and do not predict future investment results.

Example #1

This example illustrates the Individual GLWB Rider where withdrawals equal to the Lifetime Payout Amount (LPA), as well as a Nonguaranteed Withdrawal, have been taken, additional premiums have been added and increases to the Withdrawal Percentage and step-ups have been applied. It also illustrates payments for the life of the covered person even though the Account Value has been reduced to zero. All amounts in the table are rounded to the nearest $1.00 in this example.

Assumptions:


•	The Contract Date is June 27.


•	The Owner’s age on Contract Date is 60 years.


•	The Initial premium was $100,000; additional premiums of $10,000 were paid in calendar years 2 and 10.


•	A Nonguaranteed Withdrawal equal to $776 is taken in calendar year 14.


•	Withdrawals equal to LPA are taken in calendar years 6-13, and calendar years 15+.


•	No withdrawals are taken that would result in withdrawal charges under the contract.


•	The RMD is not higher than the LPA in any calendar year.


•	The Rider remains in effect during the period covered in this example.



	As of January 1 (A)				As of February 10 (B)		As of June 27 (C)		As of October 8 (D)
Calendar Year	Covered Person's Age	Withdrawal Percentage	Benefit Base	LPA	Additional Premium	Benefit Base after Additional Premium	Hypothetical Account Value (E)	Benefit Base after Step-Up	Hypothetical Account Value (E)	Annual Withdrawal	Adjusted Non- Guaranteed Withdrawal	Benefit Base After Withdrawal
1 (F)	60 (F)	4.000% (F)	$100,000 (F)	$2,049 (F)	$100,000 (F)	$100,000 (F)	$100,000(F)	$100,000(F)	$99,625	$0	$0	$100,000
2	61	4.050%(G)	$100,000	$4,050	$10,000 (H)	$110,000	$112,614	$112,614 (I)	$112,485	$0	$0	$112,614
3	62	4.150% (J)	$112,614	$4,673	$0	$112,614	$116,985	$116,985	$117,755	$0	$0	$116,985
4	63	4.250% (J)	$116,985	$4,972	$0	$116,985	$121,300	$121,300	$122,188	$0	$0	$121,300
5	64	4.350% (J)	$121,300	$5,277	$0	$121,300	$119,745	$121,300	$120,719	$0	$0	$121,300
6	65	4.950% (K)	$121,300	$6,004	$0	$121,300	$120,719	$121,300	$120,123	$6,004	$0	$121,300
7	66	4.950%	$121,300	$6,004	$0	$121,300	$109,554	$121,300	$110,171	$6,004	$0	$121,300
8	67	4.950%	$121,300	$6,004	$0	$121,300	$106,250	$121,300	$105,343	$6,004	$0	$121,300
9	68	4.950%	$121,300	$6,004	$0	$121,300	$99,338(L)	$121,300	$99,982	$6,004(L)	$0	$121,300

VI-56



	As of January 1 (A)				As of February 10 (B)		As of June 27 (C)		As of October 8 (D)
Calendar Year	Covered Person's Age	Withdrawal Percentage	Benefit Base	LPA	Additional Premium	Benefit Base after Additional Premium	Hypothetical Account Value (E)	Benefit Base after Step-Up	Hypothetical Account Value (E)	Annual Withdrawal	Adjusted Non- Guaranteed Withdrawal	Benefit Base After Withdrawal
10	69	4.950%	$121,300	$6,004	$10,000(L)	$121,300	$102,098(L)	$121,300	$102,181	$6,004	$0	$121,300
11	70	4.950%	$121,300	$6,004	$0	$121,300	$97,138	$121,300	$97,727	$6,004	$0	$121,300
12	71	4.950%	$121,300	$6,004	$0	$121,300	$88,053	$121,300	$88,553	$6,004	$0	$121,300
13	72	4.950%	$121,300	$6,004	$0	$121,300	$84,200	$121,300	$83,647	$6,004	$0	$121,300
14	73	4.950%	$121,300	$6,004	$0	$121,300	$78,419	$121,300	$78,981	$6,780 (M)	$1,290 (M)	$120,010(M)
15	74	4.950%	$120,010	$5,940	$0	$120,010	$72,923	$120,010	$73,461	$5,940	$0	$120,010
16	75	4.950%	$120,010	$5,940	$0	$120,010	$70,221	$120,010	$70,531	$5,940	$0	$120,010
17	76	4.950%	$120,010	$5,940	$0	$120,010	$65,236	$120,010	$65,375	$5,940	$0	$120,010
18	77	4.950%	$120,010	$5,940	$0	$120,010	$58,246	$120,010	$58,752	$5,940	$0	$120,010
19	78	4.950%	$120,010	$5,940	$0	$120,010	$50,171	$120,010	$49,888	$5,940	$0	$120,010
20	79	4.950%	$120,010	$5,940	$0	$120,010	$45,705	$120,010	$45,702	$5,940	$0	$120,010
21	80	4.950%	$120,010	$5,940	$0	$120,010	$39,364	$120,010	$38,972	$5,940	$0	$120,010
22	81	4.950%	$120,010	$5,940	$0	$120,010	$34,022	$120,010	$34,012	$5,940	$0	$120,010
23	82	4.950%	$120,010	$5,940	$0	$120,010	$28,914	$120,010	$29,175	$5,940	$0	$120,010
24	83	4.950%	$120,010	$5,940	$0	$120,010	$22,305	$120,010	$22,391	$5,940	$0	$120,010
25	84	4.950%	$120,010	$5,940	$0	$120,010	$15,628	$120,010	$15,559	$5,940	$0	$120,010
26	85	4.950%	$120,010	$5,940	$0	$120,010	$9,330	$120,010	$9,298	$5,940	$0	$120,010
27	86	4.950%	$120,010	$5,940	$0	$120,010	$3,525	$120,010	$3,554	$5,940 (N)	$0	$120,010
28	87	4.950%	$120,010	$5,940	$0	$120,010	$0	$120,010	$0	$5,940	$0	$120,010
29	88	4.950%	$120,010	$5,940	$0	$120,010	$0	$120,010	$0	$5,940	$0	$120,010
30	89	4.950%	$120,010	$5,940	$0	$120,010	$0	$120,010	$0	$5,940	$0	$120,010
31+	90	4.950%	$120,010	$5,940	$0	$120,010	$0	$120,010	$0	$5,940	$0	$120,010


(A)	The covered person's age for each year is as of January 1. Also, on each January 1, the LPA is equal to the applicable Withdrawal Percentage multiplied by the Benefit Base.

(B)

In any year that an additional premium is added, it is assumed to be added on February 10. For purposes of this example, we selected February 10 as the assumed date of additional premium payments. Since premiums may be paid throughout the year, we hoped to accurately demonstrate the effect on the contract values by using a random date other than the Contract Anniversary and January 1, which are the two key dates in the GLWB Rider calculations.


(C)	Any step-up is applied on the Contract Anniversary, which is June 27 of each year.


(D)	Any withdrawal is assumed to occur one time per year on October 8. For purposes of this example, we selected October 8 as the assumed date of withdrawals.

Since withdrawals may be made throughout the year, we hoped to accurately demonstrate the effect on the contract values by using a random date other than the Contract Anniversary and January 1, which are the two key dates in the GLWB Rider calculations.

VI-57


(E)	The hypothetical Account Value on the Contract Anniversary and on the date of the withdrawal includes deduction of all separate account charges and is before any withdrawal.


(F)	The first calendar year begins on June 27, the Contract Date. On this day, the Benefit Base ($100,000) is set equal to the initial premium ($100,000).

The Withdrawal Percentage (4.00%) is equal to the Age Based Percentage (4.00%) plus the cumulative Deferral Percentage (0%) plus the First Year Deferral Percentage (0%).

Since the covered person is at least age 60 on the date the Rider is issued, the LPA is available. It is calculated as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.0% (Withdrawal Percentage) x $100,000 (Benefit Base) = $4,000 (LPA).

Since this is the first calendar year, the LPA is multiplied by a pro rata portion of the calendar year that remains. The pro rata factor is the number of days remaining in the calendar year divided by the total number of days in the calendar year:


•	187 (Days remaining in calendar year) / 365 (Total days in calendar year assuming a non-leap year) x $4,000 (LPA) = $2,049 (1st Year LPA).


(G)	Since no withdrawal was taken in calendar year 1 and since the Contract Date was June 27, the First Year Deferral Percentage is determined as 0.050%. The Withdrawal Percentage (4.050%) is equal to the Age Based Percentage (4.00%) plus the cumulative Deferral Percentage (0%) plus the First Year Deferral Percentage (0.050%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.050% (Withdrawal Percentage) x $100,000 (Benefit Base) = $4,050 (LPA).


(H)	An additional premium of $10,000 is made during calendar year 2. Since this premium is during the first contract year, the Benefit Base is increased by the amount of the premium.


•	$100,000 (Benefit Base) + $10,000 (additional premium amount) = $110,000 Benefit Base after the additional premium.

(I)

In calendar year 2, the Benefit Base increases to $112,614 because the hypothetical Account Value on the Contract Anniversary ($112,614) is larger than the Benefit Base ($110,000). In calendar years 3 and 4, the Benefit Base again increases to the Account Value, because the Account Value on the Contract Anniversary is larger than the Benefit Base. In calendar years 5 and later, the Benefit Base is always larger than the Account Value on the Contract Anniversary, and thus is not stepped up.


(J)	Since no withdrawal was taken in calendar year 2, the cumulative Deferral Percentage is increased by 0.10%. The Withdrawal Percentage (4.150%) in calendar year 3 is equal to the Age Based Percentage (4.00%) plus the cumulative Deferral Percentage (0.10%) plus the First Year Deferral Percentage (0.050%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.150% (Withdrawal Percentage) x $112,614 (Benefit Base) = $4,673 (LPA).

Since no withdrawal was taken in calendar year 3, the cumulative Deferral Percentage is again increased by 0.10%. The Withdrawal Percentage (4.250%) in calendar year 4 is equal to the Age Based Percentage (4.00%) plus the cumulative Deferral Percentage (0.20%) plus the First Year Deferral Percentage (0.050%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.250% (Withdrawal Percentage) x $116,985 (Benefit Base) = $4,972 (LPA).

Since no withdrawal was taken in calendar year 4, the cumulative Deferral Percentage is again increased by 0.10%. The Withdrawal Percentage (4.350%) in calendar year 5 is equal to the Age Based Percentage (4.00%) plus the cumulative Deferral Percentage (0.30%) plus the First Year Deferral Percentage (0.050%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.350% (Withdrawal Percentage) x $121,300 (Benefit Base) = $5,277 (LPA).

VI-58


(K)	Since no withdrawal was taken in calendar year 5, the cumulative Deferral Percentage is again increased by 0.10%. The Age Based Percentage has changed to 4.50% because the covered person is now 65. The Withdrawal Percentage (4.950%) in calendar year 6 is equal to the Age Based Percentage (4.50%) plus the cumulative Deferral Percentage (0.40%) plus the First Year Deferral Percentage (0.050%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base:


•	4.95% (Withdrawal Percentage) x $121,300 (Benefit Base) = $6,004 (LPA).

Because there is a withdrawal during calendar year 6, the Age Based Percentage is locked at 4.50%.

(L)

An additional premium of $10,000 is made during calendar year 10. Since this premium is paid after the first Contract Year, the premium has no impact on the Benefit Base. All premiums received are immediately applied to the Account Value. For this example, we have used hypothetical Account Values in an effort to reflect market fluctuations between -6% and +6% annually. In the case of this $10,000 additional premium in Contract Year 10, the premium was applied to the Account Value, but because the hypothetical Account Value also reflects market losses, the $10,000 additional premium, assumed to be made on February 10, had declined in value by the Contract Anniversary on June 27. The evolution of the hypothetical Account Value can be seen by tracking the Account Value from June 27 of year 9 to year 10. The Account Value goes from $99,338 to $102,098 throughout the year, an increase of $2,760. During that Contract Year, there is a $6,004 withdrawal taken on October 8 and a $10,000 premium applied the following February 10; the premium is $3,996 larger than the withdrawal. That means the market experience resulted in a downward movement of $1,236 ($3,996 - $2,760) throughout the year.


•	$99,338 Account Value on June 27 of year 9


•	- $6,004 Withdrawal on October 8


•	+$10,000 Premium on February 10


•	- $1,236 Market experience


•	= $102,098 Account Value on June 27 of year 10

(M)

In calendar year 14, a Nonguaranteed Withdrawal in the amount of $776 ($6,780 amount withdrawn - $6,004 LPA) is taken. The Adjusted Nonguaranteed Withdrawal amount is the Nonguaranteed Withdrawal amount multiplied by the greater of 1.0 and the ratio of the Benefit Base to the Account Value, where both values are calculated immediately before the Nonguaranteed Withdrawal. For this calculation, the Account Value before the Nonguaranteed Withdrawal is $72,977, equal to the Account Value before any withdrawal ($78,981) minus the LPA ($6,004). It is calculated as follows:


•	$776 (Nonguaranteed Withdrawal amount) x the greater of 1.0 and 1.6622 ($121,300 Benefit Base divided by $72,977 Account Value) = $1,290 (Adjusted Nonguaranteed Withdrawal amount).

The Benefit Base is reduced by the Adjusted Nonguaranteed Withdrawal amount:


•	$121,300 (Benefit Base) - $1,290 (Adjusted Nonguaranteed Withdrawal amount) = $120,010 Benefit Base after the Nonguaranteed Withdrawal.


(N)	In calendar year 27, the Account Value is reduced to zero after the withdrawal; however, the Benefit Base is greater than zero. Therefore, the Rider enters Guaranteed Payment Phase and payments of the LPA continue.

VI-59

Example #2

This example illustrates the Spousal GLWB Rider where withdrawals equal to the LPA as well as Nonguaranteed Withdrawals have been taken and increases to the Withdrawal Percentage have been applied. It also illustrates the termination of the Rider if the Account Value is reduced to zero by a Nonguaranteed Withdrawal. All amounts in the table are rounded to the nearest $1.00 in this example.

Assumptions:


•	The Contract Date is August 8.


•	The covered persons' ages on Contract Date are: owner is 60 and spouse is 57.


•	The Initial premium is $100,000; no additional premiums are paid.


•	Withdrawals equal to LPA are taken in calendar years 4-13.


•	A Nonguaranteed Withdrawal equal to $10,000 in calendar year 3.


•	Full Account Value is withdrawn in calendar year 14.


•	No withdrawals are taken that would result in withdrawal charges under the contract.


•	The RMD is not higher than the LPA in any calendar year.


•	The Rider remains in effect during the period covered in this example.



	As of January 1 (A)					As of August 8 (B)		As of October 8 (C)
Calendar Year	Covered Persons' Ages		Withdrawal Percentage	Benefit Base	LPA	Hypothetical Account Value (D)	Benefit Base after Step-Up	Hypothetical Account Value (D)	Annual Withdrawal	Adjusted Nonguaranteed Withdrawal	Benefit Base After Withdrawal
Calendar Year	Owner	Spouse	Withdrawal Percentage	Benefit Base	LPA	Hypothetical Account Value (D)	Benefit Base after Step-Up	Hypothetical Account Value (D)	Annual Withdrawal	Adjusted Nonguaranteed Withdrawal	Benefit Base After Withdrawal
1 (E)	60 (E)	57 (E)	N/A	$100,000 (E)	N/A	$100,000(E)	$100,000(E)	$99,625	$0	$0	$100,000
2	61	58	N/A	$100,000	N/A	$103,610	$103,610(F)	$103,492	$0	$0	$103,610
3	62	59	N/A	$103,610	N/A	$106,597	$106,597	$107,299	$10,000 (G)	$10,000 (G)	$96,597 (G)
4	63	60	4.125% (H)	$96,597	$3,586(H)	$95,353	$96,597	$96,051	$3,586	$0	$96,597
5	64	61	4.125%	$96,597	$3,586	$90,616	$96,597	$91,354	$3,586	$0	$96,597
6	65	62	4.125%	$96,597	$3,586	$87,767	$96,597	$87,334	$3,586	$0	$96,597
7	66	63	4.125%	$96,597	$3,586	$80,398	$96,597	$80,850	$3,586	$0	$96,597
8	67	64	4.125%	$96,597	$3,586	$78,809	$96,597	$78,137	$3,586	$0	$96,597
9	68	65	4.125%	$96,597	$3,586	$74,550	$96,597	$75,033	$3,586	$0	$96,597
10	69	66	4.125%	$96,597	$3,586	$70,018	$96,597	$70,075	$3,586	$0	$96,597
11	70	67	4.125%	$96,597	$3,586	$67,154	$96,597	$67,561	$3,586	$0	$96,597
12	71	68	4.125%	$96,597	$3,586	$61,415	$96,597	$61,764	$3,586	$0	$96,597
13	72	69	4.125%	$96,597	$3,586	$59,341	$96,597	$58,952	$3,586	$0	$96,597
14	73	70	4.125%	$96,597	$3,586	$55,919	$96,597	$56,320	$56,320 (I)	N/A	$0
15	74	71	N/A	$0	$0	$0	$0	$0	$0	$0	$0

VI-60


(A)	The covered persons' ages for each year are as of January 1. Also, each January 1 on or after the LPA Eligibility Date, the LPA is equal to the applicable Withdrawal Percentage multiplied by the Benefit Base.


(B)	Any applicable step-up is applied on the Contract Anniversary, which is August 8 of each year.

(C)

Any applicable withdrawal is assumed to occur one time per year on October 8. For purposes of this example, we selected October 8 as the assumed date of withdrawals. Since withdrawals may be made throughout the year, we hoped to accurately demonstrate the effect on the contract values by using a random date other than the Contract Anniversary and January 1, which are the two key dates in the GLWB Rider calculations.


(D)	The hypothetical Account Value on the Contract Anniversary and on the date of the withdrawal includes deduction of all separate account charges and is before any withdrawal.


(E)	The first calendar year begins on August 8, the Contract Date. On this day, the Benefit Base ($100,000) is set equal to the initial premium ($100,000). Since the LPA is not available until the LPA Eligibility Date, the Withdrawal Percentage and the LPA are not applicable.

(F)

In calendar year 2, the Benefit Base increases to $103,610 because the hypothetical Account Value on the Contract Anniversary ($103,610) is larger than the Benefit Base ($100,000). In calendar year 3, the Benefit Base again increases to the Account Value, because the Account Value on the Contract Anniversary is larger than the Benefit Base. In calendar years 4 and later, the Benefit Base is always larger than the Account Value on the Contract Anniversary, and thus is not stepped up.


(G)	In calendar year 3, a Nonguaranteed Withdrawal in the amount of $10,000 is taken. The Adjusted Nonguaranteed Withdrawal amount is the Nonguaranteed Withdrawal amount multiplied by the greater of 1.0 or the ratio of the Benefit Base to the Account Value, where both values are calculated immediately before the Nonguaranteed Withdrawal. It is calculated as follows:


•	$10,000 (Nonguaranteed Withdrawal amount) x the greater of 1.0 and 0.9935 ($106,597 Benefit Base divided by $107,299 Account Value) = $10,000 (Adjusted Nonguaranteed Withdrawal amount).

The Benefit Base is reduced by the Adjusted Nonguaranteed Withdrawal amount:


•	$106,597 (Benefit Base) - $10,000 (Adjusted Nonguaranteed Withdrawal amount) =$96,597 Benefit Base after the Nonguaranteed Withdrawal.

(H)

January 1 of calendar year 4 is the LPA Eligibility Date; thus, the LPA is now available. Since no withdrawal was taken in calendar year 1 and since the Contract Date was August 8, the First Year Deferral Percentage is 0.025%. Since no withdrawal was taken in calendar year 2, the cumulative Deferral Percentage is 0.10%. The Age Based Percentage (4.00%) is based on the age of the younger covered person. The Withdrawal Percentage (4.125%) is equal to the Age Based Percentage (4.00%) plus the Cumulative Deferral Percentage (0.10%) plus the First Year Deferral Percentage (0.025%).

The LPA is determined as the Withdrawal Percentage multiplied by the Benefit Base multiplied by the Spousal Factor:


•	4.125% (Withdrawal Percentage) x $96,597 (Benefit Base) x 90% (Spousal Factor) = $3,586 (LPA).

Because there is a withdrawal during calendar year 4, the Age Based Percentage is locked at 4.0%.


(I)	A Nonguaranteed Withdrawal reduces the Account Value to zero in calendar year 14 and the Rider and annuity contract terminate.

VI-61

THIS PAGE INTENTIONALLY LEFT BLANK

VI-62

To request a copy of the Statement of Additional Information for the Integrity Life VAROOM variable annuity dated May 1, 2017, remove this page and mail it to us at the Administrative Office listed in the Glossary.



Name:____________________________ Phone:____________________________	Address:______________________________ ______________________________________

VI-63

STATEMENT OF ADDITIONAL INFORMATION

May 1, 2016

VAROOM^® and VAROOM^® II Deferred Flexible Premium Variable Annuities

Issued By Integrity Life Insurance Company

Through Separate Account I of Integrity Life Insurance Company

This Statement of Additional Information (SAI) is not a prospectus. It should be read in conjunction with the applicable variable annuity prospectus dated May 1, 2017.

A copy of the prospectuses to which this SAI relates is available at no charge by writing the Administrative Office at Integrity Life Insurance Company, P.O. Box 5720, Cincinnati, Ohio 45201-5720, or by calling 1-800-325-8583.



Table of Contents	Page
General Information and History...........................................................................................................	1
Administration and Distribution of the Contracts..................................................................................	1
Performance Data and Illustrations.....................................................................................................	2
Distributions from Tax-Favored Retirement Programs........................................................................	3
Financial Statements...........................................................................................................................	4

General Information and History

Integrity Life Insurance Company (Integrity) is an Ohio life insurance company organized on May 3, 1966. Its principal executive offices are located at 400 Broadway, Cincinnati, Ohio 45202. Integrity, the depositor of Separate Account I, is a wholly owned subsidiary of The Western and Southern Life Insurance Company (WSLIC), an Ohio life insurance company organized on February 23, 1888. WSLIC is a wholly owned subsidiary of Western & Southern Financial Group, Inc., an Ohio corporation, which is wholly owned by Western & Southern Mutual Holding Company, an Ohio mutual insurance holding company.

Administration and Distribution of the Contracts

Administration

Integrity has responsibility for administration of Separate Account I (the Separate Account) and the variable annuity contracts issued through the Separate Account (Contracts). Integrity has entered into a Service Agreement with WSLIC to provide certain services, including administrative services for the Separate Account and the Contracts. Compensation for these services, which is paid by Integrity, is based on the charges and expenses incurred by WSLIC, and will reflect actual costs to the extent reasonably possible.

Custodian

Mid Atlantic Trust Company (MATC), 330 South Poplar, Suite 103, Pierre, SD 57501, is the custodian for the exchange-traded funds (ETFs) held by the Subaccounts. MATC provides certain services to the Separate Account, including custody of and accounting services for the ETFs owned by the Separate Account. MATC also facilitates execution of the purchase and sale of the ETFs through broker-dealers.

Underwriter

Touchstone Securities, Inc. (Touchstone Securities), 400 Broadway, Cincinnati, Ohio 45202, an indirect subsidiary of WSLIC and an affiliate of Integrity, is the principal underwriter of the Contracts. Touchstone Securities is registered under the Securities Exchange Act of 1934 as a broker-dealer and is a member in good standing of the Financial Industry Regulatory Authority (FINRA). The Contracts are offered through Touchstone Securities on a continuous basis. The amount of distribution allowances paid to Touchstone Securities, the principal underwriter, for all variable annuity contracts issued by Integrity was $7,156,582 in 2016, $7,441,688 in 2015, and $7,892,977 in 2014. Touchstone Securities did not retain distribution allowances during these years.

Sales

The Contracts are sold by insurance agents licensed in the states where the Contracts may be lawfully sold. The agents are also registered representatives of broker-dealers, which are registered under the Securities Exchange Act of 1934 and are members of FINRA.

We make payments to the broker-dealer firms that distribute our variable annuity contracts in the form of commissions and other incentives. We may make payments in the form of expense reimbursements or marketing allowances to the broker-dealers that distribute our Contracts in exchange for privileges, including additional or special access to broker-dealers' sales staff, opportunities to provide and attend training and other conferences, and marketing enhancements of our Contracts. The method for calculating any additional compensation may include consideration of the level of sales or assets attributable to the firm. Not all broker-dealers receive additional compensation and the amount of compensation varies by firm. These payments could be significant to a firm, and could create a conflict of interest between the firm or representative and the customer. These payments could provide incentive to a firm or representative to recommend a Contract that is not in a customer’s best interest. We generally choose to compensate broker-dealers that have a strong capability to distribute the Contracts and that are willing to cooperate with our promotional efforts.

The following list includes the names of firms that received expense reimbursement or marketing allowance payments of more than $5,000 with respect to variable annuities sold for Integrity and its wholly owned subsidiary National Integrity Life Insurance Company during the last calendar year.



Arvest Wealth Management	Hancock Investment Services, Inc.
Bancwest Investment Services, Inc.	Infinex Investments, Inc.
Cetera Investment Services LLC	LPL Financial Corporation
CUSO Financial Services, L.P.	US Bancorp Investments, Inc.
Fifth Third Securities, Inc.

Performance Data and Illustrations

We may provide performance information and illustrations using performance information. Performance information may be based on historical returns of the subaccounts. At any time in the future, performance will likely be higher or lower than in the past. Historical performance does not predict future results.

Performance Data

In advertisements or in information furnished to you, we may provide the average annual total return and the cumulative total return of the units of the subaccounts. The money market option may also from time to time include the yield and effective yield of its units. Performance information is computed separately for each subaccount in accordance with the formulas described below.

Total return reflects all aspects of the return of a subaccount, including the automatic reinvestment of all distributions and the deduction of all charges that apply on an annual basis. Performance represents annualized percentage change in net assets of a subaccount, based on a hypothetical $1,000 investment, the performance of the underlying portfolios and the charges that would have been made during the periods shown. Premium taxes, if applicable, are not reflected.

Average annual total returns are calculated by determining the growth or decline in value of a hypothetical investment in the subaccount over certain periods, including 1, 3, 5, and 10 years and then calculating the annually compounded percentage rate that would have produced the same result if the rate of growth or decline in value had been constant over the period.

Investors should realize that a subaccount's performance is not constant over time, but changes from year to year, and that the average annual returns represent the averages of historical periods as opposed to the actual historical performance of a subaccount during any portion of the period shown. Average annual returns are calculated using this formula:

P (1+T)ⁿ = ERV, where P is a hypothetical initial payment of $1,000, T is the average annual total return, n is the number of years, and ERV is the redeemable value at the end of the period.

Standardized returns are average annual total returns calculated from the subaccount inception date, which represents the date the subaccount was available in the Contract. Standardized returns reflect the deduction of all Contract expenses, including underlying fund expenses, the annual separate account charges and the withdrawal charge. The cost of the optional guaranteed lifetime withdrawal benefit rider is not included. If the cost of the rider were included, the returns would be lower.

Non-standardized returns are calculated from the fund inception date, which represents the inception date of the underlying fund, rather than the date it was included in the Contract. Performance that predates the inclusion in the Contract is hypothetical and has been adjusted to include Contract expenses. Two sets of non-standardized returns may be presented, each reflecting the deduction of underlying fund expenses and the annual separate account charge. One set also reflects the withdrawal charge. The cost of the guaranteed lifetime withdrawal benefit rider is not included. If the cost of the rider were included, the returns would be lower.

Cumulative total returns are unaveraged and reflect the simple percentage change in the value of a hypothetical investment in the subaccount over a stated period of time. In addition to the period since inception, cumulative total returns may be calculated on a year-to-date basis at the end of each calendar month in the current calendar year. The last day of the period for year-to-date returns is the last day of the most recent calendar month at the time of publication.

Yields quoted in advertising reflect the change in value of a hypothetical investment in a subaccount over a stated period of time, not taking into account capital gains or losses, or any withdrawal charge. Yields are annualized and stated as a percentage.

Current yield and effective yield are calculated for the money market option. Current yield is based on the change in the value of a hypothetical investment (exclusive of capital changes) over a particular 7-day period, less Contract charges that would have applied during the period (the base period), and stated as a percentage of the investment at the start of the base period (the base period return). The base period return is then annualized by multiplying by 365/7, with the resulting yield figure carried to at least the nearest hundredth of one percent.

Effective yield assumes that all dividends received during an annual period have been reinvested. This compounding effect causes effective yield to be higher than current yield. Calculation of effective yield begins with the same base period return used in the calculation of current yield, which is then annualized to reflect weekly compounding pursuant to the following formula:

Effective Yield = [(Base Period Return + 1)^365/7] – 1

Individualized Illustrations

Integrity may provide computer-generated illustrations using programs available through third party firms to provide registered representatives and existing or potential Contracts owners with individualized hypothetical illustrations. The illustrations may include contract values and returns for some or all of the subaccounts. Such illustrations may include graphs, bar charts and other types of formats.

Hypothetical values may be based on: (i) the results of a hypothetical contribution to a Contract invested in a single or multiple subaccounts using standardized and non-standardized average annual returns; or (ii) the results of a hypothetical contribution to a Contract using either static or variable assumed rates of return, as allowed by law.

Distributions from Tax-Favored Retirement Programs

Distributions from tax-favored plans are subject to certain restrictions. Owners of traditional and SEP IRAs must begin receiving distributions by April 1 of the calendar year following the year in which the owner or participant

reaches age 70½. If you do not take mandatory distributions, you may owe a 50% penalty tax on any difference between the required distribution amount and the amount distributed. There are no mandatory distributions from Roth IRAs during the owner’s lifetime. After death, distribution rules apply to traditional and Roth IRAs.

We are not permitted to make distributions from a Contract unless a request has been made. It is therefore your responsibility to comply with the minimum distribution rules. You should consult your tax adviser regarding these rules and their proper application.

The above description of the minimum distribution requirements and the federal income tax consequences of distributions from tax-favored retirement plans which may be funded by the Contract is only a brief summary and is not intended as tax advice. The rules governing the provisions of plans are extremely complex and often difficult to comprehend. If you do not fully comply with all rules, which are subject to change, you may suffer adverse tax consequences. You should consult a qualified and competent tax adviser prior to adopting a plan or purchasing a Contract in connection with a tax-favored plan.

Financial Statements

The financial statements of Separate Account I of Integrity Life Insurance Company as of December 31, 2016, and for the periods indicated in the financial statements, included in this Statement of Additional Information have been audited by Ernst & Young LLP, 312 Walnut Street, Cincinnati, Ohio 45202, independent registered public accounting firm, as set forth in their reports included thereon. These financial statements are included in this registration statement in reliance on the reports of Ernst & Young LLP given on the authority of such firm as experts in accounting and auditing.

The statutory-basis financial statements of Integrity Life Insurance Company as of December 31, 2016 and 2015 and for each of the three years in the period ended December 31, 2016, and the statutory-basis financial statements of The Western and Southern Life Insurance Company (WSLIC) as of December 31, 2016 and 2015 and for each of the three years in the period ended December 31, 2016, included in this Statement of Additional Information have been audited by Ernst & Young LLP, 312 Walnut Street, Cincinnati, Ohio 45202, independent auditors, as set forth in their reports included thereon. These financial statements are included in this registration statement in reliance on the reports of Ernst & Young LLP given on the authority of such firm as experts in accounting and auditing.

You should distinguish the statutory-basis financial statements of Integrity from the financial statements of the Separate Account and consider the Integrity statutory-basis financial statements only as they relate to the ability of Integrity to meet its obligations under the Contracts. You should consider the statutory-basis financial statements of WSLIC as bearing only on the ability of WSLIC to meet its obligations under its guarantee to Integrity policyholders dated March 3, 2000. You should not consider the Integrity or WSLIC statutory-basis financial statements as relating to the investment performance of the assets held in the Separate Account.

Financial Statements

Separate Account I of Integrity Life Insurance Company

Year Ended December 31, 2016,

With Report of Independent Registered Public

Accounting Firm

Separate Account I

Integrity Life Insurance Company

Financial Statements

Year Ended December 31, 2016



Contents

Report of Independent Registered Public Accounting Firm	1

Financial Statements

Statements of Assets and Liabilities as of December 31, 2016	2
Statements of Operations for the Year ended December 31, 2016	13
Statements of Changes in Net Assets for the Year ended December 31, 2016	34
Statements of Changes in Net Assets for the Year ended December 31, 2015	50
Notes to Financial Statements	65

Report of Independent Registered Public Accounting Firm

The Contract Owners of Separate Account I of Integrity Life Insurance Company and

The Board of Directors of Integrity Life Insurance Company

We have audited the accompanying statements of assets and liabilities of the subaccounts of Separate Account I of Integrity Life Insurance Company (the “Separate Account”) (comprising the subaccounts included in these financial statements) as of December 31, 2016, and the related statements of operations for the year then ended, and changes in net assets for each of the two years in the period then ended. These financial statements are the responsibility of the Separate Account’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. We were not engaged to perform an audit of the Separate Account’s internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Separate Account’s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation. Our procedures included confirmation of securities owned as of December 31, 2016, by correspondence with the fund companies or their transfer agents. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of each of the respective subaccounts constituting Separate Account I of Integrity Life Insurance Company at December 31, 2016, and the results of their operations for the year then ended and the changes in their net assets for each of the two years in the period then ended in conformity with U.S. generally accepted accounting principles.

As discussed in Note 1 to the financial statements, the total return within the financial highlights in the footnotes related to the year ended December 31, 2014 has been restated for one subaccount to disclose the correct total return.

/s/ Ernst & Young LLP

Cincinnati, Ohio

April 28, 2017

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)	$	178,091	$	(1	)	$	178,090	$	14.42	12,353
Touchstone Aggressive ETF (AnnuiChoice ®)	600,173		(1		)	600,172		17.80		33,709
Touchstone Aggressive ETF (AnnuiChoice II )	593,538		(1		)	593,537		21.16		28,047
Touchstone Aggressive ETF (GrandMaster flex3 )	622,851		1			622,852		16.64		37,425
Touchstone Aggressive ETF (Grandmaster )	129,055		1			129,056		17.06		7,566
Touchstone Aggressive ETF (IQ Advisor Standard)	276,391		(1		)	276,390		19.70		14,029
Touchstone Aggressive ETF (IQ Annuity )	5,870,887		(2		)	5,870,885		16.85		348,457
Touchstone Aggressive ETF (Pinnacle )	451,981		(2		)	451,979		17.06		26,499
Touchstone Aggressive ETF (Pinnacle IV )	334,505		1			334,506		16.85		19,854
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )	73,532		1			73,533		15.59		4,717
Touchstone Aggressive ETF (Pinnacle Plus )	148,840		—			148,840		16.40		9,076
Touchstone Aggressive ETF (Pinnacle V )	2,170,343		(2		)	2,170,341		20.51		105,805
Touchstone Conservative ETF (AdvantEdge )	220,957		—			220,957		12.94		17,069
Touchstone Conservative ETF (AnnuiChoice II )	1,073,011		3			1,073,014		15.04		71,338
Touchstone Conservative ETF (AnnuiChoice )	169,404		1			169,405		15.56		10,886
Touchstone Conservative ETF (GrandMaster flex3 )	94,953		3			94,956		14.55		6,528
Touchstone Conservative ETF (Grandmaster )	62,308		1			62,309		14.91		4,180
Touchstone Conservative ETF (IQ Advisor Standard )	178,159		—			178,159		16.86		10,566
Touchstone Conservative ETF (IQ Annuity )	812,142		(3		)	812,139		14.73		55,151
Touchstone Conservative ETF (Pinnacle )	114,569		2			114,571		14.91		7,685
Touchstone Conservative ETF (Pinnacle IV )	329,130		(1		)	329,129		14.73		22,350
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )	19,677		(1		)	19,676		12.51		1,573
Touchstone Conservative ETF (Pinnacle Plus )	129,835		(6		)	129,829		14.33		9,059
Touchstone Conservative ETF Fund (Pinnacle V )	5,204,301		8			5,204,309		14.58		356,955
Touchstone Active Bond (AdvantEdge )	233,616		—			233,616		12.61		18,523
Touchstone Active Bond (AnnuiChoice II )	405,183		1			405,184		13.84		29,276
Touchstone Active Bond (AnnuiChoice )	539,469		2			539,471		16.69		32,326
Touchstone Active Bond (GrandMaster flex3 )	302,111		(2		)	302,109		14.58		20,718
Touchstone Active Bond (Grandmaster )	242,851		3			242,854		14.13		17,188
Touchstone Active Bond (IQ Annuity )	501,206		(3		)	501,203		15.33		32,696
Touchstone Active Bond (Pinnacle )	851,210		—			851,210		14.98		56,805
Touchstone Active Bond (Pinnacle IV )	626,089		1			626,090		14.76		42,406
Touchstone Active Bond (Pinnacle II Reduced M&E )	5,665		2			5,667		15.17		373
Touchstone Active Bond (Pinnacle Plus Reduced M&E )	100,136		(1		)	100,135		11.14		8,988
Touchstone Active Bond (Pinnacle Plus )	135,271		2			135,273		13.40		10,096
Touchstone Active Bond (PinnacleV )	7,428,527		2			7,428,529		13.00		571,593
Touchstone GMAB Aggressive ETF (AnnuiChoice II )	202,858		(1		)	202,857		20.19		10,045
Touchstone GMAB Aggressive ETF (Pinnacle IV )	519,985		(1		)	519,984		19.73		26,361
Touchstone GMAB Aggressive ETF (Pinnacle V )	512,948		1			512,949		19.57		26,209
Touchstone GMAB Conservative ETF (AnnuiChoice II )	232,907		1			232,908		14.35		16,226
Touchstone GMAB Conservative ETF (Pinnacle IV )	537,551		(1		)	537,550		14.02		38,341
Touchstone GMAB Conservative ETF (Pinnacle V )	530,057		1			530,058		13.91		38,105
Touchstone GMAB Moderate ETF (AnnuiChoice II )	32,206		2			32,208		17.49		1,841
Touchstone GMAB Moderate ETF (Pinnacle IV )	535,833		1			535,834		17.09		31,362
Touchstone GMAB Moderate ETF(Pinnacle V )	549,039		2			549,041		16.95		32,388
Touchstone Large Cap Core Equity (AdvantEdge )	411,135		(1		)	411,134		15.52		26,499
Touchstone Large Cap Core Equity (AnnuiChoice II )	651,500		1			651,501		16.92		38,510
Touchstone Large Cap Core Equity (AnnuiChoice )	391,352		(1		)	391,351		18.37		21,308
Touchstone Large Cap Core Equity (GrandMaster flex3 )	95,874		(1		)	95,873		18.28		5,243
Touchstone Large Cap Core Equity (Grandmaster )	99,906		4			99,910		19.12		5,225
Touchstone Large Cap Core Equity (IQ Annuity )	317,504		—			317,504		17.49		18,158
Touchstone Large Cap Core Equity (Pinnacle )	4,970,605		1			4,970,606		19.93		249,438
Touchstone Large Cap Core Equity (Pinnacle IV )	1,484,567		7			1,484,574		19.63		75,613
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )	412,721		—			412,721		20.17		20,458
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )	242,153		10			242,163		17.85		13,567
Touchstone Large Cap Core Equity (Pinnacle Plus )	80,087		(2		)	80,085		20.00		4,004
Touchstone Large Cap Core Equity (PinnacleV )	9,551,462		(2		)	9,551,460		13.54		705,686
Touchstone Focused (AdvantEdge )	442,008		(1		)	442,007		17.88		24,716
Touchstone Focused (AnnuiChoice II )	2,492,745		(4		)	2,492,741		21.03		118,519
Touchstone Focused (AnnuiChoice )	2,657,118		1			2,657,119		31.36		84,736
Touchstone Focused (GrandMaster flex3 )	985,505		—			985,505		29.60		33,293
Touchstone Focused (Grandmaster )	605,189		63			605,252		26.67		22,694
Touchstone Focused (IQ Advisor Standard )	112,816		—			112,816		29.52		3,822

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Affiliated (continued):
Touchstone Focused (IQ Annuity )	$	4,864,975	$	(2	)	$	4,864,973	$	30.38	160,127
Touchstone Focused (Pinnacle )	4,688,748		(2		)	4,688,746		30.59		153,262
Touchstone Focused (Pinnacle IV )	3,250,274		(28		)	3,250,246		30.14		107,832
Touchstone Focused (Pinnacle II Reduced M&E )	595,616		(2		)	595,614		30.97		19,231
Touchstone Focused (Pinnacle Plus Reduced M&E )	716,135		4			716,139		18.90		37,886
Touchstone Focused (Pinnacle Plus )	193,132		3			193,135		30.43		6,347
Touchstone Focused (PinnacleV )	8,195,339		(58		)	8,195,281		16.86		485,969
Touchstone Moderate ETF (AdvantEdge )	222,642		2			222,644		13.97		15,933
Touchstone Moderate ETF (AnnuiChoice II )	2,275,895		2			2,275,897		14.27		159,508
Touchstone Moderate ETF (AnnuiChoice )	1,804,099		(6		)	1,804,093		17.06		105,732
Touchstone Moderate ETF (GrandMaster flex3 )	806,350		1			806,351		15.95		50,556
Touchstone Moderate ETF (Grandmaster )	135,877		(1		)	135,876		16.35		8,312
Touchstone Moderate ETF (IQ Advisor Enhanced )	40,082		(2		)	40,080		18.26		2,196
Touchstone Moderate ETF (IQ Advisor Standard )	141,280		1			141,281		18.72		7,547
Touchstone Moderate ETF (IQ Annuity )	1,380,927		(2		)	1,380,925		16.15		85,524
Touchstone Moderate ETF (Pinnacle )	269,576		—			269,576		16.35		16,491
Touchstone Moderate ETF (Pinnacle IV )	1,090,163		1			1,090,164		16.15		67,514
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )	15,078		—			15,078		14.23		1,060
Touchstone Moderate ETF (Pinnacle Plus )	235,172		(1		)	235,171		15.72		14,964
Touchstone Moderate ETF (Pinnacle V )	3,175,621		(10		)	3,175,611		13.77		230,542
Non-Affiliated Initial Class:
Fidelity VIP Balanced (Pinnacle )	1,049,551		(2		)	1,049,549		15.55		67,515
Fidelity VIP Balanced (Pinnacle II Reduced M&E )	7,032		1			7,033		15.74		447
Fidelity VIP Balanced (Grandmaster )	1,433,825		2			1,433,827		25.26		56,764
Fidelity VIP Overseas (Pinnacle )	77,491		1			77,492		8.89		8,714
Fidelity VIP Overseas (Pinnacle IV )	53,234		—			53,234		8.81		6,045
Fidelity VIP Equity-Income (Grandmaster )	8,227,252		—			8,227,252		82.57		99,637
Fidelity VIP Equity-Income (Pinnacle )	1,847,664		2			1,847,666		23.84		77,496
Fidelity VIP Growth (Grandmaster )	5,965,151		(5		)	5,965,146		98.15		60,776
Fidelity VIP High Income (Grandmaster )	1,324,337		2			1,324,339		27.68		47,851
Fidelity VIP II Asset Manager (Grandmaster )	3,456,360		—			3,456,360		50.02		69,101
Fidelity VIP II Contrafund (Grandmaster )	8,939,546		(2		)	8,939,544		69.26		129,066
Fidelity VIP II Contrafund (Pinnacle )	5,074,970		3			5,074,973		34.06		148,981
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )	29,394		(2		)	29,392		34.49		852
Fidelity VIP II Index 500 (Grandmaster )	3,382,699		2			3,382,701		55.95		60,455
Fidelity VIP II Index 500 (IQ Annuity )	189,806		2			189,808		18.37		10,332
Fidelity VIP II Index 500 (Pinnacle )	2,143,820		—			2,143,820		16.13		132,944
Fidelity VIP II Index 500 (Pinnacle IV )	162,500		—			162,500		15.97		10,176
Fidelity VIP II Investment Grade Bond (Pinnacle )	1,108,349		(1		)	1,108,348		13.35		83,007
Fidelity VIP II Investment Grade Bond (Pinnacle IV )	337,294		(1		)	337,293		13.22		25,510
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )	43,599		2			43,601		13.52		3,225
Fidelity VIP II Investment Grade Bond (AnnuiChoice )	334,095		(2		)	334,093		13.82		24,178
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )	50,116		2			50,118		13.62		3,680
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )	96,623		—			96,623		13.09		7,380
Fidelity VIP II Investment Grade Bond (Grandmaster )	1,824,700		2			1,824,702		40.08		45,527
Fidelity VIP II Investment Grade Bond (IQ Annuity )	270,600		1			270,601		18.83		14,368
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )	19,934		(2		)	19,932		11.30		1,764
Fidelity VIP Government Money Market (Pinnacle )	1,053,060		—			1,053,060		9.80		107,510
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )	23,046		(1		)	23,045		9.84		2,343
Fidelity VIP Government Money Market (Pinnacle IV )	1,116,802		—			1,116,802		9.78		114,213
Fidelity VIP Government Money Market (Pinnacle V )	4,645,684		2			4,645,686		9.76		475,918
Fidelity VIP Government Money Market (Pinnacle Plus )	7,332		2			7,334		9.74		753
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )	224,573		1			224,574		9.83		22,849
Fidelity VIP Government Money Market (Grandmaster )	1,473,389		—			1,473,389		9.80		150,422
Fidelity VIP Government Money Market (Grandmaster flex3 )	661,031		—			661,031		9.76		67,718
Fidelity VIP Government Money Market (AdvantEdge )	544,455		(1		)	544,454		9.75		55,823
Fidelity VIP Government Money Market (AnnuiChoice )	501,006		—			501,006		9.85		50,844
Fidelity VIP Government Money Market (AnnuiChoice II )	915,951		2			915,953		9.83		93,192
Fidelity VIP Government Money Market (IQ Annuity )	191,882		1			191,883		9.78		19,623
Fidelity VIP Government Money Market (IQ3 )	1,822,023		1			1,822,024		9.78		186,334
Fidelity VIP Government Money Market (IQ Advisor Standard )	57,434		(1		)	57,433		9.92		5,789
Fidelity VIP Government Money Market (Varoom GLWB 2)*	4,856		—			4,856		9.94		489
Fidelity VIP Government Money Market (Varoom GLWB 3)*	144,257		—			144,257		9.95		14,493
Fidelity VIP Government Money Market (Varoom GLWB 5)*	177,094		(1		)	177,093		9.93		17,835
Fidelity VIP Overseas (AnnuiChoice )	87,902		1			87,903		9.20		9,551
Fidelity VIP Overseas (AnnuiChoice II )	23,037		(1		)	23,036		9.07		2,540
Fidelity VIP Overseas (Grandmaster flex3 )	529		1			530		8.72		61
Fidelity VIP Overseas (Grandmaster )	1,627,027		(2		)	1,627,025		31.85		51,082
Fidelity VIP Overseas (IQ Annuity )	17,143		(2		)	17,141		8.81		1,947
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	22,376		—			22,376		11.42		1,959


See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )	$	338,183	$	(2	)	$	338,181	$	19.31	17,513
Fidelity VIP Growth (IQ Annuity )	220,663		2			220,665		15.65		14,097
Fidelity VIP Growth (Pinnacle )	404,643		(1		)	404,642		15.78		25,645
Fidelity VIP Growth (Pinnacle II Reduced M&E )	2,052		2			2,054		15.97		128
Fidelity VIP High Income (IQ Annuity )	281,851		1			281,852		15.35		18,356
Fidelity VIP II Asset Manager (IQ Annuity )	13,822		(1		)	13,821		15.63		884
Fidelity VIP II Contrafund (IQ Annuity )	948,412		(2		)	948,410		25.16		37,700
Fidelity VIP III Balanced (IQ Annuity )	124,984		(3		)	124,981		18.10		6,905
Fidelity VIP III Mid Cap (Grandmaster )	649,346		(1		)	649,345		57.29		11,335
Fidelity VIP III Mid Cap (IQ Annuity )	790,169		—			790,169		59.21		13,346
Fidelity VIP III Mid Cap (Pinnacle )	2,252,649		(1		)	2,252,648		56.62		39,787
Fidelity VIP Overseas (IQ Annuity )	29,086		—			29,086		13.58		2,142
Non-Affiliated Service Class 2:
Fidelity VIP Asset Manager (IQ3 )	236,609		1			236,610		15.96		14,822
Fidelity VIP Asset Manager (AdvantEdge )	56,915		(2		)	56,913		12.77		4,457
Fidelity VIP Asset Manager (AnnuiChoice II )	116,605		(1		)	116,604		15.27		7,636
Fidelity VIP Asset Manager (AnnuiChoice )	217,793		1			217,794		16.66		13,075
Fidelity VIP Asset Manager (GrandMaster flex3 )	171,359		1			171,360		15.65		10,948
Fidelity VIP Asset Manager (IQ Advisor Standard )	3,364		—			3,364		17.50		192
Fidelity VIP Asset Manager (Pinnacle )	28,440		1			28,441		16.06		1,771
Fidelity VIP Asset Manager (Pinnacle IV )	248,501		(3		)	248,498		15.86		15,673
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )	53,997		(1		)	53,996		13.09		4,126
Fidelity VIP Asset Manager (Pinnacle Plus )	6,427		(3		)	6,424		16.12		399
Fidelity VIP Asset Manager (Pinnacle V )	420,419		4			420,423		13.21		31,816
Fidelity VIP Balanced (AdvantEdge )	214,358		(3		)	214,355		15.27		14,038
Fidelity VIP Balanced (AnnuiChoice II )	881,581		3			881,584		17.10		51,568
Fidelity VIP Balanced (AnnuiChoice )	529,186		1			529,187		19.74		26,806
Fidelity VIP Balanced (GrandMaster flex3 )	263,446		(2		)	263,444		20.46		12,878
Fidelity VIP Balanced (Grandmaster )	630,330		1			630,331		19.04		33,097
Fidelity VIP Balanced (IQ3 )	806,753		(1		)	806,752		18.71		43,126
Fidelity VIP Balanced (Pinnacle )	418,735		(1		)	418,734		19.04		21,987
Fidelity VIP Balanced (Pinnacle IV )	1,002,197		5			1,002,202		20.74		48,313
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )	23,883		(3		)	23,880		15.46		1,545
Fidelity VIP Balanced (Pinnacle Plus )	32,386		1			32,387		18.78		1,724
Fidelity VIP Balanced (Pinnacle V )	1,363,752		1			1,363,753		14.40		94,695
Fidelity VIP Contrafund (AdvantEdge )	2,284,212		1			2,284,213		15.57		146,721
Fidelity VIP Contrafund (AnnuiChoice II )	3,971,583		1			3,971,584		18.16		218,699
Fidelity VIP Contrafund (AnnuiChoice )	2,202,232		(1		)	2,202,231		25.55		86,182
Fidelity VIP Contrafund (GrandMaster flex3 )	1,460,837		(1		)	1,460,836		25.25		57,864
Fidelity VIP Contrafund (IQ Advisor Standard )	138,950		—			138,950		26.13		5,319
Fidelity VIP Contrafund (IQ3 )	3,821,918		(3		)	3,821,915		25.37		150,620
Fidelity VIP Contrafund (Pinnacle IV )	4,991,717		2			4,991,719		25.72		194,085
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )	364,307		—			364,307		17.97		20,271
Fidelity VIP Contrafund (Pinnacle Plus )	339,419		5			339,424		25.77		13,171
Fidelity VIP Contrafund (Pinnacle V )	14,223,427		1			14,223,428		15.18		936,938
Fidelity VIP Disciplined Small Cap (Advantedge)	33,703		—			33,703		19.40		1,737
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )	118,545		(1		)	118,544		16.54		7,166
Fidelity VIP Disciplined Small Cap (AnnuiChoice )	200,758		(3		)	200,755		16.79		11,958
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )	36,591		1			36,592		15.91		2,300
Fidelity VIP Disciplined Small Cap (GrandMaster )	82,172		(2		)	82,170		16.22		5,065
Fidelity VIP Disciplined Small Cap (IQ Annuity )	78,420		(1		)	78,419		16.06		4,882
Fidelity VIP Disciplined Small Cap (Pinnacle )	153,444		—			153,444		16.22		9,459
Fidelity VIP Disciplined Small Cap (Pinnacle IV )	250,788		(2		)	250,786		16.06		15,612
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )	1,149		(1		)	1,148		20.89		55
Fidelity VIP Disciplined Small Cap (Pinnacle V )	1,327,309		(1		)	1,327,308		16.01		82,893
Fidelity VIP Equity-Income (AnnuiChoice II )	401,821		3			401,824		15.58		25,794
Fidelity VIP Equity-Income (AdvantEdge )	650,945		—			650,945		14.69		44,317
Fidelity VIP Equity-Income (AnnuiChoice )	963,099		(2		)	963,097		19.51		49,360
Fidelity VIP Equity-Income (GrandMaster flex3 )	147,421		(4		)	147,417		18.91		7,798
Fidelity VIP Equity-Income (IQ Advisor Standard )	12,802		(2		)	12,800		20.46		626
Fidelity VIP Equity-Income (IQ3 )	438,684		(5		)	438,679		18.20		24,102
Fidelity VIP Equity-Income (Pinnacle IV )	882,604		11			882,615		18.70		47,200
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )	46,561		(3		)	46,558		18.64		2,498
Fidelity VIP Equity-Income (Pinnacle Plus )	218,461		(1		)	218,460		20.47		10,675
Fidelity VIP Equity-Income (Pinnacle V )	1,342,882		—			1,342,882		12.50		107,409
Fidelity VIP Freedom 2010 (Advantedge )	110,461		1			110,462		12.95		8,530
Fidelity VIP Freedom 2010 (AnnuiChoice II )	129,345		—			129,345		13.23		9,779
Fidelity VIP Freedom 2010 (GrandMaster )	19,020		1			19,021		12.97		1,466
Fidelity VIP Freedom 2010 (IQ Annuity )	56,823		2			56,825		12.84		4,424
Fidelity VIP Freedom 2010 (Pinnacle )	15,396		(1		)	15,395		12.97		1,187
Fidelity VIP Freedom 2010 (Pinnacle IV )	62,065		1			62,066		12.84		4,833

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )	$	14,420	$	—		$	14,420	$	13.16	1,095
Fidelity VIP Freedom 2010 (Pinnacle Plus )	4,136		(5		)	4,131		12.57		329
Fidelity VIP Freedom 2010 (Pinnacle V )	414,059		3			414,062		12.62		32,798
Fidelity VIP Freedom 2015 (AdvantEdge )	79,057		—			79,057		13.01		6,074
Fidelity VIP Freedom 2015 (AnnuiChoice II )	151,981		1			151,982		13.21		11,503
Fidelity VIP Freedom 2015 (GrandMaster )	9,147		—			9,147		12.96		706
Fidelity VIP Freedom 2015 (IQ Annuity )	41,764		—			41,764		12.83		3,256
Fidelity VIP Freedom 2015 (Pinnacle IV )	1,765		(2		)	1,763		12.83		138
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )	17,793		1			17,794		13.39		1,329
Fidelity VIP Freedom 2015 (Pinnacle Plus )	12,468		—			12,468		12.55		993
Fidelity VIP Freedom 2015 (Pinnacle V )	1,314,697		4			1,314,701		12.59		104,398
Fidelity VIP Freedom 2020 (AdvantEdge )	108,100		(2		)	108,098		12.94		8,354
Fidelity VIP Freedom 2020 (AnnuiChoice II )	634,932		(6		)	634,926		13.00		48,828
Fidelity VIP Freedom 2020 (GrandMaster flex3 )	16,483		(1		)	16,482		12.50		1,318
Fidelity VIP Freedom 2020 (GrandMaster )	4,915		—			4,915		12.75		385
Fidelity VIP Freedom 2020 (IQ Annuity )	666,414		—			666,414		12.63		52,781
Fidelity VIP Freedom 2020 (Pinnacle IV )	59,687		—			59,687		12.63		4,727
Fidelity VIP Freedom 2020 (Pinnacle )	26,672		(3		)	26,669		12.75		2,092
Fidelity VIP Freedom 2020 (Pinnacle Plus )	10,840		1			10,841		12.36		877
Fidelity VIP Freedom 2020 (Pinnacle V )	3,284,725		(4		)	3,284,721		12.37		265,576
Fidelity VIP Freedom 2025 (Advantedge)	183,541		4			183,545		13.50		13,600
Fidelity VIP Freedom 2025 (AnnuiChoice II )	526,378		(3		)	526,375		13.51		38,949
Fidelity VIP Freedom 2025 (IQ Annuity )	129,849		2			129,851		13.12		9,895
Fidelity VIP Freedom 2025 (Pinnacle )	4,773		—			4,773		13.25		360
Fidelity VIP Freedom 2025 (Pinnacle IV )	29,905		1			29,906		13.12		2,279
Fidelity VIP Freedom 2025 (Pinnacle Plus )	4,323		1			4,324		12.84		337
Fidelity VIP Freedom 2025 (Pinnacle V )	3,114,135		1			3,114,136		12.85		242,431
Fidelity VIP Freedom 2030 (AnnuiChoice II )	17,905		3			17,908		13.12		1,365
Fidelity VIP Freedom 2030 (Grandmaster )	2,418		—			2,418		12.87		188
Fidelity VIP Freedom 2030 (IQ Annuity )	140,553		(1		)	140,552		12.74		11,033
Fidelity VIP Freedom 2030 (Pinnacle )	2,256		2			2,258		12.87		175
Fidelity VIP Freedom 2030 (Pinnacle IV )	22,032		(1		)	22,031		12.74		1,729
Fidelity VIP Freedom 2030 (Pinnacle V )	325,932		(1		)	325,931		12.45		26,186
Fidelity VIP Growth (AnnuiChoice II )	217,270		—			217,270		18.44		11,781
Fidelity VIP Growth (GrandMaster )	593,622		3			593,625		16.06		36,958
Fidelity VIP Growth (AdvantEdge )	100,964		—			100,964		14.89		6,781
Fidelity VIP Growth (AnnuiChoice )	363,747		2			363,749		14.34		25,371
Fidelity VIP Growth (GrandMaster flex3 )	94,630		—			94,630		18.06		5,241
Fidelity VIP Growth (IQ3 )	319,336		—			319,336		14.34		22,269
Fidelity VIP Growth (Pinnacle )	268,060		(3		)	268,057		16.06		16,689
Fidelity VIP Growth (Pinnacle IV )	601,146		1			601,147		15.91		37,786
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )	28,337		1			28,338		18.76		1,510
Fidelity VIP Growth (Pinnacle Plus )	45,528		—			45,528		20.15		2,259
Fidelity VIP Growth (Pinnacle V )	2,765,374		(2		)	2,765,372		15.57		177,597
Fidelity VIP High Income (AdvantEdge )	1,060,002		(2		)	1,060,000		15.10		70,217
Fidelity VIP High Income (AnnuiChoice II )	745,870		(3		)	745,867		16.20		46,045
Fidelity VIP High Income (AnnuiChoice )	335,489		—			335,489		19.57		17,142
Fidelity VIP High Income (GrandMaster flex3 )	7,917,136		(1		)	7,917,135		20.16		392,652
Fidelity VIP High Income (IQ Advisor Standard )	3,507		—			3,507		19.54		179
Fidelity VIP High Income (IQ3 )	1,183,524		1			1,183,525		20.40		58,027
Fidelity VIP High Income (Pinnacle )	3,939,521		2			3,939,523		17.97		219,250
Fidelity VIP High Income (Pinnacle IV )	293,390		—			293,390		20.45		14,350
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )	15,573		1			15,574		12.97		1,201
Fidelity VIP High Income (Pinnacle Plus )	19,739		(4		)	19,735		18.47		1,068
Fidelity VIP High Income (Pinnacle V )	1,172,668		(4		)	1,172,664		14.29		82,076
Fidelity VIP II Index 500 (Pinnacle )	949,191		3			949,194		15.74		60,303
Fidelity VIP II Index 500 (Pinnacle IV )	4,799,198		2			4,799,200		15.59		307,902
Fidelity VIP II Index 500 (Pinnacle V )	18,857,022		12			18,857,034		15.14		1,245,665
Fidelity VIP Index 500 (AdvantEdge )	1,268,143		(1		)	1,268,142		16.97		74,737
Fidelity VIP Index 500 (AnnuiChoice II )	3,917,367		6			3,917,373		16.05		244,040
Fidelity VIP Index 500 (AnnuiChoice )	996,388		(1		)	996,387		18.17		54,837
Fidelity VIP Index 500 (Grandmaster flex3 )	497,905		(1		)	497,904		15.43		32,260
Fidelity VIP Index 500 (Grandmaster )	2,277,139		3			2,277,142		15.74		144,668
Fidelity VIP Index 500 (IQ Advisor Standard )	160,954		2			160,956		16.94		9,503
Fidelity VIP Index 500 (IQ3 )	1,265,387		(3		)	1,265,384		18.50		68,400
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )	212,825		—			212,825		19.70		10,805
Fidelity VIP Index 500 (Pinnacle Plus )	303,133		—			303,133		22.47		13,488
Fidelity VIP Investment Grade Bond (AdvantEdge )	1,742,191		(5		)	1,742,186		12.59		138,416
Fidelity VIP Investment Grade Bond (AnnuiChoice II )	3,817,926		4			3,817,930		13.67		279,255
Fidelity VIP Investment Grade Bond (AnnuiChoice )	1,471,004		(3		)	1,471,001		17.64		83,410
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )	497,935		—			497,935		13.71		36,311

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Investment Grade Bond (GrandMaster )	$	841,537	$	1		$	841,538	$	13.03	64,580
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )	59,100		—			59,100		15.26		3,872
Fidelity VIP Investment Grade Bond (IQ3 )	1,049,492		(1		)	1,049,491		16.10		65,185
Fidelity VIP Investment Grade Bond (Pinnacle )	1,360,676		(2		)	1,360,674		14.07		96,709
Fidelity VIP Investment Grade Bond (Pinnacle IV )	408,503		(2		)	408,501		13.89		29,409
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )	8,483		—			8,483		14.24		596
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )	71,250		(1		)	71,249		11.12		6,407
Fidelity VIP Investment Grade Bond (Pinnacle Plus )	119,262		(3		)	119,259		13.44		8,875
Fidelity VIP Investment Grade Bond (Pinnacle V )	18,134,569		(1		)	18,134,568		12.82		1,414,441
Fidelity VIP Mid Cap (AdvantEdge )	261,162		(1		)	261,161		16.40		15,929
Fidelity VIP Mid Cap (AnnuiChoice II )	749,298		1			749,299		18.95		39,544
Fidelity VIP Mid Cap (AnnuiChoice )	835,833		(4		)	835,829		36.61		22,831
Fidelity VIP Mid Cap (GrandMaster flex3 )	309,224		(1		)	309,223		31.51		9,813
Fidelity VIP Mid Cap (Grandmaster )	374,354		5			374,359		27.98		13,380
Fidelity VIP Mid Cap (IQ Advisor Standard )	163,917		(3		)	163,914		30.78		5,325
Fidelity VIP Mid Cap (IQ Annuity )	1,906,953		1			1,906,954		34.82		54,772
Fidelity VIP Mid Cap (Pinnacle )	493,446		(1		)	493,445		16.34		30,190
Fidelity VIP Mid Cap (Pinnacle IV )	1,780,855		(3		)	1,780,852		34.29		51,940
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )	240,428		—			240,428		15.69		15,326
Fidelity VIP Mid Cap (Pinnacle Plus )	118,083		(1		)	118,082		32.86		3,594
Fidelity VIP Mid Cap (Pinnacle V )	1,951,706		1			1,951,707		15.90		122,745
Fidelity VIP Overseas (AdvantEdge )	362,583		1			362,584		8.81		41,175
Fidelity VIP Overseas (AnnuiChoice II )	230,737		1			230,738		10.56		21,851
Fidelity VIP Overseas (AnnuiChoice )	314,263		3			314,266		12.99		24,199
Fidelity VIP Overseas (GrandMaster flex3 )	131,625		1			131,626		13.92		9,457
Fidelity VIP Overseas (GrandMaster )	327,373		—			327,373		8.68		37,723
Fidelity VIP Overseas (IQ Advisor Standard )	3,177		(1		)	3,176		15.46		205
Fidelity VIP Overseas (IQ3 )	213,562		(2		)	213,560		12.65		16,887
Fidelity VIP Overseas (Pinnacle )	296,886		2			296,888		14.28		20,788
Fidelity VIP Overseas (Pinnacle IV )	282,476		2			282,478		14.10		20,035
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	97,004		9			97,013		11.25		8,621
Fidelity VIP Overseas (Pinnacle Plus )	66,935		(2		)	66,933		16.97		3,944
Fidelity VIP Overseas (Pinnacle V )	882,415		(1		)	882,414		8.37		105,464
Fidelity VIP Target Volatility (AdvantEdge )	238,465		(1		)	238,464		10.75		22,190
Fidelity VIP Target Volatility (AnnuiChoice II )	627,725		1			627,726		10.90		57,605
Fidelity VIP Target Volatility (GrandMaster )	61,792		—			61,792		10.83		5,706
Fidelity VIP Target Volatility (Pinnacle IV )	18,666		—			18,666		10.80		1,729
Fidelity VIP Target Volatility (Pinnacle V )	1,811,722		(2		)	1,811,720		10.76		168,327
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )	184,750		(1		)	184,749		15.23		12,131
Columbia VIT Mid Cap Value (AnnuiChoice II )	101,829		2			101,831		15.63		6,516
Columbia VIT Mid Cap Value (Annuichoice )	220,313		(2		)	220,311		15.76		13,976
Columbia VIT Mid Cap Value (Grandmaster flex3 )	108,000		(4		)	107,996		15.27		7,071
Columbia VIT Mid Cap Value (Grandmaster )	124,947		1			124,948		15.45		8,087
Columbia VIT Mid Cap Value (Pinnacle )	108,270		—			108,270		15.45		7,008
Columbia VIT Mid Cap Value (Pinnacle IV )	202,804		1			202,805		15.36		13,202
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )	20,397		—			20,397		15.63		1,305
Columbia VIT Mid Cap Value (Pinnacle Plus )	88,940		—			88,940		15.17		5,864
Columbia VIT Mid Cap Value (Pinnacle V )	710,158		(1		)	710,157		15.27		46,497
Franklin Growth and Income VIP Fund (Pinnacle )	1,914,596		(2		)	1,914,594		22.58		84,792
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	7,914		(2		)	7,912		22.86		346
Franklin Income VIP Fund (Pinnacle )	5,208,958		(2		)	5,208,956		24.28		214,505
Franklin Income VIP Fund (Pinnacle II Reduced M&E )	249,078		1			249,079		24.58		10,131
JP Morgan IT Mid Cap Value (AnnuiChoice )	94,137		1			94,138		31.69		2,971
JP Morgan IT Mid Cap Value (Grandmaster )	42,069		1			42,070		30.84		1,364
JP Morgan IT Mid Cap Value (GrandMaster flex3 )	116,307		—			116,307		30.36		3,831
JP Morgan IT Mid Cap Value (IQ3 )	68,087		(2		)	68,085		30.60		2,225
JP Morgan IT Mid Cap Value (Pinnacle )	89,200		—			89,200		30.84		2,892
JP Morgan IT Mid Cap Value (Pinnacle IV )	276,596		3			276,599		30.60		9,039
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )	41,080		(2		)	41,078		21.05		1,952
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	35,992		1			35,993		26.07		1,380
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	1,590		2			1,592		15.79		101
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )	35,639		(2		)	35,637		23.98		1,486
Morgan Stanley UIF Emerging Markets Debt (IQ3 )	79,378		(1		)	79,377		24.45		3,246
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )	335,354		—			335,354		25.98		12,906
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )	21,376		—			21,376		26.31		813
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	53,833		3			53,836		27.29		1,973
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	212,700		(3		)	212,697		36.67		5,801
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	13,796		(5		)	13,791		15.40		896
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )	127,084		(1		)	127,083		34.21		3,715
Morgan Stanley UIF U.S. Real Estate (IQ3 )	421,462		(1		)	421,461		33.77		12,479

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Class 1 (continued):
Morgan Stanley UIF U.S. Real Estate (Pinnacle )	$	1,042,472	$	(5	)	$	1,042,467	$	44.78	23,282
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	447,858		3			447,861		37.60		11,910
Non-Affiliated Class 2:
American Funds Managed Risk Asset Allocation (AdvantEdge )	366,860		1			366,861		10.68		34,335
American Funds Managed Risk Asset Allocation (AnnuiChoice )	13,817		(1		)	13,816		10.88		1,269
American Funds Managed Risk Asset Allocation (AnnuiChoice II )	365,806		2			365,808		10.83		33,764
American Funds Managed Risk Asset Allocation (GrandMaster )	31,633		1			31,634		10.77		2,938
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )	32,295		—			32,295		10.70		3,018
American Funds Managed Risk Asset Allocation (Pinnacle IV )	137,163		—			137,163		10.73		12,778
American Funds Managed Risk Asset Allocation (Pinnacle V )	3,031,822		—			3,031,822		10.70		283,317
Columbia VIT Small Cap Value (AdvantEdge )	172,437		2			172,439		25.32		6,809
Columbia VIT Small Cap Value (AnnuiChoice II )	649,407		(1		)	649,406		26.23		24,762
Columbia VIT Small Cap Value (AnnuiChoice )	147,126		—			147,126		26.53		5,545
Columbia VIT Small Cap Value (Grandmaster flex3 )	46,896		2			46,898		25.42		1,845
Columbia VIT Small Cap Value (Grandmaster )	36,064		(2		)	36,062		25.82		1,397
Columbia VIT Small Cap Value (Pinnacle Plus )	67,539		1			67,540		25.19		2,682
Columbia VIT Small Cap Value (Pinnacle )	74,541		—			74,541		25.82		2,887
Columbia VIT Small Cap Value (Pinnacle IV )	34,455		1			34,456		25.62		1,345
Columbia VIT Small Cap Value (Pinnacle V )	2,096,121		—			2,096,121		25.42		82,450
Franklin Growth and Income VIP Fund (AdvantEdge )	160,044		(4		)	160,040		15.63		10,241
Franklin Growth and Income VIP Fund (AnnuiChoice )	927,805		2			927,807		22.92		40,476
Franklin Growth and Income VIP Fund (AnnuiChoice II )	266,702		(1		)	266,701		16.03		16,643
Franklin Growth and Income VIP Fund (Grandmaster )	504,473		2			504,475		21.81		23,125
Franklin Growth and Income VIP Fund (GrandMaster flex3 )	369,208		1			369,209		21.20		17,412
Franklin Growth and Income VIP Fund (IQ Annuity )	1,452,144		—			1,452,144		21.51		67,519
Franklin Growth and Income VIP Fund (Pinnacle )	775,582		(1		)	775,581		13.69		56,659
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	43		1			44		13.86		3
Franklin Growth and Income VIP Fund (Pinnacle IV )	1,059,813		14			1,059,827		21.51		49,275
Franklin Growth and Income VIP Fund (Pinnacle Plus )	150,152		(3		)	150,149		20.21		7,429
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )	212,244		2			212,246		17.95		11,825
Franklin Growth and Income VIP Fund (Pinnacle V )	1,700,780		—			1,700,780		13.12		129,605
Franklin Income VIP Fund (AdvantEdge )	334,778		—			334,778		14.12		23,710
Franklin Income VIP Fund (AnnuiChoice )	1,158,158		(1		)	1,158,157		24.63		47,013
Franklin Income VIP Fund (AnnuiChoice II )	7,927,774		(2		)	7,927,772		15.40		514,718
Franklin Income VIP Fund (Grandmaster )	918,225		(2		)	918,223		23.44		39,166
Franklin Income VIP Fund (GrandMaster flex3 )	2,078,719		(1		)	2,078,718		22.79		91,216
Franklin Income VIP Fund (IQ Advisor Standard )	3,606		4			3,610		20.26		178
Franklin Income VIP Fund (IQ Annuity )	1,199,196		(2		)	1,199,194		23.11		51,882
Franklin Income VIP Fund (Pinnacle IV )	2,184,245		2			2,184,247		23.11		94,496
Franklin Income VIP Fund (Pinnacle Plus )	331,670		1			331,671		19.98		16,604
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )	465,738		(1		)	465,737		13.97		33,333
Franklin Income VIP Fund (Pinnacle V )	5,179,187		(3		)	5,179,184		13.01		398,204
Franklin Large Cap Growth VIP Fund (AdvantEdge )	672,450		(1		)	672,449		14.69		45,771
Franklin Large Cap Growth VIP Fund (AnnuiChoice )	70,747		(1		)	70,746		21.20		3,338
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )	306,441		(2		)	306,439		16.11		19,021
Franklin Large Cap Growth VIP Fund (Grandmaster )	42,660		(1		)	42,659		20.17		2,115
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )	108,130		(4		)	108,126		19.61		5,515
Franklin Large Cap Growth VIP Fund (IQ Annuity )	183,672		2			183,674		19.89		9,236
Franklin Large Cap Growth VIP Fund (Pinnacle )	77,933		2			77,935		20.17		3,864
Franklin Large Cap Growth VIP Fund (Pinnacle IV )	277,510		—			277,510		19.89		13,954
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )	178,209		1			178,210		17.69		10,072
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )	158,828		—			158,828		16.34		9,718
Franklin Large Cap Growth VIP Fund (Pinnacle V )	1,747,266		(3		)	1,747,263		13.10		133,373
Franklin Mutual Shares VIP Fund (AdvantEdge )	1,491,103		1			1,491,104		14.03		106,249
Franklin Mutual Shares VIP Fund (AnnuiChoice )	440,999		(3		)	440,996		24.59		17,936
Franklin Mutual Shares VIP Fund (AnnuiChoice II )	2,890,718		2			2,890,720		15.04		192,210
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )	893,244		—			893,244		22.74		39,273
Franklin Mutual Shares VIP Fund (IQ Annuity )	496,597		1			496,598		23.07		21,527
Franklin Mutual Shares VIP Fund (Pinnacle )	613,251		(2		)	613,249		23.40		26,209
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )	8,056		1			8,057		23.69		340
Franklin Mutual Shares VIP Fund (Pinnacle IV )	1,120,820		(5		)	1,120,815		23.07		48,584
Franklin Mutual Shares VIP Fund (Pinnacle Plus )	222,812		(3		)	222,809		20.64		10,794
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )	316,349		—			316,349		16.56		19,104
Franklin Mutual Shares VIP Fund (Pinnacle V )	10,929,510		(66		)	10,929,444		12.36		884,017
Franklin Mutual Shares VIP Fund(Grandmaster )	500,205		(2		)	500,203		23.40		21,377
Franklin Small Cap Value VIP Fund (AdvantEdge )	176,395		—			176,395		18.88		9,342
Franklin Small Cap Value VIP Fund (Annuichoice )	63,569		—			63,569		16.98		3,743
Franklin Small Cap Value VIP Fund (Annuichoice II )	270,586		(1		)	270,585		16.74		16,168
Franklin Small Cap Value VIP Fund (Grandmaster )	93,072		—			93,072		16.41		5,671
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )	54,727		—			54,727		16.09		3,401
Franklin Small Cap Value VIP Fund (IQ Annuuity )	34,662		—			34,662		16.25		2,133

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Class 2 (continued):
Franklin Small Cap Value VIP Fund (Pinnacle Plus )	$	32,450	$	1		$	32,451	$	15.90	2,041
Franklin Small Cap Value VIP Fund (Pinnacle )	63,904		2			63,906		16.41		3,894
Franklin Small Cap Value VIP Fund (Pinnacle IV )	30,195		(3		)	30,192		16.25		1,858
Franklin Small Cap Value VIP Fund (Pinnacle V )	1,126,540		1			1,126,541		16.05		70,181
Invesco VI American Franchise (AdvantEdge )	3,495		1			3,496		16.72		209
Invesco VI American Franchise (AnnuiChoice )	6,445		(2		)	6,443		24.98		258
Invesco VI American Franchise (AnnuiChoice II )	87,773		1			87,774		19.37		4,532
Invesco VI American Franchise (Grandmaster )	2,794		(2		)	2,792		23.77		118
Invesco VI American Franchise (GrandMaster flex3 )	6,132		(2		)	6,130		23.11		265
Invesco VI American Franchise (IQ Advisor Standard )	3,473		(1		)	3,472		21.49		162
Invesco VI American Franchise (IQ Annuity )	268,726		1			268,727		23.44		11,465
Invesco VI American Franchise (Pinnacle )	65,638		(1		)	65,637		23.77		2,761
Invesco VI American Franchise (Pinnacle IV )	106,981		6			106,987		23.44		4,564
Invesco VI American Franchise (Pinnacle Plus )	18,617		1			18,618		20.23		920
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )	13,313		—			13,313		17.06		780
Invesco VI American Franchise (Pinnacle V )	990,765		—			990,765		16.11		61,486
Invesco VI American Value (AdvantEdge )	117,083		4			117,087		16.46		7,112
Invesco VI American Value (AnnuiChoice )	17,236		—			17,236		17.34		994
Invesco VI American Value (AnnuiChoice II )	675,122		(4		)	675,118		17.11		39,450
Invesco VI American Value (Grandmaster )	55,001		2			55,003		16.82		3,271
Invesco VI American Value (Grandmaster flex3 )	1,851		—			1,851		16.52		112
Invesco VI American Value (IQ Annuity )	64,593		(3		)	64,590		16.67		3,875
Invesco VI American Value (Pinnacle )	45,423		2			45,425		16.82		2,701
Invesco VI American Value (Pinnacle IV )	67,556		—			67,556		16.67		4,053
Invesco VI American Value (Pinnacle Plus Reduced M&E )	8,494		(2		)	8,492		18.20		467
Invesco VI American Value (Pinnacle V )	3,618,072		13			3,618,085		16.52		218,983
Invesco VI Comstock (AdvantEdge )	310,037		(3		)	310,034		16.41		18,893
Invesco VI Comstock (AnnuiChoice )	297,090		2			297,092		26.97		11,017
Invesco VI Comstock (AnnuiChoice II )	1,352,252		(3		)	1,352,249		16.97		79,692
Invesco VI Comstock (Grandmaster )	207,214		—			207,214		25.66		8,074
Invesco VI Comstock (GrandMaster flex3 )	70,748		(2		)	70,746		24.95		2,836
Invesco VI Comstock (IQ Advisor Standard )	3,839		1			3,840		22.75		169
Invesco VI Comstock (IQ Annuity )	340,523		1			340,524		25.30		13,459
Invesco VI Comstock (Pinnacle )	129,026		2			129,028		25.66		5,028
Invesco VI Comstock (Pinnacle IV )	239,873		(2		)	239,871		25.30		9,480
Invesco VI Comstock (Pinnacle Plus Reduced M&E )	40,468		—			40,468		18.76		2,157
Invesco VI Comstock (Pinnacle V )	7,352,466		9			7,352,475		14.00		525,291
Invesco VI International Growth Class II (Advantedge)	342,821		—			342,821		10.27		33,380
Invesco VI International Growth Class II (IQ Advisor Enhanced )	500,824		5			500,829		10.54		47,518
Invesco VI International Growth Class II (Pinnacle )	48,622		1			48,623		10.36		4,693
Invesco VI International Growth Class II (Pinnacle Plus )	75,331		3			75,334		10.42		7,230
Invesco VI International Growth Class II (Pinnacle V )	2,122,507		(4		)	2,122,503		10.30		206,069
Invesco VI International Growth II (Annuichoice)	150,084		5			150,089		10.63		14,118
Invesco VI International Growth II (Grandmaster )	16,711		—			16,711		10.42		1,604
Invesco VI International Growth II (Grandmaster flex3 )	4,918		(1		)	4,917		10.30		477
Invesco VI Mid Cap Growth II (Annuichoice II )*	921		1			922		10.35		89
Invesco VI Mid Cap Growth II (Pinnacle IV )*	7,348		—			7,348		10.33		712
Invesco VI Mid Cap Growth II (Pinnacle V )*	86,093		1			86,094		10.32		8,342
Templeton Foreign VIP Fund (IQ Annuity )	231,898		3			231,901		19.48		11,902
Templeton Foreign VIP Fund (Pinnacle )	450,589		2			450,591		19.76		22,800
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )	3,534		(1		)	3,533		20.01		177
Templeton Foreign VIP Fund (Pinnacle IV )	514,516		(1		)	514,515		19.48		26,406
Templeton Foreign VIP Fund (Pinnacle V )	4,414,890		(2		)	4,414,888		9.34		472,714
Templeton Foreign VIP Fund (AnnuiChoice )	297,765		(4		)	297,761		20.77		14,339
Templeton Foreign VIP Fund (AnnuiChoice II )	1,079,020		4			1,079,024		11.56		93,367
Templeton Foriegn VIP Fund (AdvantEdge )	543,113		1			543,114		9.82		55,301
Templeton Foriegn VIP Fund (Grandmaster )	272,268		—			272,268		19.76		13,777
Templeton Foriegn VIP Fund (GrandMaster flex3 )	232,555		2			232,557		19.21		12,106
Templeton Foriegn VIP Fund (IQ Advisor Standard )	59,186		(3		)	59,183		16.97		3,487
Templeton Foriegn VIP Fund (Pinnacle Plus )	107,517		(2		)	107,515		17.73		6,066
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )	143,619		—			143,619		11.05		12,994
Templeton Global Bond VIP Fund (Pinnacle )	22,976		—			22,976		9.38		2,449
Templeton Global Bond VIP Fund (Grandmaster )	382,522		(1		)	382,521		9.38		40,777
Templeton Global Bond VIP Fund (GrandMaster flex3 )	68,890		(2		)	68,888		9.31		7,399
Templeton Global Bond VIP Fund (Pinnacle V )	895,176		(2		)	895,174		9.35		95,781
Templeton Global Bond VIP Fund (Advantedge )	13,217		—			13,217		9.29		1,422
Templeton Global Bond VIP Fund (Pinnacle IV )	3,333,421		2			3,333,423		9.31		357,999
Templeton Global Bond VIP Fund (Annuichoice )	113,365		(2		)	113,363		9.50		11,929
Templeton Global Bond VIP Fund (AnnuiChoice II )	80,993		1			80,994		9.45		8,570
Templeton Growth VIP Fund (AdvantEdge )	109,556		(1		)	109,555		11.48		9,542
Templeton Growth VIP Fund (AnnuiChoice )	252,190		1			252,191		20.57		12,261

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Class 2 (continued):
Templeton Growth VIP Fund (AnnuiChoice II )	$	122,895	$	3		$	122,898	$	11.98	10,263
Templeton Growth VIP Fund (Grandmaster )	245,695		2			245,697		19.58		12,551
Templeton Growth VIP Fund (GrandMaster flex3 )	364,376		(3		)	364,373		19.03		19,150
Templeton Growth VIP Fund (IQ Annuity )	325,428		(1		)	325,427		19.30		16,862
Templeton Growth VIP Fund (Pinnacle )	616,131		2			616,133		19.58		31,475
Templeton Growth VIP Fund (Pinnacle IV )	444,406		(3		)	444,403		19.30		23,026
Templeton Growth VIP Fund (Pinnacle Plus )	76,627		(2		)	76,625		17.40		4,403
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )	184,499		1			184,500		14.09		13,095
Templeton Growth VIP Fund (Pinnacle V )	861,775		4			861,779		9.87		87,305
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )	310,684		(3		)	310,681		13.63		22,788
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	81,427		1			81,428		14.62		5,569
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	93,427		(3		)	93,424		14.41		6,484
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )	148,069		2			148,071		13.85		10,688
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )	63,210		—			63,210		23.82		2,653
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )	159,652		(3		)	159,649		23.49		6,798
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	152,568		(1		)	152,567		13.99		10,905
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )	44,331		(2		)	44,329		20.07		2,209
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )	15,391		2			15,393		11.55		1,333
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )	674,642		1			674,643		13.78		48,969
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )	328,463		—			328,463		7.30		44,976
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )	224,707		1			224,708		30.96		7,259
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )	208,629		(1		)	208,628		11.56		18,045
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )	144,180		(1		)	144,179		29.46		4,894
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )	344,617		(1		)	344,616		28.64		12,034
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )	78,323		(1		)	78,322		22.11		3,542
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )	229,008		(2		)	229,006		29.04		7,885
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )	340,443		(2		)	340,441		29.46		11,556
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )	400,838		(2		)	400,836		29.05		13,800
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )	47,024		1			47,025		24.73		1,902
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )	51,405		9			51,414		8.44		6,094
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )	1,324,521		—			1,324,521		8.32		159,232
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )	105,086		1			105,087		30.15		3,485
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )	88,546		1			88,547		16.87		5,248
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )	324,029		2			324,031		15.73		20,596
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	186,369		(2		)	186,367		12.70		14,671
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	400,603		1			400,604		12.52		32,001
Morgan Stanley UIF U.S. Real Estate (Grandmaster )	194,381		(4		)	194,377		36.07		5,389
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )	110,886		(2		)	110,884		12.04		9,213
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )	203,263		(2		)	203,261		35.56		5,715
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	404,342		(1		)	404,341		12.16		33,265
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )	3,072,193		1			3,072,194		12.87		238,780
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)	115,466		(3		)	115,463		13.61		8,484
BlackRock Capital Appreciation VI (AnnuiChoice II)	698,963		—			698,963		13.97		50,047
BlackRock Capital Appreciation VI (Annuichoice )	46,620		(2		)	46,618		14.09		3,309
BlackRock Capital Appreciation VI (Grandmaster flex3 )	31,019		2			31,021		13.65		2,273
BlackRock Capital Appreciation VI Class III (Grandmaster )	31,324		1			31,325		13.81		2,269
BlackRock Capital Appreciation VI Class III (Pinnacle )	38,690		1			38,691		13.81		2,802
BlackRock Capital Appreciation VI Class III (Pinnacle IV )	95,463		—			95,463		13.73		6,954
BlackRock Capital Appreciation VI Class III (Pinnacle V )	4,048,436		(3		)	4,048,433		13.65		296,620
BlackRock Global Allocation VI (Advantedge )	33,182		(2		)	33,180		10.85		3,059
BlackRock Global Allocation VI (AnnuiChoice II)	901,340		2			901,342		11.13		80,962
BlackRock Global Allocation VI (Annuichoice )	147,398		(1		)	147,397		11.23		13,126
BlackRock Global Allocation VI (Grandmaster flex3 )	117,327		2			117,329		10.88		10,784
BlackRock Global Allocation VI (Grandmaster )	77,651		—			77,651		11.01		7,056
BlackRock Global Allocation VI Class III (Pinnacle )	13,319		2			13,321		11.01		1,210
BlackRock Global Allocation VI Class III (Pinnacle IV )	342,249		(3		)	342,246		10.94		31,277
BlackRock Global Allocation VI Class III (Pinnacle V )	395,391		2			395,393		10.88		36,342
BlackRock High Yield VI Class III (Annuichoice )*	6,837		—			6,837		10.65		642
BlackRock High Yield VI Class III (AnnuiChoice II)*	50		—			50		10.64		5
BlackRock High Yield VI Class III (Pinnacle V )*	26,011		—			26,011		10.61		2,451
BlackRock Total Return VI Class III (AnnuiChoice II)*	64,187		(1		)	64,186		9.87		6,502
BlackRock Total Return VI Class III (Pinnacle )*	35,232		—			35,232		9.86		3,574
BlackRock Total Return VI Class III (Pinnacle V )*	211,387		1			211,388		9.84		21,472
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)	413,881		(304		)	413,577		10.35		39,997
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )	16,399		(3		)	16,396		10.23		1,603
TOPS Managed Risk Moderate Growth ETF (Advantedge )	296,616		(127		)	296,489		10.18		29,149
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )	2,847,871		(3,003		)	2,844,868		10.19		279,342
TOPS Managed Risk Moderate Growth ETF (Grandmaster )	8,348		1			8,349		10.27		813
Non-Affiliated Class 4:
American Funds Bond (Pinnacle V )*	580,358		(1		)	580,357		9.82		59,091

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Non-Affiliated Class 4 (continued):
American Funds Capital Income Builder (Pinnacle )	$	6,833	$	—		$	6,833	$	9.55	716
American Funds Capital Income Builder (Pinnacle IV )	15,695		—			15,695		9.53		1,647
American Funds Capital Income Builder (Pinnacle V )	311,453		(1		)	311,452		9.51		32,741
American Funds Capital Income Builder (AnnuiChoice )	6,773		—			6,773		9.60		705
American Funds Capital Income Builder (AnnuiChoice II )	66,881		(1		)	66,880		9.58		6,983
American Funds Global Growth (AdvantEdge )	50,286		2			50,288		10.90		4,612
American Funds Global Growth (AnnuiChoice )	354,018		—			354,018		11.11		31,874
American Funds Global Growth (AnnuiChoice II )	142,066		(1		)	142,065		11.06		12,850
American Funds Global Growth (GrandMaster )	923,039		—			923,039		10.99		84,009
American Funds Global Growth (GrandMaster flex3 )	35,079		1			35,080		10.92		3,212
American Funds Global Growth (Pinnacle )	12,334		(1		)	12,333		10.99		1,123
American Funds Global Growth (Pinnacle IV )	2,240,387		—			2,240,387		10.95		204,535
American Funds Global Growth (Pinnacle V )	6,254,017		1			6,254,018		10.92		572,729
American Funds Growth (AdvantEdge )	224,687		—			224,687		12.52		17,945
American Funds Growth (AnnuiChoice )	29,216		(1		)	29,215		12.76		2,290
American Funds Growth (AnnuiChoice II )	115,131		(1		)	115,130		12.70		9,068
American Funds Growth (GrandMaster )	25,228		3			25,231		12.62		1,999
American Funds Growth (GrandMaster flex3 )	11,809		—			11,809		12.54		942
American Funds Growth (Pinnacle )	31,139		—			31,139		12.62		2,468
American Funds Growth (Pinnacle IV )	101,220		(1		)	101,219		12.58		8,047
American Funds Growth (Pinnacle V )	1,858,119		(2		)	1,858,117		12.54		148,171
American Funds Growth-Income (AdvantEdge )	120,920		2			120,922		12.36		9,784
American Funds Growth-Income (AnnuiChoice )	665,204		2			665,206		12.59		52,837
American Funds Growth-Income (AnnuiChoice II )	247,145		(1		)	247,144		12.53		19,722
American Funds Growth-Income (GrandMaster )	1,241,927		—			1,241,927		12.45		99,717
American Funds Growth-Income (GrandMaster flex3 )	601,569		—			601,569		12.38		48,601
American Funds Growth-Income (Pinnacle )	149,186		—			149,186		12.45		11,978
American Funds Growth-Income (Pinnacle IV )	3,270,716		3			3,270,719		12.42		263,425
American Funds Growth-Income (Pinnacle V )	9,521,123		(2		)	9,521,121		12.38		769,216
American Funds New World (AdvantEdge )	21,032		—			21,032		9.16		2,296
American Funds New World (AnnuiChoice )	5,209		—			5,209		9.33		558
American Funds New World (AnnuiChoice II )	58,509		(1		)	58,508		9.29		6,299
American Funds New World (GrandMaster )	3,913		(2		)	3,911		9.23		424
American Funds New World (GrandMaster flex3 )	29,268		—			29,268		9.17		3,190
American Funds New World (Pinnacle IV )	37,941		—			37,941		9.20		4,123
American Funds New World (Pinnacle V )	209,143		—			209,143		9.17		22,795
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )	511,943		2			511,945		27.17		18,844
Deutsche Small Cap Index VIP (Pinnacle IV )	27,838		1			27,839		26.09		1,067
Non-Affiliated Class B:
Deutsche Small Cap Index (AdvantEdge )	23,116		(1		)	23,115		18.36		1,259
Deutsche Small Cap Index (AnnuiChoice II )	147,966		—			147,966		18.23		8,115
Deutsche Small Cap Index (AnnuiChoice )	81,668		—			81,668		26.25		3,111
Deutsche Small Cap Index (GrandMaster flex3 )	72,302		—			72,302		24.01		3,011
Deutsche Small Cap Index (Grandmaster )	124,353		(3		)	124,350		22.49		5,528
Deutsche Small Cap Index (IQ3 )	88,974		1			88,975		24.36		3,653
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )	9,687		—			9,687		19.07		508
Deutsche Small Cap Index (Pinnacle Plus )	38,204		(1		)	38,203		24.96		1,531
Deutsche Small Cap Index VIP (Pinnacle IV )	264,103		(3		)	264,100		24.36		10,842
Deutsche Small Cap Index VIP (Pinnacle V )	762,832		2			762,834		15.43		49,436
Advisor Class:
Pimco VIT All Asset (AdvantEdge )	93,088		(1		)	93,087		12.06		7,718
Pimco VIT All Asset (IQ Annuity )	323,380		(2		)	323,378		12.12		26,691
Pimco VIT All Asset (Pinnacle )	165,072		(2		)	165,070		12.22		13,505
Pimco VIT All Asset (AnnuiChoice II )	131,309		(2		)	131,307		12.55		10,466
Pimco VIT All Asset (AnnuiChoice )	23,012		1			23,013		12.60		1,826
Pimco VIT All Asset (GrandMaster flex3 )	204,099		(1		)	204,098		12.01		16,994
Pimco VIT All Asset (Grandmaster )	121,828		(1		)	121,827		12.22		9,967
Pimco VIT All Asset (Pinnacle IV )	151,762		(3		)	151,759		12.21		12,427
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )	12,626		1			12,627		11.18		1,129
Pimco VIT All Asset (Pinnacle Plus )	10,477		—			10,477		11.88		882
Pimco VIT All Asset (Pinnacle V )	610,125		2			610,127		12.10		50,410
Pimco VIT Foreign Bond (AnnuiChoice )*	2,527		—			2,527		10.30		245
Pimco VIT Foreign Bond (Pinnacle V )*	9,887		(1		)	9,886		10.26		964
Pimco VIT Commodity Real Return (Pinnacle )	19,677		2			19,679		4.33		4,544
Pimco VIT Commodity Real Return (Pinnacle IV )	48,473		(1		)	48,472		4.32		11,212
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )	1,742		(1		)	1,741		4.38		397
Pimco VIT Commodity Real Return (Pinnacle V )	1,510,859		3			1,510,862		4.28		352,623
Pimco VIT Commodity Real Return Strategy (AdvantEdge )	308,177		1			308,178		4.27		72,177
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )	287,533		—			287,533		4.44		64,740
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )	9,937		(4		)	9,933		4.47		2,225

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Advisor Class (continued):
Pimco VIT Commodity Real Return Strategy (Grandmaster )	$	31,249	$	—		$	31,249	$	4.33	7,217
Pimco VIT Commodity Real Return Strategy (IQ Annuity )	128,164		(2		)	128,162		4.29		29,860
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )	64,630		—			64,630		4.25		15,191
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )	5,126		(1		)	5,125		5.79		885
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )	10,632		1			10,633		4.21		2,526
Pimco VIT Long Term Government (IQ Annuity )	10,824		1			10,825		9.96		1,086
Pimco VIT Long Term Government (Pinnacle )	24,982		(2		)	24,980		9.96		2,508
Pimco VIT Long Term Government (Pinnacle V )	66,660		—			66,660		9.93		6,716
Pimco VIT Long Term Government (Pinnacle IV )	278,074		—			278,074		9.89		28,121
Pimco VIT Long Term Government (Annuichoice )	17,650		(1		)	17,649		10.09		1,749
Pimco VIT Long Term Government (AnnuiChoice II )	45,085		—			45,085		10.04		4,492
Pimco VIT Low Duration (AnnuiChoice II )	1,141,224		(1		)	1,141,223		11.46		99,585
Pimco VIT Low Duration (AnnuiChoice )	61,771		(1		)	61,770		11.64		5,305
Pimco VIT Low Duration (GrandMaster flex3 )	412,609		(1		)	412,608		11.10		37,187
Pimco VIT Low Duration (Grandmaster )	320,450		(1		)	320,449		11.29		28,377
Pimco VIT Low Duration (IQ Annuity )	211,462		1			211,463		11.19		18,891
Pimco VIT Low Duration (Pinnacle )	122,107		(2		)	122,105		11.29		10,813
Pimco VIT Low Duration (Pinnacle IV )	168,351		1			168,352		11.16		15,091
Pimco VIT Low Duration (AdvantEdge )	72,848		(3		)	72,845		11.02		6,612
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )	36,991		(1		)	36,990		10.09		3,666
Pimco VIT Low Duration (Pinnacle Plus )	28,241		(4		)	28,237		10.98		2,572
Pimco VIT Low Duration (Pinnacle V )	2,836,860		5			2,836,865		11.06		256,595
Pimco VIT Real Return (Pinnacle IV )	108,194		—			108,194		11.70		9,248
Pimco VIT Real Return (AdvantEdge )	26,473		(1		)	26,472		11.55		2,291
Pimco VIT Real Return (AnnuiChoice II )	252,436		2			252,438		12.02		21,003
Pimco VIT Real Return (AnnuiChoice )	118,447		(3		)	118,444		12.19		9,719
Pimco VIT Real Return (GrandMaster flex3 )	35,605		2			35,607		11.61		3,066
Pimco VIT Real Return (Grandmaster )	76,027		(3		)	76,024		11.82		6,433
Pimco VIT Real Return (IQ Annuity )	120,335		(3		)	120,332		11.72		10,272
Pimco VIT Real Return (Pinnacle )	18,359		(4		)	18,355		11.82		1,553
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )	28,692		(1		)	28,691		10.35		2,771
Pimco VIT Real Return (Pinnacle Plus )	46,929		(4		)	46,925		11.49		4,084
Pimco VIT Real Return (Pinnacle V )	386,704		(1		)	386,703		11.60		33,351
Pimco VIT Total Return (Pinnacle V )	26,150,864		35			26,150,899		13.10		1,996,022
Pimco VIT Total Return (AdvantEdge )	4,891,505		5			4,891,510		13.06		374,652
Pimco VIT Total Return (AnnuiChoice II )	4,385,697		3			4,385,700		13.58		322,945
Pimco VIT Total Return (AnnuiChoice )	529,694		(1		)	529,693		13.56		39,051
Pimco VIT Total Return (GrandMaster flex3 )	394,581		(3		)	394,578		12.92		30,529
Pimco VIT Total Return (Grandmaster )	480,775		(2		)	480,773		13.15		36,549
Pimco VIT Total Return (IQ Annuity )	822,540		2			822,542		13.04		63,083
Pimco VIT Total Return (Pinnacle )	854,578		1			854,579		13.15		64,966
Pimco VIT Total Return (Pinnacle IV )	552,262		(1		)	552,261		13.22		41,775
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )	69,647		(2		)	69,645		10.88		6,400
Pimco VIT Total Return (Pinnacle Plus )	308,724		2			308,726		12.79		24,140
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )	1,234		(1		)	1,233		6.18		200
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )	2,758		(1		)	2,757		6.13		450
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )	333,425		(1		)	333,424		6.08		54,822
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )	185,535		—			185,535		6.06		30,622
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )	59,676		—			59,676		6.29		9,495
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )	20,073		(1		)	20,072		6.08		3,300
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )	6,744		—			6,744		6.13		1,100
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )	7,685		1			7,686		6.02		1,276
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )	53,904		(1		)	53,903		8.63		6,243
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )	134,074		1			134,075		8.98		14,929
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )	12,488		3			12,491		8.97		1,391
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )	4,349		(3		)	4,346		8.55		509
Guggenheim VT Multi-Hedge Strategies (Grandmaster )	13,361		4			13,365		8.70		1,535
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )	25,314		—			25,314		8.63		2,934
Guggenheim VT Multi-Hedge Strategies (Pinnacle )	331		—			331		8.70		38
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )	45,711		—			45,711		8.74		5,229
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )	7,028		(1		)	7,027		10.79		651
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )	17,767		1			17,768		8.46		2,100
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )	152,718		—			152,718		8.66		17,627
Guggenheim VT Long Short Equity (AdvantEdge )	25,094		2			25,096		9.93		2,528
Guggenheim VT Long Short Equity (AnnuiChoice II )	66,056		1			66,057		10.33		6,397
Guggenheim VT Long Short Equity (AnnuiChoice )	69,708		(3		)	69,705		10.17		6,855
Guggenheim VT Long Short Equity (GrandMaster flex3 )	8,858		1			8,859		9.69		914
Guggenheim VT Long Short Equity (Grandmaster )	2,109		(2		)	2,107		9.86		214
Guggenheim VT Long Short Equity (IQ Annuity )	34,106		—			34,106		9.78		3,489
Guggenheim VT Long Short Equity (Pinnacle )	329		(2		)	327		9.86		33

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
Investor Class (continued):
Guggenheim VT Long Short Equity (Pinnacle IV )	$	21,778	$	3		$	21,781	$	10.05	2,166
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )	4,262		(1		)	4,261		11.71		364
Guggenheim VT Long Short Equity (Pinnacle Plus )	8,023		1			8,024		9.59		837
Guggenheim VT Long Short Equity (Pinnacle V )	65,474		(1		)	65,473		9.96		6,572
ETF Shares:
iShares Core US Aggregate Bond ETF (Varoom ®)	108,288		1			108,289		26.94		4,020
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)	518,598		3			518,601		25.64		20,224
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)	41,785		—			41,785		25.42		1,644
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)	848,283		1			848,284		24.32		34,874
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)	240,345		2			240,347		26.14		9,195
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)	18,468		(2		)	18,466		26.45		698
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)	913,725		1			913,726		25.31		36,100
iShares TIPS Bond ETF (Varoom)	84,470		3			84,473		26.28		3,214
iShares TIPS Bond ETF (Varoom GLWB 2)	36,705		(1		)	36,704		25.02		1,467
iShares TIPS Bond ETF (Varoom GLWB 3)	3,844		3			3,847		23.46		164
iShares TIPS Bond ETF (Varoom GLWB 5)	92,893		(2		)	92,891		22.44		4,139
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)	16,681		—			16,681		31.22		534
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)	15,594		(1		)	15,593		29.72		525
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)	373,545		(3		)	373,542		30.39		12,293
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)	233,676		1			233,677		29.07		8,037
iShares S&P 500 Growth ETF (Varoom)	138,368		(1		)	138,367		45.89		3,015
iShares S&P 500 Growth ETF (Varoom GLWB 1)	644,670		—			644,670		44.22		14,577
iShares S&P 500 Growth ETF (Varoom GLWB 2)	33,530		(4		)	33,526		43.68		768
iShares S&P 500 Growth ETF (Varoom GLWB 3)	236,255		1			236,256		44.56		5,302
iShares S&P 500 Growth ETF (Varoom GLWB 4)	6,045,254		(1		)	6,045,253		43.08		140,319
iShares S&P 500 Growth ETF (Varoom GLWB 5)	134,885		(1		)	134,884		42.64		3,164
iShares Core S&P 500 Index ETF (Varoom)	492,068		2			492,070		45.83		10,736
iShares Core S&P 500 Index ETF (Varoom GLWB 1)	7,821,678		2			7,821,680		44.17		177,070
iShares Core S&P 500 Index ETF (Varoom GLWB 2)	720,197		(2		)	720,195		43.63		16,507
iShares Core S&P 500 Index ETF (Varoom GLWB 3)	1,163,776		—			1,163,776		45.43		25,618
iShares Core S&P 500 Index ETF (Varoom GLWB 4)	57,323,116		(3		)	57,323,113		43.92		1,305,165
iShares Core S&P 500 Index ETF (Varoom GLWB 5)	2,928,589		(2		)	2,928,587		43.46		67,379
iShares S&P 500 Value ETF (Varoom)	98,976		1			98,977		44.31		2,234
iShares S&P 500 Value ETF (Varoom GLWB 1)	378,077		3			378,080		42.70		8,854
iShares S&P 500 Value ETF (Varoom GLWB 2)	39,754		1			39,755		42.18		943
iShares S&P 500 Value ETF (Varoom GLWB 3)	343,024		(1		)	343,023		45.57		7,528
iShares S&P 500 Value ETF (Varoom GLWB 4)	2,279,572		(3		)	2,279,569		44.05		51,746
iShares S&P 500 Value ETF (Varoom GLWB 5)	159,875		1			159,876		43.60		3,667
iShares Core S&P MidCap Index ETF (Varoom)	233,542		1			233,543		44.66		5,229
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)	2,246,276		2			2,246,278		43.04		52,190
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)	288,236		(3		)	288,233		42.51		6,780
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)	531,621		2			531,623		46.01		11,554
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)	16,709,971		—			16,709,971		44.49		375,622
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)	701,332		(2		)	701,330		44.02		15,931
iShares Core S&P Small Cap Index ETF (Varoom)	161,733		(2		)	161,731		48.35		3,345
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)	1,145,449		3			1,145,452		46.60		24,581
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)	150,897		3			150,900		46.03		3,278
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)	402,299		(1		)	402,298		49.73		8,089
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)	8,538,969		2			8,538,971		48.08		177,594
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)	659,208		(2		)	659,206		47.58		13,854
iShares International Treasury Bond (Varoom)	39,708		—			39,708		22.31		1,780
iShares International Treasury Bond (Varoom GLWB 1)	1,048,406		—			1,048,406		21.50		48,762
iShares International Treasury Bond (Varoom GLWB 2)	15,996		3			15,999		21.24		753
iShares International Treasury Bond (Varoom GLWB 3)	42,243		(2		)	42,241		22.13		1,909
iShares International Treasury Bond (Varoom GLWB 4)	7,731,830		1			7,731,831		21.39		361,394
iShares International Treasury Bond (Varoom GLWB 5)	40,959		(2		)	40,957		21.17		1,935
Vanguard Dividend Appreciation Index Fund ETF (Varoom)	236,458		—			236,458		41.50		5,697
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)	469,808		4			469,812		39.51		11,891
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)	284,642		(2		)	284,640		40.01		7,114
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)	1,278,612		—			1,278,612		38.28		33,398
Vanguard Emerging Markets Index Fund ETF (Varoom)	21,333		—			21,333		20.03		1,065
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)	110,993		(2		)	110,991		19.06		5,822
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)	78,070		2			78,072		23.33		3,346
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)	336,657		1			336,658		22.32		15,081
Vanguard Developed Markets Index Fund ETF (Varoom)	50,530		—			50,530		27.62		1,830
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)	1,090,290		(3		)	1,090,287		26.61		40,966
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)	173,294		1			173,295		26.29		6,592
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)	210,901		5			210,906		30.99		6,806
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)	8,074,462		(3		)	8,074,459		29.96		269,503
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)	338,893		(3		)	338,890		29.65		11,430
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)	9,172		—			9,172		30.48		301

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Assets and Liabilities

December 31, 2016



Subaccount	Investments at fair value		Receivable from (payable to ) the general account of Integrity			Net Assets		Unit Value		Units Outstanding
ETF Shares (continued):
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)	$	19,657	$	(1	)	$	19,656	$	29.02	677
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)	81,669		2			81,671		28.64		2,851
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)	92,592		2			92,594		27.40		3,379
Vanguard Large-Cap Index ETF (Varoom)	70,188		(1		)	70,187		45.14		1,555
Vanguard Large-Cap Index ETF (Varoom GLWB 2)	315,427		1			315,428		42.97		7,341
Vanguard Large-Cap Index ETF (Varoom GLWB 3)	321,772		2			321,774		45.17		7,123
Vanguard Large-Cap Index ETF (Varoom GLWB 5)	742,325		1			742,326		43.22		17,175
Vanguard Mega Cap Index ETF (Varoom)	35,275		—			35,275		45.52		775
Vanguard Mega Cap Index ETF (Varoom GLWB 2)	23,216		(1		)	23,215		43.33		536
Vanguard Mega Cap Index ETF (Varoom GLWB 3)	26,494		2			26,496		45.38		584
Vanguard Mega Cap Index ETF (Varoom GLWB 5)	70,258		(1		)	70,257		43.41		1,618
Vanguard REIT Index ETF (Varoom)	42,485		(2		)	42,483		42.95		989
Vanguard REIT Index ETF (Varoom GLWB 2)	98,351		2			98,353		40.88		2,406
Vanguard REIT Index ETF (Varoom GLWB 3)	252,362		(1		)	252,361		41.86		6,028
Vanguard REIT Index ETF (Varoom GLWB 5)	288,458		—			288,458		40.05		7,202
Vanguard Total Bond Market Index ETF (Varoom)	317,400		(1		)	317,399		26.98		11,765
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)	7,507,971		(1		)	7,507,970		26.00		288,765
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)	694,950		(2		)	694,948		25.68		27,061
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)	1,038,568		1			1,038,569		25.38		40,924
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)	55,539,435		(2		)	55,539,433		24.54		2,263,621
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)	2,847,632		2			2,847,634		24.28		117,279
Vanguard Short Term Bond ETF (Varoom GLWB 2)	11,620		—			11,620		23.28		499
Vanguard Short Term Bond ETF (Varoom GLWB 3)	53,460		3			53,463		24.01		2,226
Vanguard Short Term Bond ETF (Varoom GLWB 5)	355,763		(1		)	355,762		23.05		15,432

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments		Net increase (decrease) in net assets resulting from operations
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)	$	2,669	$	2,941	$	(272	)	$	2,573		$	—	$	9,055		$	11,628	$	11,356
Touchstone Aggressive ETF (AnnuiChoice ®)	8,989		5,832		3,157			11,810			—		23,100			34,910		38,067
Touchstone Aggressive ETF (AnnuiChoice II )	8,888		6,985		1,903			28,281			—		9,159			37,440		39,343
Touchstone Aggressive ETF (GrandMaster flex3 )	9,328		21,762		(12,434		)	156,523			—		(94,755		)	61,768		49,334
Touchstone Aggressive ETF (Grandmaster )	1,933		1,679		254			980			—		6,631			7,611		7,865
Touchstone Aggressive ETF (IQ Advisor Standard)	4,139		1,584		2,555			783			—		15,488			16,271		18,826
Touchstone Aggressive ETF (IQ Annuity )	87,922		84,374		3,548			271,559			—		82,846			354,405		357,953
Touchstone Aggressive ETF (Pinnacle )	6,773		5,894		879			2,530			—		24,264			26,794		27,673
Touchstone Aggressive ETF (Pinnacle IV )	5,008		5,669		(661		)	23,064			—		2,035			25,099		24,438
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )	1,101		807		294			(6		)	—		4,358			4,352		4,646
Touchstone Aggressive ETF (Pinnacle Plus )	2,229		2,603		(374		)	1,742			—		7,700			9,442		9,068
Touchstone Aggressive ETF (Pinnacle V )	32,294		33,960		(1,666		)	124,039			—		15,925			139,964		138,298
Touchstone Conservative ETF (AdvantEdge )	3,335		3,601		(266		)	782			2,370		5,693			8,845		8,579
Touchstone Conservative ETF (AnnuiChoice II )	16,374		13,415		2,959			22,345			11,650		14,065			48,060		51,019
Touchstone Conservative ETF (AnnuiChoice )	2,557		4,064		(1,507		)	2,442			1,818		8,783			13,043		11,536
Touchstone Conservative ETF (GrandMaster flex3 )	1,434		11,779		(10,345		)	16,804			1,038		4,188			22,030		11,685
Touchstone Conservative ETF (Grandmaster )	940		919		21			(256		)	669		2,563			2,976		2,997
Touchstone Conservative ETF (IQ Advisor Standard )	2,689		1,049		1,640			163			1,912		4,686			6,761		8,401
Touchstone Conservative ETF (IQ Annuity )	12,259		12,869		(610		)	4,514			8,730		15,275			28,519		27,909
Touchstone Conservative ETF (Pinnacle )	1,729		4,271		(2,542		)	(380		)	1,230		9,453			10,303		7,761
Touchstone Conservative ETF (Pinnacle IV )	4,968		8,441		(3,473		)	(21,770		)	3,537		40,815			22,582		19,109
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )	297		200		97			(255		)	211		58			14		111
Touchstone Conservative ETF (Pinnacle Plus )	1,960		2,419		(459		)	(597		)	1,394		5,323			6,120		5,661
Touchstone Conservative ETF Fund (Pinnacle V )	78,560		98,319		(19,759		)	2,910			56,141		197,459			256,510		236,751
Touchstone Active Bond (AdvantEdge )	4,897		4,308		589			(1,033		)	—		12,553			11,520		12,109
Touchstone Active Bond (AnnuiChoice II )	8,669		4,688		3,981			(4,935		)	—		18,845			13,910		17,891
Touchstone Active Bond (AnnuiChoice )	11,308		5,416		5,892			(1,663		)	—		21,373			19,710		25,602
Touchstone Active Bond (GrandMaster flex3 )	6,333		5,047		1,286			(1,456		)	—		14,205			12,749		14,035
Touchstone Active Bond (Grandmaster )	5,098		3,899		1,199			(6,685		)	—		19,853			13,168		14,367
Touchstone Active Bond (IQ Annuity )	10,469		8,154		2,315			(4,824		)	—		27,842			23,018		25,333
Touchstone Active Bond (Pinnacle )	17,842		12,142		5,700			2,197			—		32,474			34,671		40,371
Touchstone Active Bond (Pinnacle IV )	13,120		10,444		2,676			4,442			—		29,795			34,237		36,913
Touchstone Active Bond (Pinnacle II Reduced M&E )	119		62		57			—			—		204			204		261
Touchstone Active Bond (Pinnacle Plus Reduced M&E )	2,296		1,320		976			(1,095		)	—		5,211			4,116		5,092
Touchstone Active Bond (Pinnacle Plus )	3,769		3,419		350			820			—		8,767			9,587		9,937
Touchstone Active Bond (PinnacleV )	155,167		98,001		57,166			(50,392		)	—		210,423			160,031		217,197
Touchstone GMAB Aggressive ETF (AnnuiChoice II )	3,038		3,719		(681		)	21,164			—		(8,127		)	13,037		12,356
Touchstone GMAB Aggressive ETF (Pinnacle IV )	8,216		13,391		(5,175		)	86,142			—		(45,484		)	40,658		35,483

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Affiliated (continued):
Touchstone GMAB Aggressive ETF (Pinnacle V )	$	7,682	$	11,261	$	(3,579	)	$	36,163		$	—	$	(4,963	)	$	31,200		$	27,621
Touchstone GMAB Conservative ETF (AnnuiChoice II )	3,516		4,056		(540		)	1,676			2,500		4,587			8,763			8,223
Touchstone GMAB Conservative ETF (Pinnacle IV )	8,121		11,791		(3,670		)	9,997			6,169		6,592			22,758			19,088
Touchstone GMAB Conservative ETF (Pinnacle V )	8,001		11,647		(3,646		)	4,788			5,692		10,491			20,971			17,325
Touchstone GMAB Moderate ETF (AnnuiChoice II )	535		552		(17		)	180			2,096		(729		)	1,547			1,530
Touchstone GMAB Moderate ETF (Pinnacle IV )	8,902		12,329		(3,427		)	56,000			34,994		(63,742		)	27,252			23,825
Touchstone GMAB Moderate ETF(Pinnacle V )	9,122		11,337		(2,215		)	4,187			35,738		(14,712		)	25,213			22,998
Touchstone Large Cap Core Equity (AdvantEdge )	3,379		7,642		(4,263		)	71,303			40,787		(82,894		)	29,196			24,933
Touchstone Large Cap Core Equity (AnnuiChoice II )	5,536		7,041		(1,505		)	28,701			67,715		(43,073		)	53,343			51,838
Touchstone Large Cap Core Equity (AnnuiChoice )	3,275		3,846		(571		)	35,668			39,104		(50,274		)	24,498			23,927
Touchstone Large Cap Core Equity (GrandMaster flex3 )	785		1,596		(811		)	851			9,429		(4,500		)	5,780			4,969
Touchstone Large Cap Core Equity (Grandmaster )	818		1,185		(367		)	(328		)	9,905		(2,792		)	6,785			6,418
Touchstone Large Cap Core Equity (IQ Advisor Standard )	—		6		(6		)	2,634			—		(2,784		)	(150		)	(156		)
Touchstone Large Cap Core Equity (IQ Annuity )	2,600		4,523		(1,923		)	21,369			31,082		(28,718		)	23,733			21,810
Touchstone Large Cap Core Equity (Pinnacle )	40,701		75,300		(34,599		)	303,704			493,471		(413,532		)	383,643			349,044
Touchstone Large Cap Core Equity (Pinnacle IV )	12,156		14,408		(2,252		)	(44,824		)	145,425		(49,065		)	51,536			49,284
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )	3,380		4,267		(887		)	1,269			40,341		(11,428		)	30,182			29,295
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )	1,982		2,542		(560		)	9,591			28,679		(15,244		)	23,026			22,466
Touchstone Large Cap Core Equity (Pinnacle Plus )	656		2,833		(2,177		)	27,314			7,830		(26,666		)	8,478			6,301
Touchstone Large Cap Core Equity (PinnacleV )	78,260		103,111		(24,851		)	61,956			944,034		(580,914		)	425,076			400,225
Touchstone Focused (AdvantEdge )	—		7,698		(7,698		)	(8,477		)	79,625		(14,922		)	56,226			48,528
Touchstone Focused (AnnuiChoice II )	—		29,770		(29,770		)	187,832			459,954		(331,959		)	315,827			286,057
Touchstone Focused (AnnuiChoice )	—		25,818		(25,818		)	140,781			480,710		(309,494		)	311,997			286,179
Touchstone Focused (GrandMaster flex3 )	—		14,228		(14,228		)	(33,088		)	173,833		(32,405		)	108,340			94,112
Touchstone Focused (Grandmaster )	—		23,418		(23,418		)	(44,898		)	109,218		(2,960		)	61,360			37,942
Touchstone Focused (IQ Advisor Standard )	—		574		(574		)	2,921			20,298		(9,114		)	14,105			13,531
Touchstone Focused (IQ Annuity )	—		67,872		(67,872		)	(44,169		)	876,114		(251,970		)	579,975			512,103
Touchstone Focused (Pinnacle )	—		75,731		(75,731		)	18,313			853,219		(304,856		)	566,676			490,945
Touchstone Focused (Pinnacle IV )	—		48,559		(48,559		)	140,835			610,337		(344,955		)	406,217			357,658
Touchstone Focused (Pinnacle II Reduced M&E )	—		6,075		(6,075		)	1,836			107,096		(39,579		)	69,353			63,278
Touchstone Focused (Pinnacle Plus Reduced M&E )	—		7,894		(7,894		)	(4,199		)	140,609		(46,405		)	90,005			82,111
Touchstone Focused (Pinnacle Plus )	1		6,577		(6,576		)	(40,372		)	34,744		39,134			33,506			26,930
Touchstone Focused (PinnacleV )	—		104,608		(104,608		)	354,554			1,478,482		(1,009,485		)	823,551			718,943
Touchstone Moderate ETF (AdvantEdge )	3,699		7,854		(4,155		)	51,160			14,488		(36,952		)	28,696			24,541
Touchstone Moderate ETF (AnnuiChoice II )	37,810		26,074		11,736			43,915			148,293		(79,359		)	112,849			124,585
Touchstone Moderate ETF (AnnuiChoice )	29,972		17,998		11,974			38,986			117,395		(67,348		)	89,033			101,007
Touchstone Moderate ETF (GrandMaster flex3 )	13,401		21,601		(8,200		)	190,475			52,713		(182,521		)	60,667			52,467
Touchstone Moderate ETF (Grandmaster )	2,257		1,783		474			(179		)	8,841		(2,294		)	6,368			6,842
Touchstone Moderate ETF (IQ Advisor Enhanced )	666		311		355			62			2,607		(757		)	1,912			2,267
Touchstone Moderate ETF (IQ Advisor Standard )	2,347		820		1,527			178			9,189		(2,633		)	6,734			8,261
Touchstone Moderate ETF (IQ Annuity )	22,940		20,349		2,591			29,662			89,860		(52,849		)	66,673			69,264

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Affiliated (continued):
Touchstone Moderate ETF (Pinnacle )	$	4,479	$	4,086	$	393		$	10,717		$	17,541	$	(12,674	)	$	15,584		$	15,977
Touchstone Moderate ETF (Pinnacle IV )	18,113		15,997		2,116			40,482			70,938		(57,500		)	53,920			56,036
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )	250		111		139			(413		)	982		(229		)	340			479
Touchstone Moderate ETF (Pinnacle Plus )	3,907		3,217		690			8,852			15,302		(12,417		)	11,737			12,427
Touchstone Moderate ETF (Pinnacle V )	52,765		46,048		6,717			58,801			206,743		(120,577		)	144,967			151,684
Non-Affiliated Initial Class:					—
Fidelity VIP Balanced (Pinnacle )	13,735		14,423		(688		)	16,330			26,623		15,438			58,391			57,703
Fidelity VIP Balanced (Pinnacle II Reduced M&E )	92		74		18			3			162		221			386			404
Fidelity VIP Balanced (Grandmaster )	18,734		18,911		(177		)	9,576			34,864		34,191			78,631			78,454
Fidelity VIP Overseas (Pinnacle )	1,155		1,155		—			(2,294		)	137		(4,228		)	(6,385		)	(6,385		)
Fidelity VIP Overseas (Pinnacle IV )	794		940		(146		)	(1,622		)	94		(2,833		)	(4,361		)	(4,507		)
Fidelity VIP Equity-Income (Grandmaster )	176,782		108,241		68,541			(295,514		)	511,428		951,602			1,167,516			1,236,057
Fidelity VIP Equity-Income (Pinnacle )	40,304		25,563		14,741			13,988			125,394		131,479			270,861			285,602
Fidelity VIP Equity-Income (Pinnacle II Reduced M&E )	—		122		(122		)	(1,616		)	2,635		(339		)	680			558
Fidelity VIP Growth (Grandmaster )	2,314		82,535		(80,221		)	310,031			607,716		(892,372		)	25,375			(54,846		)
Fidelity VIP High Income (Grandmaster )	68,212		17,006		51,206			(96,550		)	—		212,408			115,858			167,064
Fidelity VIP II Asset Manager (Grandmaster )	51,173		50,524		649			40,205			161,307		(142,305		)	59,207			59,856
Fidelity VIP II Contrafund (Grandmaster )	70,354		126,326		(55,972		)	203,077			773,174		(371,523		)	604,728			548,756
Fidelity VIP II Contrafund (Pinnacle )	40,291		70,229		(29,938		)	568,747			438,554		(662,094		)	345,207			315,269
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )	231		329		(98		)	1,778			2,972		(2,983		)	1,767			1,669
Fidelity VIP II Index 500 (Grandmaster )	47,460		46,196		1,264			250,989			3,695		79,202			333,886			335,150
Fidelity VIP II Index 500 (IQ Annuity )	2,662		2,614		48			1,556			183		15,943			17,682			17,730
Fidelity VIP II Index 500 (Pinnacle )	30,316		30,501		(185		)	114,928			2,538		98,142			215,608			215,423
Fidelity VIP II Index 500 (Pinnacle IV )	2,279		2,284		(5		)	2,477			161		12,860			15,498			15,493
Fidelity VIP II Index 500 (Pinnacle II Reduced M&E )	1		104		(103		)	11,551			38		(10,970		)	619			516
Fidelity VIP II Investment Grade Bond (Pinnacle )	31,159		18,450		12,709			7,533			649		24,034			32,216			44,925
Fidelity VIP II Investment Grade Bond (Pinnacle IV )	8,084		5,280		2,804			119			181		9,245			9,545			12,349
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )	1,038		483		555			(5		)	20		941			956			1,511
Fidelity VIP II Investment Grade Bond (AnnuiChoice )	7,958		3,394		4,564			302			159		7,105			7,566			12,130
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )	1,195		592		603			89			24		1,069			1,182			1,785
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )	2,322		1,813		509			3,735			63		(100		)	3,698			4,207
Fidelity VIP II Investment Grade Bond (Grandmaster )	43,518		25,839		17,679			6,605			912		39,464			46,981			64,660
Fidelity VIP II Investment Grade Bond (IQ Annuity )	6,449		4,055		2,394			1,771			131		4,510			6,412			8,806
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )	506		285		221			469			13		301			783			1,004
Fidelity VIP II Investment Grade Bond (Pinnacle Plus )	1		28		(27		)	68			2		94			164			137
Fidelity VIP Government Money Market (Pinnacle )	2,288		15,476		(13,188		)	—			—		—			—			(13,188		)
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )	93		514		(421		)	—			—		—			—			(421		)
Fidelity VIP Government Money Market (Pinnacle IV )	3,313		24,514		(21,201		)	—			—		—			—			(21,201		)
Fidelity VIP Government Money Market (Pinnacle V )	18,664		149,117		(130,453		)	—			—		—			—			(130,453		)
Fidelity VIP Government Money Market (Pinnacle Plus )	836		7,558		(6,722		)	—			—		—			—			(6,722		)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Initial Class (continued):
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )	$	383	$	1,792	$	(1,409	)	$	—		$	—	$	—		$	—		$	(1,409	)
Fidelity VIP Government Money Market (Grandmaster )	3,535		24,351		(20,816		)	—			—		—			—			(20,816		)
Fidelity VIP Government Money Market (Grandmaster flex3 )	1,425		11,236		(9,811		)	—			—		—			—			(9,811		)
Fidelity VIP Government Money Market (AdvantEdge )	1,690		14,107		(12,417		)	—			—		—			—			(12,417		)
Fidelity VIP Government Money Market (AnnuiChoice )	1,124		5,687		(4,563		)	—			—		—			—			(4,563		)
Fidelity VIP Government Money Market (AnnuiChoice II )	1,905		10,862		(8,957		)	—			—		—			—			(8,957		)
Fidelity VIP Government Money Market (IQ Annuity )	495		3,635		(3,140		)	—			—		—			—			(3,140		)
Fidelity VIP Government Money Market (IQ3 )	4,188		31,131		(26,943		)	—			—		—			—			(26,943		)
Fidelity VIP Government Money Market (IQ Advisor Standard )	163		558		(395		)	—			—		—			—			(395		)
Fidelity VIP Government Money Market (Varoom GLWB 2)*	4		35		(31		)	—			—		—			—			(31		)
Fidelity VIP Government Money Market (Varoom GLWB 3)*	103		759		(656		)	—			—		—			—			(656		)
Fidelity VIP Government Money Market (Varoom GLWB 5)*	127		1,361		(1,234		)	—			—		—			—			(1,234		)
Fidelity VIP Overseas (AnnuiChoice )	1,311		907		404			(2,215		)	155		(4,189		)	(6,249		)	(5,845		)
Fidelity VIP Overseas (AnnuiChoice II )	345		283		62			(598		)	41		(1,107		)	(1,664		)	(1,602		)
Fidelity VIP Overseas (Grandmaster flex3 )	8		9		(1		)	26			1		(73		)	(46		)	(47		)
Fidelity VIP Overseas (Grandmaster )	24,264		23,046		1,218			(30,725		)	2,876		(87,576		)	(115,425		)	(114,207		)
Fidelity VIP Overseas (IQ Annuity )	256		273		(17		)	(442		)	30		(884		)	(1,296		)	(1,313		)
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	333		262		71			(22		)	40		(1,560		)	(1,542		)	(1,471		)
Fidelity VIP Overseas (Pinnacle Plus )	—		—		—			(11		)	—		(3		)	(14		)	(14		)
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )	7,035		4,592		2,443			(5,591		)	20,041		31,268			45,718			48,161
Fidelity VIP Growth (IQ Annuity )	—		3,294		(3,294		)	8,491			21,818		(28,719		)	1,590			(1,704		)
Fidelity VIP Growth (Pinnacle )	—		5,597		(5,597		)	13,042			39,862		(50,232		)	2,672			(2,925		)
Fidelity VIP Growth (Pinnacle II Reduced M&E )	—		23		(23		)	9			191		(186		)	14			(9		)
Fidelity VIP High Income (IQ Annuity )	14,331		2,950		11,381			(7,561		)	—		22,239			14,678			26,059
Fidelity VIP II Asset Manager (IQ Annuity )	195		199		(4		)	60			574		(410		)	224			220
Fidelity VIP II Contrafund (IQ Annuity )	6,673		13,949		(7,276		)	127,502			87,944		(152,563		)	62,883			55,607
Fidelity VIP III Balanced (IQ Annuity )	1,553		1,769		(216		)	413			2,941		3,526			6,880			6,664
Fidelity VIP III Mid Cap (Grandmaster )	2,631		10,557		(7,926		)	37,617			51,177		(7,723		)	81,071			73,145
Fidelity VIP III Mid Cap (IQ Annuity )	3,201		11,107		(7,906		)	(1,756		)	46,037		40,036			84,317			76,411
Fidelity VIP III Mid Cap (Pinnacle )	9,144		33,230		(24,086		)	80,458			157,801		(219		)	238,040			213,954
Fidelity VIP Overseas (IQ Annuity )	408		430		(22		)	(130		)	52		(1,973		)	(2,051		)	(2,073		)
Non-Affiliated Service Class 2:					—
Fidelity VIP Asset Manager (IQ3 )	3,055		3,456		(401		)	1,033			10,325		(7,931		)	3,427			3,026
Fidelity VIP Asset Manager (AdvantEdge )	735		902		(167		)	386			2,421		(1,933		)	874			707
Fidelity VIP Asset Manager (AnnuiChoice II )	1,503		1,343		160			(85		)	5,112		(3,383		)	1,644			1,804
Fidelity VIP Asset Manager (AnnuiChoice )	2,812		2,145		667			(84		)	9,228		(5,917		)	3,227			3,894
Fidelity VIP Asset Manager (GrandMaster flex3 )	2,213		2,623		(410		)	(1,616		)	7,318		(3,223		)	2,479			2,069
Fidelity VIP Asset Manager (IQ Advisor Standard )	44		21		23			(3		)	142		(89		)	50			73
Fidelity VIP Asset Manager (Pinnacle )	361		373		(12		)	(25		)	1,183		(746		)	412			400
Fidelity VIP Asset Manager (Pinnacle IV )	3,207		3,552		(345		)	(3,455		)	10,869		(4,140		)	3,274			2,929

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )	$	698	$	703	$	(5	)	$	(1,361	)	$	2,654	$	(101	)	$	1,192		$	1,187
Fidelity VIP Asset Manager (Pinnacle Plus )	83		113		(30		)	(332		)	343		29			40			10
Fidelity VIP Asset Manager (Pinnacle V )	5,424		6,462		(1,038		)	(3,138		)	18,132		(8,830		)	6,164			5,126
Fidelity VIP Balanced (AdvantEdge )	2,506		3,652		(1,146		)	3,678			5,868		3,458			13,004			11,858
Fidelity VIP Balanced (AnnuiChoice II )	10,284		10,106		178			7,876			22,027		18,802			48,705			48,883
Fidelity VIP Balanced (AnnuiChoice )	6,183		5,195		988			2,870			13,058		13,028			28,956			29,944
Fidelity VIP Balanced (GrandMaster flex3 )	3,086		3,865		(779		)	1,921			6,065		5,024			13,010			12,231
Fidelity VIP Balanced (Grandmaster )	7,366		8,278		(912		)	8,736			14,815		7,387			30,938			30,026
Fidelity VIP Balanced (IQ3 )	9,433		12,237		(2,804		)	14,558			20,831		10,830			46,219			43,415
Fidelity VIP Balanced (Pinnacle )	4,892		5,573		(681		)	2,876			10,201		9,870			22,947			22,266
Fidelity VIP Balanced (Pinnacle IV )	13,363		15,999		(2,636		)	24,813			27,763		7,387			59,963			57,327
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )	289		289		—			53			579		777			1,409			1,409
Fidelity VIP Balanced (Pinnacle Plus )	379		795		(416		)	(2,127		)	1,886		2,402			2,161			1,745
Fidelity VIP Balanced (Pinnacle V )	15,964		20,842		(4,878		)	10,265			33,895		32,263			76,423			71,545
Fidelity VIP Contrafund (AdvantEdge )	13,673		38,145		(24,472		)	154,485			204,978		(212,907		)	146,556			122,084
Fidelity VIP Contrafund (AnnuiChoice II )	23,846		44,665		(20,819		)	239,555			324,566		(283,880		)	280,241			259,422
Fidelity VIP Contrafund (AnnuiChoice )	13,245		24,539		(11,294		)	247,335			214,425		(313,372		)	148,388			137,094
Fidelity VIP Contrafund (GrandMaster flex3 )	9,303		24,136		(14,833		)	(41,204		)	165,842		(25,480		)	99,158			84,325
Fidelity VIP Contrafund (IQ Advisor Standard )	835		784		51			(620		)	9,437		1,011			9,828			9,879
Fidelity VIP Contrafund (IQ3 )	22,997		54,093		(31,096		)	171,095			306,043		(226,109		)	251,029			219,933
Fidelity VIP Contrafund (Pinnacle IV )	30,047		72,775		(42,728		)	336,190			417,882		(408,475		)	345,597			302,869
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )	2,192		5,061		(2,869		)	(20,485		)	38,180		6,663			24,358			21,489
Fidelity VIP Contrafund (Pinnacle Plus )	2,039		6,760		(4,721		)	(38,736		)	42,049		21,740			25,053			20,332
Fidelity VIP Contrafund (Pinnacle V )	85,284		210,457		(125,173		)	392,592			1,038,410		(445,430		)	985,572			860,399
Fidelity VIP Disciplined Small Cap (Advantedge)	134		146		(12		)	214			—		4,016			4,230			4,218
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )	493		1,046		(553		)	3,187			4,714		15,301			23,202			22,649
Fidelity VIP Disciplined Small Cap (AnnuiChoice )	830		1,310		(480		)	1,237			8,425		23,029			32,691			32,211
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )	154		487		(333		)	283			2,217		4,048			6,548			6,215
Fidelity VIP Disciplined Small Cap (GrandMaster )	353		741		(388		)	(19,910		)	6,569		20,089			6,748			6,360
Fidelity VIP Disciplined Small Cap (IQ Annuity )	331		1,037		(706		)	5,030			5,093		4,335			14,458			13,752
Fidelity VIP Disciplined Small Cap (Pinnacle )	646		1,800		(1,154		)	1,183			9,508		16,968			27,659			26,505
Fidelity VIP Disciplined Small Cap (Pinnacle IV )	1,080		3,662		(2,582		)	13,062			22,074		8,970			44,106			41,524
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )	9		187		(178		)	(2,691		)	1,314		2,012			635			457
Fidelity VIP Disciplined Small Cap (Pinnacle Plus )	1		2		(1		)	(144		)	71		18			(55		)	(56		)
Fidelity VIP Disciplined Small Cap (Pinnacle V )	5,395		10,841		(5,446		)	(1,371		)	30,333		170,900			199,862			194,416
Fidelity VIP Equity-Income (AnnuiChoice II )	8,060		4,745		3,315			10,638			25,142		20,443			56,223			59,538
Fidelity VIP Equity-Income (AdvantEdge )	13,057		10,287		2,770			(23,365		)	40,964		69,909			87,508			90,278
Fidelity VIP Equity-Income (AnnuiChoice )	19,283		9,010		10,273			4,476			58,540		66,265			129,281			139,554
Fidelity VIP Equity-Income (GrandMaster flex3 )	2,953		2,321		632			(12,006		)	10,873		21,056			19,923			20,555
Fidelity VIP Equity-Income (IQ Advisor Standard )	256		69		187			43			739		892			1,674			1,861
Fidelity VIP Equity-Income (IQ3 )	8,818		6,214		2,604			2,141			28,549		29,416			60,106			62,710

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment								Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges			Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Equity-Income (Pinnacle IV )	$	17,683	$	12,163		$	5,520		$	8,640		$	54,340	$	58,554		$	121,534		$	127,054
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )	934		493			441			(255		)	2,727		3,898			6,370			6,811
Fidelity VIP Equity-Income (Pinnacle Plus )	6,724		5,263			1,461			(1,350		)	16,613		34,721			49,984			51,445
Fidelity VIP Equity-Income (Pinnacle V )	26,980		17,749			9,231			(71,225		)	69,354		168,604			166,733			175,964
Fidelity VIP Freedom 2010 (Advantedge )	1,398		1,759			(361		)	910			2,582		607			4,099			3,738
Fidelity VIP Freedom 2010 (AnnuiChoice II )	1,637		1,542			95			3,181			3,121		(1,374		)	4,928			5,023
Fidelity VIP Freedom 2010 (GrandMaster )	240		291			(51		)	5,471			441		(6,167		)	(255		)	(306		)
Fidelity VIP Freedom 2010 (IQ Annuity )	719		839			(120		)	3,058			1,298		(2,124		)	2,232			2,112
Fidelity VIP Freedom 2010 (Pinnacle )	194		205			(11		)	2			348		226			576			565
Fidelity VIP Freedom 2010 (Pinnacle IV )	785		807			(22		)	2,378			907		(1,181		)	2,104			2,082
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )	183		163			20			(4		)	324		218			538			558
Fidelity VIP Freedom 2010 (Pinnacle Plus )	52		146			(94		)	536			211		(404		)	343			249
Fidelity VIP Freedom 2010 (Pinnacle V )	5,240		6,655			(1,415		)	4,283			10,149		2,566			16,998			15,583
Fidelity VIP Freedom 2015 (AdvantEdge )	999		1,280			(281		)	789			2,280		149			3,218			2,937
Fidelity VIP Freedom 2015 (AnnuiChoice II )	1,921		806			1,115			5,789			2,485		(5,983		)	2,291			3,406
Fidelity VIP Freedom 2015 (GrandMaster )	115		38			77			—			12		(205		)	(193		)	(116		)
Fidelity VIP Freedom 2015 (IQ Advisor Standard )	—		291			(291		)	12,929			9,084		(38,335		)	(16,322		)	(16,613		)
Fidelity VIP Freedom 2015 (IQ Annuity )	528		7,177			(6,649		)	(14,282		)	16,571		29,464			31,753			25,104
Fidelity VIP Freedom 2015 (Pinnacle IV )	23		26			(3		)	17			49		8			74			71
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )	224		200			24			(11		)	475		256			720			744
Fidelity VIP Freedom 2015 (Pinnacle Plus )	158		437			(279		)	(934		)	749		1,264			1,079			800
Fidelity VIP Freedom 2015 (Pinnacle V )	16,615		18,636			(2,021		)	(5,823		)	33,152		18,811			46,140			44,119
Fidelity VIP Freedom 2020 (AdvantEdge )	1,374		2,480			(1,106		)	5,770			5,193		(3,987		)	6,976			5,870
Fidelity VIP Freedom 2020 (AnnuiChoice II )	8,071		15,910			(7,839		)	127,420			29,842		(100,077		)	57,185			49,346
Fidelity VIP Freedom 2020 (AnnuiChoice )	—		79			(79		)	8,787			1,191		(10,148		)	(170		)	(249		)
Fidelity VIP Freedom 2020 (GrandMaster flex3 )	209		260			(51		)	(66		)	526		272			732			681
Fidelity VIP Freedom 2020 (GrandMaster )	62		448			(386		)	13,351			1,406		(11,823		)	2,934			2,548
Fidelity VIP Freedom 2020 (IQ Annuity )	8,472		7,807			665			(8,356		)	10,448		14,771			16,863			17,528
Fidelity VIP Freedom 2020 (Pinnacle IV )	758		845			(87		)	224			1,816		491			2,531			2,444
Fidelity VIP Freedom 2020 (Pinnacle )	339		351			(12		)	(23		)	811		342			1,130			1,118
Fidelity VIP Freedom 2020 (Pinnacle Plus )	138		331			(193		)	579			648		(380		)	847			654
Fidelity VIP Freedom 2020 (Pinnacle V )	41,757		56,724			(14,967		)	129,726			122,757		(90,331		)	162,152			147,185
Fidelity VIP Freedom 2025 (Advantedge)	2,335		2,901			(566		)	410			5,728		2,020			8,158			7,592
Fidelity VIP Freedom 2025 (AnnuiChoice II )	6,697		4,241			2,456			14,289			7,498		(9,415		)	12,372			14,828
Fidelity VIP Freedom 2025 (IQ Annuity )	1,652		(922		)	2,574			(12,006		)	2,377		6,560			(3,069		)	(495		)
Fidelity VIP Freedom 2025 (Pinnacle )	61		63			(2		)	16			145		48			209			207
Fidelity VIP Freedom 2025 (Pinnacle IV )	381		422			(41		)	45			910		359			1,314			1,273
Fidelity VIP Freedom 2025 (Pinnacle Plus )	55		151			(96		)	482			298		(390		)	390			294
Fidelity VIP Freedom 2025 (Pinnacle V )	39,619		49,088			(9,469		)	128,159			98,796		(79,035		)	147,920			138,451
Fidelity VIP Freedom 2030 (AnnuiChoice II )	213		407			(194		)	9,202			1,917		(9,060		)	2,059			1,865
Fidelity VIP Freedom 2030 (Grandmaster )	29		32			(3		)	(3		)	90		29			116			113

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2030 (IQ Annuity )	$	1,673	$	1,813	$	(140	)	$	135		$	4,705	$	1,764		$	6,604		$	6,464
Fidelity VIP Freedom 2030 (Pinnacle )	27		29		(2		)	(3		)	84		28			109			107
Fidelity VIP Freedom 2030 (Pinnacle IV )	262		203		59			46			38		1,542			1,626			1,685
Fidelity VIP Freedom 2030 (Pinnacle V )	3,880		4,880		(1,000		)	2,415			12,144		1,199			15,758			14,758
Fidelity VIP Growth (AnnuiChoice II )	—		2,162		(2,162		)	1,310			16,305		(14,834		)	2,781			619
Fidelity VIP Growth (GrandMaster )	—		8,181		(8,181		)	30,722			56,969		(77,338		)	10,353			2,172
Fidelity VIP Growth (AdvantEdge )	—		1,667		(1,667		)	(3,001		)	8,750		(4,037		)	1,712			45
Fidelity VIP Growth (AnnuiChoice )	—		3,835		(3,835		)	15,113			37,308		(53,446		)	(1,025		)	(4,860		)
Fidelity VIP Growth (GrandMaster flex3 )	—		2,211		(2,211		)	(4,824		)	16,985		(10,773		)	1,388			(823		)
Fidelity VIP Growth (IQ Advisor Standard )	—		7		(7		)	1,506			671		(2,650		)	(473		)	(480		)
Fidelity VIP Growth (IQ3 )	—		4,804		(4,804		)	(3,239		)	32,258		(27,820		)	1,199			(3,605		)
Fidelity VIP Growth (Pinnacle )	—		3,427		(3,427		)	(4,950		)	26,511		(21,245		)	316			(3,111		)
Fidelity VIP Growth (Pinnacle IV )	—		9,966		(9,966		)	13,981			73,100		(88,275		)	(1,194		)	(11,160		)
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )	—		643		(643		)	(4,659		)	5,863		(1,932		)	(728		)	(1,371		)
Fidelity VIP Growth (Pinnacle Plus )	—		658		(658		)	123			—		4,948			5,071			4,413
Fidelity VIP Growth (Pinnacle V )	—		35,152		(35,152		)	23,663			185,670		(174,383		)	34,950			(202		)
Fidelity VIP High Income (AdvantEdge )	52,367		12,828		39,539			62,666			—		11,239			73,905			113,444
Fidelity VIP High Income (AnnuiChoice II )	37,978		5,771		32,207			1,020			—		39,204			40,224			72,431
Fidelity VIP High Income (AnnuiChoice )	17,085		2,865		14,220			(6,159		)	—		26,154			19,995			34,215
Fidelity VIP High Income (GrandMaster flex3 )	403,250		106,693		296,557			226,966			—		291,741			518,707			815,264
Fidelity VIP High Income (IQ Advisor Standard )	179		20		159			(19		)	—		282			263			422
Fidelity VIP High Income (IQ3 )	60,284		13,601		46,683			7,598			—		72,247			79,845			126,528
Fidelity VIP High Income (Pinnacle )	200,642		35,593		165,049			61,130			—		149,990			211,120			376,169
Fidelity VIP High Income (Pinnacle IV )	14,938		6,089		8,849			(18,019		)	—		63,168			45,149			53,998
Fidelity VIP High Income (Pinnacle II Reduced M&E )	—		1,080		(1,080		)	(31,956		)	—		42,198			10,242			9,162
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )	834		177		657			(91		)	—		1,325			1,234			1,891
Fidelity VIP High Income (Pinnacle Plus )	1,007		375		632			(2,203		)	—		3,925			1,722			2,354
Fidelity VIP High Income (Pinnacle V )	59,550		24,781		34,769			(203,997		)	—		342,115			138,118			172,887
Fidelity VIP II Index 500 (Pinnacle )	12,060		12,438		(378		)	26,201			983		62,799			89,983			89,605
Fidelity VIP II Index 500 (Pinnacle IV )	64,425		71,109		(6,684		)	299,099			5,140		165,009			469,248			462,564
Fidelity VIP II Index 500 (Pinnacle V )	244,508		269,145		(24,637		)	477,385			17,529		1,233,028			1,727,942			1,703,305
Fidelity VIP Index 500 (AdvantEdge )	16,505		21,158		(4,653		)	162,669			1,555		(39,901		)	124,323			119,670
Fidelity VIP Index 500 (AnnuiChoice II )	50,961		40,205		10,756			272,246			3,027		63,472			338,745			349,501
Fidelity VIP Index 500 (AnnuiChoice )	13,102		9,870		3,232			24,006			1,027		70,646			95,679			98,911
Fidelity VIP Index 500 (Grandmaster flex3 )	6,613		6,396		217			11,196			255		27,096			38,547			38,764
Fidelity VIP Index 500 (Grandmaster )	29,575		29,325		250			92,958			2,356		102,325			197,639			197,889
Fidelity VIP Index 500 (IQ Advisor Standard )	2,087		855		1,232			2,435			96		13,397			15,928			17,160
Fidelity VIP Index 500 (IQ3 )	16,426		15,907		519			35,928			953		79,798			116,679			117,198
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )	3,231		2,553		678			17,841			219		4,377			22,437			23,115
Fidelity VIP Index 500 (Pinnacle Plus )	3,944		6,593		(2,649		)	44,830			495		(10,404		)	34,921			32,272
Fidelity VIP Investment Grade Bond (AdvantEdge )	38,899		25,509		13,390			1,829			760		21,130			23,719			37,109

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Investment Grade Bond (AnnuiChoice II )	$	85,068	$	41,790	$	43,278		$	(9,626	)	$	1,596	$	73,526		$	65,496		$	108,774
Fidelity VIP Investment Grade Bond (AnnuiChoice )	33,000		14,694		18,306			2,554			696		25,583			28,833			47,139
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )	12,554		9,603		2,951			665			297		17,020			17,982			20,933
Fidelity VIP Investment Grade Bond (GrandMaster )	18,937		12,286		6,651			(4,511		)	444		27,413			23,346			29,997
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )	1,398		498		900			(3,233		)	89		6,048			2,904			3,804
Fidelity VIP Investment Grade Bond (IQ3 )	23,607		17,102		6,505			(13,678		)	548		43,751			30,621			37,126
Fidelity VIP Investment Grade Bond (Pinnacle )	30,543		18,461		12,082			(2,156		)	622		28,957			27,423			39,505
Fidelity VIP Investment Grade Bond (Pinnacle IV )	9,097		5,635		3,462			(1,225		)	159		6,971			5,905			9,367
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )	191		146		45			270			4		284			558			603
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )	1,598		809		789			168			34		1,216			1,418			2,207
Fidelity VIP Investment Grade Bond (Pinnacle Plus )	4,095		3,057		1,038			(3,885		)	93		7,974			4,182			5,220
Fidelity VIP Investment Grade Bond (Pinnacle V )	400,791		243,411		157,380			(26,680		)	6,472		180,260			160,052			317,432
Fidelity VIP Mid Cap (AdvantEdge )	743		3,557		(2,814		)	(17,580		)	15,821		24,637			22,878			20,064
Fidelity VIP Mid Cap (AnnuiChoice II )	2,238		7,945		(5,707		)	1,310			43,331		32,621			77,262			71,555
Fidelity VIP Mid Cap (AnnuiChoice )	2,499		8,024		(5,525		)	10,059			49,415		26,201			85,675			80,150
Fidelity VIP Mid Cap (GrandMaster flex3 )	925		4,654		(3,729		)	(4,989		)	19,286		17,834			32,131			28,402
Fidelity VIP Mid Cap (Grandmaster )	1,119		6,741		(5,622		)	(34,267		)	38,643		48,936			53,312			47,690
Fidelity VIP Mid Cap (IQ Advisor Standard )	490		876		(386		)	(1,365		)	6,742		13,076			18,453			18,067
Fidelity VIP Mid Cap (IQ Annuity )	5,711		26,386		(20,675		)	(7,659		)	113,847		106,653			212,841			192,166
Fidelity VIP Mid Cap (Pinnacle )	1,475		6,464		(4,989		)	154			30,168		21,181			51,503			46,514
Fidelity VIP Mid Cap (Pinnacle IV )	5,948		28,353		(22,405		)	3,473			127,263		82,430			213,166			190,761
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )	719		2,542		(1,823		)	(1,574		)	12,861		14,369			25,656			23,833
Fidelity VIP Mid Cap (Pinnacle Plus )	353		1,938		(1,585		)	(18,080		)	5,756		19,334			7,010			5,425
Fidelity VIP Mid Cap (Pinnacle V )	5,849		28,330		(22,481		)	(8,738		)	113,296		108,733			213,291			190,810
Fidelity VIP Overseas (AdvantEdge )	4,639		6,398		(1,759		)	6,920			645		(35,910		)	(28,345		)	(30,104		)
Fidelity VIP Overseas (AnnuiChoice II )	2,964		3,042		(78		)	2,177			412		(20,338		)	(17,749		)	(17,827		)
Fidelity VIP Overseas (AnnuiChoice )	4,079		3,263		816			4,356			567		(26,528		)	(21,605		)	(20,789		)
Fidelity VIP Overseas (GrandMaster flex3 )	1,797		2,538		(741		)	5,748			250		(16,792		)	(10,794		)	(11,535		)
Fidelity VIP Overseas (GrandMaster )	4,205		4,310		(105		)	9,329			585		(38,159		)	(28,245		)	(28,350		)
Fidelity VIP Overseas (IQ Advisor Standard )	40		23		17			254			6		(707		)	(447		)	(430		)
Fidelity VIP Overseas (IQ3 )	2,733		3,470		(737		)	(35,132		)	380		(9,238		)	(43,990		)	(44,727		)
Fidelity VIP Overseas (Pinnacle )	3,813		4,191		(378		)	4,325			531		(26,080		)	(21,224		)	(21,602		)
Fidelity VIP Overseas (Pinnacle IV )	3,681		4,386		(705		)	2,345			512		(24,025		)	(21,168		)	(21,873		)
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	1,246		1,078		168			(6,749		)	173		(4,371		)	(10,947		)	(10,779		)
Fidelity VIP Overseas (Pinnacle Plus )	860		1,942		(1,082		)	(4,738		)	120		221			(4,397		)	(5,479		)
Fidelity VIP Overseas (Pinnacle V )	11,260		13,835		(2,575		)	4,445			1,567		(62,965		)	(56,953		)	(59,528		)
Fidelity VIP Target Volatility (AdvantEdge )	2,773		2,180		593			(284		)	1,091		2,824			3,631			4,224
Fidelity VIP Target Volatility (AnnuiChoice II )	7,297		7,441		(144		)	(922		)	4,134		21,254			24,466			24,322
Fidelity VIP Target Volatility (GrandMaster )	718		827		(109		)	(176		)	400		2,063			2,287			2,178
Fidelity VIP Target Volatility (Pinnacle IV )	216		274		(58		)	(37		)	122		630			715			657
Fidelity VIP Target Volatility (Pinnacle V )	20,950		19,160		1,790			(2,885		)	8,440		39,733			45,288			47,078

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments		Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )	$	—	$	1,744	$	(1,744	)	$	1,283		$	—	$	17,425		$	18,708	$	16,964
Columbia VIT Mid Cap Value (AnnuiChoice II )	—		1,035		(1,035		)	425			—		11,919			12,344		11,309
Columbia VIT Mid Cap Value (Annuichoice )	—		2,130		(2,130		)	8,665			—		21,448			30,113		27,983
Columbia VIT Mid Cap Value (Grandmaster flex3 )	—		2,984		(2,984		)	14,186			—		7,685			21,871		18,887
Columbia VIT Mid Cap Value (Grandmaster )	—		1,489		(1,489		)	1,324			—		13,185			14,509		13,020
Columbia VIT Mid Cap Value (Pinnacle )	—		1,945		(1,945		)	4,101			—		14,442			18,543		16,598
Columbia VIT Mid Cap Value (Pinnacle IV )	—		2,432		(2,432		)	902			—		19,730			20,632		18,200
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )	—		122		(122		)	55			—		1,656			1,711		1,589
Columbia VIT Mid Cap Value (Pinnacle Plus )	—		853		(853		)	(4,061		)	—		6,903			2,842		1,989
Columbia VIT Mid Cap Value (Pinnacle V )	—		7,858		(7,858		)	25,372			—		40,682			66,054		58,196
Franklin Growth and Income VIP Fund (Pinnacle )	57,307		27,304		30,003			63,097			153,491		(54,912		)	161,676		191,679
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	206		81		125			21			553		62			636		761
Franklin Income VIP Fund (Pinnacle )	264,110		70,470		193,640			57,238			—		372,722			429,960		623,600
Franklin Income VIP Fund (Pinnacle II Reduced M&E )	12,557		2,676		9,881			(729		)	—		21,372			20,643		30,524
JP Morgan IT Mid Cap Value (AnnuiChoice )	1,007		1,024		(17		)	30,561			6,028		(25,269		)	11,320		11,303
JP Morgan IT Mid Cap Value (Grandmaster )	711		972		(261		)	27,235			4,260		(22,979		)	8,516		8,255
JP Morgan IT Mid Cap Value (GrandMaster flex3 )	1,124		1,986		(862		)	15,145			6,728		(5,985		)	15,888		15,026
JP Morgan IT Mid Cap Value (IQ3 )	555		977		(422		)	7,850			3,320		(2,305		)	8,865		8,443
JP Morgan IT Mid Cap Value (Pinnacle )	711		1,123		(412		)	740			4,258		5,787			10,785		10,373
JP Morgan IT Mid Cap Value (Pinnacle IV )	2,241		3,821		(1,580		)	11,345			13,409		9,148			33,902		32,322
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )	345		457		(112		)	(109		)	2,062		3,137			5,090		4,978
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	2,022		370		1,652			865			—		1,003			1,868		3,520
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	87		18		69			3			—		64			67		136
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )	1,944		548		1,396			124			—		1,376			1,500		2,896
Morgan Stanley UIF Emerging Markets Debt (IQ3 )	4,330		1,142		3,188			(34		)	—		3,374			3,340		6,528
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )	20,607		4,839		15,768			(19,904		)	—		35,700			15,796		31,564
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )	2,048		346		1,702			(181		)	—		2,614			2,433		4,135
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	2,987		790		2,197			80			—		2,291			2,371		4,568
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	2,804		2,107		697			7,280			—		4,139			11,419		12,116
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	184		161		23			225			—		483			708		731
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )	1,686		1,990		(304		)	2,021			—		4,659			6,680		6,376
Morgan Stanley UIF U.S. Real Estate (IQ3 )	5,838		6,397		(559		)	23,037			—		239			23,276		22,717
Morgan Stanley UIF U.S. Real Estate (Pinnacle )	15,044		14,612		432			197,686			—		(144,947		)	52,739		53,171
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	8,925		9,726		(801		)	103,317			—		(72,684		)	30,633		29,832
Non-Affiliated Class 2:					—
American Funds Managed Risk Asset Allocation (AdvantEdge )	3,316		4,194		(878		)	92			7,118		8,800			16,010		15,132
American Funds Managed Risk Asset Allocation (AnnuiChoice )	176		117		59			(16		)	410		366			760		819
American Funds Managed Risk Asset Allocation (AnnuiChoice II )	4,941		4,279		662			(1,084		)	11,626		11,145			21,687		22,349
American Funds Managed Risk Asset Allocation (GrandMaster )	63		219		(156		)	34			—		736			770		614
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )	300		367		(67		)	(40		)	651		810			1,421		1,354
					—

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 2 (continued):
American Funds Managed Risk Asset Allocation (Pinnacle IV )	$	1,667	$	1,857	$	(190	)	$	(359	)	$	3,850	$	4,621		$	8,112		$	7,922
American Funds Managed Risk Asset Allocation (Pinnacle V )	29,758		34,932		(5,174		)	(7,089		)	65,645		75,715			134,271			129,097
Columbia VIT Small Cap Value (AdvantEdge )	755		3,190		(2,435		)	17,382			19,213		16,643			53,238			50,803
Columbia VIT Small Cap Value (AnnuiChoice II )	2,141		5,897		(3,756		)	(3,802		)	54,477		110,761			161,436			157,680
Columbia VIT Small Cap Value (AnnuiChoice )	506		1,281		(775		)	1,391			12,890		22,907			37,188			36,413
Columbia VIT Small Cap Value (Grandmaster flex3 )	151		522		(371		)	(110		)	3,839		8,094			11,823			11,452
Columbia VIT Small Cap Value (Grandmaster )	117		399		(282		)	189			2,984		5,661			8,834			8,552
Columbia VIT Small Cap Value (Pinnacle Plus )	372		1,274		(902		)	5,733			9,453		5,021			20,207			19,305
Columbia VIT Small Cap Value (Pinnacle )	63		321		(258		)	180			1,589		7,405			9,174			8,916
Columbia VIT Small Cap Value (Pinnacle IV )	91		350		(259		)	368			2,329		4,596			7,293			7,034
Columbia VIT Small Cap Value (Pinnacle V )	7,055		27,673		(20,618		)	22,484			179,490		334,102			536,076			515,458
Franklin Growth and Income VIP Fund (AdvantEdge )	3,037		1,955		1,082			(2,695		)	8,954		6,436			12,695			13,777
Franklin Growth and Income VIP Fund (AnnuiChoice )	25,821		9,709		16,112			121,032			76,126		(125,523		)	71,635			87,747
Franklin Growth and Income VIP Fund (AnnuiChoice II )	9,875		3,616		6,259			21,920			29,116		(28,456		)	22,580			28,839
Franklin Growth and Income VIP Fund (Grandmaster )	13,345		6,574		6,771			17,182			39,342		(14,701		)	41,823			48,594
Franklin Growth and Income VIP Fund (GrandMaster flex3 )	9,141		6,019		3,122			95,082			26,948		(106,802		)	15,228			18,350
Franklin Growth and Income VIP Fund (IQ Annuity )	35,404		19,829		15,575			102,596			104,381		(91,414		)	115,563			131,138
Franklin Growth and Income VIP Fund (Pinnacle )	19,604		10,107		9,497			23,123			57,801		(17,555		)	63,369			72,866
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	1		—		1			—			3		—			3			4
Franklin Growth and Income VIP Fund (Pinnacle IV )	29,053		15,823		13,230			69,452			85,656		(64,068		)	91,040			104,270
Franklin Growth and Income VIP Fund (Pinnacle Plus )	7,393		4,885		2,508			12,697			21,794		(10,394		)	24,097			26,605
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )	6,421		2,605		3,816			3,044			18,932		(1,387		)	20,589			24,405
Franklin Growth and Income VIP Fund (Pinnacle V )	34,651		21,765		12,886			28,891			102,160		(6,981		)	124,070			136,956
Franklin Income VIP Fund (AdvantEdge )	14,336		4,586		9,750			(1,253		)	—		25,700			24,447			34,197
Franklin Income VIP Fund (AnnuiChoice )	54,826		11,133		43,693			10,162			—		80,209			90,371			134,064
Franklin Income VIP Fund (AnnuiChoice II )	365,767		86,045		279,722			(5,898		)	—		631,923			626,025			905,747
Franklin Income VIP Fund (Grandmaster )	44,320		12,484		31,836			6,919			—		69,544			76,463			108,299
Franklin Income VIP Fund (GrandMaster flex3 )	104,183		32,273		71,910			10,796			—		159,767			170,563			242,473
Franklin Income VIP Fund (IQ Advisor Standard )	165		20		145			(1		)	—		280			279			424
Franklin Income VIP Fund (IQ Annuity )	61,644		17,618		44,026			(2,161		)	—		94,023			91,862			135,888
Franklin Income VIP Fund (Pinnacle IV )	103,766		30,753		73,013			6,812			—		165,624			172,436			245,449
Franklin Income VIP Fund (Pinnacle Plus )	23,482		7,221		16,261			(18,486		)	—		59,742			41,256			57,517
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )	18,068		4,682		13,386			(18,796		)	—		54,229			35,433			48,819
Franklin Income VIP Fund (Pinnacle V )	216,663		68,410		148,253			(109,530		)	—		481,916			372,386			520,639
Franklin Large Cap Growth VIP Fund (AdvantEdge )	—		13,219		(13,219		)	48,444			13,270		(97,009		)	(35,295		)	(48,514		)
Franklin Large Cap Growth VIP Fund (AnnuiChoice )	—		691		(691		)	(16,388		)	894		11,945			(3,549		)	(4,240		)
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )	—		4,962		(4,962		)	52,218			5,194		(75,847		)	(18,435		)	(23,397		)
Franklin Large Cap Growth VIP Fund (Grandmaster )	—		641		(641		)	(4,293		)	1,276		2,724			(293		)	(934		)
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )	—		1,733		(1,733		)	9,328			1,665		(14,334		)	(3,341		)	(5,074		)
Franklin Large Cap Growth VIP Fund (IQ Advisor Standard )	—		19		(19		)	4,077			—		(5,773		)	(1,696		)	(1,715		)
Franklin Large Cap Growth VIP Fund (IQ Annuity )	—		2,652		(2,652		)	2,588			2,885		(9,126		)	(3,653		)	(6,305		)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment								Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges			Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 2 (continued):
Franklin Large Cap Growth VIP Fund (Pinnacle )	$	—	$	1,104		$	(1,104	)	$	(1,230	)	$	1,354	$	(1,849	)	$	(1,725	)	$	(2,829	)
Franklin Large Cap Growth VIP Fund (Pinnacle IV )	—		4,780			(4,780		)	(41,370		)	5,765		29,591			(6,014		)	(10,794		)
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )	—		4,308			(4,308		)	(44,642		)	4,096		24,524			(16,022		)	(20,330		)
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )	—		1,134			(1,134		)	(6,248		)	1,322		3,667			(1,259		)	(2,393		)
Franklin Large Cap Growth VIP Fund (Pinnacle V )	—		24,439			(24,439		)	34,130			24,191		(71,254		)	(12,933		)	(37,372		)
Franklin Mutual Shares VIP Fund (AdvantEdge )	30,530		24,877			5,653			76,852			125,773		(10,509		)	192,116			197,769
Franklin Mutual Shares VIP Fund (AnnuiChoice )	8,374		4,217			4,157			13,912			34,498		6,800			55,210			59,367
Franklin Mutual Shares VIP Fund (AnnuiChoice II )	56,818		30,169			26,649			93,270			234,063		40,886			368,219			394,868
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )	16,407		12,949			3,458			25,792			67,585		16,013			109,390			112,848
Franklin Mutual Shares VIP Fund (IQ Annuity )	9,247		6,780			2,467			15,621			38,090		4,237			57,948			60,415
Franklin Mutual Shares VIP Fund (Pinnacle )	11,538		9,161			2,377			50,856			47,530		(9,757		)	88,629			91,006
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )	155		86			69			161			634		205			1,000			1,069
Franklin Mutual Shares VIP Fund (Pinnacle IV )	21,855		16,098			5,757			22,239			90,032		29,360			141,631			147,388
Franklin Mutual Shares VIP Fund (Pinnacle Plus )	5,419		4,971			448			36,923			22,326		(23,011		)	36,238			36,686
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )	5,751		3,076			2,675			(21,088		)	23,692		33,413			36,017			38,692
Franklin Mutual Shares VIP Fund (Pinnacle V )	196,861		146,737			50,124			(21,499		)	810,977		524,286			1,313,764			1,363,888
Franklin Mutual Shares VIP Fund(Grandmaster )	9,909		7,050			2,859			40,021			40,824		(17,272		)	63,573			66,432
Franklin Small Cap Value VIP Fund (AdvantEdge )	828		1,845			(1,017		)	(2,871		)	15,218		21,240			33,587			32,570
Franklin Small Cap Value VIP Fund (Annuichoice )	429		550			(121		)	(828		)	7,866		7,116			14,154			14,033
Franklin Small Cap Value VIP Fund (Annuichoice II )	1,953		2,752			(799		)	4,285			35,893		22,528			62,706			61,907
Franklin Small Cap Value VIP Fund (Grandmaster )	104		641			(537		)	(2,767		)	1,918		14,621			13,772			13,235
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )	534		785			(251		)	(112		)	9,814		6,377			16,079			15,828
Franklin Small Cap Value VIP Fund (IQ Annuuity )	184		427			(243		)	(3,769		)	3,384		8,252			7,867			7,624
Franklin Small Cap Value VIP Fund (Pinnacle Plus )	226		414			(188		)	(118		)	4,154		2,631			6,667			6,479
Franklin Small Cap Value VIP Fund (Pinnacle )	206		589			(383		)	(1,698		)	3,803		7,178			9,283			8,900
Franklin Small Cap Value VIP Fund (Pinnacle IV )	117		237			(120		)	(1,100		)	2,159		3,267			4,326			4,206
Franklin Small Cap Value VIP Fund (Pinnacle V )	8,629		16,529			(7,900		)	(52,944		)	158,584		159,537			265,177			257,277
Invesco VI American Franchise (AdvantEdge )	—		56			(56		)	42			324		(275		)	91			35
Invesco VI American Franchise (AnnuiChoice )	—		65			(65		)	141			597		(611		)	127			62
Invesco VI American Franchise (AnnuiChoice II )	—		983			(983		)	1,358			7,904		(7,542		)	1,720			737
Invesco VI American Franchise (Grandmaster )	—		37			(37		)	77			252		(289		)	40			3
Invesco VI American Franchise (GrandMaster flex3 )	—		186			(186		)	3,416			1,309		(4,313		)	412			226
Invesco VI American Franchise (IQ Advisor Standard )	—		21			(21		)	20			313		(267		)	66			45
Invesco VI American Franchise (IQ Annuity )	—		3,873			(3,873		)	9,791			24,340		(29,727		)	4,404			531
Invesco VI American Franchise (Pinnacle )	—		974			(974		)	(4,663		)	9,312		(4,361		)	288			(686		)
Invesco VI American Franchise (Pinnacle IV )	—		1,959			(1,959		)	(314		)	12,372		(12,157		)	(99		)	(2,058		)
Invesco VI American Franchise (Pinnacle Plus )	—		(48		)	48			380			1,649		(1,782		)	247			295
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )	—		149			(149		)	(8		)	1,201		(821		)	372			223
Invesco VI American Franchise (Pinnacle V )	—		15,568			(15,568		)	29,994			86,528		(95,185		)	21,337			5,769
Invesco VI American Value (AdvantEdge )	142		1,887			(1,745		)	(24,724		)	6,858		27,787			9,921			8,176
Invesco VI American Value (AnnuiChoice )	26		224			(198		)	1,343			1,287		787			3,417			3,219

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 2 (continued):
Invesco VI American Value (AnnuiChoice II )	$	699	$	6,111	$	(5,412	)	$	27,075		$	33,886	$	34,886		$	95,847		$	90,435
Invesco VI American Value (Grandmaster )	61		698		(637		)	(7,070		)	2,953		10,413			6,296			5,659
Invesco VI American Value (Grandmaster flex3 )	14		155		(141		)	(1,774		)	697		1,755			678			537
Invesco VI American Value (IQ Annuity )	70		897		(827		)	1,545			3,399		1,945			6,889			6,062
Invesco VI American Value (Pinnacle )	50		569		(519		)	(1,861		)	2,422		5,171			5,732			5,213
Invesco VI American Value (Pinnacle IV )	90		1,185		(1,095		)	(8,738		)	4,337		15,360			10,959			9,864
Invesco VI American Value (Pinnacle Plus Reduced M&E )	9		110		(101		)	(5,446		)	452		4,407			(587		)	(688		)
Invesco VI American Value (Pinnacle V )	3,220		39,187		(35,967		)	(185,446		)	156,272		460,843			431,669			395,702
Invesco VI Comstock (AdvantEdge )	3,840		4,977		(1,137		)	24,478			23,084		(6,552		)	41,010			39,873
Invesco VI Comstock (AnnuiChoice )	4,085		3,012		1,073			26,086			24,555		(11,487		)	39,154			40,227
Invesco VI Comstock (AnnuiChoice II )	15,646		13,116		2,530			78,651			94,065		14,074			186,790			189,320
Invesco VI Comstock (Grandmaster )	2,448		2,486		(38		)	170			14,714		12,705			27,589			27,551
Invesco VI Comstock (GrandMaster flex3 )	854		996		(142		)	223			5,134		4,237			9,594			9,452
Invesco VI Comstock (IQ Advisor Standard )	45		20		25			(2		)	271		246			515			540
Invesco VI Comstock (IQ Annuity )	4,245		4,971		(726		)	68,576			25,516		(50,731		)	43,361			42,635
Invesco VI Comstock (Pinnacle )	1,567		1,640		(73		)	7,478			9,416		764			17,658			17,585
Invesco VI Comstock (Pinnacle IV )	2,849		3,177		(328		)	6,559			17,128		8,488			32,175			31,847
Invesco VI Comstock (Pinnacle Plus )	—		31		(31		)	2,649			—		(4,708		)	(2,059		)	(2,090		)
Invesco VI Comstock (Pinnacle Plus Reduced M&E )	482		428		54			174			2,898		2,518			5,590			5,644
Invesco VI Comstock (Pinnacle V )	75,104		87,480		(12,376		)	284,959			451,509		160,304			896,772			884,396
Invesco VI International Growth Class II (Advantedge)	3,600		4,355		(755		)	(377		)	—		(6,345		)	(6,722		)	(7,477		)
Invesco VI International Growth Class II (IQ Advisor Enhanced )	5,592		5,203		389			1,966			—		(7,775		)	(5,809		)	(5,420		)
Invesco VI International Growth Class II (Pinnacle )	572		706		(134		)	632			—		(1,516		)	(884		)	(1,018		)
Invesco VI International Growth Class II (Pinnacle Plus )	1,363		1,502		(139		)	(6,315		)	—		5,277			(1,038		)	(1,177		)
Invesco VI International Growth Class II (Pinnacle V )	22,908		28,183		(5,275		)	5,880			—		(34,900		)	(29,020		)	(34,295		)
Invesco VI International Growth II (Annuichoice)	1,768		1,520		248			111			—		(3,014		)	(2,903		)	(2,655		)
Invesco VI International Growth II (Grandmaster )	197		155		42			(106		)	—		(386		)	(492		)	(450		)
Invesco VI International Growth II (Grandmaster flex3 )	58		78		(20		)	(4		)	—		(89		)	(93		)	(113		)
Invesco VI Mid Cap Growth II (Annuichoice II )*	—		1		(1		)	—			—		(13		)	(13		)	(14		)
Invesco VI Mid Cap Growth II (Pinnacle IV )*	—		7		(7		)	—			—		(85		)	(85		)	(92		)
Invesco VI Mid Cap Growth II (Pinnacle V )*	—		229		(229		)	(769		)	1,569		(2,683		)	(1,883		)	(2,112		)
Templeton Foreign VIP Fund (IQ Annuity )	4,887		3,418		1,469			(1,986		)	4,377		9,222			11,613			13,082
Templeton Foreign VIP Fund (Pinnacle )	8,806		6,003		2,803			(7,336		)	7,888		20,974			21,526			24,329
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )	282		100		182			(1,039		)	253		757			(29		)	153
Templeton Foreign VIP Fund (Pinnacle IV )	11,202		8,167		3,035			2,615			10,034		9,538			22,187			25,222
Templeton Foreign VIP Fund (Pinnacle V )	72,091		59,134		12,957			(20,955		)	64,570		203,989			247,604			260,561
Templeton Foreign VIP Fund (AnnuiChoice )	5,628		2,929		2,699			(185		)	5,040		9,047			13,902			16,601
Templeton Foreign VIP Fund (AnnuiChoice II )	19,087		11,270		7,817			(299		)	17,096		46,143			62,940			70,757
Templeton Foriegn VIP Fund (AdvantEdge )	10,821		9,214		1,607			(3,351		)	9,692		18,176			24,517			26,124
Templeton Foriegn VIP Fund (Grandmaster )	5,132		3,822		1,310			(2,904		)	4,596		9,099			10,791			12,101
Templeton Foriegn VIP Fund (GrandMaster flex3 )	4,461		3,795		666			(12,414		)	3,996		20,413			11,995			12,661

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 2 (continued):
Templeton Foriegn VIP Fund (IQ Advisor Standard )	$	1,078	$	346	$	732		$	(4,310	)	$	966	$	5,870		$	2,526		$	3,258
Templeton Foriegn VIP Fund (Pinnacle Plus )	2,042		1,567		475			(2,161		)	1,830		4,333			4,002			4,477
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )	2,589		1,548		1,041			(1,050		)	2,319		6,132			7,401			8,442
Templeton Global Bond VIP Fund (Pinnacle )	—		696		(696		)	(7,927		)	60		7,611			(256		)	(952		)
Templeton Global Bond VIP Fund (Grandmaster )	—		5,364		(5,364		)	(1,103		)	336		11,514			10,747			5,383
Templeton Global Bond VIP Fund (GrandMaster flex3 )	—		1,187		(1,187		)	(1,189		)	67		2,821			1,699			512
Templeton Global Bond VIP Fund (Pinnacle V )	—		13,692		(13,692		)	(22,387		)	831		45,721			24,165			10,473
Templeton Global Bond VIP Fund (Advantedge )	—		431		(431		)	(606		)	26		566			(14		)	(445		)
Templeton Global Bond VIP Fund (Pinnacle IV )	—		49,322		(49,322		)	(44,918		)	2,699		137,891			95,672			46,350
Templeton Global Bond VIP Fund (Annuichoice )	—		1,238		(1,238		)	(2,508		)	100		4,904			2,496			1,258
Templeton Global Bond VIP Fund (AnnuiChoice II )	—		1,032		(1,032		)	(5,408		)	76		7,351			2,019			987
Templeton Growth VIP Fund (AdvantEdge )	2,358		1,842		516			(1,501		)	4,535		5,838			8,872			9,388
Templeton Growth VIP Fund (AnnuiChoice )	4,760		2,309		2,451			1,770			9,153		6,896			17,819			20,270
Templeton Growth VIP Fund (AnnuiChoice II )	3,346		1,765		1,581			10,357			6,436		(6,621		)	10,172			11,753
Templeton Growth VIP Fund (Grandmaster )	4,644		3,096		1,548			(272		)	8,933		8,320			16,981			18,529
Templeton Growth VIP Fund (GrandMaster flex3 )	7,177		5,907		1,270			35,731			13,803		(22,925		)	26,609			27,879
Templeton Growth VIP Fund (IQ Annuity )	6,723		4,770		1,953			34,276			12,932		(27,267		)	19,941			21,894
Templeton Growth VIP Fund (Pinnacle )	12,064		8,087		3,977			(6,255		)	23,203		25,272			42,220			46,197
Templeton Growth VIP Fund (Pinnacle IV )	8,920		6,404		2,516			(14,714		)	17,156		29,746			32,188			34,704
Templeton Growth VIP Fund (Pinnacle Plus )	3,403		2,501		902			(17,224		)	6,546		17,806			7,128			8,030
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )	2,106		1,409		697			(2,194		)	4,049		9,355			11,210			11,907
Templeton Growth VIP Fund (Pinnacle V )	17,181		13,073		4,108			(17,766		)	33,044		45,440			60,718			64,826
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )	16,624		4,900		11,724			(6,529		)	—		18,903			12,374			24,098
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	4,590		830		3,760			(3,418		)	—		7,135			3,717			7,477
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	6,078		1,260		4,818			(3,400		)	—		8,444			5,044			9,862
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )	8,142		2,248		5,894			(3,008		)	—		6,995			3,987			9,881
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )	3,897		1,022		2,875			(847		)	—		4,528			3,681			6,556
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )	9,519		2,335		7,184			(3,729		)	—		10,354			6,625			13,809
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	9,848		2,505		7,343			(6,303		)	—		16,028			9,725			17,068
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )	2,437		612		1,825			(714		)	—		2,568			1,854			3,679
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )	947		210		737			(1,114		)	—		1,970			856			1,593
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )	40,449		9,825		30,624			(9,264		)	—		23,818			14,554			45,178
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )	1,475		5,476		(4,001		)	(12,443		)	—		32,805			20,362			16,361
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )	672		1,610		(938		)	(1,940		)	—		8,456			6,516			5,578
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )	1,026		2,652		(1,626		)	(6,128		)	—		21,557			15,429			13,803
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )	654		1,949		(1,295		)	(1,554		)	—		11,766			10,212			8,917
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )	633		2,636		(2,003		)	(1,191		)	—		3,269			2,078			75
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )	353		403		(50		)	(552		)	—		6,053			5,501			5,451
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )	762		2,286		(1,524		)	(1,933		)	—		9,473			7,540			6,016
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )	1,259		3,966		(2,707		)	780			—		12,156			12,936			10,229
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )	1,777		5,924		(4,147		)	(11,064		)	—		33,078			22,014			17,867

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )	$	702	$	2,317	$	(1,615	)	$	(4,256	)	$	—	$	17,313		$	13,057		$	11,442
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )	138		517		(379		)	(444		)	—		(2,103		)	(2,547		)	(2,926		)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )	4,852		18,482		(13,630		)	(39,536		)	—		83,514			43,978			30,348
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )	1,628		2,214		(586		)	6,593			—		(1,016		)	5,577			4,991
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )	762		844		(82		)	2,490			—		2,262			4,752			4,670
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )	3,972		5,898		(1,926		)	50,971			—		(31,698		)	19,273			17,347
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	1,997		1,898		99			9,577			—		320			9,897			9,996
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	4,227		4,525		(298		)	29,337			—		(7,641		)	21,696			21,398
Morgan Stanley UIF U.S. Real Estate (Grandmaster )	1,330		2,045		(715		)	11,841			—		(16,439		)	(4,598		)	(5,313		)
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )	1,200		1,782		(582		)	11,419			—		(5,037		)	6,382			5,800
Morgan Stanley UIF U.S. Real Estate (IQ Advisor Standard )	—		6		(6		)	946			—		(907		)	39			33
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )	2,214		2,888		(674		)	16,116			—		(4,488		)	11,628			10,954
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	4,445		6,178		(1,733		)	1,546			—		22,679			24,225			22,492
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )	29,401		42,766		(13,365		)	82,837			—		48,493			131,330			117,965
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)	—		1,866		(1,866		)	(107		)	3,211		(3,339		)	(235		)	(2,101		)
BlackRock Capital Appreciation VI (AnnuiChoice II)	—		7,668		(7,668		)	(2,293		)	18,614		(17,633		)	(1,312		)	(8,980		)
BlackRock Capital Appreciation VI (Annuichoice )	—		515		(515		)	(1,112		)	1,305		(938		)	(745		)	(1,260		)
BlackRock Capital Appreciation VI (Grandmaster flex3 )	—		471		(471		)	(336		)	854		(414		)	104			(367		)
BlackRock Capital Appreciation VI Class III (Grandmaster )	—		1,558		(1,558		)	(22,371		)	868		8,637			(12,866		)	(14,424		)
BlackRock Capital Appreciation VI Class III (Pinnacle )	—		529		(529		)	(122		)	1,078		(1,056		)	(100		)	(629		)
BlackRock Capital Appreciation VI Class III (Pinnacle IV )	—		1,365		(1,365		)	(326		)	2,624		(1,924		)	374			(991		)
BlackRock Capital Appreciation VI Class III (Pinnacle V )	—		55,437		(55,437		)	1,733			107,904		(7,324		)	102,313			46,876
BlackRock Global Allocation VI (Advantedge )	407		2,022		(1,615		)	(37,221		)	—		38,570			1,349			(266		)
BlackRock Global Allocation VI (AnnuiChoice II)	11,064		10,142		922			(2,607		)	—		24,497			21,890			22,812
BlackRock Global Allocation VI (Annuichoice )	1,809		1,551		258			(5,636		)	—		9,016			3,380			3,638
BlackRock Global Allocation VI (Grandmaster flex3 )	1,438		2,617		(1,179		)	(11,824		)	—		17,196			5,372			4,193
BlackRock Global Allocation VI (Grandmaster )	953		939		14			(474		)	—		2,338			1,864			1,878
BlackRock Global Allocation VI Class III (Pinnacle )	541		967		(426		)	(6,685		)	—		8,883			2,198			1,772
BlackRock Global Allocation VI Class III (Pinnacle IV )	4,202		4,920		(718		)	(3,999		)	—		14,164			10,165			9,447
BlackRock Global Allocation VI Class III (Pinnacle II Reduced M&E )	—		36		(36		)	(1,641		)	—		1,557			(84		)	(120		)
BlackRock Global Allocation VI Class III (Pinnacle V )	4,854		5,912		(1,058		)	(3,211		)	—		12,610			9,399			8,341
BlackRock High Yield VI Class III (Annuichoice )*	51		9		42			1			—		122			123			165
BlackRock High Yield VI Class III (Pinnacle V )*	360		39		321			8			—		354			362			683
BlackRock Total Return VI Class III (AnnuiChoice II)*	575		379		196			3			—		(1,203		)	(1,200		)	(1,004		)
BlackRock Total Return VI Class III (Pinnacle )*	357		266		91			(3		)	—		(876		)	(879		)	(788		)
BlackRock Total Return VI Class III (Pinnacle V )*	1,269		1,073		196			(552		)	—		(4,312		)	(4,864		)	(4,668		)
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)	5,759		4,131		1,628			(1,939		)	—		18,972			17,033			18,661
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )	251		242		9			(105		)	—		840			735			744
TOPS Managed Risk Moderate Growth ETF (Annuichoice )	—		2		(2		)	(584		)	—		433			(151		)	(153		)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 3 (continued):
TOPS Managed Risk Moderate Growth ETF (Advantedge )	$	2,489	$	2,913	$	(424	)	$	(614	)	$	—	$	11,306		$	10,692		$	10,268
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )	56,982		40,459		16,523			(109,223		)	—		207,458			98,235			114,758
TOPS Managed Risk Moderate Growth ETF (Grandmaster )	113		46		67			1			—		86			87			154
Non-Affiliated Class 4:
American Funds Bond (Pinnacle V )*	5,387		2,986		2,401			10			10		(17,807		)	(17,787		)	(15,386		)
American Funds Capital Income Builder (Pinnacle )	173		72		101			(7		)	—		(149		)	(156		)	(55		)
American Funds Capital Income Builder (Pinnacle IV )	268		124		144			11			—		(556		)	(545		)	(401		)
American Funds Capital Income Builder (Pinnacle V )	6,187		2,608		3,579			(597		)	—		(3,572		)	(4,169		)	(590		)
American Funds Capital Income Builder (AnnuiChoice )	66		9		57			—			—		43			43			100
American Funds Capital Income Builder (AnnuiChoice II )	1,315		396		919			24			—		(1,589		)	(1,565		)	(646		)
American Funds Global Growth (AdvantEdge )	456		1,443		(987		)	(7,744		)	7,986		(1,638		)	(1,396		)	(2,383		)
American Funds Global Growth (AnnuiChoice )	2,433		3,259		(826		)	(3,915		)	27,690		(24,329		)	(554		)	(1,380		)
American Funds Global Growth (AnnuiChoice II )	987		1,630		(643		)	(4,028		)	11,740		(8,308		)	(596		)	(1,239		)
American Funds Global Growth (GrandMaster )	6,546		12,755		(6,209		)	(10,464		)	80,020		(76,654		)	(7,098		)	(13,307		)
American Funds Global Growth (GrandMaster flex3 )	520		1,841		(1,321		)	(18,386		)	11,674		8,816			2,104			783
American Funds Global Growth (Pinnacle )	142		354		(212		)	(7,112		)	3,066		4,082			36			(176		)
American Funds Global Growth (Pinnacle IV )	16,118		34,260		(18,142		)	(26,427		)	200,225		(182,438		)	(8,640		)	(26,782		)
American Funds Global Growth (Pinnacle V )	44,336		98,507		(54,171		)	(45,425		)	536,724		(506,757		)	(15,458		)	(69,629		)
American Funds Growth (AdvantEdge )	1,024		1,583		(559		)	(2,499		)	5,936		6,805			10,242			9,683
American Funds Growth (AnnuiChoice )	167		255		(88		)	(2,952		)	2,839		3,363			3,250			3,162
American Funds Growth (AnnuiChoice II )	631		1,244		(613		)	(1,962		)	9,559		1,150			8,747			8,134
American Funds Growth (GrandMaster )	144		346		(202		)	(1,286		)	2,430		1,030			2,174			1,972
American Funds Growth (GrandMaster flex3 )	65		167		(102		)	(37		)	994		(27		)	930			828
American Funds Growth (Pinnacle )	175		412		(237		)	(838		)	2,839		409			2,410			2,173
American Funds Growth (Pinnacle IV )	555		1,369		(814		)	(1,267		)	8,398		1,463			8,594			7,780
American Funds Growth (Pinnacle V )	8,616		17,561		(8,945		)	(29,402		)	86,205		59,938			116,741			107,796
American Funds Growth-Income (AdvantEdge )	1,615		2,541		(926		)	(14,915		)	18,863		11,179			15,127			14,201
American Funds Growth-Income (AnnuiChoice )	7,839		5,058		2,781			(7,611		)	53,825		2,565			48,779			51,560
American Funds Growth-Income (AnnuiChoice II )	2,903		2,138		765			(3,649		)	21,857		1,732			19,940			20,705
American Funds Growth-Income (GrandMaster )	15,336		16,376		(1,040		)	(8,948		)	134,670		(10,889		)	114,833			113,793
American Funds Growth-Income (GrandMaster flex3 )	6,540		3,485		3,055			(8,515		)	18,303		13,200			22,988			26,043
American Funds Growth-Income (Pinnacle )	1,506		299		1,207			(258		)	222		2,666			2,630			3,837
American Funds Growth-Income (Pinnacle IV )	40,532		46,188		(5,656		)	(40,362		)	352,785		(11,839		)	300,584			294,928
American Funds Growth-Income (Pinnacle V )	114,137		132,485		(18,348		)	(121,477		)	917,341		26,702			822,566			804,218
American Funds New World (AdvantEdge )	136		480		(344		)	(2,493		)	—		4,615			2,122			1,778
American Funds New World (AnnuiChoice )	32		51		(19		)	(16		)	—		235			219			200
American Funds New World (AnnuiChoice II )	355		447		(92		)	(1,851		)	—		4,119			2,268			2,176
American Funds New World (GrandMaster )	24		48		(24		)	(2,268		)	—		64			(2,204		)	(2,228		)
American Funds New World (GrandMaster flex3 )	180		447		(267		)	(1,465		)	—		2,531			1,066			799
American Funds New World (Pinnacle )	8		179		(171		)	(2,276		)	—		3,608			1,332			1,161
American Funds New World (Pinnacle IV )	237		549		(312		)	(1,651		)	—		2,899			1,248			936

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Non-Affiliated Class 4 (continued):
American Funds New World (Pinnacle V )	$	1,052	$	1,854	$	(802	)	$	(9,925	)	$	—	$	14,465		$	4,540		$	3,738
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )	4,922		6,105		(1,183		)	24,628			34,176		25,938			84,742			83,559
Deutsche Small Cap Index VIP (Pinnacle IV )	259		352		(93		)	268			1,801		2,543			4,612			4,519
Non-Affiliated Class B:
Deutsche Small Cap Index (AdvantEdge )	—		66		(66		)	4			—		2,274			2,278			2,212
Deutsche Small Cap Index (AnnuiChoice II )	1,061		1,446		(385		)	3,647			9,663		10,935			24,245			23,860
Deutsche Small Cap Index (AnnuiChoice )	827		852		(25		)	2,027			7,521		4,476			14,024			13,999
Deutsche Small Cap Index (GrandMaster flex3 )	424		917		(493		)	(751		)	3,858		8,711			11,818			11,325
Deutsche Small Cap Index (Grandmaster )	890		1,465		(575		)	(2,685		)	8,107		13,870			19,292			18,717
Deutsche Small Cap Index (IQ3 )	770		1,347		(577		)	7,968			7,012		1,175			16,155			15,578
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )	72		102		(30		)	(40		)	657		1,070			1,687			1,657
Deutsche Small Cap Index (Pinnacle Plus )	448		654		(206		)	6,377			4,082		(2,435		)	8,024			7,818
Deutsche Small Cap Index VIP (Pinnacle IV )	1,985		3,461		(1,476		)	1,847			18,072		21,660			41,579			40,103
Deutsche Small Cap Index VIP (Pinnacle V )	2,929		7,866		(4,937		)	14,413			26,665		76,466			117,544			112,607
Advisor Class:
Pimco VIT All Asset (AdvantEdge )	2,195		1,315		880			(5,105		)	—		11,549			6,444			7,324
Pimco VIT All Asset (IQ Annuity )	7,578		4,197		3,381			(7,968		)	—		33,343			25,375			28,756
Pimco VIT All Asset (Pinnacle )	3,956		2,058		1,898			(319		)	—		14,235			13,916			15,814
Pimco VIT All Asset (Pinnacle II Reduced M&E )	129		143		(14		)	(574		)	—		2,701			2,127			2,113
Pimco VIT All Asset (AnnuiChoice II )	3,261		1,519		1,742			(3,707		)	—		15,862			12,155			13,897
Pimco VIT All Asset (AnnuiChoice )	579		266		313			(4,567		)	—		6,747			2,180			2,493
Pimco VIT All Asset (GrandMaster flex3 )	4,779		2,736		2,043			(2,450		)	—		17,232			14,782			16,825
Pimco VIT All Asset (Grandmaster )	3,000		1,697		1,303			(8,159		)	—		20,270			12,111			13,414
Pimco VIT All Asset (Pinnacle IV )	3,681		2,092		1,589			(3,473		)	—		16,887			13,414			15,003
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )	308		140		168			7			—		1,140			1,147			1,315
Pimco VIT All Asset (Pinnacle Plus )	148		17		131			—			—		82			82			213
Pimco VIT All Asset (Pinnacle V )	15,299		9,062		6,237			(6,043		)	—		58,043			52,000			58,237
Pimco VIT Foreign Bond (AnnuiChoice )*	20		5		15			—			9		(45		)	(36		)	(21		)
Pimco VIT Foreign Bond (Pinnacle V )*	77		36		41			—			37		(183		)	(146		)	(105		)
Pimco VIT Commodity Real Return (Pinnacle )	162		218		(56		)	(5,782		)	—		7,788			2,006			1,950
Pimco VIT Commodity Real Return (Pinnacle IV )	563		831		(268		)	(19,032		)	—		26,633			7,601			7,333
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )	30		65		(35		)	(617		)	—		2,245			1,628			1,593
Pimco VIT Commodity Real Return (Pinnacle V )	13,866		21,510		(7,644		)	(308,997		)	—		467,620			158,623			150,979
Pimco VIT Commodity Real Return Strategy (AdvantEdge )	2,931		4,754		(1,823		)	(82,056		)	—		121,315			39,259			37,436
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )	2,531		2,805		(274		)	(35,215		)	—		67,771			32,556			32,282
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )	218		225		(7		)	(22,996		)	—		25,988			2,992			2,985
Pimco VIT Commodity Real Return Strategy (Grandmaster )	298		445		(147		)	(16,565		)	—		22,474			5,909			5,762
Pimco VIT Commodity Real Return Strategy (IQ Annuity )	761		1,063		(302		)	(6,894		)	—		16,051			9,157			8,855
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )	575		794		(219		)	(20,216		)	—		28,194			7,978			7,759
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )	40		39		1			(876		)	—		1,238			362			363

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Advisor Class (continued):
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )	$	111	$	197	$	(86	)	$	(3,000	)	$	—	$	4,444		$	1,444		$	1,358
Pimco VIT Long Term Government (IQ Annuity )	109		93		16			58			—		(1,603		)	(1,545		)	(1,529		)
Pimco VIT Long Term Government (Pinnacle )	1,061		925		136			5,032			—		(2,467		)	2,565			2,701
Pimco VIT Long Term Government (Pinnacle V )	753		592		161			74			—		(7,561		)	(7,487		)	(7,326		)
Pimco VIT Long Term Government (AdvantEdge )	786		686		100			(2,235		)	—		31			(2,204		)	(2,104		)
Pimco VIT Long Term Government (Pinnacle IV )	7,894		6,812		1,082			(31,940		)	—		(33,577		)	(65,517		)	(64,435		)
Pimco VIT Long Term Government (Annuichoice )	648		351		297			3,856			—		(3,103		)	753			1,050
Pimco VIT Long Term Government (AnnuiChoice II )	738		455		283			462			—		(2,499		)	(2,037		)	(1,754		)
Pimco VIT Low Duration (AnnuiChoice II )	19,508		16,406		3,102			(43,103		)	—		38,247			(4,856		)	(1,754		)
Pimco VIT Low Duration (AnnuiChoice )	1,360		984		376			(2,294		)	—		2,350			56			432
Pimco VIT Low Duration (GrandMaster flex3 )	33,017		39,305		(6,288		)	(168,611		)	—		98,788			(69,823		)	(76,111		)
Pimco VIT Low Duration (Grandmaster )	6,859		6,932		(73		)	(14,664		)	—		11,694			(2,970		)	(3,043		)
Pimco VIT Low Duration (IQ Annuity )	5,331		5,944		(613		)	(27,132		)	—		21,262			(5,870		)	(6,483		)
Pimco VIT Low Duration (Pinnacle )	13,769		14,175		(406		)	(75,607		)	—		43,567			(32,040		)	(32,446		)
Pimco VIT Low Duration (Pinnacle IV )	3,240		3,481		(241		)	(5,149		)	—		3,392			(1,757		)	(1,998		)
Pimco VIT Low Duration (Pinnacle II Reduced M&E )	617		611		6			(4,795		)	—		3,847			(948		)	(942		)
Pimco VIT Low Duration (AdvantEdge )	1,018		1,177		(159		)	(48		)	—		(24		)	(72		)	(231		)
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )	414		356		58			(437		)	—		334			(103		)	(45		)
Pimco VIT Low Duration (Pinnacle Plus )	516		614		(98		)	(514		)	—		498			(16		)	(114		)
Pimco VIT Low Duration (Pinnacle V )	31,448		35,062		(3,614		)	(25,311		)	—		17,394			(7,917		)	(11,531		)
Pimco VIT Real Return (Pinnacle IV )	2,565		1,716		849			(5,853		)	—		9,485			3,632			4,481
Pimco VIT Real Return (AdvantEdge )	628		479		149			(5,138		)	—		6,066			928			1,077
Pimco VIT Real Return (AnnuiChoice II )	5,759		3,043		2,716			(2,928		)	—		10,413			7,485			10,201
Pimco VIT Real Return (AnnuiChoice )	2,587		1,202		1,385			(2,752		)	—		6,037			3,285			4,670
Pimco VIT Real Return (GrandMaster flex3 )	938		668		270			(1,245		)	—		2,564			1,319			1,589
Pimco VIT Real Return (Grandmaster )	1,656		1,036		620			(282		)	—		2,371			2,089			2,709
Pimco VIT Real Return (IQ Annuity )	2,614		1,736		878			(403		)	—		3,621			3,218			4,096
Pimco VIT Real Return (Pinnacle )	409		256		153			(51		)	—		580			529			682
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )	628		334		294			(38		)	—		834			796			1,090
Pimco VIT Real Return (Pinnacle Plus )	1,025		570		455			(99		)	—		(492		)	(591		)	(136		)
Pimco VIT Real Return (Pinnacle V )	8,559		6,079		2,480			(7,994		)	—		17,949			9,955			12,435
Pimco VIT Total Return (Pinnacle V )	491,760		387,833		103,927			(117,543		)	—		217,828			100,285			204,212
Pimco VIT Total Return (AdvantEdge )	108,550		88,048		20,502			(77,358		)	—		125,644			48,286			68,788
Pimco VIT Total Return (AnnuiChoice II )	84,508		49,098		35,410			(29,471		)	—		42,334			12,863			48,273
Pimco VIT Total Return (AnnuiChoice )	11,140		5,641		5,499			(3,218		)	—		7,372			4,154			9,653
Pimco VIT Total Return (GrandMaster flex3 )	8,187		6,445		1,742			(5,819		)	—		8,312			2,493			4,235
Pimco VIT Total Return (Grandmaster )	10,050		6,885		3,165			(4,156		)	—		7,494			3,338			6,503
Pimco VIT Total Return (IQ Annuity )	16,883		12,416		4,467			(7,966		)	—		13,409			5,443			9,910
Pimco VIT Total Return (Pinnacle )	18,497		12,633		5,864			(7,837		)	—		16,135			8,298			14,162
Pimco VIT Total Return (Pinnacle IV )	11,685		8,566		3,119			(8,700		)	—		13,651			4,951			8,070

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
Advisor Class (continued):
Pimco VIT Total Return (Pinnacle II Reduced M&E )	$	64	$	37	$	27		$	(887	)	$	—	$	998		$	111		$	138
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )	1,601		930		671			(1,156		)	—		1,989			833			1,504
Pimco VIT Total Return (Pinnacle Plus )	8,784		7,433		1,351			(13,435		)	—		18,399			4,964			6,315
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )	506		133		373			(2,145		)	—		(126		)	(2,271		)	(1,898		)
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )	241		75		166			(252		)	—		(799		)	(1,051		)	(885		)
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )	12,858		5,361		7,497			(11,461		)	—		(55,271		)	(66,732		)	(59,235		)
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )	7,144		3,049		4,095			(4,076		)	—		(32,286		)	(36,362		)	(32,267		)
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )	2,658		786		1,872			(1,019		)	—		(12,459		)	(13,478		)	(11,606		)
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )	1,546		592		954			(3,843		)	—		(4,063		)	(7,906		)	(6,952		)
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )	813		315		498			(4,931		)	—		773			(4,158		)	(3,660		)
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )	314		141		173			(34		)	—		(1,624		)	(1,658		)	(1,485		)
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )	72		1,208		(1,136		)	4,202			—		(4,838		)	(636		)	(1,772		)
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )	137		1,598		(1,461		)	1,272			—		(2,125		)	(853		)	(2,314		)
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )	12		130		(118		)	155			—		(239		)	(84		)	(202		)
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )	6		90		(84		)	87			—		(148		)	(61		)	(145		)
Guggenheim VT Multi-Hedge Strategies (Grandmaster )	51		545		(494		)	4,935			—		(5,149		)	(214		)	(708		)
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )	26		416		(390		)	2,494			—		(2,727		)	(233		)	(623		)
Guggenheim VT Multi-Hedge Strategies (Pinnacle )	—		6		(6		)	2			—		(2		)	—			(6		)
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )	47		696		(649		)	426			—		(719		)	(293		)	(942		)
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )	—		31		(31		)	2			—		3			5			(26		)
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )	24		384		(360		)	478			—		(636		)	(158		)	(518		)
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )	158		2,558		(2,400		)	3,150			—		(4,249		)	(1,099		)	(3,499		)
Guggenheim VT Long Short Equity (AdvantEdge )	—		272		(272		)	(894		)	—		1,124			230			(42		)
Guggenheim VT Long Short Equity (AnnuiChoice II )	—		754		(754		)	4,289			—		(4,136		)	153			(601		)
Guggenheim VT Long Short Equity (AnnuiChoice )	—		679		(679		)	275			—		178			453			(226		)
Guggenheim VT Long Short Equity (GrandMaster flex3 )	—		135		(135		)	(6		)	—		61			55			(80		)
Guggenheim VT Long Short Equity (Grandmaster )	—		30		(30		)	(12		)	—		19			7			(23		)
Guggenheim VT Long Short Equity (IQ Annuity )	—		514		(514		)	2,549			—		(2,922		)	(373		)	(887		)
Guggenheim VT Long Short Equity (Pinnacle )	—		69		(69		)	(253		)	—		215			(38		)	(107		)
Guggenheim VT Long Short Equity (Pinnacle IV )	—		401		(401		)	2,302			—		(2,293		)	9			(392		)
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )	—		50		(50		)	(21		)	—		37			16			(34		)
Guggenheim VT Long Short Equity (Pinnacle Plus )	—		132		(132		)	15			—		34			49			(83		)
Guggenheim VT Long Short Equity (Pinnacle V )	—		967		(967		)	(954		)	—		996			42			(925		)
ETF Shares:
iShares Core US Aggregate Bond ETF (Varoom ®)	2,663		2,018		645			834			—		(635		)	199			844
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)	12,458		13,833		(1,375		)	8,853			—		(7,890		)	963			(412		)
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)	991		821		170			63			—		(49		)	14			184
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)	19,300		23,021		(3,721		)	8,553			—		(9,157		)	(604		)	(4,325		)
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)	5,943		6,355		(412		)	3,563			—		(1,816		)	1,747			1,335
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)	450		348		102			17			—		126			143			245

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
ETF Shares (continued):
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)	$	20,559	$	23,581	$	(3,022	)	$	2,151		$	—	$	1,534		$	3,685		$	663
iShares TIPS Bond ETF (Varoom)	1,256		1,518		(262		)	2			—		2,646			2,648			2,386
iShares TIPS Bond ETF (Varoom GLWB 2)	591		1,078		(487		)	(735		)	—		2,202			1,467			980
iShares TIPS Bond ETF (Varoom GLWB 3)	58		67		(9		)	(9		)	—		119			110			101
iShares TIPS Bond ETF (Varoom GLWB 5)	1,331		2,497		(1,166		)	(129		)	—		2,566			2,437			1,271
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)	861		277		584			52			—		1,074			1,126			1,710
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)	1,105		537		568			(1,227		)	—		2,943			1,716			2,284
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)	10,850		3,714		7,136			(69		)	—		7,023			6,954			14,090
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)	12,583		6,463		6,120			3,237			—		13,533			16,770			22,890
iShares S&P 500 Growth ETF (Varoom)	2,157		2,593		(436		)	8,344			—		(1,547		)	6,797			6,361
iShares S&P 500 Growth ETF (Varoom GLWB 1)	10,337		15,863		(5,526		)	46,245			—		(10,554		)	35,691			30,165
iShares S&P 500 Growth ETF (Varoom GLWB 2)	545		912		(367		)	1,895			—		45			1,940			1,573
iShares S&P 500 Growth ETF (Varoom GLWB 3)	2,536		3,012		(476		)	2,593			—		3,052			5,645			5,169
iShares S&P 500 Growth ETF (Varoom GLWB 4)	87,297		141,768		(54,471		)	96,928			—		203,625			300,553			246,082
iShares S&P 500 Growth ETF (Varoom GLWB 5)	1,993		3,524		(1,531		)	2,215			—		4,310			6,525			4,994
iShares Core S&P 500 Index ETF (Varoom)	9,861		8,030		1,831			17,590			—		25,686			43,276			45,107
iShares Core S&P 500 Index ETF (Varoom GLWB 1)	176,484		191,405		(14,921		)	756,940			—		943			757,883			742,962
iShares Core S&P 500 Index ETF (Varoom GLWB 2)	15,702		18,457		(2,755		)	51,555			—		16,321			67,876			65,121
iShares Core S&P 500 Index ETF (Varoom GLWB 3)	23,172		19,868		3,304			46,150			—		55,782			101,932			105,236
iShares Core S&P 500 Index ETF (Varoom GLWB 4)	1,150,747		1,322,946		(172,199		)	778,734			—		4,269,171			5,047,905			4,875,706
iShares Core S&P 500 Index ETF (Varoom GLWB 5)	60,134		75,194		(15,060		)	92,526			—		170,472			262,998			247,938
iShares S&P 500 Value ETF (Varoom)	2,171		1,536		635			7,184			—		5,654			12,838			13,473
iShares S&P 500 Value ETF (Varoom GLWB 1)	9,289		9,149		140			49,970			—		2,512			52,482			52,622
iShares S&P 500 Value ETF (Varoom GLWB 2)	933		987		(54		)	1,748			—		3,618			5,366			5,312
iShares S&P 500 Value ETF (Varoom GLWB 3)	5,516		4,022		1,494			1,398			—		28,513			29,911			31,405
iShares S&P 500 Value ETF (Varoom GLWB 4)	51,215		53,407		(2,192		)	70,863			—		221,673			292,536			290,344
iShares S&P 500 Value ETF (Varoom GLWB 5)	3,728		4,312		(584		)	9,483			—		12,848			22,331			21,747
iShares Core S&P MidCap Index ETF (Varoom)	3,711		3,795		(84		)	10,573			—		26,355			36,928			36,844
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)	39,417		54,365		(14,948		)	283,010			—		120,536			403,546			388,598
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)	4,931		7,143		(2,212		)	42,383			—		7,210			49,593			47,381
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)	6,873		7,036		(163		)	7,791			—		56,908			64,699			64,536
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)	263,991		383,645		(119,654		)	466,987			—		2,209,912			2,676,899			2,557,245
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)	11,145		16,537		(5,392		)	31,365			—		80,274			111,639			106,247
iShares Core S&P Small Cap Index ETF (Varoom)	2,002		2,577		(575		)	8,741			—		24,688			33,429			32,854
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)	15,837		27,289		(11,452		)	173,807			—		90,369			264,176			252,724
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)	2,036		3,806		(1,770		)	17,849			—		16,444			34,293			32,523
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)	3,800		4,912		(1,112		)	2,936			—		61,200			64,136			63,024
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)	105,685		193,045		(87,360		)	341,250			—		1,450,589			1,791,839			1,704,479
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)	7,816		14,707		(6,891		)	35,800			—		101,259			137,059			130,168
iShares International Treasury Bond (Varoom)	256		614		(358		)	(242		)	—		(849		)	(1,091		)	(1,449		)
iShares International Treasury Bond (Varoom GLWB 1)	7,121		26,850		(19,729		)	(13,334		)	—		24,928			11,594			(8,135		)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
ETF Shares (continued):
iShares International Treasury Bond (Varoom GLWB 2)	$	112	$	479	$	(367	)	$	(189	)	$	—	$	297		$	108		$	(259	)
iShares International Treasury Bond (Varoom GLWB 3)	278		677		(399		)	780			—		(1,908		)	(1,128		)	(1,527		)
iShares International Treasury Bond (Varoom GLWB 4)	51,272		188,831		(137,559		)	(3,690		)	—		(46,162		)	(49,852		)	(187,411		)
iShares International Treasury Bond (Varoom GLWB 5)	276		1,113		(837		)	(36		)	—		(319		)	(355		)	(1,192		)
Vanguard Dividend Appreciation Index Fund ETF (Varoom)	5,192		4,169		1,023			4,076			—		17,426			21,502			22,525
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)	10,651		12,724		(2,073		)	47,719			—		(2,052		)	45,667			43,594
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)	4,357		3,460		897			2,537			—		7,766			10,303			11,200
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)	26,966		33,986		(7,020		)	47,105			—		65,595			112,700			105,680
Vanguard Emerging Markets Index Fund ETF (Varoom)	541		406		135			(798		)	—		2,854			2,056			2,191
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)	3,036		3,234		(198		)	(4,332		)	—		17,596			13,264			13,066
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)	1,516		1,124		392			(802		)	—		5,748			4,946			5,338
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)	7,719		8,599		(880		)	(4,304		)	—		31,468			27,164			26,284
Vanguard Developed Markets Index Fund ETF (Varoom)	1,440		810		630			653			—		(575		)	78			708
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)	34,181		26,745		7,436			50,599			—		(52,106		)	(1,507		)	5,929
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)	5,021		4,209		812			1,593			—		(1,734		)	(141		)	671
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)	6,035		3,689		2,346			(3,325		)	—		2,861			(464		)	1,882
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)	227,622		188,472		39,150			48,239			—		(32,357		)	15,882			55,032
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)	10,165		9,313		852			2,621			—		(2,748		)	(127		)	725
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)	297		166		131			34			—		138			172			303
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)	623		498		125			212			—		130			342			467
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)	2,714		1,624		1,090			443			—		1,231			1,674			2,764
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)	2,784		2,396		388			1,717			—		(243		)	1,474			1,862
Vanguard Large-Cap Index ETF (Varoom)	1,415		1,191		224			1,494			—		4,718			6,212			6,436
Vanguard Large-Cap Index ETF (Varoom GLWB 2)	6,596		8,129		(1,533		)	25,263			—		4,274			29,537			28,004
Vanguard Large-Cap Index ETF (Varoom GLWB 3)	5,161		4,459		702			2,701			—		17,445			20,146			20,848
Vanguard Large-Cap Index ETF (Varoom GLWB 5)	14,803		19,812		(5,009		)	53,964			—		15,230			69,194			64,185
Vanguard Mega Cap Index ETF (Varoom)	767		600		167			456			—		2,652			3,108			3,275
Vanguard Mega Cap Index ETF (Varoom GLWB 2)	516		589		(73		)	1,045			—		1,063			2,108			2,035
Vanguard Mega Cap Index ETF (Varoom GLWB 3)	605		520		85			602			—		1,875			2,477			2,562
Vanguard Mega Cap Index ETF (Varoom GLWB 5)	1,777		2,247		(470		)	12,078			—		(4,510		)	7,568			7,098
Vanguard REIT Index ETF (Varoom)	2,082		798		1,284			3,261			—		(1,346		)	1,915			3,199
Vanguard REIT Index ETF (Varoom GLWB 2)	4,966		2,774		2,192			12,076			—		(7,077		)	4,999			7,191
Vanguard REIT Index ETF (Varoom GLWB 3)	9,177		3,372		5,805			1,585			—		(9,295		)	(7,710		)	(1,905		)
Vanguard REIT Index ETF (Varoom GLWB 5)	13,295		7,662		5,633			20,870			—		(8,435		)	12,435			18,068
Vanguard Total Bond Market Index ETF (Varoom)	6,788		4,952		1,836			1,635			137		(4,550		)	(2,778		)	(942		)
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)	188,828		187,622		1,206			145,987			3,284		(132,112		)	17,159			18,365
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)	17,072		18,434		(1,362		)	11,174			304		(9,945		)	1,533			171
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)	22,216		17,547		4,669			9,288			455		(18,084		)	(8,341		)	(3,672		)
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)	1,231,664		1,322,472		(90,808		)	93,184			24,246		(300,174		)	(182,744		)	(273,552		)
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)	66,036		76,112		(10,076		)	9,821			1,246		(15,916		)	(4,849		)	(14,925		)
Vanguard VI Money Market (Varoom GLWB 2)	14		78		(64		)	(34		)	—		34			—			(64		)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Operations (continued)

Year Ended December 31, 2016



	Investment							Realized and unrealized gain (loss) on investments
	Income		Expenses
Subaccount	Reinvested dividends		Mortality and expense risk and administrative charges		Net investment income (loss)			Realized gain (loss) on sales of investments			Realized gain distributions		Change in net unrealized appreciation (depreciation) during the period			Net realized and unrealized gain (loss) on investments			Net increase (decrease) in net assets resulting from operations
ETF Shares (continued):
Vanguard VI Money Market (Varoom GLWB 3)	$	403	$	1,657	$	(1,254	)	$	(741	)	$	—	$	741		$	—		$	(1,254	)
Vanguard VI Money Market (Varoom GLWB 5)	517		3,086		(2,569		)	(885		)	—		885			—			(2,569		)
Vanguard Short Term Bond ETF (Varoom GLWB 2)	102		748		(646		)	203			—		290			493			(153		)
Vanguard Short Term Bond ETF (Varoom GLWB 3)	798		1,056		(258		)	128			9		(189		)	(52		)	(310		)
Vanguard Short Term Bond ETF (Varoom GLWB 5)	5,522		10,507		(4,985		)	2,923			58		(2,115		)	866			(4,119		)


See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)	$	(272	)	$	2,573		$	9,055		$	11,356		$	15,210	$	(33,112	)	$	(2,719	)	$	(1,227	)	$	(21,848	)	$	(10,492	)	$	188,582	$	178,090	137	(1,680	)	(1,543	)
Touchstone Aggressive ETF (AnnuiChoice ®)	3,157			11,810			23,100			38,067			—		(40,168		)	3,874			(410		)	(36,704		)	1,363			598,809		600,172		288	(2,525	)	(2,237	)
Touchstone Aggressive ETF (AnnuiChoice II )	1,903			28,281			9,159			39,343			590		(58,488		)	(8,450		)	(3,825		)	(70,173		)	(30,830		)	624,367		593,537		462	(3,901	)	(3,439	)
Touchstone Aggressive ETF (GrandMaster flex3 )	(12,434		)	156,523			(94,755		)	49,334			84,687		(917,512		)	54,517			(264		)	(778,572		)	(729,238		)	1,352,090		622,852		484	(49,407	)	(48,923	)
Touchstone Aggressive ETF (Grandmaster )	254			980			6,631			7,865			900		(1,683		)	696			(20		)	(107		)	7,758			121,298		129,056		97	(105	)	(8	)
Touchstone Aggressive ETF (IQ Advisor Standard)	2,555			783			15,488			18,826			—		—			(104		)	—			(104		)	18,722			257,668		276,390		1	(6	)	(5	)
Touchstone Aggressive ETF (IQ Annuity )	3,548			271,559			82,846			357,953			15,674		(540,150		)	(10		)	(537		)	(525,023		)	(167,070		)	6,037,955		5,870,885		913	(33,739	)	(32,826	)
Touchstone Aggressive ETF (Pinnacle )	879			2,530			24,264			27,673			—		(2,548		)	(30		)	(183		)	(2,761		)	24,912			427,067		451,979		—	(167	)	(167	)
Touchstone Aggressive ETF (Pinnacle IV )	(661		)	23,064			2,035			24,438			10,846		(242,050		)	128,518			(390		)	(103,076		)	(78,638		)	413,144		334,506		6,275	(12,509	)	(6,234	)
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )	294			(6		)	4,358			4,646			—		(161		)	1,480			(197		)	1,122			5,768			67,765		73,533		102	(24	)	78
Touchstone Aggressive ETF (Pinnacle Plus )	(374		)	1,742			7,700			9,068			—		(14,576		)	(931		)	(259		)	(15,766		)	(6,698		)	155,538		148,840		30	(1,023	)	(993	)
Touchstone Aggressive ETF (Pinnacle V )	(1,666		)	124,039			15,925			138,298			214,265		(291,451		)	(98,176		)	(13,674		)	(189,036		)	(50,738		)	2,221,079		2,170,341		11,888	(21,166	)	(9,278	)
Touchstone Conservative ETF (AdvantEdge )	(266		)	3,152			5,693			8,579			—		(12,253		)	264			(1,183		)	(13,172		)	(4,593		)	225,550		220,957		28	(1,061	)	(1,033	)
Touchstone Conservative ETF (AnnuiChoice II )	2,959			33,995			14,065			51,019			700		(201,913		)	15,502			(5,811		)	(191,522		)	(140,503		)	1,213,517		1,073,014		2,051	(14,917	)	(12,866	)
Touchstone Conservative ETF (AnnuiChoice )	(1,507		)	4,260			8,783			11,536			—		(8,565		)	(2,061		)	(161		)	(10,787		)	749			168,656		169,405		27,927	(28,370	)	(443	)
Touchstone Conservative ETF (GrandMaster flex3 )	(10,345		)	17,842			4,188			11,685			—		(95,562		)	103,915			(375		)	7,978			19,663			75,293		94,956		84,229	(83,081	)	1,148
Touchstone Conservative ETF (Grandmaster )	21			413			2,563			2,997			—		(5,712		)	(1,401		)	(26		)	(7,139		)	(4,142		)	66,451		62,309		603	(1,066	)	(463	)
Touchstone Conservative ETF (IQ Advisor Standard )	1,640			2,075			4,686			8,401			—		—			—			—			—			8,401			169,758		178,159		—	—		—
Touchstone Conservative ETF (IQ Annuity )	(610		)	13,244			15,275			27,909			6,495		(132,667		)	150,451			(488		)	23,791			51,700			760,439		812,139		42,974	(41,556	)	1,418
Touchstone Conservative ETF (Pinnacle )	(2,542		)	850			9,453			7,761			398		(32,117		)	(2,703		)	(72		)	(34,494		)	(26,733		)	141,304		114,571		23,553	(25,740	)	(2,187	)
Touchstone Conservative ETF (Pinnacle IV )	(3,473		)	(18,233		)	40,815			19,109			—		(87,336		)	(200,278		)	(320		)	(287,934		)	(268,825		)	597,954		329,129		19,685	(39,585	)	(19,900	)
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )	97			(44		)	58			111			—		(5,729		)	19,733			(19		)	13,985			14,096			5,580		19,676		1,585	(478	)	1,107
Touchstone Conservative ETF (Pinnacle Plus )	(459		)	797			5,323			5,661			—		(6,179		)	(19,735		)	(45		)	(25,959		)	(20,298		)	150,127		129,829		—	(1,816	)	(1,816	)
Touchstone Conservative ETF Fund (Pinnacle V )	(19,759		)	59,051			197,459			236,751			671,986		(455,293		)	(1,417,839		)	(33,406		)	(1,234,552		)	(997,801		)	6,202,110		5,204,309		58,242	(143,469	)	(85,227	)
Touchstone Active Bond (AdvantEdge )	589			(1,033		)	12,553			12,109			1,107		(66,774		)	(19,086		)	(1,367		)	(86,120		)	(74,011		)	307,627		233,616		2,283	(9,197	)	(6,914	)
Touchstone Active Bond (AnnuiChoice II )	3,981			(4,935		)	18,845			17,891			58,202		(65,926		)	19,047			(2,611		)	8,712			26,603			378,581		405,184		7,388	(6,769	)	619
Touchstone Active Bond (AnnuiChoice )	5,892			(1,663		)	21,373			25,602			1,819		(13,769		)	7,071			(742		)	(5,621		)	19,981			519,490		539,471		864	(1,199	)	(335	)
Touchstone Active Bond (GrandMaster flex3 )	1,286			(1,456		)	14,205			14,035			—		(23,955		)	(18,650		)	(403		)	(43,008		)	(28,973		)	331,082		302,109		113	(3,085	)	(2,972	)
Touchstone Active Bond (Grandmaster )	1,199			(6,685		)	19,853			14,367			—		(110,917		)	5,346			(181		)	(105,752		)	(91,385		)	334,239		242,854		347	(7,891	)	(7,544	)
Touchstone Active Bond (IQ Annuity )	2,315			(4,824		)	27,842			25,333			375		(98,790		)	2,414			(332		)	(96,333		)	(71,000		)	572,203		501,203		637	(6,929	)	(6,292	)
Touchstone Active Bond (Pinnacle )	5,700			2,197			32,474			40,371			6,742		(95,967		)	1,301			(189		)	(88,113		)	(47,742		)	898,952		851,210		93	(6,009	)	(5,916	)
Touchstone Active Bond (Pinnacle IV )	2,676			4,442			29,795			36,913			51,632		(252,381		)	(17,770		)	(463		)	(218,982		)	(182,069		)	808,159		626,090		3,190	(17,956	)	(14,766	)
Touchstone Active Bond (Pinnacle II Reduced M&E )	57			—			204			261			—		—			—			(7		)	(7		)	254			5,413		5,667		—	(1	)	(1	)
Touchstone Active Bond (Pinnacle Plus Reduced M&E )	976			(1,095		)	5,211			5,092			—		(46,352		)	14,488			(293		)	(32,157		)	(27,065		)	127,200		100,135		1,312	(4,285	)	(2,973	)
Touchstone Active Bond (Pinnacle Plus )	350			820			8,767			9,937			—		(90,786		)	(14,180		)	(423		)	(105,389		)	(95,452		)	230,725		135,273		223	(8,072	)	(7,849	)
Touchstone Active Bond (PinnacleV )	57,166			(50,392		)	210,423			217,197			2,045,186		(524,894		)	820,889			(37,648		)	2,303,533			2,520,730			4,907,799		7,428,529		228,503	(50,933	)	177,570
Touchstone GMAB Aggressive ETF (AnnuiChoice II )	(681		)	21,164			(8,127		)	12,356			—		(41,715		)	—			(141		)	(41,856		)	(29,500		)	232,357		202,857		—	(2,159	)	(2,159	)
Touchstone GMAB Aggressive ETF (Pinnacle IV )	(5,175		)	86,142			(45,484		)	35,483			—		(29,398		)	(135,511		)	(412		)	(165,321		)	(129,838		)	649,822		519,984		—	(8,475	)	(8,475	)
Touchstone GMAB Aggressive ETF (Pinnacle V )	(3,579		)	36,163			(4,963		)	27,621			—		(67,383		)	—			(257		)	(67,640		)	(40,019		)	552,968		512,949		—	(3,638	)	(3,638	)
Touchstone GMAB Conservative ETF (AnnuiChoice II )	(540		)	4,176			4,587			8,223			—		(6,976		)	—			(259		)	(7,235		)	988			231,920		232,908		—	(535	)	(535	)
Touchstone GMAB Conservative ETF (Pinnacle IV )	(3,670		)	16,166			6,592			19,088			—		(42,614		)	—			(99		)	(42,713		)	(23,625		)	561,175		537,550		—	(3,054	)	(3,054	)
Touchstone GMAB Conservative ETF (Pinnacle V )	(3,646		)	10,480			10,491			17,325			—		(14,583		)	—			(138		)	(14,721		)	2,604			527,454		530,058		—	(1,069	)	(1,069	)
Touchstone GMAB Moderate ETF (AnnuiChoice II )	(17		)	2,276			(729		)	1,530			—		—			—			(30		)	(30		)	1,500			30,708		32,208		—	(2	)	(2	)
Touchstone GMAB Moderate ETF (Pinnacle IV )	(3,427		)	90,994			(63,742		)	23,825			—		(127,163		)	(48,727		)	(165		)	(176,055		)	(152,230		)	688,064		535,834		—	(10,788	)	(10,788	)
Touchstone GMAB Moderate ETF(Pinnacle V )	(2,215		)	39,925			(14,712		)	22,998			29,920		(2,145		)	—			(207		)	27,568			50,566			498,475		549,041		1,788	(145	)	1,643
Touchstone Large Cap Core Equity (AdvantEdge )	(4,263		)	112,090			(82,894		)	24,933			1,661		(137,152		)	(66,226		)	(1,737		)	(203,454		)	(178,521		)	589,655		411,134		654	(14,857	)	(14,203	)
Touchstone Large Cap Core Equity (AnnuiChoice II )	(1,505		)	96,416			(43,073		)	51,838			123,409		(110,337		)	(2,528		)	(1,912		)	8,632			60,470			591,031		651,501		6,295	(5,370	)	925
Touchstone Large Cap Core Equity (AnnuiChoice )	(571		)	74,772			(50,274		)	23,927			17,226		(80,854		)	(8,072		)	(379		)	(72,079		)	(48,152		)	439,503		391,351		646	(5,122	)	(4,476	)
Touchstone Large Cap Core Equity (GrandMaster flex3 )	(811		)	10,280			(4,500		)	4,969			—		(11,392		)	(28,924		)	(263		)	(40,579		)	(35,610		)	131,483		95,873		120	(2,582	)	(2,462	)
Touchstone Large Cap Core Equity (Grandmaster )	(367		)	9,577			(2,792		)	6,418			—		(5,811		)	11,230			(19		)	5,400			11,818			88,092		99,910		735	(457	)	278
Touchstone Large Cap Core Equity (IQ Advisor Standard )	(6		)	2,634			(2,784		)	(156		)	—		(6,033		)	—			—			(6,033		)	(6,189		)	6,189		—		—	(328	)	(328	)
Touchstone Large Cap Core Equity (IQ Annuity )	(1,923		)	52,451			(28,718		)	21,810			—		(14,864		)	(18,778		)	(316		)	(33,958		)	(12,148		)	329,652		317,504		60	(2,123	)	(2,063	)
Touchstone Large Cap Core Equity (Pinnacle )	(34,599		)	797,175			(413,532		)	349,044			15,014		(951,029		)	(144,093		)	(2,674		)	(1,082,782		)	(733,738		)	5,704,344		4,970,606		446	(58,359	)	(57,913	)
Touchstone Large Cap Core Equity (Pinnacle IV )	(2,252		)	100,601			(49,065		)	49,284			4,866		(147,474		)	385,563			(605		)	242,350			291,634			1,192,940		1,484,574		38,236	(27,794	)	10,442

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Affiliated (continued):
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )	$	(887	)	$	41,610		$	(11,428	)	$	29,295		$	—	$	—		$	—		$	(55	)	$	(55	)	$	29,240		$	383,481	$	412,721	—	(3	)	(3	)
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )	(560		)	38,270			(15,244		)	22,466			1,440		(90,840		)	114,899			(764		)	24,735			47,201			194,962		242,163		7,580	(5,765	)	1,815
Touchstone Large Cap Core Equity (Pinnacle Plus )	(2,177		)	35,144			(26,666		)	6,301			—		(7,781		)	(126,010		)	(27		)	(133,818		)	(127,517		)	207,602		80,085		—	(7,104	)	(7,104	)
Touchstone Large Cap Core Equity (PinnacleV )	(24,851		)	1,005,990			(580,914		)	400,225			300,316		(1,193,530		)	3,587,452			(16,363		)	2,677,875			3,078,100			6,473,360		9,551,460		757,726	(564,509	)	193,217
Touchstone Focused (AdvantEdge )	(7,698		)	71,148			(14,922		)	48,528			554		(63,849		)	(56,790		)	(2,636		)	(122,721		)	(74,193		)	516,200		442,007		2,099	(9,511	)	(7,412	)
Touchstone Focused (AnnuiChoice II )	(29,770		)	647,786			(331,959		)	286,057			134,317		(300,549		)	(241,204		)	(2,126		)	(409,562		)	(123,505		)	2,616,246		2,492,741		2,728	(23,293	)	(20,565	)
Touchstone Focused (AnnuiChoice )	(25,818		)	621,491			(309,494		)	286,179			33,243		(324,736		)	(33,906		)	(3,483		)	(328,882		)	(42,703		)	2,699,822		2,657,119		4,117	(15,794	)	(11,677	)
Touchstone Focused (GrandMaster flex3 )	(14,228		)	140,745			(32,405		)	94,112			—		(26,130		)	(242,330		)	(655		)	(269,115		)	(175,003		)	1,160,508		985,505		9,032	(19,398	)	(10,366	)
Touchstone Focused (Grandmaster )	(23,418		)	64,320			(2,960		)	37,942			51,181		(155,734		)	(209,277		)	(174		)	(314,004		)	(276,062		)	881,314		605,252		1,138	(15,321	)	(14,183	)
Touchstone Focused (IQ Advisor Standard )	(574		)	23,219			(9,114		)	13,531			—		(23,454		)	77,950			—			54,496			68,027			44,789		112,816		2,536	(420	)	2,116
Touchstone Focused (IQ Annuity )	(67,872		)	831,945			(251,970		)	512,103			70,548		(677,168		)	219,663			(2,709		)	(389,666		)	122,437			4,742,536		4,864,973		16,865	(30,744	)	(13,879	)
Touchstone Focused (Pinnacle )	(75,731		)	871,532			(304,856		)	490,945			12,325		(807,692		)	(131,668		)	(1,880		)	(928,915		)	(437,970		)	5,126,716		4,688,746		3,208	(36,940	)	(33,732	)
Touchstone Focused (Pinnacle IV )	(48,559		)	751,172			(344,955		)	357,658			40,540		(556,616		)	(150,821		)	(1,772		)	(668,669		)	(311,011		)	3,561,257		3,250,246		5,291	(29,163	)	(23,872	)
Touchstone Focused (Pinnacle II Reduced M&E )	(6,075		)	108,932			(39,579		)	63,278			—		(995		)	—			(92		)	(1,087		)	62,191			533,423		595,614		—	(36	)	(36	)
Touchstone Focused (Pinnacle Plus Reduced M&E )	(7,894		)	136,410			(46,405		)	82,111			1,575		(168,483		)	161,847			(1,522		)	(6,583		)	75,528			640,611		716,139		11,207	(11,215	)	(8	)
Touchstone Focused (Pinnacle Plus )	(6,576		)	(5,628		)	39,134			26,930			—		(138,002		)	(331,192		)	(190		)	(469,384		)	(442,454		)	635,589		193,135		4,106	(20,992	)	(16,886	)
Touchstone Focused (PinnacleV )	(104,608		)	1,833,036			(1,009,485		)	718,943			503,439		(633,922		)	727,080			(25,490		)	571,107			1,290,050			6,905,231		8,195,281		133,824	(103,839	)	29,985
Touchstone Moderate ETF (AdvantEdge )	(4,155		)	65,648			(36,952		)	24,541			—		(3,422		)	(352,489		)	(4,276		)	(360,187		)	(335,646		)	558,290		222,644		173	(26,248	)	(26,075	)
Touchstone Moderate ETF (AnnuiChoice II )	11,736			192,208			(79,359		)	124,585			9,402		(125,565		)	47,801			(10,185		)	(78,547		)	46,038			2,229,859		2,275,897		4,132	(9,694	)	(5,562	)
Touchstone Moderate ETF (AnnuiChoice )	11,974			156,381			(67,348		)	101,007			27,336		(111,422		)	(12,328		)	(994		)	(97,408		)	3,599			1,800,494		1,804,093		695	(6,586	)	(5,891	)
Touchstone Moderate ETF (GrandMaster flex3 )	(8,200		)	243,188			(182,521		)	52,467			—		(514,149		)	(64,308		)	(553		)	(579,010		)	(526,543		)	1,332,894		806,351		324	(37,678	)	(37,354	)
Touchstone Moderate ETF (Grandmaster )	474			8,662			(2,294		)	6,842			—		(8,000		)	9,612			(29		)	1,583			8,425			127,451		135,876		596	(503	)	93
Touchstone Moderate ETF (IQ Advisor Enhanced )	355			2,669			(757		)	2,267			—		—			—			—			—			2,267			37,813		40,080		—	—		—
Touchstone Moderate ETF (IQ Advisor Standard )	1,527			9,367			(2,633		)	8,261			—		—			—			—			—			8,261			133,020		141,281		—	—		—
Touchstone Moderate ETF (IQ Annuity )	2,591			119,522			(52,849		)	69,264			—		(144,621		)	(1,534		)	(862		)	(147,017		)	(77,753		)	1,458,678		1,380,925		27	(9,633	)	(9,606	)
Touchstone Moderate ETF (Pinnacle )	393			28,258			(12,674		)	15,977			—		(71,194		)	133			(255		)	(71,316		)	(55,339		)	324,915		269,576		4	(4,465	)	(4,461	)
Touchstone Moderate ETF (Pinnacle IV )	2,116			111,420			(57,500		)	56,036			59,115		(156,377		)	(32,187		)	(610		)	(130,059		)	(74,023		)	1,164,187		1,090,164		3,239	(11,647	)	(8,408	)
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )	139			569			(229		)	479			—		(3,036		)	11,704			(19		)	8,649			9,128			5,950		15,078		843	(225	)	618
Touchstone Moderate ETF (Pinnacle Plus )	690			24,154			(12,417		)	12,427			—		(13,345		)	(10,555		)	(240		)	(24,140		)	(11,713		)	246,884		235,171		103	(1,644	)	(1,541	)
Touchstone Moderate ETF (Pinnacle V )	6,717			265,544			(120,577		)	151,684			93,629		(492,801		)	189,335			(15,928		)	(225,765		)	(74,081		)	3,249,692		3,175,611		24,058	(41,693	)	(17,635	)
Non-Affiliated Initial Class:
Fidelity VIP Balanced (Pinnacle )	(688		)	42,953			15,438			57,703			—		(145,650		)	(5,358		)	(544		)	(151,552		)	(93,849		)	1,143,398		1,049,549		1	(10,315	)	(10,314	)
Fidelity VIP Balanced (Pinnacle II Reduced M&E )	18			165			221			404			—		—			—			(5		)	(5		)	399			6,634		7,033		—	—		—
Fidelity VIP Balanced (Grandmaster )	(177		)	44,440			34,191			78,454			—		(68,836		)	(16,948		)	(627		)	(86,411		)	(7,957		)	1,441,784		1,433,827		—	(3,635	)	(3,635	)
Fidelity VIP Overseas (Pinnacle )	—			(2,157		)	(4,228		)	(6,385		)	—		(17,926		)	—			(21		)	(17,947		)	(24,332		)	101,824		77,492		1	(2,010	)	(2,009	)
Fidelity VIP Overseas (Pinnacle IV )	(146		)	(1,528		)	(2,833		)	(4,507		)	—		(4,316		)	(9,032		)	(70		)	(13,418		)	(17,925		)	71,159		53,234		—	(1,515	)	(1,515	)
Fidelity VIP Equity-Income (Grandmaster )	68,541			215,914			951,602			1,236,057			139,972		(996,295		)	(20,554		)	(2,980		)	(879,857		)	356,200			7,871,052		8,227,252		2,520	(13,864	)	(11,344	)
Fidelity VIP Equity-Income (Pinnacle )	14,741			139,382			131,479			285,602			—		(341,984		)	(26,675		)	(806		)	(369,465		)	(83,863		)	1,931,529		1,847,666		149	(16,974	)	(16,825	)
Fidelity VIP Equity-Income (Pinnacle II Reduced M&E )	(122		)	1,019			(339		)	558			—		—			(43,608		)	—			(43,608		)	(43,050		)	43,050		—		—	(2,082	)	(2,082	)
Fidelity VIP Growth (Grandmaster )	(80,221		)	917,747			(892,372		)	(54,846		)	—		(524,707		)	(65,322		)	(2,846		)	(592,875		)	(647,721		)	6,612,867		5,965,146		1	(6,223	)	(6,222	)
Fidelity VIP High Income (Grandmaster )	51,206			(96,550		)	212,408			167,064			62,990		(442,343		)	128,308			(508		)	(251,553		)	(84,489		)	1,408,828		1,324,339		52,785	(62,487	)	(9,702	)
Fidelity VIP II Asset Manager (Grandmaster )	649			201,512			(142,305		)	59,856			—		(494,015		)	(50,497		)	(2,207		)	(546,719		)	(486,863		)	3,943,223		3,456,360		1	(11,060	)	(11,059	)
Fidelity VIP II Contrafund (Grandmaster )	(55,972		)	976,251			(371,523		)	548,756			252,629		(1,497,882		)	(433,808		)	(3,923		)	(1,682,984		)	(1,134,228		)	10,073,772		8,939,544		986	(26,886	)	(25,900	)
Fidelity VIP II Contrafund (Pinnacle )	(29,938		)	1,007,301			(662,094		)	315,269			3,736		(715,043		)	(152,875		)	(2,376		)	(866,558		)	(551,289		)	5,626,262		5,074,973		4,938	(31,937	)	(26,999	)
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )	(98		)	4,750			(2,983		)	1,669			—		(10,375		)	—			(8		)	(10,383		)	(8,714		)	38,106		29,392		—	(328	)	(328	)
Fidelity VIP II Index 500 (Grandmaster )	1,264			254,684			79,202			335,150			—		(450,795		)	(52,374		)	(1,736		)	(504,905		)	(169,755		)	3,552,456		3,382,701		2	(9,608	)	(9,606	)
Fidelity VIP II Index 500 (IQ Annuity )	48			1,739			15,943			17,730			—		(3,675		)	—			(167		)	(3,842		)	13,888			175,920		189,808		—	(225	)	(225	)
Fidelity VIP II Index 500 (Pinnacle )	(185		)	117,466			98,142			215,423			—		(502,569		)	(4,814		)	(1,173		)	(508,556		)	(293,133		)	2,436,953		2,143,820		3	(33,824	)	(33,821	)
Fidelity VIP II Index 500 (Pinnacle IV )	(5		)	2,638			12,860			15,493			—		(7,055		)	—			(58		)	(7,113		)	8,380			154,120		162,500		—	(464	)	(464	)
Fidelity VIP II Index 500 (Pinnacle II Reduced M&E )	(103		)	11,589			(10,970		)	516			—		—			(36,419		)	—			(36,419		)	(35,903		)	35,903		—		—	(2,433	)	(2,433	)
Fidelity VIP II Investment Grade Bond (Pinnacle )	12,709			8,182			24,034			44,925			—		(344,347		)	(17,038		)	(422		)	(361,807		)	(316,882		)	1,425,230		1,108,348		2	(27,287	)	(27,285	)
Fidelity VIP II Investment Grade Bond (Pinnacle IV )	2,804			300			9,245			12,349			—		(63,129		)	—			(184		)	(63,313		)	(50,964		)	388,257		337,293		—	(4,801	)	(4,801	)
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )	555			15			941			1,511			—		—			—			—			—			1,511			42,090		43,601		—	—		—
Fidelity VIP II Investment Grade Bond (AnnuiChoice )	4,564			461			7,105			12,130			—		(9,785		)	—			(583		)	(10,368		)	1,762			332,331		334,093		—	(761	)	(761	)
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )	603			113			1,069			1,785			—		(2,058		)	—			(10		)	(2,068		)	(283		)	50,401		50,118		—	(152	)	(152	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Initial Class (continued):
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )	$	509		$	3,798		$	(100	)	$	4,207		$	—	$	(38,228	)	$	—		$	(361	)	$	(38,589	)	$	(34,382	)	$	131,005	$	96,623	—	(2,938	)	(2,938	)
Fidelity VIP II Investment Grade Bond (Grandmaster )	17,679			7,517			39,464			64,660			—		(130,600		)	—			(492		)	(131,092		)	(66,432		)	1,891,134		1,824,702		—	(3,228	)	(3,228	)
Fidelity VIP II Investment Grade Bond (IQ Annuity )	2,394			1,902			4,510			8,806			—		(11,199		)	—			(164		)	(11,363		)	(2,557		)	273,158		270,601		—	(603	)	(603	)
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )	221			482			301			1,004			—		(12,356		)	3,467			(30		)	(8,919		)	(7,915		)	27,847		19,932		304	(1,092	)	(788	)
Fidelity VIP II Investment Grade Bond (Pinnacle Plus )	(27		)	70			94			137			—		(276		)	(3,467		)	(5		)	(3,748		)	(3,611		)	3,611		—		—	(287	)	(287	)
Fidelity VIP Government Money Market (Pinnacle )	(13,188		)	—			—			(13,188		)	29,529		(854,683		)	654,686			(1,119		)	(171,587		)	(184,775		)	1,237,835		1,053,060		77,585	(94,998	)	(17,413	)
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )	(421		)	—			—			(421		)	—		(80,462		)	80,024			(65		)	(503		)	(924		)	23,969		23,045		8,083	(8,155	)	(72	)
Fidelity VIP Government Money Market (Pinnacle IV )	(21,201		)	—			—			(21,201		)	23,233		(602,452		)	(333,926		)	(537		)	(913,682		)	(934,883		)	2,051,685		1,116,802		70,236	(163,225	)	(92,989	)
Fidelity VIP Government Money Market (Pinnacle V )	(130,453		)	—			—			(130,453		)	3,696,442		(2,769,152		)	(6,477,575		)	(246		)	(5,550,531		)	(5,680,984		)	10,326,670		4,645,686		971,646	(1,539,359	)	(567,713	)
Fidelity VIP Government Money Market (Pinnacle Plus )	(6,722		)	—			—			(6,722		)	200,000		(36,526		)	(640,367		)	(50		)	(476,943		)	(483,665		)	490,999		7,334		122,203	(171,113	)	(48,910	)
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )	(1,409		)	—			—			(1,409		)	—		(371,457		)	581,339			(14		)	209,868			208,459			16,115		224,574		63,334	(42,109	)	21,225
Fidelity VIP Government Money Market (Grandmaster )	(20,816		)	—			—			(20,816		)	1,436		(653,606		)	(28,787		)	(992		)	(681,949		)	(702,765		)	2,176,154		1,473,389		62,858	(132,054	)	(69,196	)
Fidelity VIP Government Money Market (Grandmaster flex3 )	(9,811		)	—			—			(9,811		)	—		(476,483		)	396,418			(341		)	(80,406		)	(90,217		)	751,248		661,031		75,800	(84,004	)	(8,204	)
Fidelity VIP Government Money Market (AdvantEdge )	(12,417		)	—			—			(12,417		)	—		(227,696		)	(733,999		)	(256		)	(961,951		)	(974,368		)	1,518,822		544,454		174,415	(272,140	)	(97,725	)
Fidelity VIP Government Money Market (AnnuiChoice )	(4,563		)	—			—			(4,563		)	300		(271,623		)	159,573			(1,207		)	(112,957		)	(117,520		)	618,526		501,006		35,167	(46,593	)	(11,426	)
Fidelity VIP Government Money Market (AnnuiChoice II )	(8,957		)	—			—			(8,957		)	6,604		(165,786		)	270,378			(522		)	110,674			101,717			814,236		915,953		105,657	(94,523	)	11,134
Fidelity VIP Government Money Market (IQ Annuity )	(3,140		)	—			—			(3,140		)	181,126		(184,841		)	6,869			(212		)	2,942			(198		)	192,081		191,883		32,890	(32,665	)	225
Fidelity VIP Government Money Market (IQ3 )	(26,943		)	—			—			(26,943		)	80		(404,438		)	(464,455		)	(2,434		)	(871,247		)	(898,190		)	2,720,214		1,822,024		159,622	(248,005	)	(88,383	)
Fidelity VIP Government Money Market (IQ Advisor Standard )	(395		)	—			—			(395		)	—		(5,284		)	(182,640		)	—			(187,924		)	(188,319		)	245,752		57,433		—	(18,883	)	(18,883	)
Fidelity VIP Government Money Market (Varoom GLWB 2)*	(31		)	—			—			(31		)	1		—			4,886			—			4,887			4,856			—		4,856		495	(6	)	489
Fidelity VIP Government Money Market (Varoom GLWB 3)*	(656		)	—			—			(656		)	33		—			144,880			—			144,913			144,257			—		144,257		14,493	—		14,493
Fidelity VIP Government Money Market (Varoom GLWB 5)*	(1,234		)	—			—			(1,234		)	40		(830		)	179,117			—			178,327			177,093			—		177,093		17,983	(148	)	17,835
Fidelity VIP Overseas (AnnuiChoice )	404			(2,060		)	(4,189		)	(5,845		)	—		(3,504		)	(1,855		)	(400		)	(5,759		)	(11,604		)	99,507		87,903		—	(611	)	(611	)
Fidelity VIP Overseas (AnnuiChoice II )	62			(557		)	(1,107		)	(1,602		)	—		(1,495		)	—			(44		)	(1,539		)	(3,141		)	26,177		23,036		—	(169	)	(169	)
Fidelity VIP Overseas (Grandmaster flex3 )	(1		)	27			(73		)	(47		)	—		(206		)	—			(4		)	(210		)	(257		)	787		530		1	(24	)	(23	)
Fidelity VIP Overseas (Grandmaster )	1,218			(27,849		)	(87,576		)	(114,207		)	—		(64,241		)	(12,265		)	(893		)	(77,399		)	(191,606		)	1,818,631		1,627,025		1	(2,395	)	(2,394	)
Fidelity VIP Overseas (IQ Annuity )	(17		)	(412		)	(884		)	(1,313		)	—		—			(4,929		)	(12		)	(4,941		)	(6,254		)	23,395		17,141		—	(539	)	(539	)
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	71			18			(1,560		)	(1,471		)	—		—			—			(61		)	(61		)	(1,532		)	23,908		22,376		—	(5	)	(5	)
Fidelity VIP Overseas (Pinnacle Plus )	—			(11		)	(3		)	(14		)	—		(189		)	—			—			(189		)	(203		)	203		—		—	(22	)	(22	)
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )	2,443			14,450			31,268			48,161			672		(16,824		)	—			(94		)	(16,246		)	31,915			306,266		338,181		36	(951	)	(915	)
Fidelity VIP Growth (IQ Annuity )	(3,294		)	30,309			(28,719		)	(1,704		)	—		(13,883		)	—			(192		)	(14,075		)	(15,779		)	236,444		220,665		—	(895	)	(895	)
Fidelity VIP Growth (Pinnacle )	(5,597		)	52,904			(50,232		)	(2,925		)	—		(25,211		)	—			(257		)	(25,468		)	(28,393		)	433,035		404,642		—	(1,623	)	(1,623	)
Fidelity VIP Growth (Pinnacle II Reduced M&E )	(23		)	200			(186		)	(9		)	—		—			—			(6		)	(6		)	(15		)	2,069		2,054		—	(1	)	(1	)
Fidelity VIP High Income (IQ Annuity )	11,381			(7,561		)	22,239			26,059			—		(14,537		)	65,585			(48		)	51,000			77,059			204,793		281,852		27,514	(24,192	)	3,322
Fidelity VIP II Asset Manager (IQ Annuity )	(4		)	634			(410		)	220			—		(183		)	226			(22		)	21			241			13,580		13,821		16	(14	)	2
Fidelity VIP II Contrafund (IQ Annuity )	(7,276		)	215,446			(152,563		)	55,607			1,780		(40,210		)	(167,981		)	(259		)	(206,670		)	(151,063		)	1,099,473		948,410		3,831	(12,610	)	(8,779	)
Fidelity VIP III Balanced (IQ Annuity )	(216		)	3,354			3,526			6,664			—		(1,941		)	—			(74		)	(2,015		)	4,649			120,332		124,981		1	(116	)	(115	)
Fidelity VIP III Mid Cap (Grandmaster )	(7,926		)	88,794			(7,723		)	73,145			—		(231,719		)	(30,439		)	(388		)	(262,546		)	(189,401		)	838,746		649,345		10	(4,868	)	(4,858	)
Fidelity VIP III Mid Cap (IQ Annuity )	(7,906		)	44,281			40,036			76,411			—		(47,168		)	(3,515		)	(204		)	(50,887		)	25,524			764,645		790,169		191	(1,114	)	(923	)
Fidelity VIP III Mid Cap (Pinnacle )	(24,086		)	238,259			(219		)	213,954			—		(587,846		)	(107,425		)	(948		)	(696,219		)	(482,265		)	2,734,913		2,252,648		13	(13,651	)	(13,638	)
Fidelity VIP Overseas (IQ Annuity )	(22		)	(78		)	(1,973		)	(2,073		)	—		(461		)	—			—			(461		)	(2,534		)	31,620		29,086		—	(35	)	(35	)
Non-Affiliated Service Class 2:
Fidelity VIP Asset Manager (IQ3 )	(401		)	11,358			(7,931		)	3,026			—		(13,957		)	2,900			(386		)	(11,443		)	(8,417		)	245,027		236,610		181	(916	)	(735	)
Fidelity VIP Asset Manager (AdvantEdge )	(167		)	2,807			(1,933		)	707			—		(1,076		)	1,662			(390		)	196			903			56,010		56,913		152	(134	)	18
Fidelity VIP Asset Manager (AnnuiChoice II )	160			5,027			(3,383		)	1,804			990		(7,685		)	2,186			(95		)	(4,604		)	(2,800		)	119,404		116,604		378	(691	)	(313	)
Fidelity VIP Asset Manager (AnnuiChoice )	667			9,144			(5,917		)	3,894			—		(1,540		)	320			(193		)	(1,413		)	2,481			215,313		217,794		20	(105	)	(85	)
Fidelity VIP Asset Manager (GrandMaster flex3 )	(410		)	5,702			(3,223		)	2,069			580		(9,169		)	12,060			(52		)	3,419			5,488			165,872		171,360		862	(643	)	219
Fidelity VIP Asset Manager (IQ Advisor Standard )	23			139			(89		)	73			—		—			(24		)	—			(24		)	49			3,315		3,364		—	(2	)	(2	)
Fidelity VIP Asset Manager (Pinnacle )	(12		)	1,158			(746		)	400			10,580		(10,124		)	—			(45		)	411			811			27,630		28,441		28	(2	)	26
Fidelity VIP Asset Manager (Pinnacle IV )	(345		)	7,414			(4,140		)	2,929			—		(17,293		)	8,242			(60		)	(9,111		)	(6,182		)	254,680		248,498		555	(1,162	)	(607	)
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )	(5		)	1,293			(101		)	1,187			—		(11,456		)	1,728			(149		)	(9,877		)	(8,690		)	62,686		53,996		140	(883	)	(743	)
Fidelity VIP Asset Manager (Pinnacle Plus )	(30		)	11			29			10			—		(80		)	(1,602		)	(7		)	(1,689		)	(1,679		)	8,103		6,424		1	(110	)	(109	)
Fidelity VIP Asset Manager (Pinnacle V )	(1,038		)	14,994			(8,830		)	5,126			250		(20,761		)	17,623			(1,527		)	(4,415		)	711			419,712		420,423		2,452	(2,794	)	(342	)
Fidelity VIP Balanced (AdvantEdge )	(1,146		)	9,546			3,458			11,858			120		(18,483		)	(14,448		)	(946		)	(33,757		)	(21,899		)	236,254		214,355		102	(2,351	)	(2,249	)
Fidelity VIP Balanced (AnnuiChoice II )	178			29,903			18,802			48,883			390		(32,762		)	(21,882		)	(1,208		)	(55,462		)	(6,579		)	888,163		881,584		2,112	(5,484	)	(3,372	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Balanced (AnnuiChoice )	$	988		$	15,928		$	13,028		$	29,944		$	2,620	$	(27,925	)	$	6,797		$	(521	)	$	(19,029	)	$	10,915		$	518,272	$	529,187	586	(1,585	)	(999	)
Fidelity VIP Balanced (GrandMaster flex3 )	(779		)	7,986			5,024			12,231			—		(13,632		)	11,394			(237		)	(2,475		)	9,756			253,688		263,444		995	(1,178	)	(183	)
Fidelity VIP Balanced (Grandmaster )	(912		)	23,551			7,387			30,026			1,700		(65,960		)	(7,946		)	(233		)	(72,439		)	(42,413		)	672,744		630,331		4,811	(8,994	)	(4,183	)
Fidelity VIP Balanced (IQ3 )	(2,804		)	35,389			10,830			43,415			13,143		(126,312		)	34,896			(579		)	(78,852		)	(35,437		)	842,189		806,752		1,978	(6,316	)	(4,338	)
Fidelity VIP Balanced (Pinnacle )	(681		)	13,077			9,870			22,266			4,943		(62,540		)	32,556			(173		)	(25,214		)	(2,948		)	421,682		418,734		3,281	(4,661	)	(1,380	)
Fidelity VIP Balanced (Pinnacle IV )	(2,636		)	52,576			7,387			57,327			718		(173,860		)	(415		)	(347		)	(173,904		)	(116,577		)	1,118,779		1,002,202		1,835	(10,383	)	(8,548	)
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )	—			632			777			1,409			—		(2,739		)	1,680			(15		)	(1,074		)	335			23,545		23,880		120	(185	)	(65	)
Fidelity VIP Balanced (Pinnacle Plus )	(416		)	(241		)	2,402			1,745			—		(44,313		)	(1,647		)	(55		)	(46,015		)	(44,270		)	76,657		32,387		—	(2,570	)	(2,570	)
Fidelity VIP Balanced (Pinnacle V )	(4,878		)	44,160			32,263			71,545			81,709		(158,919		)	15,625			(5,332		)	(66,917		)	4,628			1,359,125		1,363,753		10,727	(15,429	)	(4,702	)
Fidelity VIP Contrafund (AdvantEdge )	(24,472		)	359,463			(212,907		)	122,084			2,888		(299,500		)	(163,943		)	(13,255		)	(473,810		)	(351,726		)	2,635,939		2,284,213		6,265	(39,029	)	(32,764	)
Fidelity VIP Contrafund (AnnuiChoice II )	(20,819		)	564,121			(283,880		)	259,422			394,436		(732,127		)	(15,457		)	(11,389		)	(364,537		)	(105,115		)	4,076,699		3,971,584		19,226	(39,589	)	(20,363	)
Fidelity VIP Contrafund (AnnuiChoice )	(11,294		)	461,760			(313,372		)	137,094			4,856		(504,949		)	(157,865		)	(4,001		)	(661,959		)	(524,865		)	2,727,096		2,202,231		4,500	(32,141	)	(27,641	)
Fidelity VIP Contrafund (GrandMaster flex3 )	(14,833		)	124,638			(25,480		)	84,325			37,684		(294,466		)	(470,059		)	(551		)	(727,392		)	(643,067		)	2,103,903		1,460,836		10,472	(40,995	)	(30,523	)
Fidelity VIP Contrafund (IQ Advisor Standard )	51			8,817			1,011			9,879			—		(22,380		)	31,891			—			9,511			19,390			119,560		138,950		656	(238	)	418
Fidelity VIP Contrafund (IQ3 )	(31,096		)	477,138			(226,109		)	219,933			20,299		(441,938		)	132,429			(3,092		)	(292,302		)	(72,369		)	3,894,284		3,821,915		11,973	(24,293	)	(12,320	)
Fidelity VIP Contrafund (Pinnacle IV )	(42,728		)	754,072			(408,475		)	302,869			72,583		(487,940		)	(193,179		)	(1,273		)	(609,809		)	(306,940		)	5,298,659		4,991,719		9,573	(34,218	)	(24,645	)
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )	(2,869		)	17,695			6,663			21,489			788		(71,419		)	(67,419		)	(448		)	(138,498		)	(117,009		)	481,316		364,307		1,537	(9,787	)	(8,250	)
Fidelity VIP Contrafund (Pinnacle Plus )	(4,721		)	3,313			21,740			20,332			—		(164,800		)	(52,362		)	(236		)	(217,398		)	(197,066		)	536,490		339,424		59	(8,941	)	(8,882	)
Fidelity VIP Contrafund (Pinnacle V )	(125,173		)	1,431,002			(445,430		)	860,399			1,522,611		(980,472		)	(16,911		)	(64,442		)	460,786			1,321,185			12,902,243		14,223,428		142,831	(107,320	)	35,511
Fidelity VIP Disciplined Small Cap (Advantedge)	(12		)	214			4,016			4,218			—		(2,299		)	31,800			(16		)	29,485			33,703			—		33,703		1,861	(124	)	1,737
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )	(553		)	7,901			15,301			22,649			43,571		(2,219		)	(5,532		)	(468		)	35,352			58,001			60,543		118,544		4,014	(1,273	)	2,741
Fidelity VIP Disciplined Small Cap (AnnuiChoice )	(480		)	9,662			23,029			32,211			72		(1,048		)	53,440			(170		)	52,294			84,505			116,250		200,755		3,671	(98	)	3,573
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )	(333		)	2,500			4,048			6,215			—		—			(47		)	(15		)	(62		)	6,153			30,439		36,592		7	(11	)	(4	)
Fidelity VIP Disciplined Small Cap (GrandMaster )	(388		)	(13,341		)	20,089			6,360			2,325		(12,148		)	(4,698		)	(18		)	(14,539		)	(8,179		)	90,349		82,170		7,282	(8,937	)	(1,655	)
Fidelity VIP Disciplined Small Cap (IQ Annuity )	(706		)	10,123			4,335			13,752			—		—			(5,252		)	(40		)	(5,292		)	8,460			69,959		78,419		274	(642	)	(368	)
Fidelity VIP Disciplined Small Cap (Pinnacle )	(1,154		)	10,691			16,968			26,505			—		(445		)	(3,316		)	(66		)	(3,827		)	22,678			130,766		153,444		3	(270	)	(267	)
Fidelity VIP Disciplined Small Cap (Pinnacle IV )	(2,582		)	35,136			8,970			41,524			718		(79,928		)	(25,901		)	(116		)	(105,227		)	(63,703		)	314,489		250,786		484	(8,470	)	(7,986	)
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )	(178		)	(1,377		)	2,012			457			—		—			(17,366		)	—			(17,366		)	(16,909		)	18,057		1,148		57	(1,047	)	(990	)
Fidelity VIP Disciplined Small Cap (Pinnacle Plus )	(1		)	(73		)	18			(56		)	—		—			(879		)	(2		)	(881		)	(937		)	937		—		3	(75	)	(72	)
Fidelity VIP Disciplined Small Cap (Pinnacle V )	(5,446		)	28,962			170,900			194,416			373,112		(36,034		)	420,358			(3,157		)	754,279			948,695			378,613		1,327,308		58,996	(4,575	)	54,421
Fidelity VIP Equity-Income (AnnuiChoice II )	3,315			35,780			20,443			59,538			46,781		(56,369		)	(20,187		)	(596		)	(30,371		)	29,167			372,657		401,824		1,825	(3,865	)	(2,040	)
Fidelity VIP Equity-Income (AdvantEdge )	2,770			17,599			69,909			90,278			7,605		(104,036		)	(28,767		)	(5,952		)	(131,150		)	(40,872		)	691,817		650,945		1,960	(12,197	)	(10,237	)
Fidelity VIP Equity-Income (AnnuiChoice )	10,273			63,016			66,265			139,554			269		(55,039		)	(10,111		)	(1,438		)	(66,319		)	73,235			889,862		963,097		1,054	(4,840	)	(3,786	)
Fidelity VIP Equity-Income (GrandMaster flex3 )	632			(1,133		)	21,056			20,555			—		(55,490		)	17,290			(114		)	(38,314		)	(17,759		)	165,176		147,417		5,828	(8,155	)	(2,327	)
Fidelity VIP Equity-Income (IQ Advisor Standard )	187			782			892			1,861			—		—			(56		)	—			(56		)	1,805			10,995		12,800		—	(3	)	(3	)
Fidelity VIP Equity-Income (IQ3 )	2,604			30,690			29,416			62,710			5,241		(69,326		)	(2,347		)	(352		)	(66,784		)	(4,074		)	442,753		438,679		1,292	(5,409	)	(4,117	)
Fidelity VIP Equity-Income (Pinnacle IV )	5,520			62,980			58,554			127,054			1,764		(78,986		)	13,499			(403		)	(64,126		)	62,928			819,687		882,615		1,739	(5,390	)	(3,651	)
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )	441			2,472			3,898			6,811			—		(1,273		)	1,864			(117		)	474			7,285			39,273		46,558		153	(107	)	46
Fidelity VIP Equity-Income (Pinnacle Plus )	1,461			15,263			34,721			51,445			—		(157,570		)	72,568			(760		)	(85,762		)	(34,317		)	252,777		218,460		4,496	(8,117	)	(3,621	)
Fidelity VIP Equity-Income (Pinnacle V )	9,231			(1,871		)	168,604			175,964			189,371		(126,220		)	82,353			(3,468		)	142,036			318,000			1,024,882		1,342,882		44,554	(32,143	)	12,411
Fidelity VIP Freedom 2010 (Advantedge )	(361		)	3,492			607			3,738			—		(3,305		)	87			(738		)	(3,956		)	(218		)	110,680		110,462		19	(339	)	(320	)
Fidelity VIP Freedom 2010 (AnnuiChoice II )	95			6,302			(1,374		)	5,023			—		(13,810		)	—			(816		)	(14,626		)	(9,603		)	138,948		129,345		—	(1,149	)	(1,149	)
Fidelity VIP Freedom 2010 (GrandMaster )	(51		)	5,912			(6,167		)	(306		)	—		(722		)	(31,892		)	—			(32,614		)	(32,920		)	51,941		19,021		—	(2,691	)	(2,691	)
Fidelity VIP Freedom 2010 (IQ Annuity )	(120		)	4,356			(2,124		)	2,112			—		(635		)	(77		)	(64		)	(776		)	1,336			55,489		56,825		580	(637	)	(57	)
Fidelity VIP Freedom 2010 (Pinnacle )	(11		)	350			226			565			—		—			—			(23		)	(23		)	542			14,853		15,395		—	(2	)	(2	)
Fidelity VIP Freedom 2010 (Pinnacle IV )	(22		)	3,285			(1,181		)	2,082			21,920		(26,788		)	—			(12		)	(4,880		)	(2,798		)	64,864		62,066		1,776	(2,181	)	(405	)
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )	20			320			218			558			—		—			—			(16		)	(16		)	542			13,878		14,420		—	(2	)	(2	)
Fidelity VIP Freedom 2010 (Pinnacle Plus )	(94		)	747			(404		)	249			—		(5,340		)	—			—			(5,340		)	(5,091		)	9,222		4,131		—	(431	)	(431	)
Fidelity VIP Freedom 2010 (Pinnacle V )	(1,415		)	14,432			2,566			15,583			—		(24,649		)	(11,137		)	(2,361		)	(38,147		)	(22,564		)	436,626		414,062		30	(3,063	)	(3,033	)
Fidelity VIP Freedom 2015 (AdvantEdge )	(281		)	3,069			149			2,937			—		(6,012		)	(21		)	(632		)	(6,665		)	(3,728		)	82,785		79,057		25	(559	)	(534	)
Fidelity VIP Freedom 2015 (AnnuiChoice II )	1,115			8,274			(5,983		)	3,406			—		(22,355		)	35,495			(276		)	12,864			16,270			135,712		151,982		5,839	(5,056	)	783
Fidelity VIP Freedom 2015 (GrandMaster )	77			12			(205		)	(116		)	—		—			9,263			—			9,263			9,147			—		9,147		706	—		706
Fidelity VIP Freedom 2015 (IQ Advisor Standard )	(291		)	22,013			(38,335		)	(16,613		)	—		(326,443		)	—			—			(326,443		)	(343,056		)	343,056		—		—	(25,825	)	(25,825	)
Fidelity VIP Freedom 2015 (IQ Annuity )	(6,649		)	2,289			29,464			25,104			—		(12,508		)	(492,107		)	(329		)	(504,944		)	(479,840		)	521,604		41,764		9,228	(48,278	)	(39,050	)
Fidelity VIP Freedom 2015 (Pinnacle IV )	(3		)	66			8			71			—		(70		)	—			(15		)	(85		)	(14		)	1,777		1,763		1	(7	)	(6	)
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )	24			464			256			744			—		—			—			(20		)	(20		)	724			17,070		17,794		—	(2	)	(2	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2015 (Pinnacle Plus )	$	(279	)	$	(185	)	$	1,264		$	800		$	—	$	(16,050	)	$	—		$	—		$	(16,050	)	$	(15,250	)	$	27,718	$	12,468	—	(1,299	)	(1,299	)
Fidelity VIP Freedom 2015 (Pinnacle V )	(2,021		)	27,329			18,811			44,119			12,000		(110,476		)	173,687			(5,731		)	69,480			113,599			1,201,102		1,314,701		14,059	(8,798	)	5,261
Fidelity VIP Freedom 2020 (AdvantEdge )	(1,106		)	10,963			(3,987		)	5,870			—		(64,702		)	773			(596		)	(64,525		)	(58,655		)	166,753		108,098		62	(5,125	)	(5,063	)
Fidelity VIP Freedom 2020 (AnnuiChoice II )	(7,839		)	157,262			(100,077		)	49,346			—		(85,112		)	(28,274		)	(2,092		)	(115,478		)	(66,132		)	701,058		634,926		27,856	(35,415	)	(7,559	)
Fidelity VIP Freedom 2020 (AnnuiChoice )	(79		)	9,978			(10,148		)	(249		)	—		(38,781		)	—			(25		)	(38,806		)	(39,055		)	39,055		—		—	(3,100	)	(3,100	)
Fidelity VIP Freedom 2020 (GrandMaster flex3 )	(51		)	460			272			681			—		(682		)	(130		)	—			(812		)	(131		)	16,613		16,482		—	(66	)	(66	)
Fidelity VIP Freedom 2020 (GrandMaster )	(386		)	14,757			(11,823		)	2,548			—		(43,541		)	—			—			(43,541		)	(40,993		)	45,908		4,915		—	(3,373	)	(3,373	)
Fidelity VIP Freedom 2020 (IQ Annuity )	665			2,092			14,771			17,528			320		(77,483		)	445,245			(327		)	367,755			385,283			281,131		666,414		39,638	(10,074	)	29,564
Fidelity VIP Freedom 2020 (Pinnacle IV )	(87		)	2,040			491			2,444			—		—			—			—			—			2,444			57,243		59,687		—	—		—
Fidelity VIP Freedom 2020 (Pinnacle )	(12		)	788			342			1,118			—		—			—			—			—			1,118			25,551		26,669		—	—		—
Fidelity VIP Freedom 2020 (Pinnacle Plus )	(193		)	1,227			(380		)	654			—		(10,654		)	—			(2		)	(10,656		)	(10,002		)	20,843		10,841		—	(878	)	(878	)
Fidelity VIP Freedom 2020 (Pinnacle V )	(14,967		)	252,483			(90,331		)	147,185			92,891		(672,691		)	(162,167		)	(25,864		)	(767,831		)	(620,646		)	3,905,367		3,284,721		5,940	(69,269	)	(63,329	)
Fidelity VIP Freedom 2025 (Advantedge)	(566		)	6,138			2,020			7,592			—		(3,598		)	(66		)	(1,248		)	(4,912		)	2,680			180,865		183,545		6	(382	)	(376	)
Fidelity VIP Freedom 2025 (AnnuiChoice II )	2,456			21,787			(9,415		)	14,828			—		(87		)	286,592			(1,850		)	284,655			299,483			226,892		526,375		23,557	(2,197	)	21,360
Fidelity VIP Freedom 2025 (IQ Annuity )	2,574			(9,629		)	6,560			(495		)	—		(6,316		)	(37,701		)	—			(44,017		)	(44,512		)	174,363		129,851		5,185	(9,168	)	(3,983	)
Fidelity VIP Freedom 2025 (Pinnacle )	(2		)	161			48			207			—		—			—			—			—			207			4,566		4,773		—	—		—
Fidelity VIP Freedom 2025 (Pinnacle IV )	(41		)	955			359			1,273			—		—			—			(30		)	(30		)	1,243			28,663		29,906		—	(2	)	(2	)
Fidelity VIP Freedom 2025 (Pinnacle Plus )	(96		)	780			(390		)	294			—		(5,546		)	—			—			(5,546		)	(5,252		)	9,576		4,324		—	(440	)	(440	)
Fidelity VIP Freedom 2025 (Pinnacle V )	(9,469		)	226,955			(79,035		)	138,451			412,816		(422,957		)	(79,113		)	(23,462		)	(112,716		)	25,735			3,088,401		3,114,136		36,958	(45,395	)	(8,437	)
Fidelity VIP Freedom 2030 (AnnuiChoice II )	(194		)	11,119			(9,060		)	1,865			—		(23,529		)	(10,192		)	(46		)	(33,767		)	(31,902		)	49,810		17,908		10	(2,637	)	(2,627	)
Fidelity VIP Freedom 2030 (Grandmaster )	(3		)	87			29			113			—		—			—			(4		)	(4		)	109			2,309		2,418		—	—		—
Fidelity VIP Freedom 2030 (IQ Annuity )	(140		)	4,840			1,764			6,464			16,147		—			—			(48		)	16,099			22,563			117,989		140,552		1,329	(5	)	1,324
Fidelity VIP Freedom 2030 (Pinnacle )	(2		)	81			28			107			—		—			—			(1		)	(1		)	106			2,152		2,258		—	—		—
Fidelity VIP Freedom 2030 (Pinnacle IV )	59			84			1,542			1,685			19,896		—			—			(4		)	19,892			21,577			454		22,031		1,692	(1	)	1,691
Fidelity VIP Freedom 2030 (Pinnacle V )	(1,000		)	14,559			1,199			14,758			1,400		—			—			(185		)	1,215			15,973			309,958		325,931		152	(46	)	106
Fidelity VIP Growth (AnnuiChoice II )	(2,162		)	17,615			(14,834		)	619			48,572		(4,423		)	(321		)	(445		)	43,383			44,002			173,268		217,270		3,328	(885	)	2,443
Fidelity VIP Growth (GrandMaster )	(8,181		)	87,691			(77,338		)	2,172			5,051		(63,243		)	60,268			(120		)	1,956			4,128			589,497		593,625		7,602	(7,049	)	553
Fidelity VIP Growth (AdvantEdge )	(1,667		)	5,749			(4,037		)	45			—		(1,527		)	9,181			(321		)	7,333			7,378			93,586		100,964		2,693	(2,131	)	562
Fidelity VIP Growth (AnnuiChoice )	(3,835		)	52,421			(53,446		)	(4,860		)	16,452		(45,503		)	(16,519		)	(547		)	(46,117		)	(50,977		)	414,726		363,749		512	(3,936	)	(3,424	)
Fidelity VIP Growth (GrandMaster flex3 )	(2,211		)	12,161			(10,773		)	(823		)	—		(57,714		)	(29,300		)	(77		)	(87,091		)	(87,914		)	182,544		94,630		—	(4,768	)	(4,768	)
Fidelity VIP Growth (IQ Advisor Standard )	(7		)	2,177			(2,650		)	(480		)	—		(6,719		)	—			—			(6,719		)	(7,199		)	7,199		—		—	(357	)	(357	)
Fidelity VIP Growth (IQ3 )	(4,804		)	29,019			(27,820		)	(3,605		)	14,695		(48,119		)	9,826			(331		)	(23,929		)	(27,534		)	346,870		319,336		1,358	(3,059	)	(1,701	)
Fidelity VIP Growth (Pinnacle )	(3,427		)	21,561			(21,245		)	(3,111		)	286		(28,166		)	(9,991		)	(70		)	(37,941		)	(41,052		)	309,109		268,057		3,574	(5,974	)	(2,400	)
Fidelity VIP Growth (Pinnacle IV )	(9,966		)	87,081			(88,275		)	(11,160		)	—		(116,842		)	(59,212		)	(579		)	(176,633		)	(187,793		)	788,940		601,147		1,189	(12,543	)	(11,354	)
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )	(643		)	1,204			(1,932		)	(1,371		)	—		(1,373		)	(31,829		)	(71		)	(33,273		)	(34,644		)	62,982		28,338		2	(1,828	)	(1,826	)
Fidelity VIP Growth (Pinnacle Plus )	(658		)	123			4,948			4,413			—		(662		)	41,795			(18		)	41,115			45,528			—		45,528		2,293	(34	)	2,259
Fidelity VIP Growth (Pinnacle V )	(35,152		)	209,333			(174,383		)	(202		)	905,095		(228,797		)	138,963			(9,553		)	805,708			805,506			1,959,866		2,765,372		74,657	(21,658	)	52,999
Fidelity VIP High Income (AdvantEdge )	39,539			62,666			11,239			113,444			61,543		(286,271		)	796,583			(1,086		)	570,769			684,213			375,787		1,060,000		180,297	(138,046	)	42,251
Fidelity VIP High Income (AnnuiChoice II )	32,207			1,020			39,204			72,431			17,490		(47,154		)	255,765			(395		)	225,706			298,137			447,730		745,867		76,532	(61,681	)	14,851
Fidelity VIP High Income (AnnuiChoice )	14,220			(6,159		)	26,154			34,215			—		(236		)	27,661			(275		)	27,150			61,365			274,124		335,489		3,030	(1,719	)	1,311
Fidelity VIP High Income (GrandMaster flex3 )	296,557			226,966			291,741			815,264			—		(1,715,827		)	3,519,865			(413		)	1,803,625			2,618,889			5,298,246		7,917,135		887,845	(790,546	)	97,299
Fidelity VIP High Income (IQ Advisor Standard )	159			(19		)	282			422			—		—			(100		)	—			(100		)	322			3,185		3,507		—	(6	)	(6	)
Fidelity VIP High Income (IQ3 )	46,683			7,598			72,247			126,528			—		(66,312		)	439,493			(390		)	372,791			499,319			684,206		1,183,525		98,618	(78,335	)	20,283
Fidelity VIP High Income (Pinnacle )	165,049			61,130			149,990			376,169			—		(751,667		)	1,763,616			(139		)	1,011,810			1,387,979			2,551,544		3,939,523		437,190	(377,877	)	59,313
Fidelity VIP High Income (Pinnacle IV )	8,849			(18,019		)	63,168			53,998			5,480		(297,717		)	165,959			(162		)	(126,440		)	(72,442		)	365,832		293,390		16,284	(22,066	)	(5,782	)
Fidelity VIP High Income (Pinnacle II Reduced M&E )	(1,080		)	(31,956		)	42,198			9,162			—		(29,008		)	(329,181		)	—			(358,189		)	(349,027		)	349,027		—		23,094	(44,759	)	(21,665	)
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )	657			(91		)	1,325			1,891			—		(812		)	844			(13		)	19			1,910			13,664		15,574		81	(69	)	12
Fidelity VIP High Income (Pinnacle Plus )	632			(2,203		)	3,925			2,354			—		(12,186		)	(909		)	(50		)	(13,145		)	(10,791		)	30,526		19,735		—	(787	)	(787	)
Fidelity VIP High Income (Pinnacle V )	34,769			(203,997		)	342,115			172,887			184,023		(134,674		)	(1,831,943		)	(2,424		)	(1,785,018		)	(1,612,131		)	2,784,795		1,172,664		16,088	(153,093	)	(137,005	)
Fidelity VIP II Index 500 (Pinnacle )	(378		)	27,184			62,799			89,605			7,386		(39,998		)	(41,670		)	(158		)	(74,440		)	15,165			934,029		949,194		1,867	(6,883	)	(5,016	)
Fidelity VIP II Index 500 (Pinnacle IV )	(6,684		)	304,239			165,009			462,564			1,200		(601,831		)	(6,140		)	(1,135		)	(607,906		)	(145,342		)	4,944,542		4,799,200		1,149	(42,086	)	(40,937	)
Fidelity VIP II Index 500 (Pinnacle V )	(24,637		)	494,914			1,233,028			1,703,305			1,764,564		(1,194,258		)	157,006			(38,380		)	688,932			2,392,237			16,464,797		18,857,034		144,304	(93,452	)	50,852
Fidelity VIP Index 500 (AdvantEdge )	(4,653		)	164,224			(39,901		)	119,670			39,760		(331,450		)	(26,287		)	(4,374		)	(322,351		)	(202,681		)	1,470,823		1,268,142		6,701	(27,139	)	(20,438	)
Fidelity VIP Index 500 (AnnuiChoice II )	10,756			275,273			63,472			349,501			749,952		(258,033		)	1,932			(8,656		)	485,195			834,696			3,082,677		3,917,373		87,395	(55,176	)	32,219
Fidelity VIP Index 500 (AnnuiChoice )	3,232			25,033			70,646			98,911			73,756		(125,592		)	(32,270		)	(1,229		)	(85,335		)	13,576			982,811		996,387		1,843	(6,757	)	(4,914	)
Fidelity VIP Index 500 (Grandmaster flex3 )	217			11,451			27,096			38,764			—		(37,247		)	212,727			(438		)	175,042			213,806			284,098		497,904		18,517	(6,478	)	12,039

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Index 500 (Grandmaster )	$	250		$	95,314		$	102,325		$	197,889		$	20	$	(112,135	)	$	(74,463	)	$	(603	)	$	(187,181	)	$	10,708		$	2,266,434	$	2,277,142	7,690	(21,519	)	(13,829	)
Fidelity VIP Index 500 (IQ Advisor Standard )	1,232			2,531			13,397			17,160			—		(7,157		)	59,469			—			52,312			69,472			91,484		160,956		3,967	(454	)	3,513
Fidelity VIP Index 500 (IQ3 )	519			36,881			79,798			117,198			21,460		(63,904		)	277,302			(1,579		)	233,279			350,477			914,907		1,265,384		20,490	(6,473	)	14,017
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )	678			18,060			4,377			23,115			—		(79,164		)	61,436			(345		)	(18,073		)	5,042			207,783		212,825		3,310	(4,140	)	(830	)
Fidelity VIP Index 500 (Pinnacle Plus )	(2,649		)	45,325			(10,404		)	32,272			—		(111,892		)	(90,239		)	(252		)	(202,383		)	(170,111		)	473,244		303,133		60	(9,677	)	(9,617	)
Fidelity VIP Investment Grade Bond (AdvantEdge )	13,390			2,589			21,130			37,109			14,315		(180,620		)	380,260			(6,738		)	207,217			244,326			1,497,860		1,742,186		34,344	(18,273	)	16,071
Fidelity VIP Investment Grade Bond (AnnuiChoice II )	43,278			(8,030		)	73,526			108,774			773,532		(562,648		)	221,236			(17,296		)	414,824			523,598			3,294,332		3,817,930		70,996	(40,596	)	30,400
Fidelity VIP Investment Grade Bond (AnnuiChoice )	18,306			3,250			25,583			47,139			1,777		(118,317		)	125,103			(1,403		)	7,160			54,299			1,416,702		1,471,001		7,543	(7,222	)	321
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )	2,951			962			17,020			20,933			—		(178,625		)	227,798			(368		)	48,805			69,738			428,197		497,935		21,367	(17,175	)	4,192
Fidelity VIP Investment Grade Bond (GrandMaster )	6,651			(4,067		)	27,413			29,997			15,275		(174,148		)	40,245			(252		)	(118,880		)	(88,883		)	930,421		841,538		8,909	(17,921	)	(9,012	)
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )	900			(3,144		)	6,048			3,804			—		(4,617		)	(121,777		)	—			(126,394		)	(122,590		)	181,690		59,100		—	(8,491	)	(8,491	)
Fidelity VIP Investment Grade Bond (IQ3 )	6,505			(13,130		)	43,751			37,126			707		(224,243		)	85,433			(902		)	(139,005		)	(101,879		)	1,151,370		1,049,491		9,451	(17,898	)	(8,447	)
Fidelity VIP Investment Grade Bond (Pinnacle )	12,082			(1,534		)	28,957			39,505			—		(15,681		)	78,466			(195		)	62,590			102,095			1,258,579		1,360,674		6,034	(1,522	)	4,512
Fidelity VIP Investment Grade Bond (Pinnacle IV )	3,462			(1,066		)	6,971			9,367			17,895		(50,834		)	91,940			(206		)	58,795			68,162			340,339		408,501		8,295	(4,114	)	4,181
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )	45			274			284			603			—		(17,461		)	16,396			(8		)	(1,073		)	(470		)	8,953		8,483		1,156	(1,209	)	(53	)
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )	789			202			1,216			2,207			525		(3,828		)	3,926			(48		)	575			2,782			68,467		71,249		723	(675	)	48
Fidelity VIP Investment Grade Bond (Pinnacle Plus )	1,038			(3,792		)	7,974			5,220			—		(89,184		)	(3,091		)	(330		)	(92,605		)	(87,385		)	206,644		119,259		131	(7,054	)	(6,923	)
Fidelity VIP Investment Grade Bond (Pinnacle V )	157,380			(20,208		)	180,260			317,432			4,920,064		(853,021		)	1,024,562			(90,590		)	5,001,015			5,318,447			12,816,121		18,134,568		454,669	(68,433	)	386,236
Fidelity VIP Mid Cap (AdvantEdge )	(2,814		)	(1,759		)	24,637			20,064			7,620		(27,465		)	8,534			(703		)	(12,014		)	8,050			253,111		261,161		4,375	(5,448	)	(1,073	)
Fidelity VIP Mid Cap (AnnuiChoice II )	(5,707		)	44,641			32,621			71,555			1,190		(97,481		)	86,940			(1,529		)	(10,880		)	60,675			688,624		749,299		8,166	(8,830	)	(664	)
Fidelity VIP Mid Cap (AnnuiChoice )	(5,525		)	59,474			26,201			80,150			8,838		(65,964		)	(6,095		)	(840		)	(64,061		)	16,089			819,740		835,829		544	(2,524	)	(1,980	)
Fidelity VIP Mid Cap (GrandMaster flex3 )	(3,729		)	14,297			17,834			28,402			—		(18,325		)	(18,209		)	(202		)	(36,736		)	(8,334		)	317,557		309,223		614	(1,905	)	(1,291	)
Fidelity VIP Mid Cap (Grandmaster )	(5,622		)	4,376			48,936			47,690			—		(17,146		)	(261,027		)	(76		)	(278,249		)	(230,559		)	604,918		374,359		1,059	(11,551	)	(10,492	)
Fidelity VIP Mid Cap (IQ Advisor Standard )	(386		)	5,377			13,076			18,067			—		(26,194		)	63,165			—			36,971			55,038			108,876		163,914		1,637	(247	)	1,390
Fidelity VIP Mid Cap (IQ Annuity )	(20,675		)	106,188			106,653			192,166			250,194		(434,597		)	65,815			(2,226		)	(120,814		)	71,352			1,835,602		1,906,954		9,720	(13,102	)	(3,382	)
Fidelity VIP Mid Cap (Pinnacle )	(4,989		)	30,322			21,181			46,514			1,443		(19,007		)	(34,570		)	(184		)	(52,318		)	(5,804		)	499,249		493,445		666	(4,201	)	(3,535	)
Fidelity VIP Mid Cap (Pinnacle IV )	(22,405		)	130,736			82,430			190,761			26,990		(410,509		)	(96,078		)	(848		)	(480,445		)	(289,684		)	2,070,536		1,780,852		1,623	(16,293	)	(14,670	)
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )	(1,823		)	11,287			14,369			23,833			788		(6,503		)	16,227			(218		)	10,294			34,127			206,301		240,428		1,478	(701	)	777
Fidelity VIP Mid Cap (Pinnacle Plus )	(1,585		)	(12,324		)	19,334			5,425			—		(34,253		)	(35,664		)	(132		)	(70,049		)	(64,624		)	182,706		118,082		4,535	(7,061	)	(2,526	)
Fidelity VIP Mid Cap (Pinnacle V )	(22,481		)	104,558			108,733			190,810			104,759		(122,212		)	(32,294		)	(5,772		)	(55,519		)	135,291			1,816,416		1,951,707		32,685	(35,818	)	(3,133	)
Fidelity VIP Overseas (AdvantEdge )	(1,759		)	7,565			(35,910		)	(30,104		)	830		(63,943		)	(8,410		)	(2,012		)	(73,535		)	(103,639		)	466,223		362,584		2,845	(11,023	)	(8,178	)
Fidelity VIP Overseas (AnnuiChoice II )	(78		)	2,589			(20,338		)	(17,827		)	48,163		(94,971		)	4,938			(227		)	(42,097		)	(59,924		)	290,662		230,738		488	(4,413	)	(3,925	)
Fidelity VIP Overseas (AnnuiChoice )	816			4,923			(26,528		)	(20,789		)	1,390		(10,701		)	4,512			(418		)	(5,217		)	(26,006		)	340,272		314,266		1,206	(1,580	)	(374	)
Fidelity VIP Overseas (GrandMaster flex3 )	(741		)	5,998			(16,792		)	(11,535		)	9,887		(38,710		)	(11,084		)	(128		)	(40,035		)	(51,570		)	183,196		131,626		443	(3,261	)	(2,818	)
Fidelity VIP Overseas (GrandMaster )	(105		)	9,914			(38,159		)	(28,350		)	405		(9,558		)	(30,094		)	(45		)	(39,292		)	(67,642		)	395,015		327,373		8,263	(13,078	)	(4,815	)
Fidelity VIP Overseas (IQ Advisor Standard )	17			260			(707		)	(430		)	—		(3,978		)	175			—			(3,803		)	(4,233		)	7,409		3,176		11	(257	)	(246	)
Fidelity VIP Overseas (IQ3 )	(737		)	(34,752		)	(9,238		)	(44,727		)	10,670		(30,703		)	(191,542		)	(192		)	(211,767		)	(256,494		)	470,054		213,560		2,853	(20,667	)	(17,814	)
Fidelity VIP Overseas (Pinnacle )	(378		)	4,856			(26,080		)	(21,602		)	—		(16,725		)	(410		)	(69		)	(17,204		)	(38,806		)	335,694		296,888		52	(1,231	)	(1,179	)
Fidelity VIP Overseas (Pinnacle IV )	(705		)	2,857			(24,025		)	(21,873		)	14,303		(47,301		)	(2,872		)	(220		)	(36,090		)	(57,963		)	340,441		282,478		1,850	(4,357	)	(2,507	)
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	168			(6,576		)	(4,371		)	(10,779		)	—		(49,949		)	51,174			(147		)	1,078			(9,701		)	106,714		97,013		5,390	(5,650	)	(260	)
Fidelity VIP Overseas (Pinnacle Plus )	(1,082		)	(4,618		)	221			(5,479		)	—		(7,481		)	(53,369		)	(35		)	(60,885		)	(66,364		)	133,297		66,933		585	(3,957	)	(3,372	)
Fidelity VIP Overseas (Pinnacle V )	(2,575		)	6,012			(62,965		)	(59,528		)	112,174		(84,465		)	35,893			(2,932		)	60,670			1,142			881,272		882,414		24,905	(17,674	)	7,231
Fidelity VIP Target Volatility (AdvantEdge )	593			807			2,824			4,224			—		(2,400		)	129,036			(752		)	125,884			130,108			108,356		238,464		12,067	(301	)	11,766
Fidelity VIP Target Volatility (AnnuiChoice II )	(144		)	3,212			21,254			24,322			—		(59,226		)	21,165			(6,531		)	(44,592		)	(20,270		)	647,996		627,726		2,136	(6,287	)	(4,151	)
Fidelity VIP Target Volatility (GrandMaster )	(109		)	224			2,063			2,178			—		(1,951		)	—			—			(1,951		)	227			61,565		61,792		—	(186	)	(186	)
Fidelity VIP Target Volatility (Pinnacle IV )	(58		)	85			630			657			—		(723		)	—			—			(723		)	(66		)	18,732		18,666		—	(67	)	(67	)
Fidelity VIP Target Volatility (Pinnacle V )	1,790			5,555			39,733			47,078			684,538		(29,185		)	271,738			(10,797		)	916,294			963,372			848,348		1,811,720		92,442	(5,641	)	86,801
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )	(1,744		)	1,283			17,425			16,964			—		(10,290		)	94,715			(61		)	84,364			101,328			83,421		184,749		6,672	(694	)	5,978
Columbia VIT Mid Cap Value (AnnuiChoice II )	(1,035		)	425			11,919			11,309			—		(8,718		)	8,794			(439		)	(363		)	10,946			90,885		101,831		1,534	(1,580	)	(46	)
Columbia VIT Mid Cap Value (Annuichoice )	(2,130		)	8,665			21,448			27,983			—		(1,158		)	(118,773		)	(140		)	(120,071		)	(92,088		)	312,399		220,311		4,055	(12,474	)	(8,419	)
Columbia VIT Mid Cap Value (Grandmaster flex3 )	(2,984		)	14,186			7,685			18,887			—		(2,343		)	(386,776		)	(44		)	(389,163		)	(370,276		)	478,272		107,996		4,326	(32,447	)	(28,121	)
Columbia VIT Mid Cap Value (Grandmaster )	(1,489		)	1,324			13,185			13,020			—		(7,963		)	22,196			(5		)	14,228			27,248			97,700		124,948		1,853	(887	)	966
Columbia VIT Mid Cap Value (Pinnacle )	(1,945		)	4,101			14,442			16,598			—		(2,529		)	(137,120		)	(22		)	(139,671		)	(123,073		)	231,343		108,270		581	(10,435	)	(9,854	)
Columbia VIT Mid Cap Value (Pinnacle IV )	(2,432		)	902			19,730			18,200			—		(83		)	(48,649		)	(14		)	(48,746		)	(30,546		)	233,351		202,805		4,779	(8,666	)	(3,887	)
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )	(122		)	55			1,656			1,589			—		(730		)	14,836			(5		)	14,101			15,690			4,707		20,397		1,015	(50	)	965

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations											Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations		Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 1 (continued):
Columbia VIT Mid Cap Value (Pinnacle Plus )	$	(853	)	$	(4,061	)	$	6,903		$	1,989	$	—	$	(4,140	)	$	(11,030	)	$	(50	)	$	(15,220	)	$	(13,231	)	$	102,171	$	88,940	9,502	(11,199	)	(1,697	)
Columbia VIT Mid Cap Value (Pinnacle V )	(7,858		)	25,372			40,682			58,196		43,489		(31,831		)	208,067			(1,041		)	218,684			276,880			433,277		710,157		27,618	(13,002	)	14,616
Franklin Growth and Income VIP Fund (Pinnacle )	30,003			216,588			(54,912		)	191,679		—		(380,508		)	(59,871		)	(1,509		)	(441,888		)	(250,209		)	2,164,803		1,914,594		1	(21,006	)	(21,005	)
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	125			574			62			761		—		—			—			(23		)	(23		)	738			7,174		7,912		—	(1	)	(1	)
Franklin Income VIP Fund (Pinnacle )	193,640			57,238			372,722			623,600		1,647		(757,532		)	(82,755		)	(1,607		)	(840,247		)	(216,647		)	5,425,603		5,208,956		1,941	(39,446	)	(37,505	)
Franklin Income VIP Fund (Pinnacle II Reduced M&E )	9,881			(729		)	21,372			30,524		—		(47,609		)	32,793			(30		)	(14,846		)	15,678			233,401		249,079		1,494	(2,098	)	(604	)
JP Morgan IT Mid Cap Value (AnnuiChoice )	(17		)	36,589			(25,269		)	11,303		—		(30,625		)	(22,059		)	(149		)	(52,833		)	(41,530		)	135,668		94,138		1	(1,891	)	(1,890	)
JP Morgan IT Mid Cap Value (Grandmaster )	(261		)	31,495			(22,979		)	8,255		—		(45,160		)	—			(2		)	(45,162		)	(36,907		)	78,977		42,070		—	(1,534	)	(1,534	)
JP Morgan IT Mid Cap Value (GrandMaster flex3 )	(862		)	21,873			(5,985		)	15,026		—		(4,968		)	(18,509		)	(179		)	(23,656		)	(8,630		)	124,937		116,307		—	(816	)	(816	)
JP Morgan IT Mid Cap Value (IQ3 )	(422		)	11,170			(2,305		)	8,443		—		(12,094		)	—			(47		)	(12,141		)	(3,698		)	71,783		68,085		—	(427	)	(427	)
JP Morgan IT Mid Cap Value (Pinnacle )	(412		)	4,998			5,787			10,373		—		(91		)	—			(48		)	(139		)	10,234			78,966		89,200		—	(5	)	(5	)
JP Morgan IT Mid Cap Value (Pinnacle IV )	(1,580		)	24,754			9,148			32,322		—		(15,163		)	—			(352		)	(15,515		)	16,807			259,792		276,599		—	(557	)	(557	)
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )	(112		)	1,953			3,137			4,978		—		(3,151		)	—			(37		)	(3,188		)	1,790			39,288		41,078		1	(165	)	(164	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	1,652			865			1,003			3,520		—		(5,863		)	—			(44		)	(5,907		)	(2,387		)	38,380		35,993		—	(231	)	(231	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	69			3			64			136		—		—			—			(3		)	(3		)	133			1,459		1,592		—	—		—
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )	1,396			124			1,376			2,896		—		—			—			(3		)	(3		)	2,893			32,744		35,637		—	—		—
Morgan Stanley UIF Emerging Markets Debt (IQ3 )	3,188			(34		)	3,374			6,528		—		(10		)	—			(68		)	(78		)	6,450			72,927		79,377		—	(3	)	(3	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )	15,768			(19,904		)	35,700			31,564		90		(7,015		)	(20,416		)	(272		)	(27,613		)	3,951			331,403		335,354		3,010	(4,014	)	(1,004	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )	1,702			(181		)	2,614			4,135		—		(45,334		)	32,793			—			(12,541		)	(8,406		)	29,782		21,376		1,306	(1,731	)	(425	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	2,197			80			2,291			4,568		—		(1,814		)	—			(32		)	(1,846		)	2,722			51,114		53,836		—	(68	)	(68	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	697			7,280			4,139			12,116		—		(15,288		)	—			(446		)	(15,734		)	(3,618		)	216,315		212,697		1	(438	)	(437	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	23			225			483			731		—		(392		)	—			(18		)	(410		)	321			13,470		13,791		—	(28	)	(28	)
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )	(304		)	2,021			4,659			6,376		—		(2,780		)	—			(104		)	(2,884		)	3,492			123,591		127,083		—	(84	)	(84	)
Morgan Stanley UIF U.S. Real Estate (IQ3 )	(559		)	23,037			239			22,717		—		(49,844		)	—			(268		)	(50,112		)	(27,395		)	448,856		421,461		—	(1,511	)	(1,511	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle )	432			197,686			(144,947		)	53,171		—		(118,940		)	(43,803		)	(487		)	(163,230		)	(110,059		)	1,152,526		1,042,467		4,399	(8,240	)	(3,841	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	(801		)	103,317			(72,684		)	29,832		—		(243,621		)	(195		)	(266		)	(244,082		)	(214,250		)	662,111		447,861		—	(6,625	)	(6,625	)
Non-Affiliated Class 2:
American Funds Managed Risk Asset Allocation (AdvantEdge )	(878		)	7,210			8,800			15,132		120		(7,526		)	127,907			(1,473		)	119,028			134,160			232,701		366,861		12,867	(1,522	)	11,345
American Funds Managed Risk Asset Allocation (AnnuiChoice )	59			394			366			819		—		(393		)	7,000			(39		)	6,568			7,387			6,429		13,816		685	(43	)	642
American Funds Managed Risk Asset Allocation (AnnuiChoice II )	662			10,542			11,145			22,349		800		(33,722		)	33,496			(2,790		)	(2,216		)	20,133			345,675		365,808		3,615	(3,683	)	(68	)
American Funds Managed Risk Asset Allocation (GrandMaster )	(156		)	34			736			614		—		(1,378		)	32,398			—			31,020			31,634			—		31,634		3,975	(1,037	)	2,938
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )	(67		)	611			810			1,354		—		(91		)	12,115			(16		)	12,008			13,362			18,933		32,295		1,218	(68	)	1,150
American Funds Managed Risk Asset Allocation (Pinnacle IV )	(190		)	3,491			4,621			7,922		—		(3,302		)	28,651			(30		)	25,319			33,241			103,922		137,163		3,259	(716	)	2,543
American Funds Managed Risk Asset Allocation (Pinnacle V )	(5,174		)	58,556			75,715			129,097		1,134,132		(38,543		)	157,086			(14,371		)	1,238,304			1,367,401			1,664,421		3,031,822		139,683	(20,631	)	119,052
Columbia VIT Small Cap Value (AdvantEdge )	(2,435		)	36,595			16,643			50,803		554		(64,094		)	(44,070		)	(1,090		)	(108,700		)	(57,897		)	230,336		172,439		319	(5,390	)	(5,071	)
Columbia VIT Small Cap Value (AnnuiChoice II )	(3,756		)	50,675			110,761			157,680		37,313		(62,633		)	98,457			(1,706		)	71,431			229,111			420,295		649,406		7,305	(3,572	)	3,733
Columbia VIT Small Cap Value (AnnuiChoice )	(775		)	14,281			22,907			36,413		—		(2,731		)	(7,835		)	(32		)	(10,598		)	25,815			121,311		147,126		52	(516	)	(464	)
Columbia VIT Small Cap Value (Grandmaster flex3 )	(371		)	3,729			8,094			11,452		—		—			23,187			—			23,187			34,639			12,259		46,898		1,215	—		1,215
Columbia VIT Small Cap Value (Grandmaster )	(282		)	3,173			5,661			8,552		—		(864		)	1,402			(10		)	528			9,080			26,982		36,062		75	(46	)	29
Columbia VIT Small Cap Value (Pinnacle Plus )	(902		)	15,186			5,021			19,305		—		(44,913		)	37,319			(33		)	(7,627		)	11,678			55,862		67,540		1,899	(2,112	)	(213	)
Columbia VIT Small Cap Value (Pinnacle )	(258		)	1,769			7,405			8,916		—		(528		)	50,927			(16		)	50,383			59,299			15,242		74,541		2,285	(171	)	2,114
Columbia VIT Small Cap Value (Pinnacle IV )	(259		)	2,697			4,596			7,034		—		(1,401		)	7,514			(6		)	6,107			13,141			21,315		34,456		315	(58	)	257
Columbia VIT Small Cap Value (Pinnacle V )	(20,618		)	201,974			334,102			515,458		199,208		(83,604		)	(61,730		)	(9,516		)	44,358			559,816			1,536,305		2,096,121		14,927	(11,451	)	3,476
Franklin Growth and Income VIP Fund (AdvantEdge )	1,082			6,259			6,436			13,777		—		(19,340		)	102,932			(206		)	83,386			97,163			62,877		160,040		10,745	(4,924	)	5,821
Franklin Growth and Income VIP Fund (AnnuiChoice )	16,112			197,158			(125,523		)	87,747		25,569		(298,613		)	(14,963		)	(738		)	(288,745		)	(200,998		)	1,128,805		927,807		265	(14,208	)	(13,943	)
Franklin Growth and Income VIP Fund (AnnuiChoice II )	6,259			51,036			(28,456		)	28,839		9,402		(118,427		)	(16,174		)	(552		)	(125,751		)	(96,912		)	363,613		266,701		712	(9,105	)	(8,393	)
Franklin Growth and Income VIP Fund (Grandmaster )	6,771			56,524			(14,701		)	48,594		49,361		(114,888		)	58,555			(151		)	(7,123		)	41,471			463,004		504,475		2,966	(3,213	)	(247	)
Franklin Growth and Income VIP Fund (GrandMaster flex3 )	3,122			122,030			(106,802		)	18,350		—		(106,792		)	(152,233		)	(320		)	(259,345		)	(240,995		)	610,204		369,209		1,796	(16,008	)	(14,212	)
Franklin Growth and Income VIP Fund (IQ Annuity )	15,575			206,977			(91,414		)	131,138		8,494		(182,980		)	114,915			(868		)	(60,439		)	70,699			1,381,445		1,452,144		6,883	(10,022	)	(3,139	)
Franklin Growth and Income VIP Fund (Pinnacle )	9,497			80,924			(17,555		)	72,866		26,494		(46,668		)	(27,522		)	(265		)	(47,961		)	24,905			750,676		775,581		668	(4,396	)	(3,728	)
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	1			3			—			4		—		—			—			—			—			4			40		44		—	—		—
Franklin Growth and Income VIP Fund (Pinnacle IV )	13,230			155,108			(64,068		)	104,270		5,028		(158,537		)	8,686			(759		)	(145,582		)	(41,312		)	1,101,139		1,059,827		2,203	(9,247	)	(7,044	)
Franklin Growth and Income VIP Fund (Pinnacle Plus )	2,508			34,491			(10,394		)	26,605		—		(131,892		)	(62,213		)	(780		)	(194,885		)	(168,280		)	318,429		150,149		—	(9,863	)	(9,863	)
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )	3,816			21,976			(1,387		)	24,405		—		(92,459		)	68,546			(308		)	(24,221		)	184			212,062		212,246		4,652	(5,863	)	(1,211	)
Franklin Growth and Income VIP Fund (Pinnacle V )	12,886			131,051			(6,981		)	136,956		291,692		(107,062		)	106,906			(6,145		)	285,391			422,347			1,278,433		1,700,780		33,748	(11,201	)	22,547
Franklin Income VIP Fund (AdvantEdge )	9,750			(1,253		)	25,700			34,197		120		(9,402		)	63,064			(283		)	53,499			87,696			247,082		334,778		4,990	(914	)	4,076

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Franklin Income VIP Fund (AnnuiChoice )	$	43,693		$	10,162		$	80,209		$	134,064		$	12,500	$	(98,931	)	$	(34,262	)	$	(1,760	)	$	(122,453	)	$	11,611		$	1,146,546	$	1,158,157	2,282	(7,808	)	(5,526	)
Franklin Income VIP Fund (AnnuiChoice II )	279,722			(5,898		)	631,923			905,747			142,194		(195,900		)	(157,185		)	(7,659		)	(218,550		)	687,197			7,240,575		7,927,772		7,509	(22,657	)	(15,148	)
Franklin Income VIP Fund (Grandmaster )	31,836			6,919			69,544			108,299			4,107		(148,653		)	(34,189		)	(373		)	(179,108		)	(70,809		)	989,032		918,223		2,346	(10,633	)	(8,287	)
Franklin Income VIP Fund (GrandMaster flex3 )	71,910			10,796			159,767			242,473			1,300		(149,026		)	(27,579		)	(912		)	(176,217		)	66,256			2,012,462		2,078,718		7,024	(14,941	)	(7,917	)
Franklin Income VIP Fund (IQ Advisor Standard )	145			(1		)	280			424			—		—			16			—			16			440			3,170		3,610		1	—		1
Franklin Income VIP Fund (IQ Annuity )	44,026			(2,161		)	94,023			135,888			2,000		(248,690		)	(36,646		)	(1,153		)	(284,489		)	(148,601		)	1,347,795		1,199,194		1,983	(15,626	)	(13,643	)
Franklin Income VIP Fund (Pinnacle IV )	73,013			6,812			165,624			245,449			33,532		(252,047		)	(500		)	(582		)	(219,597		)	25,852			2,158,395		2,184,247		3,708	(14,142	)	(10,434	)
Franklin Income VIP Fund (Pinnacle Plus )	16,261			(18,486		)	59,742			57,517			—		(135,460		)	(21,759		)	(515		)	(157,734		)	(100,217		)	431,888		331,671		20,763	(28,401	)	(7,638	)
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )	13,386			(18,796		)	54,229			48,819			1,680		(150,239		)	170,701			(592		)	21,550			70,369			395,368		465,737		13,076	(11,637	)	1,439
Franklin Income VIP Fund (Pinnacle V )	148,253			(109,530		)	481,916			520,639			964,913		(838,779		)	779,853			(7,140		)	898,847			1,419,486			3,759,698		5,179,184		132,679	(58,974	)	73,705
Franklin Large Cap Growth VIP Fund (AdvantEdge )	(13,219		)	61,714			(97,009		)	(48,514		)	2,214		(296,403		)	(65,456		)	(2,797		)	(362,442		)	(410,956		)	1,083,405		672,449		2,613	(28,106	)	(25,493	)
Franklin Large Cap Growth VIP Fund (AnnuiChoice )	(691		)	(15,494		)	11,945			(4,240		)	675		(6,520		)	(23,981		)	(63		)	(29,889		)	(34,129		)	104,875		70,746		3,765	(5,238	)	(1,473	)
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )	(4,962		)	57,412			(75,847		)	(23,397		)	28,873		(297,345		)	27,205			(2,524		)	(243,791		)	(267,188		)	573,627		306,439		2,681	(18,225	)	(15,544	)
Franklin Large Cap Growth VIP Fund (Grandmaster )	(641		)	(3,017		)	2,724			(934		)	—		(39,796		)	39,113			(38		)	(721		)	(1,655		)	44,314		42,659		1,953	(1,966	)	(13	)
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )	(1,733		)	10,993			(14,334		)	(5,074		)	—		(13,091		)	(9,671		)	(125		)	(22,887		)	(27,961		)	136,087		108,126		2,218	(3,414	)	(1,196	)
Franklin Large Cap Growth VIP Fund (IQ Advisor Standard )	(19		)	4,077			(5,773		)	(1,715		)	—		(17,829		)	—			—			(17,829		)	(19,544		)	19,544		—		—	(1,037	)	(1,037	)
Franklin Large Cap Growth VIP Fund (IQ Annuity )	(2,652		)	5,473			(9,126		)	(6,305		)	—		(3,811		)	406			(134		)	(3,539		)	(9,844		)	193,518		183,674		25	(207	)	(182	)
Franklin Large Cap Growth VIP Fund (Pinnacle )	(1,104		)	124			(1,849		)	(2,829		)	—		(1,446		)	(7,314		)	(49		)	(8,809		)	(11,638		)	89,573		77,935		109	(547	)	(438	)
Franklin Large Cap Growth VIP Fund (Pinnacle IV )	(4,780		)	(35,605		)	29,591			(10,794		)	50		(94,117		)	(4,627		)	(196		)	(98,890		)	(109,684		)	387,194		277,510		2,515	(7,404	)	(4,889	)
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )	(4,308		)	(40,546		)	24,524			(20,330		)	—		(21,309		)	(195,351		)	(245		)	(216,905		)	(237,235		)	415,445		178,210		24,372	(36,975	)	(12,603	)
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )	(1,134		)	(4,926		)	3,667			(2,393		)	—		(24,390		)	96,096			(282		)	71,424			69,031			89,797		158,828		5,896	(1,512	)	4,384
Franklin Large Cap Growth VIP Fund (Pinnacle V )	(24,439		)	58,321			(71,254		)	(37,372		)	409,426		(84,811		)	42,687			(7,457		)	359,845			322,473			1,424,790		1,747,263		44,950	(16,732	)	28,218
Franklin Mutual Shares VIP Fund (AdvantEdge )	5,653			202,625			(10,509		)	197,769			2,768		(254,235		)	(147,429		)	(6,677		)	(405,573		)	(207,804		)	1,698,908		1,491,104		1,989	(33,990	)	(32,001	)
Franklin Mutual Shares VIP Fund (AnnuiChoice )	4,157			48,410			6,800			59,367			968		(41,824		)	2,387			(711		)	(39,180		)	20,187			420,809		440,996		579	(2,308	)	(1,729	)
Franklin Mutual Shares VIP Fund (AnnuiChoice II )	26,649			327,333			40,886			394,868			512,640		(515,584		)	2,276			(7,825		)	(8,493		)	386,375			2,504,345		2,890,720		30,626	(29,454	)	1,172
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )	3,458			93,377			16,013			112,848			360		(62,695		)	748			(314		)	(61,901		)	50,947			842,297		893,244		454	(3,495	)	(3,041	)
Franklin Mutual Shares VIP Fund (IQ Annuity )	2,467			53,711			4,237			60,415			—		(40,120		)	(56,102		)	(561		)	(96,783		)	(36,368		)	532,966		496,598		25	(4,923	)	(4,898	)
Franklin Mutual Shares VIP Fund (Pinnacle )	2,377			98,386			(9,757		)	91,006			60		(211,473		)	(12,516		)	(195		)	(224,124		)	(133,118		)	746,367		613,249		5	(10,317	)	(10,312	)
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )	69			795			205			1,069			—		(980		)	—			(24		)	(1,004		)	65			7,992		8,057		—	(47	)	(47	)
Franklin Mutual Shares VIP Fund (Pinnacle IV )	5,757			112,271			29,360			147,388			12,401		(211,366		)	2,485			(307		)	(196,787		)	(49,399		)	1,170,214		1,120,815		1,710	(11,144	)	(9,434	)
Franklin Mutual Shares VIP Fund (Pinnacle Plus )	448			59,249			(23,011		)	36,686			—		(31,607		)	(107,367		)	(382		)	(139,356		)	(102,670		)	325,479		222,809		51	(7,252	)	(7,201	)
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )	2,675			2,604			33,413			38,692			1,680		(70,278		)	79,041			(771		)	9,672			48,364			267,985		316,349		7,123	(6,585	)	538
Franklin Mutual Shares VIP Fund (Pinnacle V )	50,124			789,478			524,286			1,363,888			1,998,570		(572,028		)	33,341			(50,228		)	1,409,655			2,773,543			8,155,901		10,929,444		184,187	(53,929	)	130,258
Franklin Mutual Shares VIP Fund(Grandmaster )	2,859			80,845			(17,272		)	66,432			19,901		(102,568		)	(86,736		)	(182		)	(169,585		)	(103,153		)	603,356		500,203		932	(9,078	)	(8,146	)
Franklin Small Cap Value VIP Fund (AdvantEdge )	(1,017		)	12,347			21,240			32,570			—		(2,474		)	57,418			(606		)	54,338			86,908			89,487		176,395		4,008	(738	)	3,270
Franklin Small Cap Value VIP Fund (Annuichoice )	(121		)	7,038			7,116			14,033			—		(1,677		)	(3,400		)	(120		)	(5,197		)	8,836			54,733		63,569		216	(627	)	(411	)
Franklin Small Cap Value VIP Fund (Annuichoice II )	(799		)	40,178			22,528			61,907			—		(20,378		)	5,013			(524		)	(15,889		)	46,018			224,567		270,585		1,710	(2,810	)	(1,100	)
Franklin Small Cap Value VIP Fund (Grandmaster )	(537		)	(849		)	14,621			13,235			—		(5,649		)	75,016			(13		)	69,354			82,589			10,483		93,072		8,685	(3,834	)	4,851
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )	(251		)	9,702			6,377			15,828			—		(31,525		)	25,119			(3		)	(6,409		)	9,419			45,308		54,727		2,186	(2,394	)	(208	)
Franklin Small Cap Value VIP Fund (IQ Annuuity )	(243		)	(385		)	8,252			7,624			—		(5,929		)	(21,823		)	(29		)	(27,781		)	(20,157		)	54,819		34,662		1,129	(3,324	)	(2,195	)
Franklin Small Cap Value VIP Fund (Pinnacle Plus )	(188		)	4,036			2,631			6,479			—		—			10,623			(12		)	10,611			17,090			15,361		32,451		805	(1	)	804
Franklin Small Cap Value VIP Fund (Pinnacle )	(383		)	2,105			7,178			8,900			—		(4,558		)	24,883			(29		)	20,296			29,196			34,710		63,906		6,821	(5,643	)	1,178
Franklin Small Cap Value VIP Fund (Pinnacle IV )	(120		)	1,059			3,267			4,206			—		(5,974		)	18,545			(27		)	12,544			16,750			13,442		30,192		1,190	(393	)	797
Franklin Small Cap Value VIP Fund (Pinnacle V )	(7,900		)	105,640			159,537			257,277			103,634		(86,846		)	30,510			(2,475		)	44,823			302,100			824,441		1,126,541		31,473	(27,122	)	4,351
Invesco VI American Franchise (AdvantEdge )	(56		)	366			(275		)	35			—		(179		)	119			(40		)	(100		)	(65		)	3,561		3,496		18	(23	)	(5	)
Invesco VI American Franchise (AnnuiChoice )	(65		)	738			(611		)	62			—		(206		)	56			(27		)	(177		)	(115		)	6,558		6,443		3	(10	)	(7	)
Invesco VI American Franchise (AnnuiChoice II )	(983		)	9,262			(7,542		)	737			200		(991		)	—			(50		)	(841		)	(104		)	87,878		87,774		11	(55	)	(44	)
Invesco VI American Franchise (Grandmaster )	(37		)	329			(289		)	3			—		(294		)	—			(3		)	(297		)	(294		)	3,086		2,792		—	(13	)	(13	)
Invesco VI American Franchise (GrandMaster flex3 )	(186		)	4,725			(4,313		)	226			—		—			(8,547		)	—			(8,547		)	(8,321		)	14,451		6,130		—	(363	)	(363	)
Invesco VI American Franchise (IQ Advisor Standard )	(21		)	333			(267		)	45			—		—			(60		)	—			(60		)	(15		)	3,487		3,472		—	(3	)	(3	)
Invesco VI American Franchise (IQ Annuity )	(3,873		)	34,131			(29,727		)	531			—		(16,197		)	—			(245		)	(16,442		)	(15,911		)	284,638		268,727		—	(744	)	(744	)
Invesco VI American Franchise (Pinnacle )	(974		)	4,649			(4,361		)	(686		)	—		(535		)	4,552			(9		)	4,008			3,322			62,315		65,637		1,707	(1,584	)	123
Invesco VI American Franchise (Pinnacle IV )	(1,959		)	12,058			(12,157		)	(2,058		)	1,594		(4,026		)	(60,675		)	(61		)	(63,168		)	(65,226		)	172,213		106,987		769	(3,591	)	(2,822	)
Invesco VI American Franchise (Pinnacle Plus )	48			2,029			(1,782		)	295			—		—			(585		)	(1		)	(586		)	(291		)	18,909		18,618		33	(51	)	(18	)
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )	(149		)	1,193			(821		)	223			—		—			879			(23		)	856			1,079			12,234		13,313		59	(2	)	57
Invesco VI American Franchise (Pinnacle V )	(15,568		)	116,522			(95,185		)	5,769			51,701		(37,105		)	(105,591		)	(3,776		)	(94,771		)	(89,002		)	1,079,767		990,765		8,966	(14,782	)	(5,816	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Invesco VI American Value (AdvantEdge )	$	(1,745	)	$	(17,866	)	$	27,787		$	8,176		$	—	$	(11,360	)	$	(42,030	)	$	(647	)	$	(54,037	)	$	(45,861	)	$	162,948	$	117,087	2,454	(6,563	)	(4,109	)
Invesco VI American Value (AnnuiChoice )	(198		)	2,630			787			3,219			—		(3,359		)	(1,860		)	(23		)	(5,242		)	(2,023		)	19,259		17,236		371	(644	)	(273	)
Invesco VI American Value (AnnuiChoice II )	(5,412		)	60,961			34,886			90,435			172,714		(46,837		)	104			(2,256		)	123,725			214,160			460,958		675,118		15,154	(6,383	)	8,771
Invesco VI American Value (Grandmaster )	(637		)	(4,117		)	10,413			5,659			—		(4,627		)	(10,763		)	(13		)	(15,403		)	(9,744		)	64,747		55,003		1	(1,106	)	(1,105	)
Invesco VI American Value (Grandmaster flex3 )	(141		)	(1,077		)	1,755			537			—		—			(9,981		)	—			(9,981		)	(9,444		)	11,295		1,851		65	(728	)	(663	)
Invesco VI American Value (IQ Annuity )	(827		)	4,944			1,945			6,062			—		(15,531		)	(505		)	(13		)	(16,049		)	(9,987		)	74,577		64,590		240	(1,446	)	(1,206	)
Invesco VI American Value (Pinnacle )	(519		)	561			5,171			5,213			—		(5,103		)	—			(5		)	(5,108		)	105			45,320		45,425		—	(362	)	(362	)
Invesco VI American Value (Pinnacle IV )	(1,095		)	(4,401		)	15,360			9,864			—		(13,511		)	(23,311		)	(40		)	(36,862		)	(26,998		)	94,554		67,556		295	(2,683	)	(2,388	)
Invesco VI American Value (Pinnacle Plus Reduced M&E )	(101		)	(4,994		)	4,407			(688		)	—		(7,262		)	(7,056		)	(12		)	(14,330		)	(15,018		)	23,510		8,492		—	(1,004	)	(1,004	)
Invesco VI American Value (Pinnacle V )	(35,967		)	(29,174		)	460,843			395,702			1,268,187		(129,616		)	(137,595		)	(13,801		)	987,175			1,382,877			2,235,208		3,618,085		138,624	(73,101	)	65,523
Invesco VI Comstock (AdvantEdge )	(1,137		)	47,562			(6,552		)	39,873			—		(135,574		)	1,985			(973		)	(134,562		)	(94,689		)	404,723		310,034		769	(10,267	)	(9,498	)
Invesco VI Comstock (AnnuiChoice )	1,073			50,641			(11,487		)	40,227			225		(14,054		)	(51,912		)	(595		)	(66,336		)	(26,109		)	323,201		297,092		500	(3,364	)	(2,864	)
Invesco VI Comstock (AnnuiChoice II )	2,530			172,716			14,074			189,320			235,323		(257,495		)	21,064			(4,225		)	(5,333		)	183,987			1,168,262		1,352,249		16,695	(16,622	)	73
Invesco VI Comstock (Grandmaster )	(38		)	14,884			12,705			27,551			—		(3,961		)	122			(37		)	(3,876		)	23,675			183,539		207,214		21	(201	)	(180	)
Invesco VI Comstock (GrandMaster flex3 )	(142		)	5,357			4,237			9,452			—		(2,367		)	—			(29		)	(2,396		)	7,056			63,690		70,746		21	(126	)	(105	)
Invesco VI Comstock (IQ Advisor Standard )	25			269			246			540			—		—			140			—			140			680			3,160		3,840		8	—		8
Invesco VI Comstock (IQ Annuity )	(726		)	94,092			(50,731		)	42,635			—		(58,590		)	(53,520		)	(131		)	(112,241		)	(69,606		)	410,130		340,524		298	(5,528	)	(5,230	)
Invesco VI Comstock (Pinnacle )	(73		)	16,894			764			17,585			180		(8,042		)	(5,994		)	(120		)	(13,976		)	3,609			125,419		129,028		14	(626	)	(612	)
Invesco VI Comstock (Pinnacle IV )	(328		)	23,687			8,488			31,847			78		(10,289		)	(7,958		)	(165		)	(18,334		)	13,513			226,358		239,871		41	(875	)	(834	)
Invesco VI Comstock (Pinnacle Plus )	(31		)	2,649			(4,708		)	(2,090		)	—		(16,596		)	—			—			(16,596		)	(18,686		)	18,686		—		—	(949	)	(949	)
Invesco VI Comstock (Pinnacle Plus Reduced M&E )	54			3,072			2,518			5,644			—		(2,257		)	—			(95		)	(2,352		)	3,292			37,176		40,468		1	(135	)	(134	)
Invesco VI Comstock (Pinnacle V )	(12,376		)	736,468			160,304			884,396			1,364,966		(381,377		)	451,851			(30,388		)	1,405,052			2,289,448			5,063,027		7,352,475		190,306	(81,632	)	108,674
Invesco VI International Growth Class II (Advantedge)	(755		)	(377		)	(6,345		)	(7,477		)	—		(3,601		)	108,293			(2,648		)	102,044			94,567			248,254		342,821		10,396	(636	)	9,760
Invesco VI International Growth Class II (IQ Advisor Enhanced )	389			1,966			(7,775		)	(5,420		)	87,684		(15,265		)	32,345			(1,934		)	102,830			97,410			403,419		500,829		12,466	(2,520	)	9,946
Invesco VI International Growth Class II (Pinnacle )	(134		)	632			(1,516		)	(1,018		)	—		(849		)	1,577			(11		)	717			(301		)	48,924		48,623		372	(301	)	71
Invesco VI International Growth Class II (Pinnacle Plus )	(139		)	(6,315		)	5,277			(1,177		)	—		(8,031		)	(43,014		)	(1		)	(51,046		)	(52,223		)	127,557		75,334		3,783	(8,546	)	(4,763	)
Invesco VI International Growth Class II (Pinnacle V )	(5,275		)	5,880			(34,900		)	(34,295		)	508,513		(75,022		)	154,094			(10,751		)	576,834			542,539			1,579,964		2,122,503		64,876	(8,774	)	56,102
Invesco VI International Growth II (Annuichoice)	248			111			(3,014		)	(2,655		)	225		—			(3,310		)	—			(3,085		)	(5,740		)	155,829		150,089		229	(521	)	(292	)
Invesco VI International Growth II (Grandmaster )	42			(106		)	(386		)	(450		)	—		(462		)	(1,123		)	(4		)	(1,589		)	(2,039		)	18,750		16,711		312	(471	)	(159	)
Invesco VI International Growth II (Grandmaster flex3 )	(20		)	(4		)	(89		)	(113		)	—		—			—			—			—			(113		)	5,030		4,917		—	—		—
Invesco VI Mid Cap Growth II (Annuichoice II )*	(1		)	—			(13		)	(14		)	—		—			936			—			936			922			—		922		89	—		89
Invesco VI Mid Cap Growth II (Pinnacle IV )*	(7		)	—			(85		)	(92		)	—		—			7,440			—			7,440			7,348			—		7,348		712	—		712
Invesco VI Mid Cap Growth II (Pinnacle V )*	(229		)	800			(2,683		)	(2,112		)	70,069		—			18,175			(38		)	88,206			86,094			—		86,094		9,142	(800	)	8,342
Templeton Foreign VIP Fund (IQ Annuity )	1,469			2,391			9,222			13,082			—		(20,007		)	(24,195		)	(220		)	(44,422		)	(31,340		)	263,241		231,901		1,011	(3,379	)	(2,368	)
Templeton Foreign VIP Fund (Pinnacle )	2,803			552			20,974			24,329			180		(10,408		)	(23,209		)	(154		)	(33,591		)	(9,262		)	459,853		450,591		20	(1,822	)	(1,802	)
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )	182			(786		)	757			153			—		(11,176		)	—			(23		)	(11,199		)	(11,046		)	14,579		3,533		1	(596	)	(595	)
Templeton Foreign VIP Fund (Pinnacle IV )	3,035			12,649			9,538			25,222			—		(134,684		)	(9,720		)	(225		)	(144,629		)	(119,407		)	633,922		514,515		2,155	(10,112	)	(7,957	)
Templeton Foreign VIP Fund (Pinnacle V )	12,957			43,615			203,989			260,561			1,008,790		(229,041		)	134,370			(19,139		)	894,980			1,155,541			3,259,347		4,414,888		129,745	(25,265	)	104,480
Templeton Foreign VIP Fund (AnnuiChoice )	2,699			4,855			9,047			16,601			1,330		(31,267		)	2,781			(245		)	(27,401		)	(10,800		)	308,561		297,761		440	(1,867	)	(1,427	)
Templeton Foreign VIP Fund (AnnuiChoice II )	7,817			16,797			46,143			70,757			243,358		(126,569		)	29,271			(3,325		)	142,735			213,492			865,532		1,079,024		21,848	(7,826	)	14,022
Templeton Foriegn VIP Fund (AdvantEdge )	1,607			6,341			18,176			26,124			1,384		(191,657		)	10,533			(2,904		)	(182,644		)	(156,520		)	699,634		543,114		3,030	(22,858	)	(19,828	)
Templeton Foriegn VIP Fund (Grandmaster )	1,310			1,692			9,099			12,101			13,099		(19,788		)	(32,170		)	(77		)	(38,936		)	(26,835		)	299,103		272,268		815	(3,040	)	(2,225	)
Templeton Foriegn VIP Fund (GrandMaster flex3 )	666			(8,418		)	20,413			12,661			400		(43,788		)	(28,818		)	(203		)	(72,409		)	(59,748		)	292,305		232,557		867	(4,816	)	(3,949	)
Templeton Foriegn VIP Fund (IQ Advisor Standard )	732			(3,344		)	5,870			3,258			—		(12,053		)	—			—			(12,053		)	(8,795		)	67,978		59,183		—	(780	)	(780	)
Templeton Foriegn VIP Fund (Pinnacle Plus )	475			(331		)	4,333			4,477			—		(35,727		)	(7,683		)	(53		)	(43,463		)	(38,986		)	146,501		107,515		62	(2,706	)	(2,644	)
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )	1,041			1,269			6,132			8,442			1,050		—			4,591			(84		)	5,557			13,999			129,620		143,619		769	(199	)	570
Templeton Global Bond VIP Fund (Pinnacle )	(696		)	(7,867		)	7,611			(952		)	—		(7,220		)	(47,980		)	—			(55,200		)	(56,152		)	79,128		22,976		—	(6,117	)	(6,117	)
Templeton Global Bond VIP Fund (Grandmaster )	(5,364		)	(767		)	11,514			5,383			—		(20,732		)	(172		)	(123		)	(21,027		)	(15,644		)	398,165		382,521		909	(3,234	)	(2,325	)
Templeton Global Bond VIP Fund (GrandMaster flex3 )	(1,187		)	(1,122		)	2,821			512			200		(20,456		)	5,119			(60		)	(15,197		)	(14,685		)	83,573		68,888		560	(2,257	)	(1,697	)
Templeton Global Bond VIP Fund (Pinnacle V )	(13,692		)	(21,556		)	45,721			10,473			—		(97,231		)	(34,489		)	(200		)	(131,920		)	(121,447		)	1,016,621		895,174		276	(14,845	)	(14,569	)
Templeton Global Bond VIP Fund (Advantedge )	(431		)	(580		)	566			(445		)	—		(17,988		)	(7,245		)	(38		)	(25,271		)	(25,716		)	38,933		13,217		—	(2,821	)	(2,821	)
Templeton Global Bond VIP Fund (Pinnacle IV )	(49,322		)	(42,219		)	137,891			46,350			188,487		(141,191		)	52,496			(2,182		)	97,610			143,960			3,189,463		3,333,423		34,346	(23,489	)	10,857
Templeton Global Bond VIP Fund (Annuichoice )	(1,238		)	(2,408		)	4,904			1,258			16,319		(25,602		)	(20,482		)	(154		)	(29,919		)	(28,661		)	142,024		113,363		19	(3,320	)	(3,301	)
Templeton Global Bond VIP Fund (AnnuiChoice II )	(1,032		)	(5,332		)	7,351			987			—		(12,802		)	(10,500		)	(146		)	(23,448		)	(22,461		)	103,455		80,994		569	(3,138	)	(2,569	)
Templeton Growth VIP Fund (AdvantEdge )	516			3,034			5,838			9,388			—		(12,693		)	980			(524		)	(12,237		)	(2,849		)	112,404		109,555		559	(1,577	)	(1,018	)
Templeton Growth VIP Fund (AnnuiChoice )	2,451			10,923			6,896			20,270			264		(3,396		)	11,821			(420		)	8,269			28,539			223,652		252,191		741	(280	)	461

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Templeton Growth VIP Fund (AnnuiChoice II )	$	1,581		$	16,793		$	(6,621	)	$	11,753		$	7,282	$	(56,704	)	$	1,682		$	(547	)	$	(48,287	)	$	(36,534	)	$	159,432	$	122,898	1,006	(5,169	)	(4,163	)
Templeton Growth VIP Fund (Grandmaster )	1,548			8,661			8,320			18,529			3,709		(3,296		)	(4,090		)	(71		)	(3,748		)	14,781			230,916		245,697		236	(442	)	(206	)
Templeton Growth VIP Fund (GrandMaster flex3 )	1,270			49,534			(22,925		)	27,879			—		(44,148		)	(21,468		)	(198		)	(65,814		)	(37,935		)	402,308		364,373		363	(4,031	)	(3,668	)
Templeton Growth VIP Fund (IQ Annuity )	1,953			47,208			(27,267		)	21,894			600		(56,719		)	(16,718		)	(244		)	(73,081		)	(51,187		)	376,614		325,427		810	(5,030	)	(4,220	)
Templeton Growth VIP Fund (Pinnacle )	3,977			16,948			25,272			46,197			30		(61,878		)	2,747			(149		)	(59,250		)	(13,053		)	629,186		616,133		560	(3,844	)	(3,284	)
Templeton Growth VIP Fund (Pinnacle IV )	2,516			2,442			29,746			34,704			2,625		(70,572		)	4,190			(216		)	(63,973		)	(29,269		)	473,672		444,403		1,960	(5,448	)	(3,488	)
Templeton Growth VIP Fund (Pinnacle Plus )	902			(10,678		)	17,806			8,030			—		(29,415		)	(83,285		)	(255		)	(112,955		)	(104,925		)	181,550		76,625		211	(7,053	)	(6,842	)
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )	697			1,855			9,355			11,907			—		(33,974		)	89,070			(165		)	54,931			66,838			117,662		184,500		6,983	(2,938	)	4,045
Templeton Growth VIP Fund (Pinnacle V )	4,108			15,278			45,440			64,826			16,496		(72,704		)	(9,003		)	(758		)	(65,969		)	(1,143		)	862,922		861,779		2,387	(9,429	)	(7,042	)
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )	11,724			(6,529		)	18,903			24,098			1,107		(60,187		)	40,240			(1,135		)	(19,975		)	4,123			306,558		310,681		4,001	(5,680	)	(1,679	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	3,760			(3,418		)	7,135			7,477			83		(9,579		)	(2,734		)	(158		)	(12,388		)	(4,911		)	86,339		81,428		173	(1,068	)	(895	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	4,818			(3,400		)	8,444			9,862			—		(21,751		)	(1,050		)	(360		)	(23,161		)	(13,299		)	106,723		93,424		351	(1,964	)	(1,613	)
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )	5,894			(3,008		)	6,995			9,881			200		(13,242		)	47,162			(43		)	34,077			43,958			104,113		148,071		6,047	(3,541	)	2,506
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )	2,875			(847		)	4,528			6,556			—		(39,398		)	40,404			(41		)	965			7,521			55,689		63,210		2,033	(1,930	)	103
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )	7,184			(3,729		)	10,354			13,809			—		(1,021		)	2,551			(85		)	1,445			15,254			144,395		159,649		1,475	(1,377	)	98
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	7,343			(6,303		)	16,028			17,068			240		(27,842		)	(13,455		)	(25		)	(41,082		)	(24,014		)	176,581		152,567		1,625	(4,475	)	(2,850	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )	1,825			(714		)	2,568			3,679			—		(4,544		)	(804		)	(59		)	(5,407		)	(1,728		)	46,057		44,329		13	(299	)	(286	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )	737			(1,114		)	1,970			1,593			—		(11,860		)	15			(41		)	(11,886		)	(10,293		)	25,686		15,393		84	(1,182	)	(1,098	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )	30,624			(9,264		)	23,818			45,178			40,789		(164,945		)	472,857			(710		)	347,991			393,169			281,474		674,643		40,385	(13,658	)	26,727
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )	(4,001		)	(12,443		)	32,805			16,361			1,107		(70,134		)	13,091			(2,347		)	(58,283		)	(41,922		)	370,385		328,463		4,846	(13,079	)	(8,233	)
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )	(938		)	(1,940		)	8,456			5,578			—		(9,446		)	81,184			(286		)	71,452			77,030			147,678		224,708		2,571	(348	)	2,223
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )	(1,626		)	(6,128		)	21,557			13,803			2,737		(24,383		)	(8,207		)	(507		)	(30,360		)	(16,557		)	225,185		208,628		1,641	(4,125	)	(2,484	)
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )	(1,295		)	(1,554		)	11,766			8,917			1,745		(9,629		)	16,630			(71		)	8,675			17,592			126,587		144,179		731	(357	)	374
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )	(2,003		)	(1,191		)	3,269			75			400		(11,247		)	211,276			(162		)	200,267			200,342			144,274		344,616		7,746	(1,001	)	6,745
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )	(50		)	(552		)	6,053			5,451			—		(3,409		)	71,953			—			68,544			73,995			4,327		78,322		3,487	(152	)	3,335
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )	(1,524		)	(1,933		)	9,473			6,016			7,704		(31,219		)	36,060			(267		)	12,278			18,294			210,712		229,006		2,734	(2,472	)	262
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )	(2,707		)	780			12,156			10,229			—		(28,100		)	71,734			(165		)	43,469			53,698			286,743		340,441		2,869	(1,551	)	1,318
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )	(4,147		)	(11,064		)	33,078			17,867			16,038		(85,188		)	26,038			(338		)	(43,450		)	(25,583		)	426,419		400,836		2,184	(3,811	)	(1,627	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )	(1,615		)	(4,256		)	17,313			11,442			—		(64,536		)	(67,496		)	(335		)	(132,367		)	(120,925		)	167,950		47,025		28	(5,247	)	(5,219	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )	(379		)	(444		)	(2,103		)	(2,926		)	—		(36,840		)	59,033			(74		)	22,119			19,193			32,221		51,414		6,522	(4,454	)	2,068
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )	(13,630		)	(39,536		)	83,514			30,348			112,369		(112,183		)	135,106			(2,306		)	132,986			163,334			1,161,187		1,324,521		40,519	(27,822	)	12,697
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )	(586		)	6,593			(1,016		)	4,991			—		(33,496		)	(14,551		)	(140		)	(48,187		)	(43,196		)	148,283		105,087		366	(2,034	)	(1,668	)
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )	(82		)	2,490			2,262			4,670			525		(9,433		)	15,192			(40		)	6,244			10,914			77,633		88,547		1,287	(885	)	402
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )	(1,926		)	50,971			(31,698		)	17,347			8,054		(78,201		)	(42,479		)	(2,123		)	(114,749		)	(97,402		)	421,433		324,031		1,126	(8,615	)	(7,489	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	99			9,577			320			9,996			186		(10,437		)	(8,446		)	(238		)	(18,935		)	(8,939		)	195,306		186,367		368	(1,914	)	(1,546	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	(298		)	29,337			(7,641		)	21,398			53,246		(54,069		)	7,405			(1,467		)	5,115			26,513			374,091		400,604		6,864	(6,337	)	527
Morgan Stanley UIF U.S. Real Estate (Grandmaster )	(715		)	11,841			(16,439		)	(5,313		)	2,309		(49,571		)	49,630			(90		)	2,278			(3,035		)	197,412		194,377		3,267	(3,630	)	(363	)
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )	(582		)	11,419			(5,037		)	5,800			580		(20,103		)	(6,976		)	(31		)	(26,530		)	(20,730		)	131,614		110,884		1,416	(3,673	)	(2,257	)
Morgan Stanley UIF U.S. Real Estate (IQ Advisor Standard )	(6		)	946			(907		)	33			—		(6,115		)	—			—			(6,115		)	(6,082		)	6,082		—		—	(215	)	(215	)
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )	(674		)	16,116			(4,488		)	10,954			1,370		(23,631		)	23,293			(244		)	788			11,742			191,519		203,261		1,185	(1,125	)	60
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	(1,733		)	1,546			22,679			22,492			778		(62,672		)	(4,864		)	(202		)	(66,960		)	(44,468		)	448,809		404,341		1,103	(6,609	)	(5,506	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )	(13,365		)	82,837			48,493			117,965			382,028		(206,514		)	366,953			(8,780		)	533,687			651,652			2,420,542		3,072,194		61,404	(19,970	)	41,434
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)	(1,866		)	3,104			(3,339		)	(2,101		)	120		(7,258		)	2,936			(528		)	(4,730		)	(6,831		)	122,294		115,463		531	(878	)	(347	)
BlackRock Capital Appreciation VI (AnnuiChoice II)	(7,668		)	16,321			(17,633		)	(8,980		)	96,509		(93,757		)	15,890			(1,636		)	17,006			8,026			690,937		698,963		4,816	(3,608	)	1,208
BlackRock Capital Appreciation VI (Annuichoice )	(515		)	193			(938		)	(1,260		)	—		(1,600		)	(14,598		)	(41		)	(16,239		)	(17,499		)	64,117		46,618		—	(1,191	)	(1,191	)
BlackRock Capital Appreciation VI (Grandmaster flex3 )	(471		)	518			(414		)	(367		)	—		—			2,147			—			2,147			1,780			29,241		31,021		292	(125	)	167
BlackRock Capital Appreciation VI Class III (Grandmaster )	(1,558		)	(21,503		)	8,637			(14,424		)	—		(1,243		)	(110,398		)	(1		)	(111,642		)	(126,066		)	157,391		31,325		72	(9,034	)	(8,962	)
BlackRock Capital Appreciation VI Class III (Pinnacle )	(529		)	956			(1,056		)	(629		)	—		(1,317		)	—			(3		)	(1,320		)	(1,949		)	40,640		38,691		—	(98	)	(98	)
BlackRock Capital Appreciation VI Class III (Pinnacle IV )	(1,365		)	2,298			(1,924		)	(991		)	—		(1,196		)	2,969			(26		)	1,747			756			94,707		95,463		314	(150	)	164
BlackRock Capital Appreciation VI Class III (Pinnacle V )	(55,437		)	109,637			(7,324		)	46,876			1,679,430		(169,522		)	63,021			(24,316		)	1,548,613			1,595,489			2,452,944		4,048,433		137,547	(17,629	)	119,918
BlackRock Global Allocation VI (Advantedge )	(1,615		)	(37,221		)	38,570			(266		)	120		(107,137		)	(85,831		)	(510		)	(193,358		)	(193,624		)	226,804		33,180		73	(18,369	)	(18,296	)
BlackRock Global Allocation VI (AnnuiChoice II)	922			(2,607		)	24,497			22,812			25,260		(77,872		)	77,091			(763		)	23,716			46,528			854,814		901,342		7,287	(5,113	)	2,174
BlackRock Global Allocation VI (Annuichoice )	258			(5,636		)	9,016			3,638			—		(978		)	(26,093		)	(202		)	(27,273		)	(23,635		)	171,032		147,397		112	(2,639	)	(2,527	)
BlackRock Global Allocation VI (Grandmaster flex3 )	(1,179		)	(11,824		)	17,196			4,193			—		(13,596		)	(39,488		)	(172		)	(53,256		)	(49,063		)	166,392		117,329		1,200	(6,046	)	(4,846	)
BlackRock Global Allocation VI (Grandmaster )	14			(474		)	2,338			1,878			—		(361		)	9,352			(12		)	8,979			10,857			66,795		77,652		1,035	(194	)	841

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 3 (continued):
BlackRock Global Allocation VI Class III (Pinnacle )	$	(426	)	$	(6,685	)	$	8,883		$	1,772		$	—	$	(2,510	)	$	(77,409	)	$	(3	)	$	(79,922	)	$	(78,150	)	$	91,471	$	13,321	303	(7,604	)	(7,301	)
BlackRock Global Allocation VI Class III (Pinnacle IV )	(718		)	(3,999		)	14,164			9,447			—		(7,131		)	26,751			(106		)	19,514			28,961			313,285		342,246		3,460	(1,472	)	1,988
BlackRock Global Allocation VI Class III (Pinnacle II Reduced M&E )	(36		)	(1,641		)	1,557			(120		)	—		(15,312		)	—			—			(15,312		)	(15,432		)	15,432		—		—	(1,422	)	(1,422	)
BlackRock Global Allocation VI Class III (Pinnacle V )	(1,058		)	(3,211		)	12,610			8,341			16,575		(33,992		)	43,550			(351		)	25,782			34,123			361,270		395,393		6,351	(3,944	)	2,407
BlackRock High Yield VI Class III (Annuichoice )*	42			1			122			165			—		(87		)	6,759			—			6,672			6,837			—		6,837		650	(8	)	642
BlackRock High Yield VI Class III (AnnuiChoice II)*	—			—			—			—			—		—			50			—			50			50			—		50		5	—		5
BlackRock High Yield VI Class III (Pinnacle V )*	321			8			354			683			17,783		—			7,567			(22		)	25,328			26,011			—		26,011		2,507	(56	)	2,451
BlackRock Total Return VI Class III (AnnuiChoice II)*	196			3			(1,203		)	(1,004		)	39,600		—			25,842			(252		)	65,190			64,186			—		64,186		6,534	(32	)	6,502
BlackRock Total Return VI Class III (Pinnacle )*	91			(3		)	(876		)	(788		)	—		—			36,020			—			36,020			35,232			—		35,232		3,588	(14	)	3,574
BlackRock Total Return VI Class III (Pinnacle V )*	196			(552		)	(4,312		)	(4,668		)	220,435		—			(4,018		)	(361		)	216,056			211,388			—		211,388		25,515	(4,043	)	21,472
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)	1,628			(1,939		)	18,972			18,661			—		(15,919		)	20,170			(2,977		)	1,274			19,935			393,642		413,577		3,160	(3,116	)	44
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )	9			(105		)	840			744			—		(635		)	—			—			(635		)	109			16,287		16,396		1	(63	)	(62	)
TOPS Managed Risk Moderate Growth ETF (Annuichoice )	(2		)	(584		)	433			(153		)	—		—			(5,923		)	—			(5,923		)	(6,076		)	6,076		—		—	(614	)	(614	)
TOPS Managed Risk Moderate Growth ETF (Advantedge )	(424		)	(614		)	11,306			10,268			—		(1,885		)	128,428			(654		)	125,889			136,157			160,332		296,489		13,262	(592	)	12,670
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )	16,523			(109,223		)	207,458			114,758			1,253,723		(43,469		)	(25,416		)	(23,238		)	1,161,600			1,276,358			1,568,510		2,844,868		283,383	(165,017	)	118,366
TOPS Managed Risk Moderate Growth ETF (Grandmaster )	67			1			86			154			—		(495		)	8,693			(3		)	8,195			8,349			—		8,349		862	(49	)	813
Non-Affiliated Class 4:
American Funds Bond (Pinnacle V )*	2,401			20			(17,807		)	(15,386		)	497,954		(3,008		)	101,530			(733		)	595,743			580,357			—		580,357		59,430	(339	)	59,091
American Funds Capital Income Builder (Pinnacle )	101			(7		)	(149		)	(55		)	—		(1,647		)	8,535			—			6,888			6,833			—		6,833		887	(171	)	716
American Funds Capital Income Builder (Pinnacle IV )	144			11			(556		)	(401		)	—		(1,592		)	17,299			(8		)	15,699			15,298			397		15,695		1,770	(166	)	1,604
American Funds Capital Income Builder (Pinnacle V )	3,579			(597		)	(3,572		)	(590		)	72,253		(419		)	179,148			(375		)	250,607			250,017			61,435		311,452		28,686	(2,544	)	26,142
American Funds Capital Income Builder (AnnuiChoice )	57			—			43			100			—		(86		)	6,759			—			6,673			6,773			—		6,773		714	(9	)	705
American Funds Capital Income Builder (AnnuiChoice II )	919			24			(1,589		)	(646		)	14,701		(2,279		)	48,935			(53		)	61,304			60,658			6,222		66,880		6,630	(313	)	6,317
American Funds Global Growth (AdvantEdge )	(987		)	242			(1,638		)	(2,383		)	—		(47,337		)	(43,494		)	(93		)	(90,924		)	(93,307		)	143,595		50,288		—	(8,396	)	(8,396	)
American Funds Global Growth (AnnuiChoice )	(826		)	23,775			(24,329		)	(1,380		)	41,406		(61,512		)	49,629			(443		)	29,080			27,700			326,318		354,018		5,534	(2,854	)	2,680
American Funds Global Growth (AnnuiChoice II )	(643		)	7,712			(8,308		)	(1,239		)	9,012		(8,080		)	(7,678		)	(45		)	(6,791		)	(8,030		)	150,095		142,065		1,445	(2,067	)	(622	)
American Funds Global Growth (GrandMaster )	(6,209		)	69,556			(76,654		)	(13,307		)	—		(53,479		)	(28,451		)	(286		)	(82,216		)	(95,523		)	1,018,562		923,039		239	(8,019	)	(7,780	)
American Funds Global Growth (GrandMaster flex3 )	(1,321		)	(6,712		)	8,816			783			—		(17,969		)	(88,181		)	(111		)	(106,261		)	(105,478		)	140,558		35,080		296	(9,803	)	(9,507	)
American Funds Global Growth (Pinnacle )	(212		)	(4,046		)	4,082			(176		)	40		(2,432		)	(24,896		)	(4		)	(27,292		)	(27,468		)	39,801		12,333		4	(2,468	)	(2,464	)
American Funds Global Growth (Pinnacle IV )	(18,142		)	173,798			(182,438		)	(26,782		)	—		(246,842		)	10,505			(491		)	(236,828		)	(263,610		)	2,503,997		2,240,387		1,604	(23,190	)	(21,586	)
American Funds Global Growth (Pinnacle V )	(54,171		)	491,299			(506,757		)	(69,629		)	214,203		(345,158		)	(64,848		)	(1,573		)	(197,376		)	(267,005		)	6,521,023		6,254,018		23,689	(41,063	)	(17,374	)
American Funds Growth (AdvantEdge )	(559		)	3,437			6,805			9,683			7,799		(23,197		)	187,471			(101		)	171,972			181,655			43,032		224,687		15,716	(1,465	)	14,251
American Funds Growth (AnnuiChoice )	(88		)	(113		)	3,363			3,162			—		(2,935		)	11,029			(52		)	8,042			11,204			18,011		29,215		1,909	(1,146	)	763
American Funds Growth (AnnuiChoice II )	(613		)	7,597			1,150			8,134			—		(6,898		)	3,361			(12		)	(3,549		)	4,585			110,545		115,130		293	(625	)	(332	)
American Funds Growth (GrandMaster )	(202		)	1,144			1,030			1,972			—		(393		)	(3,401		)	—			(3,794		)	(1,822		)	27,053		25,231		166	(477	)	(311	)
American Funds Growth (GrandMaster flex3 )	(102		)	957			(27		)	828			—		—			—			(18		)	(18		)	810			10,999		11,809		1	(2	)	(1	)
American Funds Growth (Pinnacle )	(237		)	2,001			409			2,173			80		(326		)	(2,378		)	(19		)	(2,643		)	(470		)	31,609		31,139		8	(239	)	(231	)
American Funds Growth (Pinnacle IV )	(814		)	7,131			1,463			7,780			5,759		(118		)	758			(34		)	6,365			14,145			87,074		101,219		1,101	(505	)	596
American Funds Growth (Pinnacle V )	(8,945		)	56,803			59,938			107,796			524,514		(147,286		)	666,408			(1,113		)	1,042,523			1,150,319			707,798		1,858,117		101,064	(13,582	)	87,482
American Funds Growth-Income (AdvantEdge )	(926		)	3,948			11,179			14,201			—		(62,126		)	(24,096		)	(528		)	(86,750		)	(72,549		)	193,471		120,922		11	(7,365	)	(7,354	)
American Funds Growth-Income (AnnuiChoice )	2,781			46,214			2,565			51,560			51,745		(77,654		)	170,337			(752		)	143,676			195,236			469,970		665,206		13,933	(2,212	)	11,721
American Funds Growth-Income (AnnuiChoice II )	765			18,208			1,732			20,705			69,400		(15,452		)	44,158			(706		)	97,400			118,105			129,039		247,144		9,934	(1,536	)	8,398
American Funds Growth-Income (GrandMaster )	(1,040		)	125,722			(10,889		)	113,793			—		(85,754		)	2,192			(357		)	(83,919		)	29,874			1,212,053		1,241,927		183	(7,278	)	(7,095	)
American Funds Growth-Income (GrandMaster flex3 )	3,055			9,788			13,200			26,043			1,000		(25,265		)	450,785			(157		)	426,363			452,406			149,163		601,569		38,009	(2,608	)	35,401
American Funds Growth-Income (Pinnacle )	1,207			(36		)	2,666			3,837			—		(2,390		)	144,762			(12		)	142,360			146,197			2,989		149,186		11,923	(208	)	11,715
American Funds Growth-Income (Pinnacle IV )	(5,656		)	312,423			(11,839		)	294,928			14,397		(309,919		)	104,717			(623		)	(191,428		)	103,500			3,167,219		3,270,719		10,732	(26,998	)	(16,266	)
American Funds Growth-Income (Pinnacle V )	(18,348		)	795,864			26,702			804,218			818,082		(526,541		)	371,999			(4,962		)	658,578			1,462,796			8,058,325		9,521,121		99,301	(43,185	)	56,116
American Funds New World (AdvantEdge )	(344		)	(2,493		)	4,615			1,778			15,568		(31,650		)	280			(93		)	(15,895		)	(14,117		)	35,149		21,032		42	(1,712	)	(1,670	)
American Funds New World (AnnuiChoice )	(19		)	(16		)	235			200			—		—			—			—			—			200			5,009		5,209		—	—		—
American Funds New World (AnnuiChoice II )	(92		)	(1,851		)	4,119			2,176			40,470		(5,800		)	8,462			(42		)	43,090			45,266			13,242		58,508		5,572	(753	)	4,819
American Funds New World (GrandMaster )	(24		)	(2,268		)	64			(2,228		)	—		(69		)	(25,038		)	—			(25,107		)	(27,335		)	31,246		3,911		176	(3,259	)	(3,083	)
American Funds New World (GrandMaster flex3 )	(267		)	(1,465		)	2,531			799			—		(1,869		)	1,029			(30		)	(870		)	(71		)	29,339		29,268		402	(519	)	(117	)
American Funds New World (Pinnacle )	(171		)	(2,276		)	3,608			1,161			—		—			(24,872		)	—			(24,872		)	(23,711		)	23,711		—		—	(2,662	)	(2,662	)
American Funds New World (Pinnacle IV )	(312		)	(1,651		)	2,899			936			—		(797		)	(4,121		)	(1		)	(4,919		)	(3,983		)	41,924		37,941		240	(833	)	(593	)
American Funds New World (Pinnacle V )	(802		)	(9,925		)	14,465			3,738			130,413		(537		)	4,397			(300		)	133,973			137,711			71,432		209,143		21,116	(6,372	)	14,744


See accompanying notes.
* - 2016 inception date of subaccount.



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )	$	(1,183	)	$	58,804		$	25,938		$	83,559		$	286	$	(11,081	)	$	(8,194	)	$	(235	)	$	(19,224	)	$	64,335		$	447,610	$	511,945	1,380	(2,207	)	(827	)
Deutsche Small Cap Index VIP (Pinnacle IV )	(93		)	2,069			2,543			4,519			—		(49		)	(108		)	(9		)	(166		)	4,353			23,486		27,839		—	(7	)	(7	)
Non-Affiliated Class B:
Deutsche Small Cap Index (AdvantEdge )	(66		)	4			2,274			2,212			—		—			20,903			—			20,903			23,115			—		23,115		1,259	—		1,259
Deutsche Small Cap Index (AnnuiChoice II )	(385		)	13,310			10,935			23,860			—		(3,976		)	12,556			(59		)	8,521			32,381			115,585		147,966		1,065	(514	)	551
Deutsche Small Cap Index (AnnuiChoice )	(25		)	9,548			4,476			13,999			1,764		(32,952		)	(60		)	(142		)	(31,390		)	(17,391		)	99,059		81,668		—	(1,398	)	(1,398	)
Deutsche Small Cap Index (GrandMaster flex3 )	(493		)	3,107			8,711			11,325			—		(3,183		)	13,399			(56		)	10,160			21,485			50,817		72,302		797	(301	)	496
Deutsche Small Cap Index (Grandmaster )	(575		)	5,422			13,870			18,717			—		(1,275		)	(11,392		)	(3		)	(12,670		)	6,047			118,303		124,350		215	(950	)	(735	)
Deutsche Small Cap Index (IQ3 )	(577		)	14,980			1,175			15,578			—		(2,128		)	(26,050		)	(92		)	(28,270		)	(12,692		)	101,667		88,975		286	(1,598	)	(1,312	)
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )	(30		)	617			1,070			1,657			—		(519		)	—			(9		)	(528		)	1,129			8,558		9,687		—	(27	)	(27	)
Deutsche Small Cap Index (Pinnacle Plus )	(206		)	10,459			(2,435		)	7,818			—		(22,501		)	93			(30		)	(22,438		)	(14,620		)	52,823		38,203		35	(1,016	)	(981	)
Deutsche Small Cap Index VIP (Pinnacle IV )	(1,476		)	19,919			21,660			40,103			3,656		(31,685		)	(5,133		)	(115		)	(33,277		)	6,826			257,274		264,100		58	(1,781	)	(1,723	)
Deutsche Small Cap Index VIP (Pinnacle V )	(4,937		)	41,078			76,466			112,607			73,373		(56,655		)	306,699			(741		)	322,676			435,283			327,551		762,834		28,470	(4,261	)	24,209
Advisor Class:
Pimco VIT All Asset (AdvantEdge )	880			(5,105		)	11,549			7,324			—		(24,646		)	44,750			(66		)	20,038			27,362			65,725		93,087		3,960	(2,296	)	1,664
Pimco VIT All Asset (IQ Annuity )	3,381			(7,968		)	33,343			28,756			—		(1,232		)	27,961			(99		)	26,630			55,386			267,992		323,378		5,347	(3,268	)	2,079
Pimco VIT All Asset (Pinnacle )	1,898			(319		)	14,235			15,814			—		(644		)	27,199			(54		)	26,501			42,315			122,755		165,070		2,422	(103	)	2,319
Pimco VIT All Asset (Pinnacle II Reduced M&E )	(14		)	(574		)	2,701			2,113			—		(56,315		)	40,991			—			(15,324		)	(13,211		)	13,211		—		3,546	(4,738	)	(1,192	)
Pimco VIT All Asset (AnnuiChoice II )	1,742			(3,707		)	15,862			13,897			—		(11,451		)	(7,830		)	(412		)	(19,693		)	(5,796		)	137,103		131,307		445	(2,176	)	(1,731	)
Pimco VIT All Asset (AnnuiChoice )	313			(4,567		)	6,747			2,493			—		(20,937		)	(396		)	(49		)	(21,382		)	(18,889		)	41,902		23,013		11	(1,901	)	(1,890	)
Pimco VIT All Asset (GrandMaster flex3 )	2,043			(2,450		)	17,232			16,825			—		(10,068		)	95,333			(53		)	85,212			102,037			102,061		204,098		8,704	(1,156	)	7,548
Pimco VIT All Asset (Grandmaster )	1,303			(8,159		)	20,270			13,414			—		(52,135		)	55,306			(33		)	3,138			16,552			105,275		121,827		5,021	(4,647	)	374
Pimco VIT All Asset (Pinnacle IV )	1,589			(3,473		)	16,887			15,003			21,920		(15,650		)	(1,176		)	(11		)	5,083			20,086			131,673		151,759		1,942	(1,512	)	430
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )	168			7			1,140			1,315			—		—			—			(14		)	(14		)	1,301			11,326		12,627		—	(2	)	(2	)
Pimco VIT All Asset (Pinnacle Plus )	131			—			82			213			—		—			10,264			—			10,264			10,477			—		10,477		882	—		882
Pimco VIT All Asset (Pinnacle V )	6,237			(6,043		)	58,043			58,237			48,643		(180,881		)	522,246			(407		)	389,601			447,838			162,289		610,127		54,027	(18,521	)	35,506
Pimco VIT Foreign Bond (AnnuiChoice )*	15			9			(45		)	(21		)	—		—			2,548			—			2,548			2,527			—		2,527		245	—		245
Pimco VIT Foreign Bond (Pinnacle V )*	41			37			(183		)	(105		)	1,080		—			8,911			—			9,991			9,886			—		9,886		964	—		964
Pimco VIT Commodity Real Return (Pinnacle )	(56		)	(5,782		)	7,788			1,950			—		(4,218		)	10,716			(7		)	6,491			8,441			11,238		19,679		2,935	(1,332	)	1,603
Pimco VIT Commodity Real Return (Pinnacle IV )	(268		)	(19,032		)	26,633			7,333			—		(5,120		)	(8,844		)	(14		)	(13,978		)	(6,645		)	55,117		48,472		1,397	(4,618	)	(3,221	)
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )	(35		)	(617		)	2,245			1,593			—		(17,986		)	16,396			(6		)	(1,596		)	(3		)	1,744		1,741		4,180	(4,235	)	(55	)
Pimco VIT Commodity Real Return (Pinnacle V )	(7,644		)	(308,997		)	467,620			150,979			342,934		(157,146		)	216,905			(6,058		)	396,635			547,614			963,248		1,510,862		209,379	(111,007	)	98,372
Pimco VIT Commodity Real Return Strategy (AdvantEdge )	(1,823		)	(82,056		)	121,315			37,436			554		(29,503		)	19,282			(1,821		)	(11,488		)	25,948			282,230		308,178		11,133	(13,672	)	(2,539	)
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )	(274		)	(35,215		)	67,771			32,282			44,324		(15,834		)	30,213			(1,226		)	57,477			89,759			197,774		287,533		22,030	(7,855	)	14,175
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )	(7		)	(22,996		)	25,988			2,985			83		(1,474		)	(18,161		)	(44		)	(19,596		)	(16,611		)	26,544		9,933		47	(4,583	)	(4,536	)
Pimco VIT Commodity Real Return Strategy (Grandmaster )	(147		)	(16,565		)	22,474			5,762			—		(21,480		)	21,057			(12		)	(435		)	5,327			25,922		31,249		6,189	(5,756	)	433
Pimco VIT Commodity Real Return Strategy (IQ Annuity )	(302		)	(6,894		)	16,051			8,855			—		(2,559		)	71,176			(34		)	68,583			77,438			50,724		128,162		17,919	(1,438	)	16,481
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )	(219		)	(20,216		)	28,194			7,759			200		(13,456		)	34,613			(15		)	21,342			29,101			35,529		64,630		10,497	(4,750	)	5,747
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )	1			(876		)	1,238			363			—		(279		)	246			(12		)	(45		)	318			4,807		5,125		465	(522	)	(57	)
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )	(86		)	(3,000		)	4,444			1,358			—		—			(2,515		)	(11		)	(2,526		)	(1,168		)	11,801		10,633		1	(641	)	(640	)
Pimco VIT Long Term Government (IQ Annuity )	16			58			(1,603		)	(1,529		)	—		(151		)	11,332			(1		)	11,180			9,651			1,174		10,825		1,137	(168	)	969
Pimco VIT Long Term Government (Pinnacle )	136			5,032			(2,467		)	2,701			—		(1,130		)	(3,157		)	(7		)	(4,294		)	(1,593		)	26,573		24,980		11,892	(12,014	)	(122	)
Pimco VIT Long Term Government (Pinnacle V )	161			74			(7,561		)	(7,326		)	—		(1,406		)	68,061			(22		)	66,633			59,307			7,353		66,660		6,346	(364	)	5,982
Pimco VIT Long Term Government (AdvantEdge )	100			(2,235		)	31			(2,104		)	—		—			2,104			—			2,104			—			—		—		6,556	(6,556	)	—
Pimco VIT Long Term Government (Pinnacle IV )	1,082			(31,940		)	(33,577		)	(64,435		)	297,577		(22,311		)	(129,412		)	(263		)	145,591			81,156			196,918		278,074		102,001	(93,597	)	8,404
Pimco VIT Long Term Government (Annuichoice )	297			3,856			(3,103		)	1,050			—		(9,247		)	(1,285		)	(21		)	(10,553		)	(9,503		)	27,152		17,649		1,889	(2,818	)	(929	)
Pimco VIT Long Term Government (AnnuiChoice II )	283			462			(2,499		)	(1,754		)	—		(623		)	17,883			(19		)	17,241			15,487			29,598		45,085		2,644	(1,084	)	1,560
Pimco VIT Low Duration (AnnuiChoice II )	3,102			(43,103		)	38,247			(1,754		)	66,000		(234,154		)	(255,767		)	(1,647		)	(425,568		)	(427,322		)	1,568,545		1,141,223		81,064	(118,545	)	(37,481	)
Pimco VIT Low Duration (AnnuiChoice )	376			(2,294		)	2,350			432			—		(6,320		)	(48,442		)	(190		)	(54,952		)	(54,520		)	116,290		61,770		6	(4,717	)	(4,711	)
Pimco VIT Low Duration (GrandMaster flex3 )	(6,288		)	(168,611		)	98,788			(76,111		)	137,883		(472,949		)	(4,186,050		)	(123		)	(4,521,239		)	(4,597,350		)	5,009,958		412,608		1,131,180	(1,544,322	)	(413,142	)
Pimco VIT Low Duration (Grandmaster )	(73		)	(14,664		)	11,694			(3,043		)	—		(278,933		)	(16,298		)	(119		)	(295,350		)	(298,393		)	618,842		320,449		97,727	(124,117	)	(26,390	)
Pimco VIT Low Duration (IQ Annuity )	(613		)	(27,132		)	21,262			(6,483		)	—		(16,017		)	(597,149		)	(159		)	(613,325		)	(619,808		)	831,271		211,463		72,682	(127,933	)	(55,251	)
Pimco VIT Low Duration (Pinnacle )	(406		)	(75,607		)	43,567			(32,446		)	—		(86,887		)	(1,957,009		)	(134		)	(2,044,030		)	(2,076,476		)	2,198,581		122,105		503,105	(686,865	)	(183,760	)
Pimco VIT Low Duration (Pinnacle IV )	(241		)	(5,149		)	3,392			(1,998		)	—		(45,011		)	14,994			(112		)	(30,129		)	(32,127		)	200,479		168,352		39,900	(42,751	)	(2,851	)
Pimco VIT Low Duration (Pinnacle II Reduced M&E )	6			(4,795		)	3,847			(942		)	—		(1,056		)	(189,813		)	—			(190,869		)	(191,811		)	191,811		—		16,034	(32,844	)	(16,810	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Advisor Class (continued):
Pimco VIT Low Duration (AdvantEdge )	$	(159	)	$	(48	)	$	(24	)	$	(231	)	$	—	$	—		$	—		$	(112	)	$	(112	)	$	(343	)	$	73,188	$	72,845	—	(10	)	(10	)
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )	58			(437		)	334			(45		)	—		(11,895		)	12,105			(63		)	147			102			36,888		36,990		1,197	(1,192	)	5
Pimco VIT Low Duration (Pinnacle Plus )	(98		)	(514		)	498			(114		)	—		—			(12,105		)	(17		)	(12,122		)	(12,236		)	40,473		28,237		—	(1,100	)	(1,100	)
Pimco VIT Low Duration (Pinnacle V )	(3,614		)	(25,311		)	17,394			(11,531		)	545,907		(66,830		)	1,399,800			(5,729		)	1,873,148			1,861,617			975,248		2,836,865		254,529	(85,911	)	168,618
Pimco VIT Real Return (Pinnacle IV )	849			(5,853		)	9,485			4,481			50		(28,157		)	1,222			(26		)	(26,911		)	(22,430		)	130,624		108,194		154	(2,469	)	(2,315	)
Pimco VIT Real Return (AdvantEdge )	149			(5,138		)	6,066			1,077			—		(23,314		)	259			(114		)	(23,169		)	(22,092		)	48,564		26,472		48	(2,103	)	(2,055	)
Pimco VIT Real Return (AnnuiChoice II )	2,716			(2,928		)	10,413			10,201			199,015		(216,067		)	1,826			(261		)	(15,487		)	(5,286		)	257,724		252,438		199	(1,472	)	(1,273	)
Pimco VIT Real Return (AnnuiChoice )	1,385			(2,752		)	6,037			4,670			250		(5,096		)	(4,854		)	(26		)	(9,726		)	(5,056		)	123,500		118,444		21	(845	)	(824	)
Pimco VIT Real Return (GrandMaster flex3 )	270			(1,245		)	2,564			1,589			—		(14,922		)	—			(17		)	(14,939		)	(13,350		)	48,957		35,607		—	(1,296	)	(1,296	)
Pimco VIT Real Return (Grandmaster )	620			(282		)	2,371			2,709			—		—			(495		)	(5		)	(500		)	2,209			73,815		76,024		1	(43	)	(42	)
Pimco VIT Real Return (IQ Annuity )	878			(403		)	3,621			4,096			—		(374		)	9,178			(91		)	8,713			12,809			107,523		120,332		841	(75	)	766
Pimco VIT Real Return (Pinnacle )	153			(51		)	580			682			—		(642		)	—			(21		)	(663		)	19			18,336		18,355		—	(56	)	(56	)
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )	294			(38		)	834			1,090			—		(320		)	—			(104		)	(424		)	666			28,025		28,691		—	(41	)	(41	)
Pimco VIT Real Return (Pinnacle Plus )	455			(99		)	(492		)	(136		)	—		(960		)	42,491			(6		)	41,525			41,389			5,536		46,925		3,670	(84	)	3,586
Pimco VIT Real Return (Pinnacle V )	2,480			(7,994		)	17,949			12,435			24,680		(38,444		)	17,743			(340		)	3,639			16,074			370,629		386,703		4,840	(4,560	)	280
Pimco VIT Total Return (Pinnacle V )	103,927			(117,543		)	217,828			204,212			3,936,326		(1,743,524		)	354,445			(139,347		)	2,407,900			2,612,112			23,538,787		26,150,899		343,137	(161,480	)	181,657
Pimco VIT Total Return (AdvantEdge )	20,502			(77,358		)	125,644			68,788			36,858		(917,868		)	(333,317		)	(27,520		)	(1,241,847		)	(1,173,059		)	6,064,569		4,891,510		16,474	(110,664	)	(94,190	)
Pimco VIT Total Return (AnnuiChoice II )	35,410			(29,471		)	42,334			48,273			663,951		(315,911		)	(22,661		)	(15,938		)	309,441			357,714			4,027,986		4,385,700		58,853	(36,654	)	22,199
Pimco VIT Total Return (AnnuiChoice )	5,499			(3,218		)	7,372			9,653			225		(37,031		)	(22,342		)	(585		)	(59,733		)	(50,080		)	579,773		529,693		2,144	(6,498	)	(4,354	)
Pimco VIT Total Return (GrandMaster flex3 )	1,742			(5,819		)	8,312			4,235			200		(32,851		)	(1,729		)	(287		)	(34,667		)	(30,432		)	425,010		394,578		4,218	(6,896	)	(2,678	)
Pimco VIT Total Return (Grandmaster )	3,165			(4,156		)	7,494			6,503			—		(35,533		)	(2,549		)	(117		)	(38,199		)	(31,696		)	512,469		480,773		2,865	(5,739	)	(2,874	)
Pimco VIT Total Return (IQ Annuity )	4,467			(7,966		)	13,409			9,910			82		(56,585		)	(64,792		)	(1,078		)	(122,373		)	(112,463		)	935,005		822,542		509	(9,915	)	(9,406	)
Pimco VIT Total Return (Pinnacle )	5,864			(7,837		)	16,135			14,162			—		(73,495		)	(76,952		)	(132		)	(150,579		)	(136,417		)	990,996		854,579		293	(11,561	)	(11,268	)
Pimco VIT Total Return (Pinnacle IV )	3,119			(8,700		)	13,651			8,070			5,383		(73,225		)	(24,854		)	(162		)	(92,858		)	(84,788		)	637,049		552,261		7,833	(14,772	)	(6,939	)
Pimco VIT Total Return (Pinnacle II Reduced M&E )	27			(887		)	998			138			—		(14,747		)	—			—			(14,747		)	(14,609		)	14,609		—		1	(1,114	)	(1,113	)
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )	671			(1,156		)	1,989			1,504			—		(12,589		)	(1,724		)	(197		)	(14,510		)	(13,006		)	82,651		69,645		3,318	(4,619	)	(1,301	)
Pimco VIT Total Return (Pinnacle Plus )	1,351			(13,435		)	18,399			6,315			—		(144,469		)	(1,652		)	(797		)	(146,918		)	(140,603		)	449,329		308,726		15,624	(26,921	)	(11,297	)
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )	373			(2,145		)	(126		)	(1,898		)	—		—			(12,211		)	(4		)	(12,215		)	(14,113		)	15,346		1,233		837	(2,724	)	(1,887	)
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )	166			(252		)	(799		)	(885		)	—		(799		)	(4,554		)	—			(5,353		)	(6,238		)	8,995		2,757		—	(782	)	(782	)
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )	7,497			(11,461		)	(55,271		)	(59,235		)	6,571		(26,045		)	37,480			(1,859		)	16,147			(43,088		)	376,512		333,424		8,912	(6,039	)	2,873
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )	4,095			(4,076		)	(32,286		)	(32,267		)	554		(31,525		)	35,769			(1,117		)	3,681			(28,586		)	214,121		185,535		5,979	(4,997	)	982
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )	1,872			(1,019		)	(12,459		)	(11,606		)	—		(7,990		)	5,136			(280		)	(3,134		)	(14,740		)	74,416		59,676		1,219	(1,700	)	(481	)
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )	954			(3,843		)	(4,063		)	(6,952		)	—		(12,086		)	(12,287		)	—			(24,373		)	(31,325		)	51,397		20,072		—	(3,791	)	(3,791	)
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )	498			(4,931		)	773			(3,660		)	—		(13,268		)	—			(41		)	(13,309		)	(16,969		)	23,713		6,744		1	(2,149	)	(2,148	)
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )	173			(34		)	(1,624		)	(1,485		)	—		—			—			(1		)	(1		)	(1,486		)	9,172		7,686		—	—		—
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )	(1,136		)	4,202			(4,838		)	(1,772		)	—		(21,215		)	(14,357		)	(668		)	(36,240		)	(38,012		)	91,915		53,903		3,292	(7,474	)	(4,182	)
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )	(1,461		)	1,272			(2,125		)	(2,314		)	—		(9,854		)	501			(462		)	(9,815		)	(12,129		)	146,204		134,075		878	(1,964	)	(1,086	)
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )	(118		)	155			(239		)	(202		)	—		(2,125		)	—			(2		)	(2,127		)	(2,329		)	14,820		12,491		—	(236	)	(236	)
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )	(84		)	87			(148		)	(145		)	—		(1,550		)	—			(7		)	(1,557		)	(1,702		)	6,048		4,346		1	(185	)	(184	)
Guggenheim VT Multi-Hedge Strategies (Grandmaster )	(494		)	4,935			(5,149		)	(708		)	—		(38,783		)	(251		)	—			(39,034		)	(39,742		)	53,107		13,365		—	(4,455	)	(4,455	)
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )	(390		)	2,494			(2,727		)	(623		)	—		(15,538		)	—			(15		)	(15,553		)	(16,176		)	41,490		25,314		—	(1,783	)	(1,783	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle )	(6		)	2			(2		)	(6		)	—		—			—			(2		)	(2		)	(8		)	339		331		—	—		—
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )	(649		)	426			(719		)	(942		)	—		(5,657		)	1,659			(22		)	(4,020		)	(4,962		)	50,673		45,711		190	(646	)	(456	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )	(31		)	2			3			(26		)	—		(763		)	7,720			(1		)	6,956			6,930			97		7,027		713	(71	)	642
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )	(360		)	478			(636		)	(518		)	—		(17		)	(7,720		)	(15		)	(7,752		)	(8,270		)	26,038		17,768		—	(911	)	(911	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )	(2,400		)	3,150			(4,249		)	(3,499		)	11,734		(51,365		)	5,447			(642		)	(34,826		)	(38,325		)	191,043		152,718		2,218	(6,194	)	(3,976	)
Guggenheim VT Long Short Equity (AdvantEdge )	(272		)	(894		)	1,124			(42		)	—		(17,624		)	21,603			(58		)	3,921			3,879			21,217		25,096		2,250	(1,839	)	411
Guggenheim VT Long Short Equity (AnnuiChoice II )	(754		)	4,289			(4,136		)	(601		)	—		(6,224		)	(1,759		)	(66		)	(8,049		)	(8,650		)	74,707		66,057		143	(944	)	(801	)
Guggenheim VT Long Short Equity (AnnuiChoice )	(679		)	275			178			(226		)	—		—			727			(91		)	636			410			69,295		69,705		73	(9	)	64
Guggenheim VT Long Short Equity (GrandMaster flex3 )	(135		)	(6		)	61			(80		)	—		—			—			—			—			(80		)	8,939		8,859		—	—		—
Guggenheim VT Long Short Equity (Grandmaster )	(30		)	(12		)	19			(23		)	—		(201		)	—			(3		)	(204		)	(227		)	2,334		2,107		—	(21	)	(21	)
Guggenheim VT Long Short Equity (IQ Annuity )	(514		)	2,549			(2,922		)	(887		)	—		(11,066		)	71			(26		)	(11,021		)	(11,908		)	46,014		34,106		9	(1,190	)	(1,181	)
Guggenheim VT Long Short Equity (Pinnacle )	(69		)	(253		)	215			(107		)	—		—			(9,184		)	(2		)	(9,186		)	(9,293		)	9,620		327		—	(936	)	(936	)
Guggenheim VT Long Short Equity (Pinnacle IV )	(401		)	2,302			(2,293		)	(392		)	50		(9,422		)	(1,718		)	(21		)	(11,111		)	(11,503		)	33,284		21,781		86	(1,204	)	(1,118	)
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )	(50		)	(21		)	37			(34		)	—		(386		)	—			(3		)	(389		)	(423		)	4,684		4,261		—	(34	)	(34	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Investor Class (continued):
Guggenheim VT Long Short Equity (Pinnacle Plus )	$	(132	)	$	15		$	34		$	(83	)	$	—	$	—		$	—		$	(10	)	$	(10	)	$	(93	)	$	8,117	$	8,024	—	(1	)	(1	)
Guggenheim VT Long Short Equity (Pinnacle V )	(967		)	(954		)	996			(925		)	1,490		(19,411		)	3,575			(196		)	(14,542		)	(15,467		)	80,940		65,473		559	(2,039	)	(1,480	)
ETF Shares:
iShares Core US Aggregate Bond ETF (Varoom ®)	645			834			(635		)	844			—		(5,023		)	—			—			(5,023		)	(4,179		)	112,468		108,289		—	(181	)	(181	)
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)	(1,375		)	8,853			(7,890		)	(412		)	12,039		(55,693		)	23,169			—			(20,485		)	(20,897		)	539,498		518,601		1,936	(2,709	)	(773	)
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)	170			63			(49		)	184			—		(67,547		)	67,811			—			264			448			41,337		41,785		11	—		11
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)	(3,721		)	8,553			(9,157		)	(4,325		)	92,023		(13,614		)	(18,964		)	—			59,445			55,120			793,164		848,284		6,677	(4,278	)	2,399
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)	(412		)	3,563			(1,816		)	1,335			7,480		(16,702		)	8,732			—			(490		)	845			239,502		240,347		866	(895	)	(29	)
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)	102			17			126			245			—		—			—			—			—			245			18,221		18,466		—	—		—
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)	(3,022		)	2,151			1,534			663			83,728		(17,693		)	72,188			—			138,223			138,886			774,840		913,726		6,727	(1,385	)	5,342
iShares TIPS Bond ETF (Varoom)	(262		)	2			2,646			2,386			—		(921		)	—			—			(921		)	1,465			83,008		84,473		—	(34	)	(34	)
iShares TIPS Bond ETF (Varoom GLWB 2)	(487		)	(735		)	2,202			980			—		(10,895		)	552			—			(10,343		)	(9,363		)	46,067		36,704		83	(494	)	(411	)
iShares TIPS Bond ETF (Varoom GLWB 3)	(9		)	(9		)	119			101			—		(71		)	—			—			(71		)	30			3,817		3,847		—	(3	)	(3	)
iShares TIPS Bond ETF (Varoom GLWB 5)	(1,166		)	(129		)	2,566			1,271			6,785		(1,519		)	1,404			—			6,670			7,941			84,950		92,891		502	(216	)	286
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)	584			52			1,074			1,710			—		—			—			—			—			1,710			14,971		16,681		—	—		—
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)	568			(1,227		)	2,943			2,284			—		(9,889		)	(513		)	—			(10,402		)	(8,118		)	23,711		15,593		17	(374	)	(357	)
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)	7,136			(69		)	7,023			14,090			295,999		(13,142		)	14,039			—			296,896			310,986			62,556		373,542		10,109	(106	)	10,003
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)	6,120			3,237			13,533			22,890			11,416		(4,204		)	(20,327		)	—			(13,115		)	9,775			223,902		233,677		553	(1,009	)	(456	)
iShares S&P 500 Growth ETF (Varoom)	(436		)	8,344			(1,547		)	6,361			438		(18,588		)	—			—			(18,150		)	(11,789		)	150,156		138,367		15	(434	)	(419	)
iShares S&P 500 Growth ETF (Varoom GLWB 1)	(5,526		)	46,245			(10,554		)	30,165			9,816		(64,825		)	9,026			—			(45,983		)	(15,818		)	660,488		644,670		830	(1,831	)	(1,001	)
iShares S&P 500 Growth ETF (Varoom GLWB 2)	(367		)	1,895			45			1,573			—		(3,480		)	632			—			(2,848		)	(1,275		)	34,801		33,526		53	(114	)	(61	)
iShares S&P 500 Growth ETF (Varoom GLWB 3)	(476		)	2,593			3,052			5,169			136,741		(8,563		)	4,905			—			133,083			138,252			98,004		236,256		3,215	(217	)	2,998
iShares S&P 500 Growth ETF (Varoom GLWB 4)	(54,471		)	96,928			203,625			246,082			812,025		(154,124		)	137,074			—			794,975			1,041,057			5,004,196		6,045,253		23,918	(4,505	)	19,413
iShares S&P 500 Growth ETF (Varoom GLWB 5)	(1,531		)	2,215			4,310			4,994			9,262		(2,369		)	3,389			—			10,282			15,276			119,608		134,884		379	(129	)	250
iShares Core S&P 500 Index ETF (Varoom)	1,831			17,590			25,686			45,107			1,314		(106,938		)	166,244			—			60,620			105,727			386,343		492,070		2,146	(698	)	1,448
iShares Core S&P 500 Index ETF (Varoom GLWB 1)	(14,921		)	756,940			943			742,962			126,609		(898,481		)	(319,460		)	—			(1,091,332		)	(348,370		)	8,170,050		7,821,680		7,973	(33,463	)	(25,490	)
iShares Core S&P 500 Index ETF (Varoom GLWB 2)	(2,755		)	51,555			16,321			65,121			3,238		(58,044		)	(12,862		)	—			(67,668		)	(2,547		)	722,742		720,195		497	(2,095	)	(1,598	)
iShares Core S&P 500 Index ETF (Varoom GLWB 3)	3,304			46,150			55,782			105,236			95,582		(210,644		)	224,192			—			109,130			214,366			949,410		1,163,776		6,899	(4,275	)	2,624
iShares Core S&P 500 Index ETF (Varoom GLWB 4)	(172,199		)	778,734			4,269,171			4,875,706			8,690,913		(1,678,255		)	(152,095		)	—			6,860,563			11,736,269			45,586,844		57,323,113		206,142	(35,376	)	170,766
iShares Core S&P 500 Index ETF (Varoom GLWB 5)	(15,060		)	92,526			170,472			247,938			262,049		(71,537		)	(41,224		)	—			149,288			397,226			2,531,361		2,928,587		8,715	(4,858	)	3,857
iShares S&P 500 Value ETF (Varoom)	635			7,184			5,654			13,473			—		(39,963		)	54,289			—			14,326			27,799			71,178		98,977		749	(367	)	382
iShares S&P 500 Value ETF (Varoom GLWB 1)	140			49,970			2,512			52,622			1,922		(16,459		)	(73,509		)	—			(88,046		)	(35,424		)	413,504		378,080		258	(2,497	)	(2,239	)
iShares S&P 500 Value ETF (Varoom GLWB 2)	(54		)	1,748			3,618			5,312			—		—			(2,644		)	—			(2,644		)	2,668			37,087		39,755		10	(72	)	(62	)
iShares S&P 500 Value ETF (Varoom GLWB 3)	1,494			1,398			28,513			31,405			187,483		(6,804		)	1,371			—			182,050			213,455			129,568		343,023		4,415	(159	)	4,256
iShares S&P 500 Value ETF (Varoom GLWB 4)	(2,192		)	70,863			221,673			290,344			210,364		(92,990		)	(35,739		)	—			81,635			371,979			1,907,590		2,279,569		6,587	(4,341	)	2,246
iShares S&P 500 Value ETF (Varoom GLWB 5)	(584		)	9,483			12,848			21,747			7,803		(2,043		)	(4,363		)	—			1,397			23,144			136,732		159,876		906	(817	)	89
iShares Core S&P MidCap Index ETF (Varoom)	(84		)	10,573			26,355			36,844			438		(45,419		)	54,205			—			9,224			46,068			187,475		233,543		774	(522	)	252
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)	(14,948		)	283,010			120,536			388,598			34,587		(248,004		)	(205,426		)	—			(418,843		)	(30,245		)	2,276,523		2,246,278		3,276	(13,413	)	(10,137	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)	(2,212		)	42,383			7,210			47,381			8,246		(41,275		)	(12,171		)	—			(45,200		)	2,181			286,052		288,233		946	(2,079	)	(1,133	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)	(163		)	7,791			56,908			64,536			196,837		(48,062		)	46,362			—			195,137			259,673			271,950		531,623		5,737	(1,180	)	4,557
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)	(119,654		)	466,987			2,209,912			2,557,245			2,428,326		(485,555		)	(690,512		)	—			1,252,259			3,809,504			12,900,467		16,709,971		57,458	(22,850	)	34,608
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)	(5,392		)	31,365			80,274			106,247			67,396		(10,322		)	(12,268		)	—			44,806			151,053			550,277		701,330		4,044	(2,782	)	1,262
iShares Core S&P Small Cap Index ETF (Varoom)	(575		)	8,741			24,688			32,854			219		(30,793		)	25,948			—			(4,626		)	28,228			133,503		161,731		380	(470	)	(90	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)	(11,452		)	173,807			90,369			252,724			17,293		(124,912		)	(138,451		)	—			(246,070		)	6,654			1,138,798		1,145,452		1,812	(7,444	)	(5,632	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)	(1,770		)	17,849			16,444			32,523			678		(10,574		)	(15,362		)	—			(25,258		)	7,265			143,635		150,900		196	(768	)	(572	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)	(1,112		)	2,936			61,200			63,024			167,449		(24,629		)	24,599			—			167,419			230,443			171,855		402,298		4,425	(628	)	3,797
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)	(87,360		)	341,250			1,450,589			1,704,479			1,214,163		(244,691		)	(588,834		)	—			380,638			2,085,117			6,453,854		8,538,971		27,571	(15,577	)	11,994
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)	(6,891		)	35,800			101,259			130,168			56,058		(36,133		)	27,587			—			47,512			177,680			481,526		659,206		4,053	(2,659	)	1,394
iShares International Treasury Bond (Varoom)	(358		)	(242		)	(849		)	(1,449		)	219		(15,396		)	30,426			—			15,249			13,800			25,908		39,708		705	(76	)	629
iShares International Treasury Bond (Varoom GLWB 1)	(19,729		)	(13,334		)	24,928			(8,135		)	17,293		(118,789		)	2,673			—			(98,823		)	(106,958		)	1,155,364		1,048,406		4,700	(8,862	)	(4,162	)
iShares International Treasury Bond (Varoom GLWB 2)	(367		)	(189		)	297			(259		)	147		(1,988		)	(47		)	—			(1,888		)	(2,147		)	18,146		15,999		59	(146	)	(87	)
iShares International Treasury Bond (Varoom GLWB 3)	(399		)	780			(1,908		)	(1,527		)	13,611		(23,081		)	24,312			—			14,842			13,315			28,926		42,241		1,504	(888	)	616
iShares International Treasury Bond (Varoom GLWB 4)	(137,559		)	(3,690		)	(46,162		)	(187,411		)	1,214,163		(235,592		)	387,796			—			1,366,367			1,178,956			6,552,875		7,731,831		75,077	(14,721	)	60,356
iShares International Treasury Bond (Varoom GLWB 5)	(837		)	(36		)	(319		)	(1,192		)	9,269		(159		)	660			—			9,770			8,578			32,379		40,957		545	(110	)	435
Vanguard Dividend Appreciation Index Fund ETF (Varoom)	1,023			4,076			17,426			22,525			—		(20,274		)	—			—			(20,274		)	2,251			234,207		236,458		—	(512	)	(512	)
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)	(2,073		)	47,719			(2,052		)	43,594			9,974		(81,876		)	(8,532		)	—			(80,434		)	(36,840		)	506,652		469,812		754	(2,857	)	(2,103	)

See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2016



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																				Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges		Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
ETF Shares (continued):
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)	$	897		$	2,537		$	7,766		$	11,200		$	166,764	$	(20,799	)	$	13,179		$	—	$	159,144		$	170,344		$	114,296	$	284,640	4,172	(196	)	3,976
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)	(7,020		)	47,105			65,595			105,680			103,322		(61,303		)	(28,903		)	—		13,116			118,796			1,159,816		1,278,612		3,585	(3,181	)	404
Vanguard Emerging Markets Index Fund ETF (Varoom)	135			(798		)	2,854			2,191			—		(5,644		)	—			—		(5,644		)	(3,453		)	24,786		21,333		—	(299	)	(299	)
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)	(198		)	(4,332		)	17,596			13,066			177		(32,562		)	(5,324		)	—		(37,709		)	(24,643		)	135,634		110,991		1,148	(3,105	)	(1,957	)
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)	392			(802		)	5,748			5,338			22,624		(4,955		)	705			—		18,374			23,712			54,360		78,072		995	(213	)	782
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)	(880		)	(4,304		)	31,468			26,284			37,534		(110		)	22,536			—		59,960			86,244			250,414		336,658		5,259	(2,417	)	2,842
Vanguard Developed Markets Index Fund ETF (Varoom)	630			653			(575		)	708			219		(15,135		)	28,566			—		13,650			14,358			36,172		50,530		595	(86	)	509
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)	7,436			50,599			(52,106		)	5,929			17,293		(120,946		)	44,279			—		(59,374		)	(53,445		)	1,143,732		1,090,287		4,326	(6,436	)	(2,110	)
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)	812			1,593			(1,734		)	671			8,217		(668		)	10,120			—		17,669			18,340			154,955		173,295		900	(204	)	696
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)	2,346			(3,325		)	2,861			1,882			13,739		(24,281		)	34,421			—		23,879			25,761			185,145		210,906		1,520	(730	)	790
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)	39,150			48,239			(32,357		)	55,032			1,214,163		(238,115		)	566,122			—		1,542,170			1,597,202			6,477,257		8,074,459		58,519	(5,273	)	53,246
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)	852			2,621			(2,748		)	725			7,538		(26,763		)	26,818			—		7,593			8,318			330,572		338,890		1,523	(1,223	)	300
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)	131			34			138			303			—		—			—			—		—			303			8,869		9,172		—	—		—
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)	125			212			130			467			—		—			210			—		210			677			18,979		19,656		32	(26	)	6
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)	1,090			443			1,231			2,764			—		(13,501		)	9,731			—		(3,770		)	(1,006		)	82,677		81,671		—	(129	)	(129	)
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)	388			1,717			(243		)	1,862			20,554		(1,778		)	(8,378		)	—		10,398			12,260			80,334		92,594		858	(479	)	379
Vanguard Large-Cap Index ETF (Varoom)	224			1,494			4,718			6,436			—		(2,377		)	—			—		(2,377		)	4,059			66,128		70,187		—	(54	)	(54	)
Vanguard Large-Cap Index ETF (Varoom GLWB 2)	(1,533		)	25,263			4,274			28,004			7,480		(18,115		)	(11,689		)	—		(22,324		)	5,680			309,748		315,428		598	(1,109	)	(511	)
Vanguard Large-Cap Index ETF (Varoom GLWB 3)	702			2,701			17,445			20,848			138,096		(34,886		)	28,537			—		131,747			152,595			169,179		321,774		3,167	(150	)	3,017
Vanguard Large-Cap Index ETF (Varoom GLWB 5)	(5,009		)	53,964			15,230			64,185			77,938		(48,548		)	(27,220		)	—		2,170			66,355			675,971		742,326		3,326	(3,151	)	175
Vanguard Mega Cap Index ETF (Varoom)	167			456			2,652			3,275			—		(1,192		)	—			—		(1,192		)	2,083			33,192		35,275		—	(27	)	(27	)
Vanguard Mega Cap Index ETF (Varoom GLWB 2)	(73		)	1,045			1,063			2,035			—		(618		)	(703		)	—		(1,321		)	714			22,501		23,215		10	(40	)	(30	)
Vanguard Mega Cap Index ETF (Varoom GLWB 3)	85			602			1,875			2,562			—		(23,904		)	19,713			—		(4,191		)	(1,629		)	28,125		26,496		1	(97	)	(96	)
Vanguard Mega Cap Index ETF (Varoom GLWB 5)	(470		)	12,078			(4,510		)	7,098			1,250		(6,319		)	(19,089		)	—		(24,158		)	(17,060		)	87,317		70,257		136	(707	)	(571	)
Vanguard REIT Index ETF (Varoom)	1,284			3,261			(1,346		)	3,199			—		(8,420		)	—			—		(8,420		)	(5,221		)	47,704		42,483		—	(196	)	(196	)
Vanguard REIT Index ETF (Varoom GLWB 2)	2,192			12,076			(7,077		)	7,191			—		(19,767		)	(1,646		)	—		(21,413		)	(14,222		)	112,575		98,353		187	(696	)	(509	)
Vanguard REIT Index ETF (Varoom GLWB 3)	5,805			1,585			(9,295		)	(1,905		)	144,247		(24,207		)	20,025			—		140,065			138,160			114,201		252,361		3,219	(98	)	3,121
Vanguard REIT Index ETF (Varoom GLWB 5)	5,633			20,870			(8,435		)	18,068			31,617		(6,517		)	(14,919		)	—		10,181			28,249			260,209		288,458		1,991	(1,652	)	339
Vanguard Total Bond Market Index ETF (Varoom)	1,836			1,772			(4,550		)	(942		)	1,533		(107,025		)	206,272			—		100,780			99,838			217,561		317,399		4,078	(436	)	3,642
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)	1,206			149,271			(132,112		)	18,365			121,054		(840,660		)	114,919			—		(604,687		)	(586,322		)	8,094,292		7,507,970		23,058	(45,954	)	(22,896	)
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)	(1,362		)	11,478			(9,945		)	171			1,027		(80,158		)	27,302			—		(51,829		)	(51,658		)	746,606		694,948		1,930	(3,914	)	(1,984	)
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)	4,669			9,743			(18,084		)	(3,672		)	241,817		(169,231		)	204,840			—		277,426			273,754			764,815		1,038,569		16,498	(5,883	)	10,615
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)	(90,808		)	117,430			(300,174		)	(273,552		)	8,499,140		(1,658,309		)	3,016,097			—		9,856,928			9,583,376			45,956,057		55,539,433		450,565	(58,224	)	392,341
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)	(10,076		)	11,067			(15,916		)	(14,925		)	221,187		(124,087		)	140,444			—		237,544			222,619			2,625,015		2,847,634		16,962	(7,471	)	9,491
Vanguard VI Money Market (Varoom GLWB 2)	(64		)	(34		)	34			(64		)	—		—			(4,701		)	—		(4,701		)	(4,765		)	4,765		—		58	(599	)	(541	)
Vanguard VI Money Market (Varoom GLWB 3)	(1,254		)	(741		)	741			(1,254		)	—		—			(130,367		)	—		(130,367		)	(131,621		)	131,621		—		516	(14,704	)	(14,188	)
Vanguard VI Money Market (Varoom GLWB 5)	(2,569		)	(885		)	885			(2,569		)	4,229		(746		)	(170,366		)	—		(166,883		)	(169,452		)	169,452		—		1,722	(20,661	)	(18,939	)
Vanguard Short Term Bond ETF (Varoom GLWB 2)	(646		)	203			290			(153		)	—		(669		)	589			—		(80		)	(233		)	11,853		11,620		1,017	(1,021	)	(4	)
Vanguard Short Term Bond ETF (Varoom GLWB 3)	(258		)	137			(189		)	(310		)	—		(6,213		)	7,062			—		849			539			52,924		53,463		290	(255	)	35
Vanguard Short Term Bond ETF (Varoom GLWB 5)	(4,985		)	2,981			(2,115		)	(4,119		)	12,434		(4,840		)	(110,060		)	—		(102,466		)	(106,585		)	462,347		355,762		1,727	(6,058	)	(4,331	)


See accompanying notes.
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)	$	(2,330	)	$	47,523		$	(37,229	)	$	7,964		$	2,588	$	(257,130	)	$	(202,437	)	$	(1,670	)	$	(458,649	)	$	(450,685	)	$	639,267	$	188,582	53	(32,463	)	(32,410	)
Touchstone Aggressive ETF (AnnuiChoice ®)	3,899			33,001			(43,849		)	(6,949		)	—		(99,827		)	(9,061		)	(490		)	(109,378		)	(116,327		)	715,136		598,809		13	(6,523	)	(6,510	)
Touchstone Aggressive ETF (AnnuiChoice II )	2,905			39,681			(50,595		)	(8,009		)	36,885		(52,317		)	(46,641		)	(4,897		)	(66,970		)	(74,979		)	699,346		624,367		2,311	(5,652	)	(3,341	)
Touchstone Aggressive ETF (GrandMaster flex3 )	727			136,986			(162,616		)	(24,903		)	4,402		(363,301		)	154,252			(714		)	(205,361		)	(230,264		)	1,582,354		1,352,090		15,228	(28,267	)	(13,039	)
Touchstone Aggressive ETF (Grandmaster )	546			972			(2,638		)	(1,120		)	—		(1,741		)	16,966			(6		)	15,219			14,099			107,199		121,298		1,085	(107	)	978
Touchstone Aggressive ETF (IQ Advisor Standard)	2,836			743			(5,396		)	(1,817		)	—		—			(14		)	—			(14		)	(1,831		)	259,499		257,668		—	(1	)	(1	)
Touchstone Aggressive ETF (IQ Annuity )	11,370			60,505			(168,079		)	(96,204		)	5,843		(373,731		)	(13,281		)	(642		)	(381,811		)	(478,015		)	6,515,970		6,037,955		—	(23,810	)	(23,810	)
Touchstone Aggressive ETF (Pinnacle )	1,267			4,739			(12,446		)	(6,440		)	—		(10,214		)	(69		)	(226		)	(10,509		)	(16,949		)	444,016		427,067		—	(656	)	(656	)
Touchstone Aggressive ETF (Pinnacle IV )	155			11,322			(17,477		)	(6,000		)	—		(121,721		)	(8,386		)	(416		)	(130,523		)	(136,523		)	549,667		413,144		30	(8,113	)	(8,083	)
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )	1,002			(2		)	(1,393		)	(393		)	—		(237		)	65,797			(68		)	65,492			65,099			2,666		67,765		4,479	(21	)	4,458
Touchstone Aggressive ETF (Pinnacle Plus )	(979		)	5,940			(8,502		)	(3,541		)	—		(8,123		)	(65,312		)	(490		)	(73,925		)	(77,466		)	233,004		155,538		28	(4,776	)	(4,748	)
Touchstone Aggressive ETF (Pinnacle V )	2,299			131,628			(167,236		)	(33,309		)	272,385		(252,869		)	(49,181		)	(15,940		)	(45,605		)	(78,914		)	2,299,993		2,221,079		15,964	(18,088	)	(2,124	)
Touchstone Baron Small Cap Growth (Pinnacle )	(15,941		)	418,570			(484,632		)	(82,003		)	55		(107,962		)	(1,482,860		)	(3,785		)	(1,594,552		)	(1,676,555		)	1,676,555		—		1,465	(30,378	)	(28,913	)
Touchstone Baron Small Cap Growth (Pinnacle IV )	(9,021		)	11,755			(48,095		)	(45,361		)	25,392		(115,592		)	(700,678		)	(454		)	(791,332		)	(836,693		)	836,693		—		3,867	(30,118	)	(26,251	)
Touchstone Baron Small Cap Growth (Pinnacle II Reduced M&E )	(1,319		)	17,326			(25,963		)	(9,956		)	—		(1,100		)	(159,964		)	(38		)	(161,102		)	(171,058		)	171,058		—		—	(2,929	)	(2,929	)
Touchstone Baron Small Cap Growth (Pinnacle V )	(35,404		)	(72,338		)	(91,217		)	(198,959		)	465,995		(172,012		)	(2,867,051		)	(9,654		)	(2,582,722		)	(2,781,681		)	2,781,681		—		40,024	(199,724	)	(159,700	)
Touchstone Baron Small Cap Growth (AdvantEdge )	(6,022		)	35,342			(57,621		)	(28,301		)	—		(47,982		)	(432,332		)	(2,499		)	(482,813		)	(511,114		)	511,114		—		3,024	(29,627	)	(26,603	)
Touchstone Baron Small Cap Growth (AnnuiChoice II )	(4,727		)	21,200			(55,731		)	(39,258		)	69,740		(42,846		)	(635,524		)	(778		)	(609,408		)	(648,666		)	648,666		—		4,553	(35,090	)	(30,537	)
Touchstone Baron Small Cap Growth (AnnuiChoice )	(3,696		)	97,367			(117,004		)	(23,333		)	4,276		(69,959		)	(500,140		)	(937		)	(566,760		)	(590,093		)	590,093		—		3,333	(20,614	)	(17,281	)
Touchstone Baron Small Cap Growth (GrandMaster flex3 )	(6,469		)	56,585			(63,762		)	(13,646		)	—		(16,392		)	(599,930		)	(325		)	(616,647		)	(630,293		)	630,293		—		11,152	(32,387	)	(21,235	)
Touchstone Baron Small Cap Growth (Grandmaster )	(4,230		)	(10,426		)	(12,483		)	(27,139		)	—		(48,511		)	(310,544		)	(23		)	(359,078		)	(386,217		)	386,217		—		2,640	(16,926	)	(14,286	)
Touchstone Baron Small Cap Growth (IQ Advisor Standard )	(955		)	21,384			(29,660		)	(9,231		)	—		(64,281		)	(209,231		)	—			(273,512		)	(282,743		)	282,743		—		1	(9,241	)	(9,240	)
Touchstone Baron Small Cap Growth (IQ Annuity )	(29,264		)	349,911			(455,634		)	(134,987		)	8,446		(264,781		)	(2,901,747		)	(701		)	(3,158,783		)	(3,293,770		)	3,293,770		—		5,643	(107,793	)	(102,150	)
Touchstone Baron Small Cap Growth (Pinnacle Plus Reduced M&E )	(497		)	(1,982		)	(1,292		)	(3,771		)	—		(11,604		)	(49,102		)	(87		)	(60,793		)	(64,564		)	64,564		—		1,495	(4,803	)	(3,308	)
Touchstone Baron Small Cap Growth (Pinnacle Plus )	(4,628		)	8,280			(20,734		)	(17,082		)	—		(77,339		)	(218,585		)	(261		)	(296,185		)	(313,267		)	313,267		—		8,159	(18,329	)	(10,170	)
Touchstone Conservative ETF (AdvantEdge )	(1,201		)	36,987			(38,806		)	(3,020		)	—		(21,000		)	(151,031		)	(1,516		)	(173,547		)	(176,567		)	402,117		225,550		40	(13,619	)	(13,579	)
Touchstone Conservative ETF (AnnuiChoice II )	4,321			83,980			(105,952		)	(17,651		)	663		(132,760		)	3,403			(7,748		)	(136,442		)	(154,093		)	1,367,610		1,213,517		1,801	(11,178	)	(9,377	)
Touchstone Conservative ETF (AnnuiChoice )	(4,531		)	74,683			(76,855		)	(6,703		)	—		(546,032		)	(8,629		)	(109		)	(554,770		)	(561,473		)	730,129		168,656		102	(37,210	)	(37,108	)
Touchstone Conservative ETF (GrandMaster flex3 )	(1,181		)	19,727			(16,698		)	1,848			—		(69,564		)	(327,896		)	(302		)	(397,762		)	(395,914		)	471,207		75,293		390	(28,081	)	(27,691	)
Touchstone Conservative ETF (Grandmaster )	(50		)	4,000			(4,842		)	(892		)	—		(5,815		)	(21,885		)	(15		)	(27,715		)	(28,607		)	95,058		66,451		—	(1,894	)	(1,894	)
Touchstone Conservative ETF (IQ Advisor Standard )	1,574			8,583			(11,590		)	(1,433		)	—		—			—			—			—			(1,433		)	171,191		169,758		—	—		—
Touchstone Conservative ETF (IQ Annuity )	424			54,260			(68,321		)	(13,637		)	80		(58,761		)	79,576			(615		)	20,280			6,643			753,796		760,439		8,850	(7,482	)	1,368
Touchstone Conservative ETF (Pinnacle )	51			7,318			(9,451		)	(2,082		)	598		(21,900		)	(165		)	(31		)	(21,498		)	(23,580		)	164,884		141,304		806	(2,271	)	(1,465	)
Touchstone Conservative ETF (Pinnacle IV )	(331		)	30,899			(41,371		)	(10,803		)	57,281		(83,051		)	(38,947		)	(327		)	(65,044		)	(75,847		)	673,801		597,954		—	(4,558	)	(4,558	)
Touchstone Conservative ETF (Pinnacle II Reduced M&E )	(336		)	7,575			(5,364		)	1,875			—		—			(177,256		)	—			(177,256		)	(175,381		)	175,381		—		—	(11,972	)	(11,972	)
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )	26			284			(424		)	(114		)	—		(1,003		)	4,784			(20		)	3,761			3,647			1,933		5,580		385	(78	)	307
Touchstone Conservative ETF (Pinnacle Plus )	(1,566		)	16,037			(16,764		)	(2,293		)	—		(37,891		)	(119,707		)	(71		)	(157,669		)	(159,962		)	310,089		150,127		—	(11,159	)	(11,159	)
Touchstone Conservative ETF Fund (Pinnacle V )	(1,589		)	348,292			(452,825		)	(106,122		)	444,351		(526,130		)	101,521			(38,428		)	(18,686		)	(124,808		)	6,326,918		6,202,110		45,251	(46,100	)	(849	)
Touchstone Active Bond (AdvantEdge )	2,719			(10,477		)	7			(7,751		)	—		(27,790		)	144,380			(1,757		)	114,833			107,082			200,545		307,627		20,454	(11,126	)	9,328
Touchstone Active Bond (AnnuiChoice II )	5,384			(3		)	(13,282		)	(7,901		)	61,105		(5,646		)	111,673			(2,349		)	164,783			156,882			221,699		378,581		13,943	(1,663	)	12,280
Touchstone Active Bond (AnnuiChoice )	4,888			(30,731		)	15,500			(10,343		)	3,095		(101,267		)	(93,352		)	(1,005		)	(192,529		)	(202,872		)	722,362		519,490		13,534	(25,261	)	(11,727	)
Touchstone Active Bond (GrandMaster flex3 )	3,762			(16,707		)	5,220			(7,725		)	—		(116,169		)	190,041			(366		)	73,506			65,781			265,301		331,082		18,962	(13,723	)	5,239
Touchstone Active Bond (Grandmaster )	(8,174		)	(84,015		)	80,808			(11,381		)	—		(108,583		)	(929,026		)	(444		)	(1,038,053		)	(1,049,434		)	1,383,673		334,239		4,903	(79,885	)	(74,982	)
Touchstone Active Bond (IQ Advisor Standard )	(699		)	2,424			(2,492		)	(767		)	—		(160,162		)	—			—			(160,162		)	(160,929		)	160,929		—		—	(10,885	)	(10,885	)
Touchstone Active Bond (IQ Annuity )	7,187			(365		)	(19,365		)	(12,543		)	—		(19,197		)	261,770			(226		)	242,347			229,804			342,399		572,203		19,846	(3,557	)	16,289
Touchstone Active Bond (Pinnacle )	11,043			(77		)	(31,252		)	(20,286		)	57,971		(99,129		)	373,992			(34		)	332,800			312,514			586,438		898,952		25,693	(2,821	)	22,872
Touchstone Active Bond (Pinnacle IV )	(15,198		)	(182,993		)	173,264			(24,927		)	81,863		(252,292		)	(1,691,331		)	(595		)	(1,862,355		)	(1,887,282		)	2,695,441		808,159		42,910	(171,260	)	(128,350	)
Touchstone Active Bond (Pinnacle II Reduced M&E )	114			—			(177		)	(63		)	—		—			5,476			—			5,476			5,413			—		5,413		374	—		374
Touchstone Active Bond (Pinnacle Plus Reduced M&E )	1,380			(26		)	(4,466		)	(3,112		)	—		(6,671		)	37,925			(371		)	30,883			27,771			99,429		127,200		6,008	(3,172	)	2,836
Touchstone Active Bond (Pinnacle Plus )	1,817			(14,258		)	6,367			(6,074		)	—		(34,741		)	44,116			(332		)	9,043			2,969			227,756		230,725		28,208	(27,459	)	749
Touchstone Active Bond (PinnacleV )	23,456			(165,468		)	24,571			(117,441		)	869,813		(351,430		)	(506,022		)	(25,963		)	(13,602		)	(131,043		)	5,038,842		4,907,799		171,094	(170,262	)	832
Touchstone GMAB Aggressive ETF (AnnuiChoice II )	(243		)	3,903			(7,934		)	(4,274		)	—		(3,866		)	—			(173		)	(4,039		)	(8,313		)	240,670		232,357		—	(203	)	(203	)
Touchstone GMAB Aggressive ETF (Pinnacle IV )	(2,813		)	31,711			(42,665		)	(13,767		)	1,350		(53,539		)	—			(465		)	(52,654		)	(66,421		)	716,243		649,822		71	(2,806	)	(2,735	)
Touchstone GMAB Aggressive ETF (Pinnacle V )	(3,739		)	49,539			(56,494		)	(10,694		)	—		(90,359		)	—			(377		)	(90,736		)	(101,430		)	654,398		552,968		—	(4,681	)	(4,681	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Affiliated (continued):
Touchstone GMAB Conservative ETF (AnnuiChoice II )	$	(611	)	$	13,921		$	(17,995	)	$	(4,685	)	$	—	$	(7,205	)	$	—		$	(335	)	$	(7,540	)	$	(12,225	)	$	244,145	$	231,920	—	(534	)	(534	)
Touchstone GMAB Conservative ETF (Pinnacle IV )	(3,476		)	37,231			(46,666		)	(12,911		)	—		(31,614		)	—			(114		)	(31,728		)	(44,639		)	605,814		561,175		—	(2,273	)	(2,273	)
Touchstone GMAB Conservative ETF (Pinnacle V )	(3,998		)	38,634			(47,439		)	(12,803		)	—		(46,237		)	—			(176		)	(46,413		)	(59,216		)	586,670		527,454		—	(3,360	)	(3,360	)
Touchstone GMAB Moderate ETF (AnnuiChoice II )	46			3,917			(4,567		)	(604		)	—		—			—			(30		)	(30		)	(634		)	31,342		30,708		—	(2	)	(2	)
Touchstone GMAB Moderate ETF (Pinnacle IV )	(2,147		)	179,669			(192,268		)	(14,746		)	—		(229,893		)	—			(148		)	(230,041		)	(244,787		)	932,851		688,064		2	(13,723	)	(13,721	)
Touchstone GMAB Moderate ETF(Pinnacle V )	(1,951		)	129,054			(140,649		)	(13,546		)	—		(153,893		)	—			(236		)	(154,129		)	(167,675		)	666,150		498,475		275	(9,660	)	(9,385	)
Touchstone High Yield (AdvantEdge )	19,800			(126,947		)	110,749			3,602			—		(136,169		)	(1,014,248		)	(396		)	(1,150,813		)	(1,147,211		)	1,147,211		—		149,299	(227,950	)	(78,651	)
Touchstone High Yield (AnnuiChoice II )	13,121			(37,734		)	21,166			(3,447		)	40		(4,961		)	(115,134		)	(221		)	(120,276		)	(123,723		)	123,723		—		213	(8,224	)	(8,011	)
Touchstone High Yield (AnnuiChoice )	22,934			(64,217		)	37,794			(3,489		)	—		(52,764		)	(183,967		)	(1,779		)	(238,510		)	(241,999		)	241,999		—		47	(10,926	)	(10,879	)
Touchstone High Yield (GrandMaster flex3 )	24,579			(74,223		)	39,098			(10,546		)	—		(22,200		)	(219,335		)	(1,106		)	(242,641		)	(253,187		)	253,187		—		28,241	(40,938	)	(12,697	)
Touchstone High Yield (Grandmaster )	4,394			(26,033		)	19,821			(1,818		)	—		(6,377		)	(193,667		)	(35		)	(200,079		)	(201,897		)	201,897		—		24,177	(36,207	)	(12,030	)
Touchstone High Yield (IQ Advisor Standard )	(963		)	(22,346		)	20,240			(3,069		)	—		(214,958		)	—			—			(214,958		)	(218,027		)	218,027		—		—	(12,033	)	(12,033	)
Touchstone High Yield (IQ Annuity )	29,954			(113,684		)	76,596			(7,134		)	375		(65,923		)	(436,852		)	(3,752		)	(506,152		)	(513,286		)	513,286		—		12,949	(37,733	)	(24,784	)
Touchstone High Yield (Pinnacle )	36,171			(118,118		)	77,806			(4,141		)	—		(27,540		)	(437,569		)	(5,144		)	(470,253		)	(474,394		)	474,394		—		11,388	(34,805	)	(23,417	)
Touchstone High Yield (Pinnacle IV )	54,722			(174,007		)	105,212			(14,073		)	5,913		(175,301		)	(561,382		)	(2,314		)	(733,084		)	(747,157		)	747,157		—		305	(37,663	)	(37,358	)
Touchstone High Yield (Pinnacle II Reduced M&E )	472			(1,996		)	901			(623		)	—		—			(5,011		)	(7		)	(5,018		)	(5,641		)	5,641		—		4,189	(4,465	)	(276	)
Touchstone High Yield (Pinnacle Plus Reduced M&E )	3,756			(8,495		)	3,812			(927		)	—		(3,432		)	(27,293		)	(61		)	(30,786		)	(31,713		)	31,713		—		507	(3,117	)	(2,610	)
Touchstone High Yield (Pinnacle Plus )	13,235			(49,578		)	33,086			(3,257		)	—		(42,109		)	(148,061		)	(412		)	(190,582		)	(193,839		)	193,839		—		47	(11,246	)	(11,199	)
Touchstone High Yield (PinnacleV )	112,556			(392,908		)	243,714			(36,638		)	9,078		(342,066		)	(1,049,622		)	(839		)	(1,383,449		)	(1,420,087		)	1,420,087		—		60,939	(164,050	)	(103,111	)
Touchstone Large Cap Core Equity (AdvantEdge )	(391		)	18,833			(53,267		)	(34,825		)	—		(26,542		)	(5,257		)	(2,660		)	(34,459		)	(69,284		)	658,939		589,655		594	(2,853	)	(2,259	)
Touchstone Large Cap Core Equity (AnnuiChoice II )	3,021			22,927			(57,280		)	(31,332		)	88,989		(53,592		)	31,615			(1,417		)	65,595			34,263			556,768		591,031		7,367	(3,377	)	3,990
Touchstone Large Cap Core Equity (AnnuiChoice )	2,103			60,116			(87,303		)	(25,084		)	100		(109,904		)	(189		)	(846		)	(110,839		)	(135,923		)	575,426		439,503		220	(6,516	)	(6,296	)
Touchstone Large Cap Core Equity (GrandMaster flex3 )	15			4,952			(13,626		)	(8,659		)	—		(13,630		)	33,767			(371		)	19,766			11,107			120,376		131,483		1,826	(787	)	1,039
Touchstone Large Cap Core Equity (Grandmaster )	(45		)	14,559			(19,354		)	(4,840		)	—		(1,123		)	(74,280		)	(16		)	(75,419		)	(80,259		)	168,351		88,092		202	(4,207	)	(4,005	)
Touchstone Large Cap Core Equity (IQ Advisor Standard )	63			21			(382		)	(298		)	—		—			—			—			—			(298		)	6,487		6,189		—	—		—
Touchstone Large Cap Core Equity (IQ Annuity )	351			12,318			(31,761		)	(19,092		)	—		(14,435		)	(1,257		)	(376		)	(16,068		)	(35,160		)	364,812		329,652		61	(1,009	)	(948	)
Touchstone Large Cap Core Equity (Pinnacle )	6,674			309,229			(651,798		)	(335,895		)	28,275		(863,758		)	(96,036		)	(2,952		)	(934,471		)	(1,270,366		)	6,974,710		5,704,344		2,945	(51,448	)	(48,503	)
Touchstone Large Cap Core Equity (Pinnacle IV )	(27,557		)	339,843			(616,848		)	(304,562		)	23,621		(1,333,955		)	(1,349,131		)	(751		)	(2,660,216		)	(2,964,778		)	4,157,718		1,192,940		6,487	(156,182	)	(149,695	)
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )	1,452			18,439			(43,344		)	(23,453		)	—		(56,446		)	2,059			(57		)	(54,444		)	(77,897		)	461,378		383,481		103	(3,012	)	(2,909	)
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )	759			8,390			(18,748		)	(9,599		)	32,653		(88,373		)	2,587			(1,108		)	(54,241		)	(63,840		)	258,802		194,962		647	(3,697	)	(3,050	)
Touchstone Large Cap Core Equity (Pinnacle Plus )	(409		)	11,570			(24,219		)	(13,058		)	—		(15,610		)	(11,660		)	(57		)	(27,327		)	(40,385		)	247,987		207,602		—	(1,416	)	(1,416	)
Touchstone Large Cap Core Equity (PinnacleV )	(35,895		)	659,471			(1,350,974		)	(727,398		)	680,915		(1,516,560		)	(2,758,305		)	(16,581		)	(3,610,531		)	(4,337,929		)	10,811,289		6,473,360		50,347	(346,696	)	(296,349	)
Touchstone Focused (AdvantEdge )	(1,012		)	29,993			(46,218		)	(17,237		)	—		(43,381		)	545,528			(886		)	501,261			484,024			32,176		516,200		32,838	(2,720	)	30,118
Touchstone Focused (AnnuiChoice II )	(19,143		)	156,549			(161,316		)	(23,910		)	16,358		(51,377		)	1,107,195			(1,120		)	1,071,056			1,047,146			1,569,100		2,616,246		59,255	(4,254	)	55,001
Touchstone Focused (AnnuiChoice )	(17,154		)	488,160			(492,927		)	(21,921		)	2,077		(416,359		)	1,476,101			(2,865		)	1,058,954			1,037,033			1,662,789		2,699,822		55,851	(19,383	)	36,468
Touchstone Focused (GrandMaster flex3 )	(5,247		)	92,219			(105,295		)	(18,323		)	990		(77,590		)	837,011			(200		)	760,211			741,888			418,620		1,160,508		42,902	(15,054	)	27,848
Touchstone Focused (Grandmaster )	(2,823		)	54,032			(78,703		)	(27,494		)	—		(40,284		)	810,224			(72		)	769,868			742,374			138,940		881,314		34,191	(3,162	)	31,029
Touchstone Focused (IQ Advisor Standard )	(62		)	2,511			(3,682		)	(1,233		)	—		—			38,948			—			38,948			37,715			7,074		44,789		1,433	—		1,433
Touchstone Focused (IQ Annuity )	(13,275		)	356,932			(468,447		)	(124,790		)	8,562		(258,593		)	4,172,769			(816		)	3,921,922			3,797,132			945,404		4,742,536		150,226	(11,079	)	139,147
Touchstone Focused (Pinnacle )	(13,393		)	402,223			(542,801		)	(153,971		)	273		(80,570		)	4,666,596			(510		)	4,585,789			4,431,818			694,898		5,126,716		167,737	(6,240	)	161,497
Touchstone Focused (Pinnacle IV )	(23,091		)	307,964			(349,539		)	(64,666		)	5,185		(213,385		)	2,307,503			(863		)	2,098,440			2,033,774			1,527,483		3,561,257		86,989	(12,054	)	74,935
Touchstone Focused (Pinnacle II Reduced M&E )	(543		)	29,625			(47,770		)	(18,688		)	—		—			543,514			(9		)	543,505			524,817			8,606		533,423		18,953	—		18,953
Touchstone Focused (Pinnacle Plus Reduced M&E )	(2,762		)	36,019			(41,909		)	(8,652		)	375		(32,304		)	461,088			(1,337		)	427,822			419,170			221,441		640,611		26,591	(1,901	)	24,690
Touchstone Focused (Pinnacle Plus )	(5,346		)	46,914			(61,112		)	(19,544		)	—		(36,836		)	466,730			(190		)	429,704			410,160			225,429		635,589		23,187	(8,216	)	14,971
Touchstone Focused (PinnacleV )	(56,936		)	514,425			(573,664		)	(116,175		)	681,541		(308,042		)	3,705,292			(21,199		)	4,057,592			3,941,417			2,963,814		6,905,231		286,280	(26,776	)	259,504
Touchstone Moderate ETF (AdvantEdge )	1,083			136,664			(144,152		)	(6,405		)	9,000		(2,836		)	(232,357		)	(5,576		)	(231,769		)	(238,174		)	796,464		558,290		805	(17,660	)	(16,855	)
Touchstone Moderate ETF (AnnuiChoice II )	18,220			401,944			(441,080		)	(20,916		)	378,046		(328,028		)	(15,841		)	(14,502		)	19,675			(1,241		)	2,231,100		2,229,859		25,027	(22,920	)	2,107
Touchstone Moderate ETF (AnnuiChoice )	14,974			358,902			(395,146		)	(21,270		)	2,187		(306,471		)	(5,894		)	(1,402		)	(311,580		)	(332,850		)	2,133,344		1,800,494		1,868	(20,940	)	(19,072	)
Touchstone Moderate ETF (GrandMaster flex3 )	2,869			356,501			(380,876		)	(21,506		)	—		(127,690		)	(235,895		)	(551		)	(364,136		)	(385,642		)	1,718,536		1,332,894		6,469	(29,943	)	(23,474	)
Touchstone Moderate ETF (Grandmaster )	454			18,754			(22,098		)	(2,890		)	—		(26,082		)	254			(28		)	(25,856		)	(28,746		)	156,197		127,451		906	(2,605	)	(1,699	)
Touchstone Moderate ETF (IQ Advisor Enhanced )	430			4,632			(5,437		)	(375		)	—		—			—			—			—			(375		)	38,188		37,813		—	—		—
Touchstone Moderate ETF (IQ Advisor Standard )	2,000			16,156			(18,991		)	(835		)	—		—			41,170			—			41,170			40,335			92,685		133,020		2,330	—		2,330
Touchstone Moderate ETF (IQ Annuity )	6,289			201,191			(230,165		)	(22,685		)	—		(53,793		)	(44,956		)	(949		)	(99,698		)	(122,383		)	1,581,061		1,458,678		33	(6,333	)	(6,300	)
Touchstone Moderate ETF (Pinnacle )	1,348			52,985			(59,942		)	(5,609		)	—		(42,509		)	(79		)	(267		)	(42,855		)	(48,464		)	373,379		324,915		4	(2,761	)	(2,757	)
Touchstone Moderate ETF (Pinnacle IV )	3,665			274,936			(295,749		)	(17,148		)	82,076		(318,993		)	(62,534		)	(673		)	(300,124		)	(317,272		)	1,481,459		1,164,187		1,367	(20,482	)	(19,115	)
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )	24			780			(888		)	(84		)	—		(3,386		)	166			(21		)	(3,241		)	(3,325		)	9,275		5,950		21	(259	)	(238	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Affiliated (continued):
Touchstone Moderate ETF (Pinnacle Plus )	$	(15	)	$	53,737		$	(61,099	)	$	(7,377	)	$	—	$	(21,928	)	$	4,132		$	(287	)	$	(18,083	)	$	(25,460	)	$	272,344	$	246,884	2,725	(4,090	)	(1,365	)
Touchstone Moderate ETF (Pinnacle V )	5,489			575,879			(638,350		)	(56,982		)	530,319		(766,483		)	81,469			(21,236		)	(175,931		)	(232,913		)	3,482,605		3,249,692		49,732	(62,919	)	(13,187	)
Touchstone Money Market (AdvantEdge )	(3,317		)	—			8			(3,309		)	10		(14,956		)	(919,892		)	(8		)	(934,846		)	(938,155		)	938,155		—		86,503	(187,558	)	(101,055	)
Touchstone Money Market (AnnuiChoice II )	(2,095		)	—			—			(2,095		)	5,608		(2,113		)	(569,380		)	(222		)	(566,107		)	(568,202		)	568,202		—		4,932	(65,250	)	(60,318	)
Touchstone Money Market (AnnuiChoice )	(2,390		)	—			2			(2,388		)	—		(48,341		)	(741,576		)	(522		)	(790,439		)	(792,827		)	792,827		—		134	(72,664	)	(72,530	)
Touchstone Money Market (GrandMaster flex3)	(6,214		)	—			7			(6,207		)	—		(259,178		)	(1,325,909		)	(254		)	(1,585,341		)	(1,591,548		)	1,591,548		—		—	(158,321	)	(158,321	)
Touchstone Money Market (Grandmaster )	(9,699		)	—			45			(9,654		)	128		(262,489		)	(2,330,854		)	(396		)	(2,593,611		)	(2,603,265		)	2,603,265		—		20,850	(273,205	)	(252,355	)
Touchstone Money Market (IQ Advisor Enhanced )	(186		)	—			—			(186		)	—		(2,091		)	2,277			—			186			—			—		—		—	—		—
Touchstone Money Market (IQ Annuity )	(895		)	—			(35		)	(930		)	—		(2,735		)	(191,440		)	(7		)	(194,182		)	(195,112		)	195,112		—		1,018	(20,052	)	(19,034	)
Touchstone Money Market (IQ3 )	(8,316		)	—			17			(8,299		)	120,399		(309,917		)	(1,321,430		)	(1,258		)	(1,512,206		)	(1,520,505		)	1,520,505		—		167,704	(316,032	)	(148,328	)
Touchstone Money Market (Pinnacle )	(6,786		)	—			26			(6,760		)	700		(245,806		)	(1,431,440		)	(452		)	(1,676,998		)	(1,683,758		)	1,683,758		—		134	(163,372	)	(163,238	)
Touchstone Money Market (Pinnacle IV )	(20,246		)	—			29			(20,217		)	106,333		(457,787		)	(4,055,160		)	(238		)	(4,406,852		)	(4,427,069		)	4,427,069		—		88,437	(523,171	)	(434,734	)
Touchstone Money Market (Pinnacle II Reduced M&E )	(96		)	—			—			(96		)	—		(3,472		)	(27,097		)	(92		)	(30,661		)	(30,757		)	30,757		—		—	(2,960	)	(2,960	)
Touchstone Money Market (Pinnacle Plus Reduced M&E )	(11		)	—			—			(11		)	—		(91,519		)	91,530			—			11			—			—		—		9,622	(9,622	)	—
Touchstone Money Market (Pinnacle Plus )	(2,332		)	—			8			(2,324		)	—		(21,750		)	(415,478		)	(68		)	(437,296		)	(439,620		)	439,620		—		1,088	(49,178	)	(48,090	)
Touchstone Money Market (Pinnacle V )	(47,650		)	—			41			(47,609		)	10,711		(136,064		)	(9,987,268		)	(127		)	(10,112,748		)	(10,160,357		)	10,160,357		—		45,878	(1,149,630	)	(1,103,752	)
Touchstone Third Avenue Value (AdvantEdge )	1,478			(9,966		)	4,173			(4,315		)	—		(1,539		)	(82,936		)	(136		)	(84,611		)	(88,926		)	88,926		—		—	(7,863	)	(7,863	)
Touchstone Third Avenue Value (AnnuiChoice II )	15,149			24,800			(81,133		)	(41,184		)	—		(55,836		)	(518,561		)	(600		)	(574,997		)	(616,181		)	616,181		—		1,169	(53,601	)	(52,432	)
Touchstone Third Avenue Value (AnnuiChoice )	36,709			30,359			(147,879		)	(80,811		)	1,047		(234,894		)	(1,103,757		)	(1,345		)	(1,338,949		)	(1,419,760		)	1,419,760		—		1,486	(65,469	)	(63,983	)
Touchstone Third Avenue Value (GrandMaster flex3 )	11,068			13,821			(51,577		)	(26,688		)	—		(22,392		)	(440,605		)	(314		)	(463,311		)	(489,999		)	489,999		—		103	(27,525	)	(27,422	)
Touchstone Third Avenue Value (Grandmaster )	12,468			73,277			(119,437		)	(33,692		)	27,405		(192,418		)	(429,505		)	(141		)	(594,659		)	(628,351		)	628,351		—		935	(37,887	)	(36,952	)
Touchstone Third Avenue Value (IQ Advisor Standard )	370			(273		)	(2,936		)	(2,839		)	—		—			(39,015		)	—			(39,015		)	(41,854		)	41,854		—		—	(2,330	)	(2,330	)
Touchstone Third Avenue Value (IQ Annuity )	52,957			204,592			(377,759		)	(120,210		)	25,778		(146,952		)	(1,700,485		)	(517		)	(1,822,176		)	(1,942,386		)	1,942,386		—		1,771	(103,572	)	(101,801	)
Touchstone Third Avenue Value (Pinnacle )	101,557			499,199			(839,324		)	(238,568		)	40,309		(464,036		)	(3,366,068		)	3,161			(3,786,634		)	(4,025,202		)	4,025,202		—		1,434	(70,915	)	(69,481	)
Touchstone Third Avenue Value (Pinnacle IV )	49,950			103,508			(276,447		)	(122,989		)	2,847		(290,882		)	(1,756,152		)	(506		)	(2,044,693		)	(2,167,682		)	2,167,682		—		1,292	(114,381	)	(113,089	)
Touchstone Third Avenue Value (Pinnacle II Reduced M&E )	12,628			(5,848		)	(36,541		)	(29,761		)	—		(62,259		)	(387,668		)	(53		)	(449,980		)	(479,741		)	479,741		—		—	(8,221	)	(8,221	)
Touchstone Third Avenue Value (Pinnacle Plus Reduced M&E )	10,863			(58,491		)	28,675			(18,953		)	44,384		(91,054		)	(290,029		)	(409		)	(337,108		)	(356,061		)	356,061		—		2,875	(30,445	)	(27,570	)
Touchstone Third Avenue Value (Pinnacle Plus )	5,201			(49,957		)	27,227			(17,529		)	—		(33,625		)	(323,605		)	(268		)	(357,498		)	(375,027		)	375,027		—		51	(18,744	)	(18,693	)
Touchstone Third Avenue Value (Pinnacle V )	13,317			(22,629		)	(23,214		)	(32,526		)	13,385		(102,406		)	(443,814		)	(1,458		)	(534,293		)	(566,819		)	566,819		—		3,597	(62,311	)	(58,714	)
Non-Affiliated Initial Class:
Fidelity VIP Balanced (Pinnacle )	1,368			56,079			(65,955		)	(8,508		)	—		(78,553		)	(47,896		)	(569		)	(127,018		)	(135,526		)	1,278,924		1,143,398		—	(8,558	)	(8,558	)
Fidelity VIP Balanced (Pinnacle II Reduced M&E )	28			205			(267		)	(34		)	—		—			—			(5		)	(5		)	(39		)	6,673		6,634		—	—		—
Fidelity VIP Balanced (Grandmaster )	566			89,734			(102,189		)	(11,889		)	—		(266,440		)	(21,327		)	(687		)	(288,454		)	(300,343		)	1,742,127		1,441,784		—	(12,023	)	(12,023	)
Fidelity VIP Overseas (Pinnacle )	(490		)	(5,599		)	11,223			5,134			—		(63,022		)	(14,611		)	(33		)	(77,666		)	(72,532		)	174,356		101,824		—	(8,048	)	(8,048	)
Fidelity VIP Overseas (Pinnacle IV )	(89		)	(27		)	1,787			1,671			—		(3,644		)	—			(80		)	(3,724		)	(2,053		)	73,212		71,159		—	(383	)	(383	)
Fidelity VIP Equity-Income (Grandmaster )	143,470			590,107			(1,188,247		)	(454,670		)	69,481		(1,253,898		)	(272,015		)	(3,367		)	(1,459,799		)	(1,914,469		)	9,785,521		7,871,052		75	(19,811	)	(19,736	)
Fidelity VIP Equity-Income (Pinnacle )	37,041			172,815			(324,435		)	(114,579		)	—		(303,902		)	(49,386		)	(934		)	(354,222		)	(468,801		)	2,400,330		1,931,529		23	(16,750	)	(16,727	)
Fidelity VIP Equity-Income (Pinnacle II Reduced M&E )	941			5,099			(8,390		)	(2,350		)	—		(5,120		)	—			—			(5,120		)	(7,470		)	50,520		43,050		—	(239	)	(239	)
Fidelity VIP Growth (Grandmaster )	(79,754		)	849,751			(366,739		)	403,258			—		(841,595		)	(210,372		)	(3,143		)	(1,055,110		)	(651,852		)	7,264,719		6,612,867		164	(10,985	)	(10,821	)
Fidelity VIP High Income (Grandmaster )	78,457			(62,550		)	(93,344		)	(77,437		)	9,638		(164,144		)	503,136			(589		)	348,041			270,604			1,138,224		1,408,828		72,684	(59,338	)	13,346
Fidelity VIP II Asset Manager (Grandmaster )	3,890			391,848			(431,256		)	(35,518		)	41,693		(993,720		)	(21,864		)	(2,368		)	(976,259		)	(1,011,777		)	4,955,000		3,943,223		943	(20,293	)	(19,350	)
Fidelity VIP II Contrafund (Grandmaster )	(44,499		)	1,591,072			(1,576,242		)	(29,669		)	96,434		(1,734,101		)	(654,374		)	(4,280		)	(2,296,321		)	(2,325,990		)	12,399,762		10,073,772		1,199	(35,669	)	(34,470	)
Fidelity VIP II Contrafund (Pinnacle )	(21,650		)	1,372,164			(1,361,530		)	(11,016		)	35,752		(932,153		)	94,877			(2,780		)	(804,304		)	(815,320		)	6,441,582		5,626,262		18,052	(42,170	)	(24,118	)
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )	(20		)	5,155			(5,253		)	(118		)	—		(5,036		)	2,059			(8		)	(2,985		)	(3,103		)	41,209		38,106		61	(152	)	(91	)
Fidelity VIP II Index 500 (Grandmaster )	16,985			480,849			(494,634		)	3,200			—		(828,292		)	(188,135		)	(1,871		)	(1,018,298		)	(1,015,098		)	4,567,554		3,552,456		14	(20,004	)	(19,990	)
Fidelity VIP II Index 500 (IQ Annuity )	143			32,440			(36,414		)	(3,831		)	—		(99,779		)	—			(202		)	(99,981		)	(103,812		)	279,732		175,920		—	(6,207	)	(6,207	)
Fidelity VIP II Index 500 (Pinnacle )	14,128			65,644			(78,749		)	1,023			—		(215,536		)	(62,121		)	(1,395		)	(279,052		)	(278,029		)	2,714,982		2,436,953		1	(18,966	)	(18,965	)
Fidelity VIP II Index 500 (Pinnacle IV )	779			5,449			(6,066		)	162			—		(21,371		)	—			(63		)	(21,434		)	(21,272		)	175,392		154,120		14	(1,466	)	(1,452	)
Fidelity VIP II Index 500 (Pinnacle II Reduced M&E )	307			3,307			(3,487		)	127			—		(9,314		)	—			(4		)	(9,318		)	(9,191		)	45,094		35,903		—	(630	)	(630	)
Fidelity VIP II Investment Grade Bond (Pinnacle )	17,029			7,058			(53,363		)	(29,276		)	—		(167,966		)	(35,469		)	(502		)	(203,937		)	(233,213		)	1,658,443		1,425,230		—	(15,562	)	(15,562	)
Fidelity VIP II Investment Grade Bond (Pinnacle IV )	2,634			27,427			(38,820		)	(8,759		)	—		(310,433		)	(8,970		)	(219		)	(319,622		)	(328,381		)	716,638		388,257		8,850	(33,347	)	(24,497	)
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )	643			25			(1,390		)	(722		)	—		—			—			—			—			(722		)	42,812		42,090		—	—		—
Fidelity VIP II Investment Grade Bond (AnnuiChoice )	5,482			477			(11,425		)	(5,466		)	—		(10,424		)	—			(791		)	(11,215		)	(16,681		)	349,012		332,331		—	(836	)	(836	)
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )	738			114			(1,746		)	(894		)	—		(2,037		)	—			(10		)	(2,047		)	(2,941		)	53,342		50,401		—	(153	)	(153	)
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )	1,359			391			(4,613		)	(2,863		)	—		(4,155		)	—			(480		)	(4,635		)	(7,498		)	138,503		131,005		—	(358	)	(358	)
Fidelity VIP II Investment Grade Bond (Grandmaster )	22,102			13,207			(73,323		)	(38,014		)	—		(347,184		)	(1,202		)	(622		)	(349,008		)	(387,022		)	2,278,156		1,891,134		1	(8,841	)	(8,840	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Intial Class (continued):
Fidelity VIP II Investment Grade Bond (IQ Annuity )	$	2,338		$	7,508		$	(16,289	)	$	(6,443	)	$	—	$	(90,398	)	$	—		$	(200	)	$	(90,598	)	$	(97,041	)	$	370,199	$	273,158	—	(4,906	)	(4,906	)
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )	422			179			(1,118		)	(517		)	—		(4,925		)	—			(41		)	(4,966		)	(5,483		)	33,330		27,847		69	(518	)	(449	)
Fidelity VIP II Investment Grade Bond (Pinnacle Plus )	34			(28		)	(70		)	(64		)	—		(2,189		)	—			(5		)	(2,194		)	(2,258		)	5,869		3,611		—	(169	)	(169	)
Fidelity VIP Government Money Market (Pinnacle )	(14,482		)	—			—			(14,482		)	1,400		(591,333		)	1,843,241			(991		)	1,252,317			1,237,835			—		1,237,835		243,718	(118,795	)	124,923
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )	(182		)	—			—			(182		)	—		(2,943		)	27,097			(3		)	24,151			23,969			—		23,969		2,710	(295	)	2,415
Fidelity VIP Government Money Market (Pinnacle IV )	(39,611		)	—			—			(39,611		)	16,151		(3,766,388		)	5,842,164			(631		)	2,091,296			2,051,685			—		2,051,685		611,272	(404,070	)	207,202
Fidelity VIP Government Money Market (Pinnacle V )	(109,514		)	—			(132		)	(109,646		)	1,142,929		(2,615,520		)	11,909,130			(223		)	10,436,316			10,326,670			—		10,326,670		1,443,578	(399,947	)	1,043,631
Fidelity VIP Government Money Market (Pinnacle Plus )	(5,638		)	—			—			(5,638		)	—		(11,106		)	507,766			(23		)	496,637			490,999			—		490,999		76,175	(26,512	)	49,663
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )	(46		)	—			—			(46		)	—		(131,580		)	147,741			—			16,161			16,115			—		16,115		14,856	(13,232	)	1,624
Fidelity VIP Government Money Market (Grandmaster )	(20,238		)	—			—			(20,238		)	55,382		(1,366,765		)	3,508,505			(730		)	2,196,392			2,176,154			—		2,176,154		380,422	(160,804	)	219,618
Fidelity VIP Government Money Market (Grandmaster flex3 )	(13,367		)	—			8			(13,359		)	—		(216,184		)	981,020			(229		)	764,607			751,248			—		751,248		236,261	(160,339	)	75,922
Fidelity VIP Government Money Market (AdvantEdge )	(11,928		)	—			—			(11,928		)	—		(341,109		)	1,871,961			(102		)	1,530,750			1,518,822			—		1,518,822		399,601	(246,053	)	153,548
Fidelity VIP Government Money Market (AnnuiChoice )	(5,428		)	—			—			(5,428		)	—		(346,219		)	971,365			(1,192		)	623,954			618,526			—		618,526		143,133	(80,863	)	62,270
Fidelity VIP Government Money Market (AnnuiChoice II )	(5,608		)	—			—			(5,608		)	159,476		(102,242		)	762,958			(348		)	819,844			814,236			—		814,236		111,107	(29,049	)	82,058
Fidelity VIP Government Money Market (IQ Annuity )	(3,220		)	—			—			(3,220		)	—		(10,434		)	205,862			(127		)	195,301			192,081			—		192,081		67,198	(47,800	)	19,398
Fidelity VIP Government Money Market (IQ3 )	(28,803		)	—			—			(28,803		)	80		(268,642		)	3,021,279			(3,700		)	2,749,017			2,720,214			—		2,720,214		416,653	(141,936	)	274,717
Fidelity VIP Government Money Market (IQ Advisor Standard )	(979		)	—			—			(979		)	—		(7,942		)	254,673			—			246,731			245,752			—		245,752		25,468	(796	)	24,672
Fidelity VIP Overseas (AnnuiChoice )	278			(5,526		)	8,893			3,645			—		(23,419		)	(26		)	(591		)	(24,036		)	(20,391		)	119,898		99,507		—	(2,399	)	(2,399	)
Fidelity VIP Overseas (AnnuiChoice II )	46			(341		)	977			682			—		(1,277		)	—			(58		)	(1,335		)	(653		)	26,830		26,177		—	(135	)	(135	)
Fidelity VIP Overseas (Grandmaster flex3 )	(1		)	10			8			17			—		(18		)	—			(5		)	(23		)	(6		)	793		787		—	(2	)	(2	)
Fidelity VIP Overseas (Grandmaster )	(1,034		)	(22,872		)	71,809			47,903			—		(138,091		)	(23,601		)	(1,003		)	(162,695		)	(114,792		)	1,933,423		1,818,631		—	(4,641	)	(4,641	)
Fidelity VIP Overseas (IQ Annuity )	(24		)	10			518			504			—		(302		)	—			(16		)	(318		)	186			23,209		23,395		—	(33	)	(33	)
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	192			17			(311		)	(102		)	—		—			24,030			(20		)	24,010			23,908			—		23,908		1,966	(2	)	1,964
Fidelity VIP Overseas (Pinnacle Plus )	(289		)	4,827			(3,447		)	1,091			—		(5,172		)	(24,030		)	(72		)	(29,274		)	(28,183		)	28,386		203		—	(3,111	)	(3,111	)
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )	5,208			27,265			(50,390		)	(17,917		)	672		(14,421		)	—			(107		)	(13,856		)	(31,773		)	338,039		306,266		36	(833	)	(797	)
Fidelity VIP Growth (IQ Annuity )	(4,035		)	58,815			(38,089		)	16,691			—		(86,735		)	—			(206		)	(86,941		)	(70,250		)	306,694		236,444		—	(5,524	)	(5,524	)
Fidelity VIP Growth (Pinnacle )	(5,418		)	42,660			(11,912		)	25,330			—		(33,672		)	(19,589		)	(301		)	(53,562		)	(28,232		)	461,267		433,035		—	(3,407	)	(3,407	)
Fidelity VIP Growth (Pinnacle II Reduced M&E )	(17		)	71			62			116			—		—			—			(6		)	(6		)	110			1,959		2,069		—	—		—
Fidelity VIP High Income (IQ Annuity )	11,350			(8,844		)	(13,935		)	(11,429		)	—		(2,616		)	96,053			(108		)	93,329			81,900			122,893		204,793		30,514	(24,037	)	6,477
Fidelity VIP II Asset Manager (IQ Annuity )	2			1,054			(1,253		)	(197		)	—		(214		)	20			(23		)	(217		)	(414		)	13,994		13,580		1	(15	)	(14	)
Fidelity VIP II Contrafund (IQ Annuity )	(5,761		)	282,993			(283,285		)	(6,053		)	2,190		(68,193		)	208,543			(270		)	142,270			136,217			963,256		1,099,473		20,914	(14,789	)	6,125
Fidelity VIP III Balanced (IQ Annuity )	(48		)	6,102			(6,875		)	(821		)	—		(12,819		)	—			(85		)	(12,904		)	(13,725		)	134,057		120,332		—	(727	)	(727	)
Fidelity VIP III Mid Cap (Grandmaster )	(10,988		)	213,990			(214,000		)	(10,998		)	—		(361,491		)	(18,368		)	(466		)	(380,325		)	(391,323		)	1,230,069		838,746		315	(7,198	)	(6,883	)
Fidelity VIP III Mid Cap (IQ Annuity )	(8,644		)	98,632			(112,545		)	(22,557		)	—		(17,307		)	(10,592		)	(204		)	(28,103		)	(50,660		)	815,305		764,645		—	(500	)	(500	)
Fidelity VIP III Mid Cap (Pinnacle )	(32,491		)	457,328			(495,003		)	(70,166		)	—		(323,432		)	(243,920		)	(1,153		)	(568,505		)	(638,671		)	3,373,584		2,734,913		—	(10,612	)	(10,612	)
Fidelity VIP Overseas (IQ Annuity )	(57		)	(28		)	693			608			—		(491		)	—			—			(491		)	117			31,503		31,620		—	(35	)	(35	)
Non-Affiliated Service Class 2:
Fidelity VIP Asset Manager (IQ3 )	4			22,828			(28,098		)	(5,266		)	—		(16,917		)	8,890			(377		)	(8,404		)	(13,670		)	258,697		245,027		3,126	(3,746	)	(620	)
Fidelity VIP Asset Manager (AdvantEdge )	(182		)	5,817			(6,493		)	(858		)	—		(3,773		)	(1,328		)	(530		)	(5,631		)	(6,489		)	62,499		56,010		14	(446	)	(432	)
Fidelity VIP Asset Manager (AnnuiChoice II )	338			7,416			(10,196		)	(2,442		)	1,295		(1,843		)	26,449			(113		)	25,788			23,346			96,058		119,404		1,997	(365	)	1,632
Fidelity VIP Asset Manager (AnnuiChoice )	569			17,915			(21,759		)	(3,275		)	—		(32,056		)	(889		)	(251		)	(33,196		)	(36,471		)	251,784		215,313		2	(2,068	)	(2,066	)
Fidelity VIP Asset Manager (GrandMaster flex3 )	(367		)	7,148			(10,836		)	(4,055		)	—		(24,630		)	55,913			(72		)	31,211			27,156			138,716		165,872		4,547	(2,646	)	1,901
Fidelity VIP Asset Manager (IQ Advisor Standard )	28			229			(281		)	(24		)	—		—			55			—			55			31			3,284		3,315		3	—		3
Fidelity VIP Asset Manager (Pinnacle )	(18		)	2,397			(3,054		)	(675		)	—		(425		)	(389		)	(33		)	(847		)	(1,522		)	29,152		27,630		247	(317	)	(70	)
Fidelity VIP Asset Manager (Pinnacle IV )	596			20,923			(26,961		)	(5,442		)	—		(84,097		)	175,369			(55		)	91,217			85,775			168,905		254,680		10,989	(5,343	)	5,646
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )	369			1,728			(2,891		)	(794		)	—		(10,093		)	45,411			(124		)	35,194			34,400			28,286		62,686		3,445	(746	)	2,699
Fidelity VIP Asset Manager (Pinnacle Plus )	(388		)	2,167			(1,509		)	270			—		(572		)	(42,326		)	(74		)	(42,972		)	(42,702		)	50,805		8,103		183	(2,807	)	(2,624	)
Fidelity VIP Asset Manager (Pinnacle V )	(2,316		)	111,769			(108,296		)	1,157			2,163		(130,716		)	(102,788		)	(2,013		)	(233,354		)	(232,197		)	651,909		419,712		7,940	(24,928	)	(16,988	)
Fidelity VIP Balanced (AdvantEdge )	(967		)	11,636			(13,817		)	(3,148		)	110		(24,097		)	(2,343		)	(1,286		)	(27,616		)	(30,764		)	267,018		236,254		28	(1,920	)	(1,892	)
Fidelity VIP Balanced (AnnuiChoice II )	3,303			38,304			(43,879		)	(2,272		)	393,291		(99,393		)	29,795			(1,468		)	322,225			319,953			568,210		888,163		28,050	(7,980	)	20,070
Fidelity VIP Balanced (AnnuiChoice )	1,526			31,034			(35,060		)	(2,500		)	—		(34,478		)	(52,514		)	(629		)	(87,621		)	(90,121		)	608,393		518,272		641	(5,266	)	(4,625	)
Fidelity VIP Balanced (GrandMaster flex3 )	(887		)	13,491			(15,628		)	(3,024		)	—		(34,149		)	6,050			(350		)	(28,449		)	(31,473		)	285,161		253,688		311	(1,756	)	(1,445	)
Fidelity VIP Balanced (Grandmaster )	(5,243		)	124,843			(127,022		)	(7,422		)	457,945		(1,156,103		)	93,203			(239		)	(605,194		)	(612,616		)	1,285,360		672,744		5,987	(39,227	)	(33,240	)
Fidelity VIP Balanced (IQ3 )	(900		)	36,172			(45,797		)	(10,525		)	85		(28,894		)	21,670			(625		)	(7,764		)	(18,289		)	860,478		842,189		3,996	(4,496	)	(500	)
Fidelity VIP Balanced (Pinnacle )	22			19,490			(23,337		)	(3,825		)	—		(25,693		)	9,522			(171		)	(16,342		)	(20,167		)	441,849		421,682		1,185	(2,059	)	(874	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Balanced (Pinnacle IV )	$	(2,024	)	$	56,956		$	(66,657	)	$	(11,725	)	$	1,210	$	(108,195	)	$	4,032		$	(419	)	$	(103,372	)	$	(115,097	)	$	1,233,876	$	1,118,779	1,552	(6,716	)	(5,164	)
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )	12			626			(552		)	86			—		(1,538		)	(19,249		)	(10		)	(20,797		)	(20,711		)	44,256		23,545		822	(2,214	)	(1,392	)
Fidelity VIP Balanced (Pinnacle Plus )	(393		)	6,893			(6,448		)	52			—		(18,250		)	(29,513		)	(88		)	(47,851		)	(47,799		)	124,456		76,657		168	(2,754	)	(2,586	)
Fidelity VIP Balanced (Pinnacle V )	(3,071		)	97,981			(110,111		)	(15,201		)	456,323		(212,852		)	(103,950		)	(6,306		)	133,215			118,014			1,241,111		1,359,125		40,312	(30,598	)	9,714
Fidelity VIP Contrafund (AdvantEdge )	(23,753		)	462,496			(459,348		)	(20,605		)	110		(374,611		)	(146,830		)	(18,826		)	(540,157		)	(560,762		)	3,196,701		2,635,939		2,949	(38,542	)	(35,593	)
Fidelity VIP Contrafund (AnnuiChoice II )	(15,732		)	627,468			(647,144		)	(35,408		)	347,020		(474,836		)	730			(11,913		)	(138,999		)	(174,407		)	4,251,106		4,076,699		24,168	(32,555	)	(8,387	)
Fidelity VIP Contrafund (AnnuiChoice )	(9,776		)	761,337			(747,438		)	4,123			2,238		(365,328		)	(124,598		)	(5,771		)	(493,459		)	(489,336		)	3,216,432		2,727,096		16,559	(36,193	)	(19,634	)
Fidelity VIP Contrafund (GrandMaster flex3 )	(13,988		)	611,008			(555,814		)	41,206			9,060		(98,967		)	372,140			(846		)	281,387			322,593			1,781,310		2,103,903		53,119	(38,713	)	14,406
Fidelity VIP Contrafund (IQ Advisor Enhanced )	(49		)	7,728			(8,278		)	(599		)	—		(70,700		)	—			—			(70,700		)	(71,299		)	71,299		—		—	(2,982	)	(2,982	)
Fidelity VIP Contrafund (IQ Advisor Standard )	(464		)	67,146			(72,476		)	(5,794		)	—		(138,461		)	(101,914		)	—			(240,375		)	(246,169		)	365,729		119,560		—	(10,062	)	(10,062	)
Fidelity VIP Contrafund (IQ3 )	(29,932		)	1,073,611			(1,076,082		)	(32,403		)	11,657		(575,626		)	(452,990		)	(3,060		)	(1,020,019		)	(1,052,422		)	4,946,706		3,894,284		11,002	(52,884	)	(41,882	)
Fidelity VIP Contrafund (Pinnacle IV )	(40,828		)	1,306,393			(1,298,913		)	(33,348		)	10,926		(861,138		)	(8,475		)	(1,481		)	(860,168		)	(893,516		)	6,192,175		5,298,659		15,442	(49,670	)	(34,228	)
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )	(1,694		)	48,993			(50,340		)	(3,041		)	39,789		(93,193		)	105,631			(527		)	51,700			48,659			432,657		481,316		10,725	(7,652	)	3,073
Fidelity VIP Contrafund (Pinnacle Plus )	(7,208		)	96,570			(96,092		)	(6,730		)	—		(64,642		)	(509,199		)	(432		)	(574,273		)	(581,003		)	1,117,493		536,490		431	(23,735	)	(23,304	)
Fidelity VIP Contrafund (Pinnacle V )	(118,867		)	2,571,571			(2,610,204		)	(157,500		)	2,805,519		(1,864,276		)	(1,804,695		)	(70,517		)	(933,969		)	(1,091,469		)	13,993,712		12,902,243		189,003	(254,113	)	(65,110	)
Fidelity VIP Disciplined Small Cap (Advantedge)	95			2,018			(1,478		)	635			—		(3,391		)	(762		)	(14		)	(4,167		)	(3,532		)	3,532		—		1,571	(1,782	)	(211	)
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )	(380		)	2,190			(4,035		)	(2,225		)	7,976		(5,550		)	13,904			(283		)	16,047			13,822			46,721		60,543		1,575	(452	)	1,123
Fidelity VIP Disciplined Small Cap (AnnuiChoice )	(638		)	5,350			(7,227		)	(2,515		)	72		(7,866		)	29,859			(182		)	21,883			19,368			96,882		116,250		2,212	(594	)	1,618
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )	(395		)	549			(1,316		)	(1,162		)	—		(754		)	(123		)	(15		)	(892		)	(2,054		)	32,493		30,439		5	(70	)	(65	)
Fidelity VIP Disciplined Small Cap (GrandMaster )	(857		)	7,649			(13,309		)	(6,517		)	—		(13,271		)	65,070			(18		)	51,781			45,264			45,085		90,349		4,656	(1,172	)	3,484
Fidelity VIP Disciplined Small Cap (IQ Advisor Standard )	(290		)	(3,245		)	2,241			(1,294		)	—		(63,572		)	—			(2		)	(63,574		)	(64,868		)	64,868		—		—	(4,393	)	(4,393	)
Fidelity VIP Disciplined Small Cap (IQ Annuity )	(745		)	3,301			(5,810		)	(3,254		)	—		(2,185		)	10,846			(47		)	8,614			5,360			64,599		69,959		965	(388	)	577
Fidelity VIP Disciplined Small Cap (Pinnacle )	(1,618		)	10,931			(13,921		)	(4,608		)	—		(21,722		)	(9,346		)	(100		)	(31,168		)	(35,776		)	166,542		130,766		—	(2,228	)	(2,228	)
Fidelity VIP Disciplined Small Cap (Pinnacle IV )	(4,207		)	23,738			(28,142		)	(8,611		)	683		(83,362		)	(1,484		)	(200		)	(84,363		)	(92,974		)	407,463		314,489		252	(6,129	)	(5,877	)
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )	(106		)	(20		)	(1,751		)	(1,877		)	—		(426		)	20,360			—			19,934			18,057			—		18,057		1,069	(24	)	1,045
Fidelity VIP Disciplined Small Cap (Pinnacle Plus )	(89		)	303			980			1,194			—		—			(19,902		)	(1		)	(19,903		)	(18,709		)	19,646		937		32	(1,406	)	(1,374	)
Fidelity VIP Disciplined Small Cap (Pinnacle V )	(7,662		)	33,349			(42,686		)	(16,999		)	56,814		(28,363		)	(233,548		)	(2,291		)	(207,388		)	(224,387		)	603,000		378,613		6,379	(21,578	)	(15,199	)
Fidelity VIP Equity-Income (AnnuiChoice II )	6,844			60,430			(87,320		)	(20,046		)	4,665		(67,895		)	5,444			(648		)	(58,434		)	(78,480		)	451,137		372,657		741	(4,804	)	(4,063	)
Fidelity VIP Equity-Income (AdvantEdge )	10,509			88,195			(147,814		)	(49,110		)	2,485		(109,683		)	12,288			(7,976		)	(102,886		)	(151,996		)	843,813		691,817		1,775	(9,922	)	(8,147	)
Fidelity VIP Equity-Income (AnnuiChoice )	17,937			204,623			(279,382		)	(56,822		)	1,114		(197,444		)	(73,016		)	(2,021		)	(271,367		)	(328,189		)	1,218,051		889,862		2,692	(18,514	)	(15,822	)
Fidelity VIP Equity-Income (GrandMaster flex3 )	2,303			28,431			(40,275		)	(9,541		)	—		(26,328		)	(17,852		)	(149		)	(44,329		)	(53,870		)	219,046		165,176		47	(2,581	)	(2,534	)
Fidelity VIP Equity-Income (IQ Advisor Standard )	275			1,095			(1,926		)	(556		)	—		—			8			—			8			(548		)	11,543		10,995		—	—		—
Fidelity VIP Equity-Income (IQ3 )	6,315			80,899			(113,555		)	(26,341		)	1,997		(71,163		)	(85,400		)	(399		)	(154,965		)	(181,306		)	624,059		442,753		284	(9,602	)	(9,318	)
Fidelity VIP Equity-Income (Pinnacle IV )	12,166			168,166			(232,282		)	(51,950		)	42,299		(181,611		)	(9,596		)	(590		)	(149,498		)	(201,448		)	1,021,135		819,687		3,310	(12,243	)	(8,933	)
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )	752			3,892			(6,882		)	(2,238		)	—		(1,403		)	131			(152		)	(1,424		)	(3,662		)	42,935		39,273		8	(93	)	(85	)
Fidelity VIP Equity-Income (Pinnacle Plus )	3,338			31,743			(51,272		)	(16,191		)	—		(34,681		)	(1,085		)	(1,006		)	(36,772		)	(52,963		)	305,740		252,777		66	(2,052	)	(1,986	)
Fidelity VIP Equity-Income (Pinnacle V )	8,041			210,443			(304,179		)	(85,695		)	65,218		(170,417		)	(556,977		)	(4,567		)	(666,743		)	(752,438		)	1,777,320		1,024,882		18,205	(78,522	)	(60,317	)
Fidelity VIP Freedom 2010 (Advantedge )	(51		)	1,633			(3,935		)	(2,353		)	—		(3,453		)	12			(974		)	(4,415		)	(6,768		)	117,448		110,680		16	(358	)	(342	)
Fidelity VIP Freedom 2010 (AnnuiChoice II )	302			9,208			(12,506		)	(2,996		)	—		(14,401		)	(22,612		)	(1,092		)	(38,105		)	(41,101		)	180,049		138,948		50	(3,045	)	(2,995	)
Fidelity VIP Freedom 2010 (AnnuiChoice )	(14		)	712			(587		)	111			—		(11,227		)	—			(16		)	(11,243		)	(11,132		)	11,132		—		—	(851	)	(851	)
Fidelity VIP Freedom 2010 (GrandMaster )	114			476			(1,585		)	(995		)	—		—			(576		)	—			(576		)	(1,571		)	53,512		51,941		—	(46	)	(46	)
Fidelity VIP Freedom 2010 (IQ Annuity )	69			709			(1,880		)	(1,102		)	—		(657		)	—			(72		)	(729		)	(1,831		)	57,320		55,489		—	(57	)	(57	)
Fidelity VIP Freedom 2010 (Pinnacle )	34			54			(371		)	(283		)	—		—			—			(23		)	(23		)	(306		)	15,159		14,853		—	(2	)	(2	)
Fidelity VIP Freedom 2010 (Pinnacle IV )	83			315			(1,703		)	(1,305		)	—		—			—			(12		)	(12		)	(1,317		)	66,181		64,864		—	(1	)	(1	)
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )	222			36			(306		)	(48		)	—		—			13,926			—			13,926			13,878			—		13,878		1,097	—		1,097
Fidelity VIP Freedom 2010 (Pinnacle Plus )	(246		)	1,636			(1,860		)	(470		)	—		—			(13,926		)	(17		)	(13,943		)	(14,413		)	23,635		9,222		—	(1,144	)	(1,144	)
Fidelity VIP Freedom 2010 (Pinnacle V )	(2,358		)	39,568			(45,522		)	(8,312		)	—		(176,832		)	(119,778		)	(3,180		)	(299,790		)	(308,102		)	744,728		436,626		43	(24,061	)	(24,018	)
Fidelity VIP Freedom 2015 (AdvantEdge )	(761		)	9,368			(10,317		)	(1,710		)	—		(41,843		)	(18,379		)	(893		)	(61,115		)	(62,825		)	145,610		82,785		31	(4,802	)	(4,771	)
Fidelity VIP Freedom 2015 (AnnuiChoice II )	291			15,979			(19,882		)	(3,612		)	10,000		(12,004		)	(23,848		)	(270		)	(26,122		)	(29,734		)	165,446		135,712		1,356	(3,489	)	(2,133	)
Fidelity VIP Freedom 2015 (IQ Advisor Standard )	3,522			2,123			(9,470		)	(3,825		)	—		—			—			—			—			(3,825		)	346,881		343,056		—	—		—
Fidelity VIP Freedom 2015 (IQ Annuity )	3,141			7,420			(36,707		)	(26,146		)	—		(16,947		)	516,923			(245		)	499,731			473,585			48,019		521,604		39,848	(1,361	)	38,487
Fidelity VIP Freedom 2015 (Pinnacle IV )	(26		)	546			(506		)	14			—		(3,181		)	—			(60		)	(3,241		)	(3,227		)	5,004		1,777		—	(254	)	(254	)
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )	117			55			(730		)	(558		)	—		—			17,628			—			17,628			17,070			—		17,070		1,331	—		1,331
Fidelity VIP Freedom 2015 (Pinnacle Plus )	(280		)	6,878			(11,947		)	(5,349		)	—		(9,935		)	(12,376		)	(20		)	(22,331		)	(27,680		)	55,398		27,718		6,027	(8,217	)	(2,190	)
Fidelity VIP Freedom 2015 (Pinnacle V )	12,541			295,890			(332,839		)	(24,408		)	—		(2,447,681		)	(132,061		)	(10,707		)	(2,590,449		)	(2,614,857		)	3,815,959		1,201,102		25,590	(234,968	)	(209,378	)
Fidelity VIP Freedom 2020 (AdvantEdge )	(624		)	7,181			(10,730		)	(4,173		)	—		(53,203		)	3,789			(760		)	(50,174		)	(54,347		)	221,100		166,753		353	(4,361	)	(4,008	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2020 (AnnuiChoice II )	$	3,112		$	17,850		$	(34,355	)	$	(13,393	)	$	106,151	$	(76,400	)	$	(17,220	)	$	(2,718	)	$	9,813		$	(3,580	)	$	704,638	$	701,058	3,126	(2,506	)	620
Fidelity VIP Freedom 2020 (AnnuiChoice )	242			235			(1,051		)	(574		)	—		—			—			(30		)	(30		)	(604		)	39,659		39,055		—	(2	)	(2	)
Fidelity VIP Freedom 2020 (GrandMaster flex3 )	145			43			(1,055		)	(867		)	—		(740		)	18,220			—			17,480			16,613			—		16,613		1,444	(60	)	1,384
Fidelity VIP Freedom 2020 (GrandMaster )	116			425			(1,383		)	(842		)	—		—			—			—			—			(842		)	46,750		45,908		—	—		—
Fidelity VIP Freedom 2020 (IQ Annuity )	1,797			960			(18,512		)	(15,755		)	320		(4,994		)	301,629			(69		)	296,886			281,131			—		281,131		23,617	(400	)	23,217
Fidelity VIP Freedom 2020 (Pinnacle IV )	85			512			(1,706		)	(1,109		)	—		—			—			—			—			(1,109		)	58,352		57,243		—	—		—
Fidelity VIP Freedom 2020 (Pinnacle )	36			808			(1,015		)	(171		)	—		(7,925		)	—			(6		)	(7,931		)	(8,102		)	33,653		25,551		—	(614	)	(614	)
Fidelity VIP Freedom 2020 (Pinnacle Plus )	(18		)	124			(558		)	(452		)	—		—			—			(2		)	(2		)	(454		)	21,297		20,843		—	—		—
Fidelity VIP Freedom 2020 (Pinnacle V )	(355		)	129,753			(204,872		)	(75,474		)	351,302		(328,884		)	434			(31,747		)	(8,895		)	(84,369		)	3,989,736		3,905,367		39,454	(39,837	)	(383	)
Fidelity VIP Freedom 2025 (Advantedge)	85			1,521			(5,967		)	(4,361		)	—		(900		)	13,796			(1,590		)	11,306			6,945			173,920		180,865		1,022	(204	)	818
Fidelity VIP Freedom 2025 (AnnuiChoice II )	1,379			5,422			(12,052		)	(5,251		)	12,500		—			42,673			(1,652		)	53,521			48,270			178,622		226,892		6,120	(2,150	)	3,970
Fidelity VIP Freedom 2025 (GrandMaster )	(15		)	386			(297		)	74			—		—			(2,443		)	(3		)	(2,446		)	(2,372		)	2,372		—		—	(184	)	(184	)
Fidelity VIP Freedom 2025 (IQ Annuity )	755			1,114			(9,241		)	(7,372		)	320		(2,655		)	105,061			(36		)	102,690			95,318			79,045		174,363		7,913	(204	)	7,709
Fidelity VIP Freedom 2025 (Pinnacle )	12			45			(142		)	(85		)	—		—			—			—			—			(85		)	4,651		4,566		—	—		—
Fidelity VIP Freedom 2025 (Pinnacle IV )	43			229			(841		)	(569		)	—		—			—			(30		)	(30		)	(599		)	29,262		28,663		—	(2	)	(2	)
Fidelity VIP Freedom 2025 (Pinnacle Plus )	(8		)	62			(265		)	(211		)	—		—			—			—			—			(211		)	9,787		9,576		—	—		—
Fidelity VIP Freedom 2025 (Pinnacle V )	9,035			58,250			(132,044		)	(64,759		)	589,136		(98,683		)	281,459			(23,373		)	748,539			683,780			2,404,621		3,088,401		67,855	(8,316	)	59,539
Fidelity VIP Freedom 2030 (AnnuiChoice II )	(64		)	13,861			(15,618		)	(1,821		)	—		—			(26,629		)	(65		)	(26,694		)	(28,515		)	78,325		49,810		—	(2,180	)	(2,180	)
Fidelity VIP Freedom 2030 (Grandmaster )	18			10			(162		)	(134		)	—		—			2,443			—			2,443			2,309			—		2,309		188	—		188
Fidelity VIP Freedom 2030 (IQ Annuity )	149			838			(3,558		)	(2,571		)	15,526		—			—			(48		)	15,478			12,907			105,082		117,989		1,236	(3	)	1,233
Fidelity VIP Freedom 2030 (Pinnacle )	18			8			(183		)	(157		)	—		—			2,309			—			2,309			2,152			—		2,152		175	—		175
Fidelity VIP Freedom 2030 (Pinnacle IV )	—			5			(15		)	(10		)	—		—			—			(4		)	(4		)	(14		)	468		454		—	—		—
Fidelity VIP Freedom 2030 (Pinnacle Plus )	(626		)	4,176			(2,253		)	1,297			—		(59,968		)	—			(36		)	(60,004		)	(58,707		)	58,707		—		—	(4,818	)	(4,818	)
Fidelity VIP Freedom 2030 (Pinnacle V )	317			36,341			(36,797		)	(139		)	1,050		(58,459		)	75,144			(216		)	17,519			17,380			292,578		309,958		6,578	(4,606	)	1,972
Fidelity VIP Growth (AnnuiChoice II )	(1,884		)	80,473			(65,704		)	12,885			21,169		(62,709		)	(138,119		)	(336		)	(179,995		)	(167,110		)	340,378		173,268		1,842	(11,890	)	(10,048	)
Fidelity VIP Growth (GrandMaster )	(8,555		)	97,779			(52,661		)	36,563			16,342		(60,907		)	(115,523		)	(116		)	(160,204		)	(123,641		)	713,138		589,497		1,773	(11,814	)	(10,041	)
Fidelity VIP Growth (AdvantEdge )	(1,492		)	9,342			(1,774		)	6,076			—		(27,816		)	19,215			(239		)	(8,840		)	(2,764		)	96,350		93,586		3,965	(4,481	)	(516	)
Fidelity VIP Growth (AnnuiChoice )	(3,340		)	97,656			(78,436		)	15,880			5,238		(47,525		)	(87,403		)	(718		)	(130,408		)	(114,528		)	529,251		414,723		6,485	(16,581	)	(10,096	)
Fidelity VIP Growth (GrandMaster flex3 )	(2,962		)	66,539			(63,836		)	(259		)	1,320		(2,772		)	(641,233		)	(77		)	(642,762		)	(643,021		)	825,565		182,544		76	(37,707	)	(37,631	)
Fidelity VIP Growth (IQ Advisor Standard )	(39		)	229			234			424			—		—			—			—			—			424			6,775		7,199		—	—		—
Fidelity VIP Growth (IQ3 )	(8,505		)	76,226			(49,181		)	18,540			1,895		(31,492		)	(479,255		)	(347		)	(509,199		)	(490,659		)	837,529		346,870		3,973	(40,978	)	(37,005	)
Fidelity VIP Growth (Pinnacle )	(3,423		)	49,605			(39,159		)	7,023			627		(17,689		)	(71,313		)	(88		)	(88,463		)	(81,440		)	390,549		309,109		8,161	(14,508	)	(6,347	)
Fidelity VIP Growth (Pinnacle IV )	(12,496		)	162,456			(104,441		)	45,519			—		(131,959		)	(204,287		)	(857		)	(337,103		)	(291,584		)	1,080,524		788,940		773	(22,539	)	(21,766	)
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )	(469		)	3,016			(1,678		)	869			—		(18,029		)	62,149			(48		)	44,072			44,941			18,041		62,982		3,296	(969	)	2,327
Fidelity VIP Growth (Pinnacle Plus )	(689		)	37,069			(31,148		)	5,232			—		(48,122		)	(64,538		)	(58		)	(112,718		)	(107,486		)	107,486		—		—	(5,543	)	(5,543	)
Fidelity VIP Growth (Pinnacle V )	(34,771		)	379,030			(242,280		)	101,979			762,587		(99,076		)	(769,058		)	(9,896		)	(115,443		)	(13,464		)	1,973,330		1,959,866		51,488	(58,929	)	(7,441	)
Fidelity VIP High Income (AdvantEdge )	17,857			(27,955		)	(4,226		)	(14,324		)	110		(67,095		)	(26,821		)	(1,402		)	(95,208		)	(109,532		)	485,319		375,787		107,068	(113,268	)	(6,200	)
Fidelity VIP High Income (AnnuiChoice II )	25,385			(17,990		)	(36,872		)	(29,477		)	15,647		(9,649		)	270,128			(299		)	275,827			246,350			201,380		447,730		84,429	(66,568	)	17,861
Fidelity VIP High Income (AnnuiChoice )	20,433			(22,365		)	(11,636		)	(13,568		)	—		(24,808		)	(90,262		)	(402		)	(115,472		)	(129,040		)	403,164		274,124		5,382	(11,710	)	(6,328	)
Fidelity VIP High Income (GrandMaster flex3 )	271,885			(105,572		)	(599,264		)	(432,951		)	—		(365,711		)	5,582,838			(275		)	5,216,852			4,783,901			514,345		5,298,246		1,143,289	(875,073	)	268,216
Fidelity VIP High Income (IQ Advisor Standard )	200			(1		)	(357		)	(158		)	—		—			203			—			203			45			3,140		3,185		11	—		11
Fidelity VIP High Income (IQ3 )	38,205			(37,999		)	(33,968		)	(33,762		)	—		(118,959		)	273,734			(357		)	154,418			120,656			563,550		684,206		99,104	(90,813	)	8,291
Fidelity VIP High Income (Pinnacle )	141,346			(55,124		)	(276,969		)	(190,747		)	—		(94,387		)	2,464,487			(51		)	2,370,049			2,179,302			372,242		2,551,544		546,154	(408,345	)	137,809
Fidelity VIP High Income (Pinnacle IV )	19,087			(20,537		)	(22,698		)	(24,148		)	—		(44,810		)	160,739			(167		)	115,762			91,614			274,218		365,832		30,340	(24,505	)	5,835
Fidelity VIP High Income (Pinnacle II Reduced M&E )	20,943			(3,065		)	(42,199		)	(24,321		)	—		(3,390		)	376,738			—			373,348			349,027			—		349,027		61,093	(39,428	)	21,665
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )	642			(153		)	(1,076		)	(587		)	—		(902		)	3,392			(12		)	2,478			1,891			11,773		13,664		295	(79	)	216
Fidelity VIP High Income (Pinnacle Plus )	1,683			(915		)	(2,402		)	(1,634		)	—		(9,814		)	(2,654		)	(72		)	(12,540		)	(14,174		)	44,700		30,526		31	(744	)	(713	)
Fidelity VIP High Income (Pinnacle V )	171,073			(15,459		)	(307,402		)	(151,788		)	94,977		(79,675		)	1,984,109			(1,667		)	1,997,744			1,845,956			938,839		2,784,795		219,093	(69,916	)	149,177
Fidelity VIP II Index 500 (Pinnacle )	4,170			68,376			(76,520		)	(3,974		)	16,144		(72,588		)	44,917			(166		)	(11,693		)	(15,667		)	949,696		934,029		14,215	(15,124	)	(909	)
Fidelity VIP II Index 500 (Pinnacle IV )	54,220			207,071			(302,794		)	(41,503		)	1,200		(319,333		)	3,586,738			(524		)	3,268,081			3,226,578			1,717,964		4,944,542		255,473	(27,374	)	228,099
Fidelity VIP II Index 500 (Pinnacle V )	155,320			390,139			(652,717		)	(107,258		)	2,403,837		(579,816		)	9,086,984			(33,434		)	10,877,571			10,770,313			5,694,484		16,464,797		851,767	(68,192	)	783,575
Fidelity VIP Index 500 (AdvantEdge )	5,366			53,514			(67,994		)	(9,114		)	2,588		(62,841		)	221,153			(6,187		)	154,713			145,599			1,325,224		1,470,823		18,101	(8,222	)	9,879
Fidelity VIP Index 500 (AnnuiChoice II )	25,200			57,764			(95,627		)	(12,663		)	835,088		(144,293		)	484,219			(5,365		)	1,169,649			1,156,986			1,925,691		3,082,677		89,898	(10,294	)	79,604
Fidelity VIP Index 500 (AnnuiChoice )	9,829			200,698			(200,127		)	10,400			5,334		(632,947		)	420,515			(1,076		)	(208,174		)	(197,774		)	1,180,585		982,811		25,549	(37,625	)	(12,076	)
Fidelity VIP Index 500 (Grandmaster flex3 )	1,821			9,681			(14,025		)	(2,523		)	1,980		(11,493		)	65,724			(342		)	55,869			53,346			230,752		284,098		8,207	(4,331	)	3,876
Fidelity VIP Index 500 (Grandmaster )	23,991			87,979			(126,486		)	(14,516		)	43,810		(154,261		)	1,405,506			(275		)	1,294,780			1,280,264			986,170		2,266,434		100,663	(10,937	)	89,726

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Index 500 (IQ Advisor Standard )	$	1,116		$	31,913		$	(33,255	)	$	(226	)	$	—	$	(5,967	)	$	(93,364	)	$	—		$	(99,331	)	$	(99,557	)	$	191,041	$	91,484	648	(7,227	)	(6,579	)
Fidelity VIP Index 500 (IQ3 )	1,025			255,802			(261,527		)	(4,700		)	1,975		(79,166		)	(731,602		)	(1,271		)	(810,064		)	(814,764		)	1,729,671		914,907		2,334	(50,371	)	(48,037	)
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )	2,177			1,293			(4,517		)	(1,047		)	—		(2,379		)	97,046			(236		)	94,431			93,384			114,399		207,783		5,554	(320	)	5,234
Fidelity VIP Index 500 (Pinnacle Plus )	1,935			24,698			(31,622		)	(4,989		)	—		(20,034		)	186,192			(209		)	165,949			160,960			312,284		473,244		11,056	(3,106	)	7,950
Fidelity VIP Investment Grade Bond (AdvantEdge )	11,534			1,966			(50,433		)	(36,933		)	—		(156,026		)	4,505			(9,535		)	(161,056		)	(197,989		)	1,695,849		1,497,860		12,997	(25,796	)	(12,799	)
Fidelity VIP Investment Grade Bond (AnnuiChoice II )	44,901			(3,894		)	(105,939		)	(64,932		)	781,083		(151,404		)	122,077			(13,942		)	737,814			672,882			2,621,450		3,294,332		71,257	(16,489	)	54,768
Fidelity VIP Investment Grade Bond (AnnuiChoice )	18,966			61,765			(103,596		)	(22,865		)	5,607		(701,333		)	11,549			(2,087		)	(686,264		)	(709,129		)	2,125,831		1,416,702		3,289	(42,585	)	(39,296	)
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )	2,388			(5,257		)	(7,966		)	(10,835		)	—		(106,724		)	113,724			(481		)	6,519			(4,316		)	432,513		428,197		36,877	(36,427	)	450
Fidelity VIP Investment Grade Bond (GrandMaster )	7,972			(8,197		)	(21,681		)	(21,906		)	80,671		(330,586		)	(5,838		)	(199		)	(255,952		)	(277,858		)	1,208,279		930,421		13,371	(33,258	)	(19,887	)
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )	2,853			(4,010		)	(3,456		)	(4,613		)	—		(170,148		)	192,712			—			22,564			17,951			163,739		181,690		12,866	(11,484	)	1,382
Fidelity VIP Investment Grade Bond (IQ3 )	9,304			(4,077		)	(32,866		)	(27,639		)	708		(177,900		)	12,074			(1,093		)	(166,211		)	(193,850		)	1,345,220		1,151,370		10,763	(21,193	)	(10,430	)
Fidelity VIP Investment Grade Bond (Pinnacle )	11,582			20,376			(62,563		)	(30,605		)	8,782		(107,744		)	(159,243		)	(227		)	(258,432		)	(289,037		)	1,547,616		1,258,579		19,304	(37,998	)	(18,694	)
Fidelity VIP Investment Grade Bond (Pinnacle IV )	836			1,426			(12,005		)	(9,743		)	34,775		(279,918		)	(48,037		)	(182		)	(293,362		)	(303,105		)	643,444		340,339		6,417	(27,795	)	(21,378	)
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )	(66		)	51			(192		)	(207		)	—		(859		)	24			(7		)	(842		)	(1,049		)	10,002		8,953		4,992	(5,054	)	(62	)
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )	956			156			(2,473		)	(1,361		)	1,100		(789		)	11,450			(27		)	11,734			10,373			58,094		68,467		1,637	(566	)	1,071
Fidelity VIP Investment Grade Bond (Pinnacle Plus )	1,238			(1,308		)	(5,153		)	(5,223		)	—		(27,734		)	(30,784		)	(480		)	(58,998		)	(64,221		)	270,865		206,644		73	(4,464	)	(4,391	)
Fidelity VIP Investment Grade Bond (Pinnacle V )	135,093			(23,738		)	(404,190		)	(292,835		)	4,370,378		(810,516		)	203,823			(79,706		)	3,683,979			3,391,144			9,424,977		12,816,121		401,102	(111,003	)	290,099
Fidelity VIP Mid Cap (AdvantEdge )	(3,187		)	37,895			(42,793		)	(8,085		)	—		(60,487		)	50,478			(1,048		)	(11,057		)	(19,142		)	272,253		253,111		5,932	(6,632	)	(700	)
Fidelity VIP Mid Cap (AnnuiChoice II )	(6,563		)	113,528			(129,183		)	(22,218		)	54,074		(191,649		)	(4,752		)	(1,759		)	(144,086		)	(166,304		)	854,928		688,624		4,102	(12,435	)	(8,333	)
Fidelity VIP Mid Cap (AnnuiChoice )	(7,132		)	165,922			(174,625		)	(15,835		)	12,330		(148,920		)	(15,175		)	(1,159		)	(152,924		)	(168,759		)	988,499		819,740		736	(5,062	)	(4,326	)
Fidelity VIP Mid Cap (GrandMaster flex3 )	(6,129		)	76,871			(81,987		)	(11,245		)	—		(138,209		)	(41,135		)	(396		)	(179,740		)	(190,985		)	508,542		317,557		367	(6,485	)	(6,118	)
Fidelity VIP Mid Cap (Grandmaster )	(6,017		)	65,833			(86,008		)	(26,192		)	375		(73,711		)	233,546			(108		)	160,102			133,910			471,008		604,918		9,562	(3,728	)	5,834
Fidelity VIP Mid Cap (IQ Advisor Standard )	(1,475		)	41,650			(46,254		)	(6,079		)	—		(213,688		)	(101,142		)	—			(314,830		)	(320,909		)	429,785		108,876		—	(11,254	)	(11,254	)
Fidelity VIP Mid Cap (IQ Annuity )	(24,203		)	346,994			(360,848		)	(38,057		)	14,476		(209,247		)	(396,582		)	(2,057		)	(593,410		)	(631,467		)	2,467,069		1,835,602		6,327	(23,945	)	(17,618	)
Fidelity VIP Mid Cap (Pinnacle )	(5,519		)	78,435			(84,099		)	(11,183		)	3,241		(60,681		)	(7,940		)	(327		)	(65,707		)	(76,890		)	576,139		499,249		6,755	(10,799	)	(4,044	)
Fidelity VIP Mid Cap (Pinnacle IV )	(30,747		)	413,647			(443,655		)	(60,755		)	89,799		(528,465		)	(68,157		)	(1,086		)	(507,909		)	(568,664		)	2,639,200		2,070,536		1,664	(17,365	)	(15,701	)
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )	(1,796		)	24,209			(27,717		)	(5,304		)	1,650		(38,265		)	36,869			(205		)	49			(5,255		)	211,556		206,301		2,982	(2,941	)	41
Fidelity VIP Mid Cap (Pinnacle Plus )	(2,763		)	44,085			(37,048		)	4,274			—		(132,235		)	46,524			(368		)	(86,079		)	(81,805		)	264,511		182,706		3,118	(5,568	)	(2,450	)
Fidelity VIP Mid Cap (Pinnacle V )	(30,434		)	318,149			(349,625		)	(61,910		)	168,454		(493,203		)	(80,939		)	(7,435		)	(413,123		)	(475,033		)	2,291,449		1,816,416		21,091	(49,004	)	(27,913	)
Fidelity VIP Overseas (AdvantEdge )	(2,592		)	27,801			(15,250		)	9,959			—		(42,601		)	9,246			(2,875		)	(36,230		)	(26,271		)	492,494		466,223		5,903	(9,542	)	(3,639	)
Fidelity VIP Overseas (AnnuiChoice II )	(578		)	18,792			(10,540		)	7,674			3,373		(30,420		)	(27,541		)	(294		)	(54,882		)	(47,208		)	337,870		290,662		4,090	(8,909	)	(4,819	)
Fidelity VIP Overseas (AnnuiChoice )	743			23,197			(13,081		)	10,859			2,013		(35,687		)	(51,669		)	(690		)	(86,033		)	(75,174		)	415,446		340,272		545	(6,653	)	(6,108	)
Fidelity VIP Overseas (GrandMaster flex3 )	(1,193		)	35,644			(38,298		)	(3,847		)	—		(61,656		)	69,619			(281		)	7,682			3,835			179,361		183,196		9,124	(9,071	)	53
Fidelity VIP Overseas (GrandMaster )	(1,829		)	45,282			(28,870		)	14,583			1,609		(150,354		)	63,782			(62		)	(85,025		)	(70,442		)	465,457		395,015		11,345	(19,885	)	(8,540	)
Fidelity VIP Overseas (IQ Advisor Standard )	41			18			127			186			—		—			65			—			65			251			7,158		7,409		4	—		4
Fidelity VIP Overseas (IQ3 )	1,576			5,597			8,718			15,891			5,145		(41,267		)	(2,727		)	(250		)	(39,099		)	(23,208		)	493,262		470,054		18,608	(20,977	)	(2,369	)
Fidelity VIP Overseas (Pinnacle )	(230		)	37,113			(26,039		)	10,844			—		(35,582		)	(30,174		)	(107		)	(65,863		)	(55,019		)	390,713		335,694		5,111	(9,198	)	(4,087	)
Fidelity VIP Overseas (Pinnacle IV )	(2,097		)	20,021			(8,685		)	9,239			5,164		(98,848		)	(11,312		)	(283		)	(105,279		)	(96,040		)	436,481		340,441		700	(7,579	)	(6,879	)
Fidelity VIP Overseas (Pinnacle II Reduced M&E )	(36		)	(713		)	—			(749		)	—		—			749			—			749			—			—		—		—	—		—
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	5			33			1,715			1,753			—		(2,573		)	31,663			(208		)	28,882			30,635			76,079		106,714		2,711	(295	)	2,416
Fidelity VIP Overseas (Pinnacle Plus )	(634		)	7,505			(3,408		)	3,463			—		(5,417		)	(24,906		)	(60		)	(30,383		)	(26,920		)	160,217		133,297		1,161	(2,777	)	(1,616	)
Fidelity VIP Overseas (Pinnacle V )	(6,100		)	166,736			(149,777		)	10,859			37,235		(135,531		)	(294,079		)	(2,955		)	(395,330		)	(384,471		)	1,265,743		881,272		35,988	(81,237	)	(45,249	)
Fidelity VIP Target Volatility (AdvantEdge )	(731		)	824			(4,701		)	(4,608		)	—		—			960			(1,009		)	(49		)	(4,657		)	113,013		108,356		1,503	(1,634	)	(131	)
Fidelity VIP Target Volatility (AnnuiChoice II )	(897		)	13,365			(27,861		)	(15,393		)	—		(35,088		)	39,144			(8,084		)	(4,028		)	(19,421		)	667,417		647,996		3,823	(4,100	)	(277	)
Fidelity VIP Target Volatility (GrandMaster )	217			179			(3,686		)	(3,290		)	—		(656		)	65,511			—			64,855			61,565			—		61,565		5,955	(63	)	5,892
Fidelity VIP Target Volatility (Pinnacle IV )	(105		)	310			(776		)	(571		)	—		(956		)	—			—			(956		)	(1,527		)	20,259		18,732		—	(93	)	(93	)
Fidelity VIP Target Volatility (Pinnacle V )	1,054			6,976			(39,830		)	(31,800		)	506,920		(5,130		)	164,532			(5,227		)	661,095			629,295			219,053		848,348		62,143	(1,064	)	61,079
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )	(1,270		)	1,386			(6,968		)	(6,852		)	—		(34,706		)	42,640			(43		)	7,891			1,039			82,382		83,421		2,900	(2,428	)	472
Columbia VIT Mid Cap Value (AnnuiChoice II )	(1,126		)	20,397			(23,144		)	(3,873		)	36,337		(24,151		)	(15,727		)	(281		)	(3,822		)	(7,695		)	98,580		90,885		5,850	(5,973	)	(123	)
Columbia VIT Mid Cap Value (Annuichoice )	(1,551		)	3,492			(10,267		)	(8,326		)	—		(11,018		)	199,638			(77		)	188,543			180,217			132,182		312,399		14,867	(1,385	)	13,482
Columbia VIT Mid Cap Value (Grandmaster flex3 )	(2,631		)	3,299			(5,373		)	(4,705		)	—		(3,481		)	406,580			(62		)	403,037			398,332			79,940		478,272		31,357	(1,668	)	29,689
Columbia VIT Mid Cap Value (Grandmaster )	(2,104		)	35,447			(38,386		)	(5,043		)	—		(42,517		)	(124,079		)	(3		)	(166,599		)	(171,642		)	269,342		97,700		287	(11,567	)	(11,280	)
Columbia VIT Mid Cap Value (Pinnacle )	(1,976		)	4,377			(10,992		)	(8,591		)	—		(32,237		)	167,579			(11		)	135,331			126,740			104,603		231,343		11,928	(2,212	)	9,716
Columbia VIT Mid Cap Value (Pinnacle IV )	(2,278		)	35			(6,780		)	(9,023		)	—		(64		)	107,309			(13		)	107,232			98,209			135,142		233,351		7,959	(137	)	7,822
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )	—			—			(27		)	(27		)	—		—			4,734			—			4,734			4,707			—		4,707		340	—		340

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 1 (continued):
Columbia VIT Mid Cap Value (Pinnacle Plus )	$	(1,908	)	$	3,149		$	(7,152	)	$	(5,911	)	$	—	$	(41,687	)	$	17,622		$	(95	)	$	(24,160	)	$	(30,071	)	$	132,242	$	102,171	3,373	(4,955	)	(1,582	)
Columbia VIT Mid Cap Value (Pinnacle V )	(8,197		)	34,018			(59,175		)	(33,354		)	45,890		(12,721		)	(141,915		)	(928		)	(109,674		)	(143,028		)	576,305		433,277		5,619	(13,400	)	(7,781	)
Franklin Growth and Income VIP Fund (Pinnacle )	61,964			29,274			(162,077		)	(70,839		)	—		(670,755		)	(77,265		)	(1,772		)	(749,792		)	(820,631		)	2,985,434		2,164,803		3,258	(40,499	)	(37,241	)
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	178			188			(492		)	(126		)	—		—			—			(23		)	(23		)	(149		)	7,323		7,174		—	(1	)	(1	)
Franklin Income VIP Fund (Pinnacle )	220,757			(96,106		)	(647,927		)	(523,276		)	378,982		(1,133,307		)	(70,108		)	(2,055		)	(826,488		)	(1,349,764		)	6,775,367		5,425,603		9,735	(46,954	)	(37,219	)
Franklin Income VIP Fund (Pinnacle II Reduced M&E )	12,321			363			(36,250		)	(23,566		)	—		(60,828		)	1,199			(29		)	(59,658		)	(83,224		)	316,625		233,401		1,094	(3,777	)	(2,683	)
JP Morgan IT Mid Cap Value (AnnuiChoice )	69			22,303			(27,860		)	(5,488		)	—		(15,923		)	(41		)	(341		)	(16,305		)	(21,793		)	157,461		135,668		5	(581	)	(576	)
JP Morgan IT Mid Cap Value (Grandmaster )	(314		)	8,827			(11,700		)	(3,187		)	—		(3,081		)	—			(4		)	(3,085		)	(6,272		)	85,249		78,977		—	(106	)	(106	)
JP Morgan IT Mid Cap Value (GrandMaster flex3 )	(749		)	11,223			(15,908		)	(5,434		)	—		(68		)	—			(223		)	(291		)	(5,725		)	130,662		124,937		—	(11	)	(11	)
JP Morgan IT Mid Cap Value (IQ3 )	(361		)	9,190			(11,979		)	(3,150		)	—		(4,310		)	—			(49		)	(4,359		)	(7,509		)	79,292		71,783		—	(158	)	(158	)
JP Morgan IT Mid Cap Value (Pinnacle )	(306		)	9,387			(12,315		)	(3,234		)	—		(3,869		)	—			(55		)	(3,924		)	(7,158		)	86,124		78,966		—	(137	)	(137	)
JP Morgan IT Mid Cap Value (Pinnacle IV )	(1,296		)	43,071			(52,912		)	(11,137		)	—		(29,910		)	—			(438		)	(30,348		)	(41,485		)	301,277		259,792		—	(1,080	)	(1,080	)
JP Morgan IT Mid Cap Value (Pinnacle Plus )	(22		)	2,629			(2,609		)	(2		)	—		(2,791		)	(6,904		)	(23		)	(9,718		)	(9,720		)	9,720		—		—	(349	)	(349	)
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )	(99		)	4,792			(6,016		)	(1,323		)	—		(3,224		)	(5,372		)	(34		)	(8,630		)	(9,953		)	49,241		39,288		345	(781	)	(436	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	1,727			1,056			(3,483		)	(700		)	—		(6,598		)	—			(59		)	(6,657		)	(7,357		)	45,737		38,380		—	(268	)	(268	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	62			2			(98		)	(34		)	—		—			—			(3		)	(3		)	(37		)	1,496		1,459		—	—		—
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )	1,258			119			(2,267		)	(890		)	—		—			—			(3		)	(3		)	(893		)	33,637		32,744		—	—		—
Morgan Stanley UIF Emerging Markets Debt (IQ3 )	3,212			(1,186		)	(3,875		)	(1,849		)	—		(20,114		)	—			(87		)	(20,201		)	(22,050		)	94,977		72,927		—	(875	)	(875	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )	17,540			(18,340		)	(6,149		)	(6,949		)	270		(39,818		)	(67,172		)	(274		)	(106,994		)	(113,943		)	445,346		331,403		2,306	(6,631	)	(4,325	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )	2,927			(4,429		)	578			(924		)	—		(4,886		)	302			—			(4,584		)	(5,508		)	35,290		29,782		1,403	(1,600	)	(197	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	2,628			7,710			(12,487		)	(2,149		)	—		(109,899		)	(9,602		)	(35		)	(119,536		)	(121,685		)	172,799		51,114		—	(4,683	)	(4,683	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	970			30,364			(29,999		)	1,335			—		(27,022		)	(51,167		)	(635		)	(78,824		)	(77,489		)	293,804		216,315		—	(2,332	)	(2,332	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	(2		)	25,549			(21,660		)	3,887			—		(75,255		)	—			(21		)	(75,276		)	(71,389		)	84,859		13,470		—	(4,954	)	(4,954	)
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )	(272		)	774			219			721			—		—			—			(125		)	(125		)	596			122,995		123,591		—	(4	)	(4	)
Morgan Stanley UIF U.S. Real Estate (IQ3 )	(609		)	17,492			(14,358		)	2,525			—		(39,426		)	—			(304		)	(39,730		)	(37,205		)	486,061		448,856		—	(1,264	)	(1,264	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle )	(715		)	182,959			(183,202		)	(958		)	—		(164,287		)	(96,233		)	(514		)	(261,034		)	(261,992		)	1,414,518		1,152,526		2,161	(8,590	)	(6,429	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	(1,003		)	55,550			(47,021		)	7,526			—		(122,508		)	(6,984		)	(290		)	(129,782		)	(122,256		)	784,367		662,111		—	(3,574	)	(3,574	)
Non-Affiliated Class 2:
American Funds Managed Risk Asset Allocation (AdvantEdge )	(135		)	6,067			(14,494		)	(8,562		)	110		(4,898		)	80,976			(1,917		)	74,271			65,709			166,992		232,701		11,018	(4,088	)	6,930
American Funds Managed Risk Asset Allocation (AnnuiChoice )	71			464			(668		)	(133		)	—		(6,361		)	—			(55		)	(6,416		)	(6,549		)	12,978		6,429		1	(614	)	(613	)
American Funds Managed Risk Asset Allocation (AnnuiChoice II )	1,141			6,755			(14,533		)	(6,637		)	40,258		—			10,101			(3,414		)	46,945			40,308			305,367		345,675		5,407	(802	)	4,605
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )	(9		)	367			(845		)	(487		)	—		—			1,744			(16		)	1,728			1,241			17,692		18,933		190	(22	)	168
American Funds Managed Risk Asset Allocation (Pinnacle IV )	125			1,471			(4,858		)	(3,262		)	—		(964		)	68,034			—			67,070			63,808			40,114		103,922		8,494	(2,111	)	6,383
American Funds Managed Risk Asset Allocation (Pinnacle V )	5,509			21,339			(69,049		)	(42,201		)	1,045,458		(18,034		)	153,715			(8,551		)	1,172,588			1,130,387			534,034		1,664,421		121,292	(8,359	)	112,933
Columbia VIT Small Cap Value (AdvantEdge )	(2,751		)	17,549			(32,972		)	(18,174		)	—		(13,078		)	(23,438		)	(1,570		)	(38,086		)	(56,260		)	286,596		230,336		253	(1,999	)	(1,746	)
Columbia VIT Small Cap Value (AnnuiChoice II )	(2,432		)	39,664			(70,234		)	(33,002		)	86,097		(25,903		)	(34,582		)	(1,470		)	24,142			(8,860		)	429,155		420,295		4,355	(3,211	)	1,144
Columbia VIT Small Cap Value (AnnuiChoice )	(571		)	11,535			(19,841		)	(8,877		)	—		(4,364		)	(3,230		)	(40		)	(7,634		)	(16,511		)	137,822		121,311		299	(622	)	(323	)
Columbia VIT Small Cap Value (Grandmaster flex3 )	(522		)	5,231			(9,352		)	(4,643		)	—		(38,467		)	500			—			(37,967		)	(42,610		)	54,869		12,259		24	(1,995	)	(1,971	)
Columbia VIT Small Cap Value (Grandmaster )	(231		)	2,086			(4,085		)	(2,230		)	—		(868		)	(58		)	(7		)	(933		)	(3,163		)	30,145		26,982		2	(46	)	(44	)
Columbia VIT Small Cap Value (Pinnacle Plus )	(665		)	4,505			(8,627		)	(4,787		)	—		(274		)	(898		)	(40		)	(1,212		)	(5,999		)	61,861		55,862		1	(59	)	(58	)
Columbia VIT Small Cap Value (Pinnacle )	(143		)	1,567			(2,762		)	(1,338		)	—		(3,059		)	—			(32		)	(3,091		)	(4,429		)	19,671		15,242		—	(149	)	(149	)
Columbia VIT Small Cap Value (Pinnacle IV )	(355		)	8,337			(9,490		)	(1,508		)	—		(25,798		)	—			(6		)	(25,804		)	(27,312		)	48,627		21,315		—	(1,204	)	(1,204	)
Columbia VIT Small Cap Value (Pinnacle V )	(14,978		)	125,148			(235,460		)	(125,290		)	397,017		(121,937		)	29,085			(9,611		)	294,554			169,264			1,367,041		1,536,305		20,510	(6,346	)	14,164
Franklin Growth and Income VIP Fund (AdvantEdge )	336			5,012			(6,257		)	(909		)	—		—			22,526			(188		)	22,338			21,429			41,448		62,877		3,739	(2,160	)	1,579
Franklin Growth and Income VIP Fund (AnnuiChoice )	31,445			106,634			(166,457		)	(28,378		)	4,067		(212,595		)	(42,815		)	(1,232		)	(252,575		)	(280,953		)	1,409,758		1,128,805		191	(12,445	)	(12,254	)
Franklin Growth and Income VIP Fund (AnnuiChoice II )	7,838			10,891			(25,496		)	(6,767		)	24,588		(3,475		)	(695		)	(581		)	19,837			13,070			350,543		363,613		1,798	(404	)	1,394
Franklin Growth and Income VIP Fund (Grandmaster )	10,332			83,753			(105,634		)	(11,549		)	—		(167,834		)	44,943			(175		)	(123,066		)	(134,615		)	597,619		463,004		3,329	(9,447	)	(6,118	)
Franklin Growth and Income VIP Fund (GrandMaster flex3 )	11,529			33,620			(61,019		)	(15,870		)	—		(20,692		)	(7,380		)	(393		)	(28,465		)	(44,335		)	654,539		610,204		52	(1,521	)	(1,469	)
Franklin Growth and Income VIP Fund (IQ Annuity )	29,713			117,102			(186,212		)	(39,397		)	5,285		(183,053		)	8,024			(1,023		)	(170,767		)	(210,164		)	1,591,609		1,381,445		4,108	(12,948	)	(8,840	)
Franklin Growth and Income VIP Fund (Pinnacle )	17,028			78,987			(114,927		)	(18,912		)	1,964		(123,897		)	14,831			(289		)	(107,391		)	(126,303		)	876,979		750,676		1,452	(10,028	)	(8,576	)
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	1			1			(3		)	(1		)	—		—			—			—			—			(1		)	41		40		—	—		—
Franklin Growth and Income VIP Fund (Pinnacle IV )	25,435			190,940			(244,164		)	(27,789		)	33,466		(292,478		)	(37,927		)	(860		)	(297,799		)	(325,588		)	1,426,727		1,101,139		1,088	(16,029	)	(14,941	)
Franklin Growth and Income VIP Fund (Pinnacle Plus )	3,077			29,005			(39,674		)	(7,592		)	—		(76,367		)	116,349			(976		)	39,006			31,414			287,015		318,429		6,263	(4,158	)	2,105
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )	3,133			7,887			(15,531		)	(4,511		)	—		(15,275		)	59,173			(256		)	43,642			39,131			172,931		212,062		4,309	(1,686	)	2,623
Franklin Growth and Income VIP Fund (Pinnacle V )	28,296			131,878			(191,361		)	(31,187		)	124,265		(83,600		)	(124,600		)	(7,169		)	(91,104		)	(122,291		)	1,400,724		1,278,433		19,087	(26,462	)	(7,375	)
Franklin Income VIP Fund (AdvantEdge )	15,168			5,663			(55,821		)	(34,990		)	110		(43,121		)	(127,866		)	(457		)	(171,334		)	(206,324		)	453,406		247,082		3,258	(16,576	)	(13,318	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Franklin Income VIP Fund (AnnuiChoice )	$	61,009		$	35,523		$	(213,260	)	$	(116,728	)	$	8,088	$	(143,870	)	$	(382,312	)	$	(2,797	)	$	(520,891	)	$	(637,619	)	$	1,784,165	$	1,146,546	1,161	(23,852	)	(22,691	)
Franklin Income VIP Fund (AnnuiChoice II )	73,575			26,983			(467,948		)	(367,390		)	5,240,239		(187,449		)	(89,324		)	(6,000		)	4,957,466			4,590,076			2,650,499		7,240,575		373,467	(21,811	)	351,656
Franklin Income VIP Fund (Grandmaster )	81,867			162,399			(389,277		)	(145,011		)	773		(348,952		)	(1,162,861		)	(820		)	(1,511,860		)	(1,656,871		)	2,645,903		989,032		1,678	(70,627	)	(68,949	)
Franklin Income VIP Fund (GrandMaster flex3 )	81,210			89,269			(383,870		)	(213,391		)	—		(314,220		)	94,439			(1,195		)	(220,976		)	(434,367		)	2,446,829		2,012,462		17,490	(28,649	)	(11,159	)
Franklin Income VIP Fund (IQ Advisor Standard )	9,999			(30,771		)	1,664			(19,108		)	—		(225,589		)	267			—			(225,322		)	(244,430		)	247,600		3,170		14	(12,635	)	(12,621	)
Franklin Income VIP Fund (IQ Annuity )	58,829			126,173			(324,557		)	(139,555		)	492		(616,626		)	(246,961		)	(1,473		)	(864,568		)	(1,004,123		)	2,351,918		1,347,795		2,043	(41,253	)	(39,210	)
Franklin Income VIP Fund (Pinnacle IV )	181,730			342,850			(868,025		)	(343,445		)	158,068		(740,741		)	(2,867,644		)	(1,225		)	(3,451,542		)	(3,794,987		)	5,953,382		2,158,395		11,183	(171,360	)	(160,177	)
Franklin Income VIP Fund (Pinnacle Plus )	20,422			27,265			(97,494		)	(49,807		)	—		(170,211		)	(248,488		)	(855		)	(419,554		)	(469,361		)	901,249		431,888		254	(22,246	)	(21,992	)
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )	10,751			(3,679		)	(38,969		)	(31,897		)	1,540		(24,151		)	150,738			(694		)	127,433			95,536			299,832		395,368		17,264	(7,593	)	9,671
Franklin Income VIP Fund (Pinnacle V )	368,135			46,531			(1,106,142		)	(691,476		)	1,632,504		(604,257		)	(7,267,591		)	(8,591		)	(6,247,935		)	(6,939,411		)	10,699,109		3,759,698		186,860	(707,360	)	(520,500	)
Franklin Large Cap Growth VIP Fund (AdvantEdge )	(15,176		)	344,648			(283,350		)	46,122			—		(134,892		)	67,699			(4,209		)	(71,402		)	(25,280		)	1,108,685		1,083,405		6,665	(11,198	)	(4,533	)
Franklin Large Cap Growth VIP Fund (AnnuiChoice )	(1,059		)	62,293			(54,783		)	6,451			988		(10,051		)	(8,948		)	(179		)	(18,190		)	(11,739		)	116,614		104,875		3,043	(3,826	)	(783	)
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )	(4,749		)	163,355			(133,260		)	25,346			72,386		(10,415		)	(23,983		)	(3,255		)	34,733			60,079			513,548		573,627		4,810	(2,555	)	2,255
Franklin Large Cap Growth VIP Fund (Grandmaster )	(491		)	11,616			(9,303		)	1,822			100		(691		)	—			(15		)	(606		)	1,216			43,098		44,314		5	(34	)	(29	)
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )	(1,810		)	43,988			(36,541		)	5,637			—		(10,321		)	18,958			(165		)	8,472			14,109			121,978		136,087		2,117	(1,661	)	456
Franklin Large Cap Growth VIP Fund (IQ Advisor Standard )	(65		)	5,082			(4,088		)	929			—		—			—			—			—			929			18,615		19,544		—	—		—
Franklin Large Cap Growth VIP Fund (IQ Annuity )	(2,090		)	51,628			(45,032		)	4,506			—		(8,382		)	48,210			(166		)	39,662			44,168			149,350		193,518		2,737	(885	)	1,852
Franklin Large Cap Growth VIP Fund (Pinnacle )	(1,019		)	23,868			(19,316		)	3,533			—		(3,533		)	(479		)	(51		)	(4,063		)	(530		)	90,103		89,573		2	(209	)	(207	)
Franklin Large Cap Growth VIP Fund (Pinnacle IV )	(5,191		)	116,155			(99,486		)	11,478			32,808		(164,401		)	(331,252		)	(203		)	(463,048		)	(451,570		)	838,764		387,194		4,239	(27,886	)	(23,647	)
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )	(6,762		)	119,589			(91,204		)	21,623			—		(114,383		)	238,115			(515		)	123,217			144,840			270,605		415,445		29,235	(21,900	)	7,335
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )	(578		)	15,011			(12,151		)	2,282			—		(3,974		)	44,013			(285		)	39,754			42,036			47,761		89,797		2,620	(248	)	2,372
Franklin Large Cap Growth VIP Fund (Pinnacle V )	(18,313		)	410,313			(337,334		)	54,666			287,548		(77,117		)	(35,886		)	(7,440		)	167,105			221,771			1,203,019		1,424,790		26,686	(13,859	)	12,827
Franklin Mutual Shares VIP Fund (AdvantEdge )	28,515			191,236			(339,112		)	(119,361		)	2,471		(144,743		)	(56,037		)	(9,484		)	(207,793		)	(327,154		)	2,026,062		1,698,908		3,121	(19,098	)	(15,977	)
Franklin Mutual Shares VIP Fund (AnnuiChoice )	16,295			149,736			(204,238		)	(38,207		)	1,812		(83,510		)	(272,369		)	(1,360		)	(355,427		)	(393,634		)	814,443		420,809		455	(16,610	)	(16,155	)
Franklin Mutual Shares VIP Fund (AnnuiChoice II )	51,500			265,990			(480,746		)	(163,256		)	356,660		(237,083		)	78,680			(6,528		)	191,729			28,473			2,475,872		2,504,345		30,727	(17,168	)	13,559
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )	14,059			117,923			(189,712		)	(57,730		)	—		(48,576		)	(49,398		)	(475		)	(98,449		)	(156,179		)	998,476		842,297		782	(5,413	)	(4,631	)
Franklin Mutual Shares VIP Fund (IQ Annuity )	10,042			59,103			(109,135		)	(39,990		)	—		(83,140		)	(10,438		)	(669		)	(94,247		)	(134,237		)	667,203		532,966		528	(5,095	)	(4,567	)
Franklin Mutual Shares VIP Fund (Pinnacle )	13,467			91,995			(151,471		)	(46,009		)	7,770		(71,659		)	(23,011		)	(232		)	(87,132		)	(133,141		)	879,508		746,367		3,759	(7,597	)	(3,838	)
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )	175			869			(1,555		)	(511		)	—		(958		)	—			(24		)	(982		)	(1,493		)	9,485		7,992		—	(45	)	(45	)
Franklin Mutual Shares VIP Fund (Pinnacle IV )	66,953			974,711			(1,232,804		)	(191,140		)	69,431		(488,687		)	(2,349,843		)	(714		)	(2,769,813		)	(2,960,953		)	4,131,167		1,170,214		4,124	(137,991	)	(133,867	)
Franklin Mutual Shares VIP Fund (Pinnacle Plus )	8,648			115,802			(160,209		)	(35,759		)	—		(49,356		)	(258,751		)	(832		)	(308,939		)	(344,698		)	670,177		325,479		4	(16,644	)	(16,640	)
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )	3,980			8,866			(23,264		)	(10,418		)	46,565		(100,910		)	107,424			(952		)	52,127			41,709			226,276		267,985		12,648	(8,813	)	3,835
Franklin Mutual Shares VIP Fund (Pinnacle V )	206,675			1,755,275			(2,687,117		)	(725,167		)	2,309,039		(792,600		)	(3,825,740		)	(50,649		)	(2,359,950		)	(3,085,117		)	11,241,018		8,155,901		223,366	(441,895	)	(218,529	)
Franklin Mutual Shares VIP Fund(Grandmaster )	29,422			360,887			(469,929		)	(79,620		)	873		(95,000		)	(897,403		)	(496		)	(992,026		)	(1,071,646		)	1,675,002		603,356		284	(47,624	)	(47,340	)
Franklin Small Cap Value VIP Fund (AdvantEdge )	(1,009		)	12,904			(21,229		)	(9,334		)	—		(7,778		)	270			(765		)	(8,273		)	(17,607		)	107,094		89,487		79	(629	)	(550	)
Franklin Small Cap Value VIP Fund (Annuichoice )	(201		)	10,231			(15,206		)	(5,176		)	—		(6,191		)	10,555			(150		)	4,214			(962		)	55,695		54,733		731	(453	)	278
Franklin Small Cap Value VIP Fund (Annuichoice II )	(1,257		)	43,904			(64,983		)	(22,336		)	9,392		(14,064		)	(20,624		)	(667		)	(25,963		)	(48,299		)	272,866		224,567		1,541	(3,482	)	(1,941	)
Franklin Small Cap Value VIP Fund (Grandmaster )	(138		)	3,718			(4,964		)	(1,384		)	—		(31,545		)	75			(11		)	(31,481		)	(32,865		)	43,348		10,483		9	(2,288	)	(2,279	)
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )	(454		)	7,313			(11,267		)	(4,408		)	—		(769		)	—			(4		)	(773		)	(5,181		)	50,489		45,308		—	(58	)	(58	)
Franklin Small Cap Value VIP Fund (IQ Advisor Standard )	115			(9,678		)	4,341			(5,222		)	—		(57,872		)	—			—			(57,872		)	(63,094		)	63,094		—		—	(4,256	)	(4,256	)
Franklin Small Cap Value VIP Fund (IQ Annuuity )	(454		)	15,360			(18,572		)	(3,666		)	—		(10,067		)	6,447			(46		)	(3,666		)	(7,332		)	62,151		54,819		1,985	(2,136	)	(151	)
Franklin Small Cap Value VIP Fund (Pinnacle Plus )	(178		)	2,285			(3,621		)	(1,514		)	—		—			(2,685		)	(11		)	(2,696		)	(4,210		)	19,571		15,361		—	(198	)	(198	)
Franklin Small Cap Value VIP Fund (Pinnacle )	(129		)	(3,864		)	(6,066		)	(10,059		)	—		(17,018		)	(65,941		)	(26		)	(82,985		)	(93,044		)	127,754		34,710		15,705	(22,123	)	(6,418	)
Franklin Small Cap Value VIP Fund (Pinnacle IV )	(195		)	6,148			(7,126		)	(1,173		)	—		(17,500		)	(687		)	(21		)	(18,208		)	(19,381		)	32,823		13,442		—	(1,304	)	(1,304	)
Franklin Small Cap Value VIP Fund (Pinnacle V )	(8,515		)	169,859			(241,035		)	(79,691		)	39,408		(99,957		)	(9,641		)	(2,410		)	(72,600		)	(152,291		)	976,732		824,441		4,771	(10,051	)	(5,280	)
Invesco VI American Franchise (AdvantEdge )	(62		)	100			82			120			—		(179		)	(197		)	(53		)	(429		)	(309		)	3,870		3,561		5	(31	)	(26	)
Invesco VI American Franchise (AnnuiChoice )	(72		)	228			92			248			—		(218		)	(39		)	(30		)	(287		)	(39		)	6,597		6,558		1	(12	)	(11	)
Invesco VI American Franchise (AnnuiChoice II )	(992		)	3,515			385			2,908			165		(3,683		)	2,990			(65		)	(593		)	2,315			85,563		87,878		154	(191	)	(37	)
Invesco VI American Franchise (Grandmaster )	(46		)	308			(119		)	143			—		(1,030		)	—			(3		)	(1,033		)	(890		)	3,976		3,086		—	(43	)	(43	)
Invesco VI American Franchise (GrandMaster flex3 )	(1,243		)	35,430			(32,286		)	1,901			660		(67,320		)	—			—			(66,660		)	(64,759		)	79,210		14,451		30	(2,952	)	(2,922	)
Invesco VI American Franchise (IQ Advisor Standard )	(22		)	74			93			145			—		—			(170		)	—			(170		)	(25		)	3,512		3,487		—	(8	)	(8	)
Invesco VI American Franchise (IQ Annuity )	(4,374		)	21,426			(6,880		)	10,172			—		(26,715		)	(7,220		)	(320		)	(34,255		)	(24,083		)	308,721		284,638		—	(1,461	)	(1,461	)
Invesco VI American Franchise (Pinnacle )	(934		)	3,634			(2,254		)	446			—		(4,388		)	1,408			(10		)	(2,990		)	(2,544		)	64,859		62,315		2,730	(2,929	)	(199	)
Invesco VI American Franchise (Pinnacle IV )	(2,553		)	3,752			3,250			4,449			1,563		(16,024		)	27,589			(48		)	13,080			17,529			154,684		172,213		2,065	(1,528	)	537
Invesco VI American Franchise (Pinnacle Plus )	(734		)	8,163			(6,665		)	764			—		—			(11,043		)	(29		)	(11,072		)	(10,308		)	29,217		18,909		449	(1,004	)	(555	)
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )	(1		)	—			(75		)	(76		)	—		—			12,316			(6		)	12,310			12,234			—		12,234		723	—		723

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Invesco VI American Franchise (Pinnacle V )	$	(15,701	)	$	30,793		$	15,875		$	30,967		$	162,374	$	(46,452	)	$	56,209		$	(4,224	)	$	167,907		$	198,874		$	880,893	$	1,079,767	15,698	(5,019	)	10,679
Invesco VI American Value (AdvantEdge )	(3,471		)	47,879			(58,081		)	(13,673		)	—		(201,313		)	1,433			(1,427		)	(201,307		)	(214,980		)	377,928		162,948		578	(12,570	)	(11,992	)
Invesco VI American Value (AnnuiChoice )	(215		)	2,860			(4,855		)	(2,210		)	—		(566		)	3			(18		)	(581		)	(2,791		)	22,050		19,259		1	(36	)	(35	)
Invesco VI American Value (AnnuiChoice II )	(4,417		)	69,274			(117,067		)	(52,210		)	130,479		(15,575		)	40,746			(1,361		)	154,289			102,079			358,879		460,958		10,992	(1,714	)	9,278
Invesco VI American Value (Grandmaster )	(1,033		)	8,073			(14,690		)	(7,650		)	—		(9,803		)	1,988			(13		)	(7,828		)	(15,478		)	80,225		64,747		77	(549	)	(472	)
Invesco VI American Value (Grandmaster flex3 )	(183		)	1,496			(2,597		)	(1,284		)	990		—			713			—			1,703			419			10,876		11,295		109	—		109
Invesco VI American Value (IQ Annuity )	(1,289		)	14,670			(22,608		)	(9,227		)	—		(461		)	(7,390		)	(15		)	(7,866		)	(17,093		)	91,670		74,577		139	(637	)	(498	)
Invesco VI American Value (Pinnacle )	(682		)	5,975			(9,912		)	(4,619		)	—		(723		)	28,102			(5		)	27,374			22,755			22,565		45,320		1,946	(247	)	1,699
Invesco VI American Value (Pinnacle IV )	(1,905		)	14,336			(25,688		)	(13,257		)	—		(10,198		)	(19,425		)	(63		)	(29,686		)	(42,943		)	137,497		94,554		—	(1,926	)	(1,926	)
Invesco VI American Value (Pinnacle Plus )	(7		)	240			(152		)	81			—		(3,330		)	—			(2		)	(3,332		)	(3,251		)	3,251		—		—	(201	)	(201	)
Invesco VI American Value (Pinnacle Plus Reduced M&E )	(303		)	3,138			(5,556		)	(2,721		)	—		(1,223		)	288			(51		)	(986		)	(3,707		)	27,217		23,510		27	(82	)	(55	)
Invesco VI American Value (Pinnacle V )	(32,000		)	326,793			(540,295		)	(245,502		)	727,237		(210,106		)	148,685			(15,066		)	650,750			405,248			1,829,960		2,235,208		56,716	(15,370	)	41,346
Invesco VI Comstock (AdvantEdge )	(155		)	41,622			(75,384		)	(33,917		)	—		(12,157		)	(57,082		)	(1,258		)	(70,497		)	(104,414		)	509,137		404,723		2,094	(6,670	)	(4,576	)
Invesco VI Comstock (AnnuiChoice )	2,346			20,733			(48,149		)	(25,070		)	225		(29,592		)	48			(836		)	(30,155		)	(55,225		)	378,426		323,201		11	(1,224	)	(1,213	)
Invesco VI Comstock (AnnuiChoice II )	7,036			52,373			(147,029		)	(87,620		)	197,651		(65,746		)	41,155			(3,757		)	169,303			81,683			1,086,579		1,168,262		17,155	(6,203	)	10,952
Invesco VI Comstock (Grandmaster )	2,116			8,631			(26,042		)	(15,295		)	6,766		(79,347		)	40,982			(37		)	(31,636		)	(46,931		)	230,470		183,539		2,320	(3,657	)	(1,337	)
Invesco VI Comstock (GrandMaster flex3 )	80			552			(5,955		)	(5,323		)	—		(1,753		)	—			(26		)	(1,779		)	(7,102		)	70,792		63,690		—	(78	)	(78	)
Invesco VI Comstock (IQ Advisor Standard )	914			(4,482		)	(10,171		)	(13,739		)	—		(122,694		)	(38		)	—			(122,732		)	(136,471		)	139,631		3,160		—	(6,495	)	(6,495	)
Invesco VI Comstock (IQ Annuity )	1,131			44,622			(77,915		)	(32,162		)	—		(33,900		)	14,603			(155		)	(19,452		)	(51,614		)	461,744		410,130		2,359	(3,121	)	(762	)
Invesco VI Comstock (Pinnacle )	556			29,799			(43,466		)	(13,111		)	16,129		(30,299		)	(45,070		)	(127		)	(59,367		)	(72,478		)	197,897		125,419		25	(2,620	)	(2,595	)
Invesco VI Comstock (Pinnacle IV )	82			35,567			(54,431		)	(18,782		)	1,132		(91,890		)	(100		)	(191		)	(91,049		)	(109,831		)	336,189		226,358		108	(3,955	)	(3,847	)
Invesco VI Comstock (Pinnacle Plus )	66			15,105			(18,447		)	(3,276		)	—		(6,583		)	(27,852		)	(92		)	(34,527		)	(37,803		)	56,489		18,686		1	(1,698	)	(1,697	)
Invesco VI Comstock (Pinnacle Plus Reduced M&E )	(5		)	72			(1,298		)	(1,231		)	—		(485		)	27,941			(42		)	27,414			26,183			10,993		37,176		1,695	(32	)	1,663
Invesco VI Comstock (Pinnacle V )	11,801			132,008			(528,425		)	(384,616		)	1,372,949		(288,124		)	151,264			(32,427		)	1,203,662			819,046			4,243,981		5,063,027		116,223	(22,117	)	94,106
Invesco VI International Growth Class II (Advantedge)	(636		)	1,142			(9,972		)	(9,466		)	—		(292		)	4,147			(3,490		)	365			(9,101		)	257,355		248,254		2,772	(2,616	)	156
Invesco VI International Growth Class II (IQ Advisor Enhanced )	908			3,713			(22,018		)	(17,397		)	127,377		(24,839		)	24,858			(1,310		)	126,086			108,689			294,730		403,419		13,614	(2,467	)	11,147
Invesco VI International Growth Class II (Pinnacle )	(85		)	406			(2,346		)	(2,025		)	—		(1,561		)	4,008			(9		)	2,438			413			48,511		48,924		373	(149	)	224
Invesco VI International Growth Class II (Pinnacle Plus )	260			69			(10,425		)	(10,096		)	—		(11,506		)	74,713			(1		)	63,206			53,110			74,447		127,557		6,287	(1,019	)	5,268
Invesco VI International Growth Class II (Pinnacle V )	(2,078		)	19,186			(85,695		)	(68,587		)	549,776		(84,256		)	82,865			(9,792		)	538,593			470,006			1,109,958		1,579,964		59,019	(10,060	)	48,959
Invesco VI International Growth II (Annuichoice)	458			1,670			(7,966		)	(5,838		)	225		(3,560		)	5,867			(5		)	2,527			(3,311		)	159,140		155,829		624	(402	)	222
Invesco VI International Growth II (Grandmaster )	62			9			(281		)	(210		)	—		—			7,768			(17		)	7,751			7,541			11,209		18,750		753	(3	)	750
Invesco VI International Growth II (Grandmaster flex3 )	(14		)	1			(203		)	(216		)	—		—			—			—			—			(216		)	5,246		5,030		—	—		—
Templeton Foreign VIP Fund (IQ Annuity )	5,203			52,234			(71,601		)	(14,164		)	24		(44,174		)	(79,608		)	(315		)	(124,073		)	(138,237		)	401,478		263,241		1,074	(6,860	)	(5,786	)
Templeton Foreign VIP Fund (Pinnacle )	10,555			28,236			(82,408		)	(43,617		)	15,937		(63,370		)	38,684			(195		)	(8,944		)	(52,561		)	512,414		459,853		3,554	(4,240	)	(686	)
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )	337			531			(2,058		)	(1,190		)	—		—			—			(30		)	(30		)	(1,220		)	15,799		14,579		—	(2	)	(2	)
Templeton Foreign VIP Fund (Pinnacle IV )	13,440			49,046			(114,952		)	(52,466		)	—		(137,991		)	(21,514		)	(271		)	(159,776		)	(212,242		)	846,164		633,922		3,025	(10,930	)	(7,905	)
Templeton Foreign VIP Fund (Pinnacle V )	58,206			162,069			(513,486		)	(293,211		)	1,010,708		(264,935		)	(305,722		)	(18,426		)	421,625			128,414			3,130,933		3,259,347		114,784	(72,185	)	42,599
Templeton Foreign VIP Fund (AnnuiChoice )	8,390			16,392			(49,314		)	(24,532		)	—		(21,576		)	(38,604		)	(385		)	(60,565		)	(85,097		)	393,658		308,561		685	(3,539	)	(2,854	)
Templeton Foreign VIP Fund (AnnuiChoice II )	19,589			42,502			(139,140		)	(77,049		)	172,579		(100,901		)	(66,733		)	(2,631		)	2,314			(74,735		)	940,267		865,532		20,994	(21,323	)	(329	)
Templeton Foriegn VIP Fund (AdvantEdge )	12,463			34,540			(106,341		)	(59,338		)	2,455		(35,561		)	17,698			(4,098		)	(19,506		)	(78,844		)	778,478		699,634		5,678	(7,467	)	(1,789	)
Templeton Foriegn VIP Fund (Grandmaster )	6,438			11,032			(41,897		)	(24,427		)	25,479		(38,018		)	(14,038		)	(93		)	(26,670		)	(51,097		)	350,200		299,103		141	(1,422	)	(1,281	)
Templeton Foriegn VIP Fund (GrandMaster flex3 )	5,488			22,407			(54,719		)	(26,824		)	—		(17,471		)	19,146			(303		)	1,372			(25,452		)	317,757		292,305		3,412	(3,424	)	(12	)
Templeton Foriegn VIP Fund (IQ Advisor Standard )	3,112			(7,272		)	(5,259		)	(9,419		)	—		(63,753		)	26,000			—			(37,753		)	(47,172		)	115,150		67,978		1,585	(4,036	)	(2,451	)
Templeton Foriegn VIP Fund (Pinnacle Plus )	2,603			20,147			(33,028		)	(10,278		)	—		(49,485		)	(26,489		)	(149		)	(76,123		)	(86,401		)	232,902		146,501		234	(4,256	)	(4,022	)
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )	2,165			3,028			(13,315		)	(8,122		)	2,200		(14,409		)	29,275			(48		)	17,018			8,896			120,724		129,620		3,100	(1,372	)	1,728
Templeton Global Bond VIP Fund (Pinnacle )	24,729			(29,432		)	(7,628		)	(12,331		)	—		(16,586		)	108,060			(15		)	91,459			79,128			—		79,128		36,943	(28,377	)	8,566
Templeton Global Bond VIP Fund (Grandmaster )	3,915			(10,549		)	(85		)	(6,719		)	—		(10,410		)	379,978			(49		)	369,519			362,800			35,365		398,165		45,970	(6,482	)	39,488
Templeton Global Bond VIP Fund (GrandMaster flex3 )	59,594			(83,129		)	(995		)	(24,530		)	—		(60,326		)	94,485			(67		)	34,092			9,562			74,011		83,573		86,342	(84,835	)	1,507
Templeton Global Bond VIP Fund (Pinnacle V )	18,963			(33,922		)	(7,870		)	(22,829		)	—		(83,367		)	861,006			(77		)	777,562			754,733			261,888		1,016,621		106,978	(23,437	)	83,541
Templeton Global Bond VIP Fund (Advantedge )	2,384			(4,683		)	(2		)	(2,301		)	—		(7,831		)	28,982			(19		)	21,132			18,831			20,102		38,933		7,251	(5,071	)	2,180
Templeton Global Bond VIP Fund (Pinnacle IV )	215,148			(65,138		)	(347,130		)	(197,120		)	490,733		(95,672		)	81,737			(2,567		)	474,231			277,111			2,912,352		3,189,463		115,237	(66,732	)	48,505
Templeton Global Bond VIP Fund (Annuichoice )	21,378			(30,415		)	(921		)	(9,958		)	150		(6,594		)	37,664			(80		)	31,140			21,182			120,842		142,024		30,411	(27,458	)	2,953
Templeton Global Bond VIP Fund (AnnuiChoice II )	7,768			(6,639		)	(8,214		)	(7,085		)	8,860		(11,169		)	(13,124		)	(187		)	(15,620		)	(22,705		)	126,160		103,455		4,161	(5,872	)	(1,711	)
Templeton Global Bond VIP Fund (Pinnacle II Reduced M&E )	1,909			(2,680		)	—			(771		)	—		—			771			—			771			—			—		—		—	—		—
Templeton Growth VIP Fund (AdvantEdge )	1,145			(290		)	(10,478		)	(9,623		)	—		(4,018		)	3,143			(682		)	(1,557		)	(11,180		)	123,584		112,404		610	(733	)	(123	)
Templeton Growth VIP Fund (AnnuiChoice )	4,440			11,956			(35,221		)	(18,825		)	264		(9,402		)	(24,901		)	(543		)	(34,582		)	(53,407		)	277,059		223,652		447	(2,180	)	(1,733	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 2 (continued):
Templeton Growth VIP Fund (AnnuiChoice II )	$	3,547		$	41,181		$	(65,075	)	$	(20,347	)	$	2,509	$	(96,322	)	$	(27,940	)	$	(593	)	$	(122,346	)	$	(142,693	)	$	302,125	$	159,432	667	(11,512	)	(10,845	)
Templeton Growth VIP Fund (Grandmaster )	2,932			1,895			(22,843		)	(18,016		)	375		(28,796		)	1,669			(79		)	(26,831		)	(44,847		)	275,763		230,916		109	(1,406	)	(1,297	)
Templeton Growth VIP Fund (GrandMaster flex3 )	4,351			27,007			(64,645		)	(33,287		)	—		(17,470		)	(23,427		)	(374		)	(41,271		)	(74,558		)	476,866		402,308		215	(2,297	)	(2,082	)
Templeton Growth VIP Fund (IQ Annuity )	5,065			26,504			(62,915		)	(31,346		)	1,170		(90,032		)	14,154			(277		)	(74,985		)	(106,331		)	482,945		376,614		1,282	(5,114	)	(3,832	)
Templeton Growth VIP Fund (Pinnacle )	10,775			(40,350		)	(39,231		)	(68,806		)	131,733		(292,173		)	(4,196		)	(221		)	(164,857		)	(233,663		)	862,849		629,186		226	(9,441	)	(9,215	)
Templeton Growth VIP Fund (Pinnacle IV )	6,593			(2,287		)	(44,974		)	(40,668		)	1,581		(69,875		)	862			(278		)	(67,710		)	(108,378		)	582,050		473,672		1,541	(5,053	)	(3,512	)
Templeton Growth VIP Fund (Pinnacle Plus )	3,622			7,177			(34,583		)	(23,784		)	—		(37,681		)	(114,771		)	(563		)	(153,015		)	(176,799		)	358,349		181,550		893	(10,057	)	(9,164	)
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )	(380		)	(368		)	(1,845		)	(2,593		)	—		(5,357		)	125,683			(71		)	120,255			117,662			—		117,662		9,452	(402	)	9,050
Templeton Growth VIP Fund (Pinnacle V )	15,604			(55,548		)	(61,223		)	(101,167		)	57,262		(89,252		)	(98,618		)	(954		)	(131,562		)	(232,729		)	1,095,651		862,922		41,729	(57,667	)	(15,938	)
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )	12,082			(4,742		)	(16,057		)	(8,717		)	2,491		(11,614		)	42,370			(1,609		)	31,638			22,921			283,637		306,558		7,727	(5,274	)	2,453
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	3,855			(3,538		)	(1,765		)	(1,448		)	200		(10,780		)	(8,814		)	(198		)	(19,592		)	(21,040		)	107,379		86,339		98	(1,500	)	(1,402	)
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	8,185			(10,855		)	(1,735		)	(4,405		)	24,880		(25,692		)	(74,370		)	(471		)	(75,653		)	(80,058		)	186,781		106,723		2,220	(7,966	)	(5,746	)
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )	14,149			(22,119		)	2,463			(5,507		)	—		(11,953		)	7,960			(177		)	(4,170		)	(9,677		)	113,790		104,113		17,691	(18,209	)	(518	)
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )	4,717			(10,581		)	3,854			(2,010		)	—		(3,060		)	(4,182		)	(39		)	(7,281		)	(9,291		)	64,980		55,689		2,175	(2,526	)	(351	)
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )	7,506			(5,210		)	(6,751		)	(4,455		)	—		(23,613		)	(1,868		)	(105		)	(25,586		)	(30,041		)	174,436		144,395		2,135	(3,318	)	(1,183	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	7,245			(4,312		)	(7,315		)	(4,382		)	240		(112,700		)	(8,347		)	(68		)	(120,875		)	(125,257		)	301,838		176,581		2,307	(11,451	)	(9,144	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )	1,946			(1,287		)	(2,244		)	(1,585		)	—		(9,286		)	(9,396		)	(89		)	(18,771		)	(20,356		)	66,413		46,057		29	(1,030	)	(1,001	)
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )	673			(502		)	(491		)	(320		)	—		(3,796		)	9,781			(52		)	5,933			5,613			20,073		25,686		1,003	(428	)	575
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )	32,840			(59,505		)	8,652			(18,013		)	4,523		(48,895		)	(18,767		)	(832		)	(63,971		)	(81,984		)	363,458		281,474		34,615	(40,316	)	(5,701	)
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )	(3,592		)	978			(44,851		)	(47,465		)	—		(4,013		)	(6,041		)	(3,145		)	(13,199		)	(60,664		)	431,049		370,385		5,832	(7,032	)	(1,200	)
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )	(394		)	(811		)	(16,750		)	(17,955		)	—		(6,626		)	18,602			(343		)	11,633			(6,322		)	154,000		147,678		694	(300	)	394
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )	(1,033		)	(10,033		)	(22,158		)	(33,224		)	11,193		(30,998		)	(15,923		)	(609		)	(36,337		)	(69,561		)	294,746		225,185		2,171	(5,359	)	(3,188	)
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )	(972		)	(4,398		)	(12,971		)	(18,341		)	—		(5,868		)	(24,798		)	(72		)	(30,738		)	(49,079		)	175,666		126,587		115	(1,120	)	(1,005	)
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )	(1,423		)	2,039			(20,107		)	(19,491		)	—		(20,673		)	2,452			(155		)	(18,376		)	(37,867		)	182,141		144,274		494	(1,075	)	(581	)
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )	(43		)	(4,197		)	3,555			(685		)	—		(878		)	(42,662		)	—			(43,540		)	(44,225		)	48,552		4,327		—	(1,858	)	(1,858	)
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )	(1,722		)	3,550			(30,686		)	(28,858		)	5,399		(27,115		)	2,847			(317		)	(19,186		)	(48,044		)	258,756		210,712		432	(1,047	)	(615	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )	(2,229		)	10,332			(46,822		)	(38,719		)	—		(30,933		)	(63,116		)	(167		)	(94,216		)	(132,935		)	419,678		286,743		102	(3,063	)	(2,961	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )	(4,005		)	(18,086		)	(41,833		)	(63,924		)	—		(99,050		)	(78,488		)	(425		)	(177,963		)	(241,887		)	668,306		426,419		1,299	(7,148	)	(5,849	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )	(2,212		)	23			(20,684		)	(22,873		)	—		(36,667		)	(43,371		)	(536		)	(80,574		)	(103,447		)	271,397		167,950		186	(3,168	)	(2,982	)
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )	(107		)	(77		)	(2,116		)	(2,300		)	—		(1,034		)	32,243			(36		)	31,173			28,873			3,348		32,221		3,788	(131	)	3,657
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )	(11,734		)	3,805			(148,422		)	(156,351		)	67,964		(112,885		)	(119,020		)	(3,329		)	(167,270		)	(323,621		)	1,484,808		1,161,187		25,488	(43,671	)	(18,183	)
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )	(894		)	50,200			(56,919		)	(7,613		)	—		(77,806		)	39,165			(239		)	(38,880		)	(46,493		)	194,776		148,283		3,754	(5,385	)	(1,631	)
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )	(80		)	8,757			(7,929		)	748			1,100		(19,196		)	(14,789		)	(47		)	(32,932		)	(32,184		)	109,817		77,633		576	(2,637	)	(2,061	)
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )	(2,064		)	37,582			(35,583		)	(65		)	—		(45,926		)	20,025			(2,922		)	(28,823		)	(28,888		)	450,321		421,433		4,243	(6,256	)	(2,013	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	482			38,161			(38,415		)	228			244		(31,391		)	(48,100		)	(358		)	(79,605		)	(79,377		)	274,683		195,306		1,411	(8,208	)	(6,797	)
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	347			46,751			(44,365		)	2,733			58,379		(54,944		)	(27,849		)	(1,169		)	(25,583		)	(22,850		)	396,941		374,091		6,574	(8,747	)	(2,173	)
Morgan Stanley UIF U.S. Real Estate (Grandmaster )	(351		)	41,577			(44,323		)	(3,097		)	—		(34,034		)	(106,291		)	(94		)	(140,419		)	(143,516		)	340,928		197,412		859	(5,095	)	(4,236	)
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )	(730		)	23,165			(23,939		)	(1,504		)	—		(60,080		)	(19,690		)	(117		)	(79,887		)	(81,391		)	213,005		131,614		766	(7,923	)	(7,157	)
Morgan Stanley UIF U.S. Real Estate (IQ Advisor Standard )	724			42,846			(48,887		)	(5,317		)	—		(93,016		)	—			—			(93,016		)	(98,333		)	104,415		6,082		—	(3,530	)	(3,530	)
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )	(576		)	18,442			(17,741		)	125			—		(24,489		)	(13,202		)	(266		)	(37,957		)	(37,832		)	229,351		191,519		227	(1,374	)	(1,147	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	(2,281		)	92,179			(79,062		)	10,836			1,270		(182,573		)	(61,166		)	(276		)	(242,745		)	(231,909		)	680,718		448,809		62,954	(83,249	)	(20,295	)
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )	(8,270		)	132,394			(111,851		)	12,273			553,404		(204,378		)	(12,400		)	(8,286		)	328,340			340,613			2,079,929		2,420,542		58,010	(30,823	)	27,187
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)	(2,056		)	10,878			(2,368		)	6,454			110		(5,357		)	(7,758		)	(692		)	(13,697		)	(7,243		)	129,537		122,294		136	(1,118	)	(982	)
BlackRock Capital Appreciation VI (AnnuiChoice II)	(7,884		)	67,623			(24,168		)	35,571			41,800		(51,520		)	44,414			(2,093		)	32,601			68,172			622,765		690,937		9,783	(7,335	)	2,448
BlackRock Capital Appreciation VI (Annuichoice )	(511		)	4,975			(1,673		)	2,791			—		(1,669		)	14,147			(44		)	12,434			15,225			48,892		64,117		1,001	(123	)	878
BlackRock Capital Appreciation VI (Grandmaster flex3 )	(451		)	2,203			(358		)	1,394			—		—			(457		)	—			(457		)	937			28,304		29,241		132	(166	)	(34	)
BlackRock Capital Appreciation VI Class III (Grandmaster )	(1,181		)	10,823			(5,973		)	3,669			—		(1,383		)	75,946			(1		)	74,562			78,231			79,160		157,391		5,428	(138	)	5,290
BlackRock Capital Appreciation VI Class III (Pinnacle )	(775		)	6,452			(165		)	5,512			4,466		(14,320		)	(1,394		)	(3		)	(11,251		)	(5,739		)	46,379		40,640		2,403	(2,984	)	(581	)
BlackRock Capital Appreciation VI Class III (Pinnacle IV )	(1,425		)	8,054			(1,778		)	4,851			—		(5,246		)	(3,646		)	(24		)	(8,916		)	(4,065		)	98,772		94,707		261	(911	)	(650	)
BlackRock Capital Appreciation VI Class III (Pinnacle V )	(30,630		)	190,998			(68,754		)	91,614			674,115		(169,551		)	(51,826		)	(11,357		)	441,381			532,995			1,919,949		2,452,944		50,992	(19,455	)	31,537
BlackRock Global Allocation VI (Advantedge )	(2,443		)	6,566			(13,746		)	(9,623		)	110		(112,968		)	(989		)	(774		)	(114,621		)	(124,244		)	351,048		226,804		43	(10,887	)	(10,844	)
BlackRock Global Allocation VI (AnnuiChoice II)	(691		)	51,842			(69,415		)	(18,264		)	103,826		(30,257		)	2,285			(926		)	74,928			56,664			798,150		854,814		10,455	(3,659	)	6,796
BlackRock Global Allocation VI (Annuichoice )	487			6,441			(8,405		)	(1,477		)	—		(16,796		)	108,203			(100		)	91,307			89,830			81,202		171,032		10,700	(2,331	)	8,369
BlackRock Global Allocation VI (Grandmaster flex3 )	(852		)	9,249			(13,053		)	(4,656		)	—		(6,992		)	13,250			(168		)	6,090			1,434			164,958		166,392		1,260	(733	)	527
BlackRock Global Allocation VI (Grandmaster )	60			3,041			(6,389		)	(3,288		)	—		(1,649		)	41,943			(3		)	40,291			37,003			29,792		66,795		4,647	(1,139	)	3,508

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class 3 (continued):
BlackRock Global Allocation VI Class III (Pinnacle )	$	(1,133	)	$	2,282		$	(6,864	)	$	(5,715	)	$	—	$	(215,402	)	$	45,449		$	(3	)	$	(169,956	)	$	(175,671	)	$	267,142	$	91,471	4,317	(20,082	)	(15,765	)
BlackRock Global Allocation VI Class III (Pinnacle IV )	(1,139		)	18,410			(25,137		)	(7,866		)	—		(16,495		)	37,879			(78		)	21,306			13,440			299,845		313,285		3,471	(1,532	)	1,939
BlackRock Global Allocation VI Class III (Pinnacle II Reduced M&E )	(21		)	1,031			(1,176		)	(166		)	—		(7,452		)	—			—			(7,452		)	(7,618		)	23,050		15,432		—	(657	)	(657	)
BlackRock Global Allocation VI Class III (Pinnacle V )	(2,239		)	22,130			(28,973		)	(9,082		)	660		(74,155		)	42,968			(314		)	(30,841		)	(39,923		)	401,193		361,270		4,153	(6,948	)	(2,795	)
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)	125			8,738			(39,685		)	(30,822		)	2,900		(492		)	35,138			(3,891		)	33,655			2,833			390,809		393,642		3,711	(402	)	3,309
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )	(40		)	246			(1,662		)	(1,456		)	—		(838		)	—			—			(838		)	(2,294		)	18,581		16,287		—	(86	)	(86	)
TOPS Managed Risk Moderate Growth ETF (Annuichoice )	15			165			(656		)	(476		)	—		(411		)	—			(47		)	(458		)	(934		)	7,010		6,076		—	(42	)	(42	)
TOPS Managed Risk Moderate Growth ETF (Advantedge )	(535		)	3,375			(19,330		)	(16,490		)	—		(1,362		)	101,508			(1,064		)	99,082			82,592			77,740		160,332		11,020	(1,887	)	9,133
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )	(3,417		)	27,712			(148,358		)	(124,063		)	797,083		(44,066		)	32,059			(15,570		)	769,506			645,443			923,067		1,568,510		78,804	(4,955	)	73,849
Non-Affiliated Class 4:
American Funds Capital Income Builder (Pinnacle IV )	1			—			(4		)	(3		)	—		—			400			—			400			397			—		397		43	—		43
American Funds Capital Income Builder (Pinnacle V )	464			(2,270		)	(2,293		)	(4,099		)	116,453		—			(50,908		)	(11		)	65,534			61,435			—		61,435		11,905	(5,306	)	6,599
American Funds Capital Income Builder (AnnuiChoice II )	78			(348		)	(50		)	(320		)	40		—			6,502			—			6,542			6,222			—		6,222		2,442	(1,776	)	666
American Funds Global Growth (AdvantEdge )	841			(142		)	(3,402		)	(2,703		)	—		(617		)	146,955			(40		)	146,298			143,595			—		143,595		13,276	(268	)	13,008
American Funds Global Growth (AnnuiChoice )	1,954			178			(5,577		)	(3,445		)	—		(2,097		)	332,022			(162		)	329,763			326,318			—		326,318		29,383	(189	)	29,194
American Funds Global Growth (AnnuiChoice II )	1,117			3,592			(2,960		)	1,749			4,641		(5,605		)	126,304			(11		)	125,329			127,078			23,017		150,095		12,811	(1,518	)	11,293
American Funds Global Growth (GrandMaster )	6,273			(28		)	(18,395		)	(12,150		)	—		(24,846		)	1,054,925			(46		)	1,030,033			1,017,883			679		1,018,562		94,819	(3,094	)	91,725
American Funds Global Growth (GrandMaster flex3 )	396			7,287			(10,591		)	(2,908		)	—		—			143,488			(22		)	143,466			140,558			—		140,558		12,840	(121	)	12,719
American Funds Global Growth (Pinnacle )	11			3,994			(5,614		)	(1,609		)	80		(15,350		)	48,912			(4		)	33,638			32,029			7,772		39,801		4,214	(1,364	)	2,850
American Funds Global Growth (Pinnacle IV )	14,966			(269		)	(44,491		)	(29,794		)	—		(37,486		)	2,551,397			(69		)	2,513,842			2,484,048			19,949		2,503,997		228,832	(4,605	)	224,227
American Funds Global Growth (Pinnacle V )	33,345			5,161			(114,773		)	(76,267		)	206,277		(124,060		)	6,437,026			(779		)	6,518,464			6,442,197			78,826		6,521,023		611,307	(28,696	)	582,611
American Funds Growth (AdvantEdge )	65			2,519			(2,577		)	7			110		(305		)	30,959			(73		)	30,691			30,698			12,334		43,032		2,666	(83	)	2,583
American Funds Growth (AnnuiChoice )	58			2,459			(2,649		)	(132		)	—		—			18,188			(45		)	18,143			18,011			—		18,011		1,531	(4	)	1,527
American Funds Growth (AnnuiChoice II )	(313		)	19,981			(14,896		)	4,772			—		—			63,116			(5		)	63,111			67,883			42,662		110,545		6,112	(534	)	5,578
American Funds Growth (GrandMaster )	1			2,705			(2,322		)	384			—		(958		)	15,503			—			14,545			14,929			12,124		27,053		1,304	(83	)	1,221
American Funds Growth (GrandMaster flex3 )	(83		)	2,242			(1,644		)	515			—		—			—			(18		)	(18		)	497			10,502		10,999		—	(2	)	(2	)
American Funds Growth (Pinnacle )	(74		)	3,561			(2,081		)	1,406			160		(8,673		)	27,849			(16		)	19,320			20,726			10,883		31,609		2,454	(732	)	1,722
American Funds Growth (Pinnacle IV )	(96		)	9,291			(7,399		)	1,796			—		—			52,222			(4		)	52,218			54,014			33,060		87,074		4,625	(146	)	4,479
American Funds Growth (Pinnacle V )	(5,385		)	78,608			(38,431		)	34,792			452,070		(15,501		)	(253,560		)	(595		)	182,414			217,206			490,592		707,798		52,543	(35,992	)	16,551
American Funds Growth-Income (AdvantEdge )	904			14,633			(18,419		)	(2,882		)	—		(4,297		)	139,632			(595		)	134,740			131,858			61,613		193,471		15,234	(3,531	)	11,703
American Funds Growth-Income (AnnuiChoice )	5,041			4,885			(18,397		)	(8,471		)	—		(2,510		)	471,095			(334		)	468,251			459,780			10,190		469,970		40,468	(245	)	40,223
American Funds Growth-Income (AnnuiChoice II )	943			8,814			(12,440		)	(2,683		)	49,845		(2,642		)	60,982			(197		)	107,988			105,305			23,734		129,039		10,159	(919	)	9,240
American Funds Growth-Income (GrandMaster )	11,704			3,986			(33,091		)	(17,401		)	—		(35,466		)	1,194,362			(70		)	1,158,826			1,141,425			70,628		1,212,053		104,303	(3,705	)	100,598
American Funds Growth-Income (GrandMaster flex3 )	671			8,760			(12,680		)	(3,249		)	—		(2,509		)	125,922			(37		)	123,376			120,127			29,036		149,163		11,973	(1,334	)	10,639
American Funds Growth-Income (Pinnacle )	(149		)	1,538			(964		)	425			—		(19,196		)	94			(11		)	(19,113		)	(18,688		)	21,677		2,989		8	(1,652	)	(1,644	)
American Funds Growth-Income (Pinnacle IV )	30,260			14,317			(95,876		)	(51,299		)	—		(45,436		)	3,209,971			(89		)	3,164,446			3,113,147			54,072		3,167,219		280,249	(5,320	)	274,929
American Funds Growth-Income (Pinnacle V )	62,900			126,344			(295,998		)	(106,754		)	670,631		(184,132		)	6,821,968			(2,994		)	7,305,473			7,198,719			859,606		8,058,325		677,446	(40,138	)	637,308
American Funds New World (AdvantEdge )	(270		)	1,556			(3,814		)	(2,528		)	—		(622		)	22,734			(146		)	21,966			19,438			15,711		35,149		2,478	(198	)	2,280
American Funds New World (AnnuiChoice )	(24		)	279			(482		)	(227		)	—		—			—			—			—			(227		)	5,236		5,009		—	—		—
American Funds New World (AnnuiChoice II )	(67		)	498			(1,331		)	(900		)	540		(484		)	9,002			(3		)	9,055			8,155			5,087		13,242		1,003	(66	)	937
American Funds New World (GrandMaster )	(21		)	4			(56		)	(73		)	—		—			31,319			—			31,319			31,246			—		31,246		3,507	—		3,507
American Funds New World (GrandMaster flex3 )	(217		)	813			(2,648		)	(2,052		)	—		—			18,939			(28		)	18,911			16,859			12,480		29,339		1,972	(3	)	1,969
American Funds New World (Pinnacle )	(61		)	1,217			(3,607		)	(2,451		)	—		(4,498		)	30,660			—			26,162			23,711			—		23,711		3,132	(470	)	2,662
American Funds New World (Pinnacle IV )	(76		)	939			(3,304		)	(2,441		)	—		(503		)	44,868			—			44,365			41,924			—		41,924		4,773	(57	)	4,716
American Funds New World (Pinnacle V )	(535		)	2,556			(4,827		)	(2,806		)	22,383		(235		)	15,523			(197		)	37,474			34,668			36,764		71,432		4,263	(154	)	4,109
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )	(1,710		)	81,225			(105,366		)	(25,851		)	627		(83,186		)	8,440			(288		)	(74,407		)	(100,258		)	547,868		447,610		430	(3,420	)	(2,990	)
Deutsche Small Cap Index VIP (Pinnacle IV )	(130		)	6,620			(7,776		)	(1,286		)	—		(9,451		)	(81		)	(16		)	(9,548		)	(10,834		)	34,320		23,486		—	(401	)	(401	)
Deutsche Small Cap Index VIP (Pinnacle II Reduced M&E )	42			2,078			(1,757		)	363			—		(8,169		)	—			(6		)	(8,175		)	(7,812		)	7,812		—		—	(321	)	(321	)
Non-Affiliated Class B:
Deutsche Small Cap Index (AnnuiChoice II )	(487		)	44,958			(51,960		)	(7,489		)	—		(40,591		)	(40,037		)	(71		)	(80,699		)	(88,188		)	203,773		115,585		3	(4,981	)	(4,978	)
Deutsche Small Cap Index (AnnuiChoice )	(32		)	103,365			(106,400		)	(3,067		)	—		(189,891		)	(47		)	(258		)	(190,196		)	(193,263		)	292,322		99,059		1	(8,025	)	(8,024	)
Deutsche Small Cap Index (GrandMaster flex3 )	(432		)	3,682			(6,898		)	(3,648		)	—		(542		)	4,147			(62		)	3,543			(105		)	50,922		50,817		232	(78	)	154
Deutsche Small Cap Index (Grandmaster )	(738		)	11,328			(18,054		)	(7,464		)	—		(17,268		)	(2,394		)	(3		)	(19,665		)	(27,129		)	145,432		118,303		271	(1,235	)	(964	)
Deutsche Small Cap Index (IQ3 )	(823		)	21,177			(26,753		)	(6,399		)	—		(28,285		)	(4,215		)	(129		)	(32,629		)	(39,028		)	140,695		101,667		57	(1,535	)	(1,478	)
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )	(93		)	1,512			(1,076		)	343			—		(17,826		)	—			(20		)	(17,846		)	(17,503		)	26,061		8,558		—	(998	)	(998	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Non-Affiliated Class B (continued):
Deutsche Small Cap Index (Pinnacle Plus )	$	(558	)	$	8,494		$	(12,129	)	$	(4,193	)	$	—	$	(6,921	)	$	15,967		$	(41	)	$	9,005		$	4,812		$	48,011	$	52,823	738	(362	)	376
Deutsche Small Cap Index VIP (Pinnacle IV )	(2,014		)	29,973			(45,097		)	(17,138		)	300		(27,418		)	(6,021		)	(145		)	(33,284		)	(50,422		)	307,696		257,274		172	(1,698	)	(1,526	)
Deutsche Small Cap Index VIP (Pinnacle V )	(2,758		)	58,433			(76,933		)	(21,258		)	14,858		(78,716		)	11,962			(655		)	(52,551		)	(73,809		)	401,360		327,551		2,632	(6,359	)	(3,727	)
Advisor Class:
Pimco VIT All Asset (AdvantEdge )	966			(4,040		)	(7,416		)	(10,490		)	—		(28,422		)	(45,661		)	(112		)	(74,195		)	(84,685		)	150,410		65,725		91	(6,417	)	(6,326	)
Pimco VIT All Asset (IQ Annuity )	5,161			(4,518		)	(33,982		)	(33,339		)	—		(18,519		)	(18,323		)	(198		)	(37,040		)	(70,379		)	338,371		267,992		34	(3,233	)	(3,199	)
Pimco VIT All Asset (Pinnacle )	1,297			(6,302		)	(10,717		)	(15,722		)	—		(128,158		)	(2,484		)	(54		)	(130,696		)	(146,418		)	269,173		122,755		97	(10,885	)	(10,788	)
Pimco VIT All Asset (Pinnacle II Reduced M&E )	294			(367		)	(1,351		)	(1,424		)	—		(6,876		)	—			—			(6,876		)	(8,300		)	21,511		13,211		—	(551	)	(551	)
Pimco VIT All Asset (AnnuiChoice II )	3,178			(3,850		)	(16,218		)	(16,890		)	3,000		(16,570		)	(14,684		)	(542		)	(28,796		)	(45,686		)	182,789		137,103		762	(3,163	)	(2,401	)
Pimco VIT All Asset (AnnuiChoice )	1,815			(19,601		)	6,016			(11,770		)	—		(7,023		)	(116,291		)	(56		)	(123,370		)	(135,140		)	177,042		41,902		166	(10,566	)	(10,400	)
Pimco VIT All Asset (GrandMaster flex3 )	1,701			(9,803		)	(4,961		)	(13,063		)	—		(3,418		)	(108,279		)	(50		)	(111,747		)	(124,810		)	226,871		102,061		656	(9,983	)	(9,327	)
Pimco VIT All Asset (Grandmaster )	762			(13,894		)	(1,795		)	(14,927		)	—		(28,423		)	(251,890		)	(47		)	(280,360		)	(295,287		)	400,562		105,275		145	(23,252	)	(23,107	)
Pimco VIT All Asset (Pinnacle IV )	2,422			(22,083		)	(295		)	(19,956		)	—		(5,855		)	(205,938		)	(11		)	(211,804		)	(231,760		)	363,433		131,673		560	(18,197	)	(17,637	)
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )	192			—			(230		)	(38		)	—		—			11,364			—			11,364			11,326			—		11,326		1,131	—		1,131
Pimco VIT All Asset (Pinnacle Plus )	(54		)	(2,643		)	1,302			(1,395		)	—		(7,953		)	(11,364		)	(11		)	(19,328		)	(20,723		)	20,723		—		—	(1,729	)	(1,729	)
Pimco VIT All Asset (Pinnacle V )	1,920			(21,487		)	(4,152		)	(23,719		)	110		(103,315		)	(129,571		)	(307		)	(233,083		)	(256,802		)	419,091		162,289		4,766	(24,273	)	(19,507	)
Pimco VIT Commodity Real Return (Pinnacle )	696			(5,600		)	820			(4,084		)	—		(220		)	(7,523		)	(7		)	(7,750		)	(11,834		)	23,072		11,238		327	(1,814	)	(1,487	)
Pimco VIT Commodity Real Return (Pinnacle IV )	4,763			(95,368		)	64,052			(26,553		)	—		(47,079		)	(61,545		)	(54		)	(108,678		)	(135,231		)	190,348		55,117		2,262	(24,344	)	(22,082	)
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )	78			(226		)	(508		)	(656		)	—		(242		)	—			(6		)	(248		)	(904		)	2,648		1,744		—	(52	)	(52	)
Pimco VIT Commodity Real Return (Pinnacle V )	20,592			(131,098		)	(189,387		)	(299,893		)	366,063		(79,850		)	117,943			(4,739		)	399,417			99,524			863,724		963,248		126,894	(39,489	)	87,405
Pimco VIT Commodity Real Return Strategy (AdvantEdge )	8,886			(26,723		)	(78,429		)	(96,266		)	2,474		(17,218		)	67,485			(2,419		)	50,322			(45,944		)	328,174		282,230		15,703	(4,537	)	11,166
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )	7,292			(67,673		)	(8,598		)	(68,979		)	52,651		(25,797		)	9,084			(909		)	35,029			(33,950		)	231,724		197,774		20,474	(13,444	)	7,030
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )	1,082			(4,520		)	(5,717		)	(9,155		)	200		(3,634		)	2,399			(64		)	(1,099		)	(10,254		)	36,798		26,544		654	(791	)	(137	)
Pimco VIT Commodity Real Return Strategy (Grandmaster )	796			(1,713		)	(7,220		)	(8,137		)	—		(1,779		)	6,477			(11		)	4,687			(3,450		)	29,372		25,922		1,441	(294	)	1,147
Pimco VIT Commodity Real Return Strategy (IQ Annuity )	3,405			(123,677		)	92,944			(27,328		)	20		(4,689		)	(219,648		)	(71		)	(224,388		)	(251,716		)	302,440		50,724		57	(45,117	)	(45,060	)
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )	1,360			(5,799		)	(7,776		)	(12,215		)	—		(1,384		)	(2,362		)	(18		)	(3,764		)	(15,979		)	51,508		35,529		1,143	(1,719	)	(576	)
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )	100			(22		)	(1,074		)	(996		)	—		(169		)	5,977			(5		)	5,803			4,807			—		4,807		968	(26	)	942
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )	488			(5,908		)	276			(5,144		)	—		(1,682		)	(5,977		)	(27		)	(7,686		)	(12,830		)	24,631		11,801		—	(1,665	)	(1,665	)
Pimco VIT Long Term Government (IQ Annuity )	26			(1,242		)	(11		)	(1,227		)	—		(20		)	2,421			—			2,401			1,174			—		1,174		4,898	(4,781	)	117
Pimco VIT Long Term Government (Pinnacle )	218			(3,086		)	(626		)	(3,494		)	—		(5,994		)	36,070			(9		)	30,067			26,573			—		26,573		12,366	(9,736	)	2,630
Pimco VIT Long Term Government (GrandMaster flex3 )	34			(5,657		)	57			(5,566		)	—		(10,196		)	15,821			(59		)	5,566			—			—		—		—	—		—
Pimco VIT Long Term Government (Pinnacle V )	22			(10		)	(357		)	(345		)	—		(55		)	7,759			(6		)	7,698			7,353			—		7,353		740	(6	)	734
Pimco VIT Long Term Government (AdvantEdge )	2			(1,006		)	9			(995		)	—		—			1,005			(10		)	995			—			—		—		—	—		—
Pimco VIT Long Term Government (Pinnacle IV )	1,427			(13,950		)	(6,517		)	(19,040		)	282,048		—			(78,879		)	(167		)	203,002			183,962			12,956		196,918		58,359	(39,902	)	18,457
Pimco VIT Long Term Government (Annuichoice )	286			988			(2,653		)	(1,379		)	—		(13,309		)	—			(40		)	(13,349		)	(14,728		)	41,880		27,152		6	(1,358	)	(1,352	)
Pimco VIT Long Term Government (AnnuiChoice II )	93			—			(264		)	(171		)	5,049		—			22,453			(21		)	27,481			27,310			2,288		29,598		2,713	(2	)	2,711
Pimco VIT Long Term Government (Pinnacle II Reduced M&E )	33			(910		)	9			(868		)	—		—			877			(9		)	868			—			—		—		—	—		—
Pimco VIT Low Duration (AnnuiChoice II )	34,059			(6,476		)	(40,457		)	(12,874		)	54,977		(142,657		)	(268,184		)	(1,503		)	(357,367		)	(370,241		)	1,938,786		1,568,545		88,428	(119,205	)	(30,777	)
Pimco VIT Low Duration (AnnuiChoice )	2,972			(781		)	(3,148		)	(957		)	—		(26,702		)	(25,076		)	(328		)	(52,106		)	(53,063		)	169,353		116,290		994	(5,450	)	(4,456	)
Pimco VIT Low Duration (GrandMaster flex3 )	86,126			(40,756		)	(84,265		)	(38,895		)	524,057		(863,170		)	(5,353,223		)	(291		)	(5,692,627		)	(5,731,522		)	10,741,480		5,009,958		1,466,356	(1,968,694	)	(502,338	)
Pimco VIT Low Duration (Grandmaster )	12,053			(6,934		)	(10,262		)	(5,143		)	8,097		(145,655		)	(271,438		)	(49		)	(409,045		)	(414,188		)	1,033,030		618,842		106,334	(141,956	)	(35,622	)
Pimco VIT Low Duration (IQ Annuity )	16,112			(7,581		)	(18,944		)	(10,413		)	132		(64,749		)	(200,253		)	(1,413		)	(266,283		)	(276,696		)	1,107,967		831,271		117,981	(141,443	)	(23,462	)
Pimco VIT Low Duration (Pinnacle )	41,588			(15,627		)	(36,840		)	(10,879		)	—		(361,037		)	(2,126,132		)	(170		)	(2,487,339		)	(2,498,218		)	4,696,799		2,198,581		573,126	(789,505	)	(216,379	)
Pimco VIT Low Duration (Pinnacle IV )	3,525			(1,275		)	(3,231		)	(981		)	—		(42,529		)	(134,840		)	(63		)	(177,432		)	(178,413		)	378,892		200,479		40,299	(55,849	)	(15,550	)
Pimco VIT Low Duration (Pinnacle II Reduced M&E )	4,233			(2,007		)	(3,142		)	(916		)	—		(5,493		)	(207,143		)	—			(212,636		)	(213,552		)	405,363		191,811		61,117	(79,531	)	(18,414	)
Pimco VIT Low Duration (AdvantEdge )	1,304			(270		)	(2,442		)	(1,408		)	—		(8,016		)	(3,978		)	(148		)	(12,142		)	(13,550		)	86,738		73,188		3,390	(4,508	)	(1,118	)
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )	728			(7		)	(1,044		)	(323		)	—		(59		)	25,811			(49		)	25,703			25,380			11,508		36,888		2,596	(67	)	2,529
Pimco VIT Low Duration (Pinnacle Plus )	712			339			(1,765		)	(714		)	—		(7,960		)	2,903			(92		)	(5,149		)	(5,863		)	46,336		40,473		2,574	(3,045	)	(471	)
Pimco VIT Low Duration (Pinnacle V )	17,260			(9,403		)	(18,707		)	(10,850		)	330,639		(46,629		)	216,998			(1,061		)	499,947			489,097			486,151		975,248		91,578	(46,873	)	44,705
Pimco VIT Real Return (Pinnacle IV )	3,409			(2,096		)	(7,274		)	(5,961		)	600		(6,811		)	(7,241		)	(18		)	(13,470		)	(19,431		)	150,055		130,624		109	(1,270	)	(1,161	)
Pimco VIT Real Return (AdvantEdge )	1,002			(2,912		)	(912		)	(2,822		)	—		(21,230		)	77			(168		)	(21,321		)	(24,143		)	72,707		48,564		41	(1,918	)	(1,877	)
Pimco VIT Real Return (AnnuiChoice II )	7,230			(14,670		)	(5,445		)	(12,885		)	18,196		(25,872		)	(80,004		)	(277		)	(87,957		)	(100,842		)	358,566		257,724		2,049	(9,551	)	(7,502	)
Pimco VIT Real Return (AnnuiChoice )	3,753			(4,634		)	(3,982		)	(4,863		)	600		(18,614		)	(10,331		)	(48		)	(28,393		)	(33,256		)	156,756		123,500		59	(2,393	)	(2,334	)
Pimco VIT Real Return (GrandMaster flex3 )	1,032			(7,391		)	3,015			(3,344		)	—		(38,956		)	27,193			(17		)	(11,780		)	(15,124		)	64,081		48,957		3,284	(4,386	)	(1,102	)
Pimco VIT Real Return (Grandmaster )	1,897			(5,208		)	(301		)	(3,612		)	—		(13,659		)	(7,310		)	(5		)	(20,974		)	(24,586		)	98,401		73,815		949	(2,751	)	(1,802	)
Pimco VIT Real Return (IQ Annuity )	2,773			(7,057		)	(1,563		)	(5,847		)	—		(970		)	(54,193		)	(116		)	(55,279		)	(61,126		)	168,649		107,523		90	(4,866	)	(4,776	)

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																					Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges			Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
Advisor Class (continued):
Pimco VIT Real Return (Pinnacle )	$	(56	)	$	(1,607	)	$	2,038		$	375		$	—	$	(3,809	)	$	(150,761	)	$	(43	)	$	(154,613	)	$	(154,238	)	$	172,574	$	18,336	698	(13,605	)	(12,907	)
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )	938			(11		)	(1,844		)	(917		)	—		(100		)	15,810			(77		)	15,633			14,716			13,309		28,025		1,544	(15	)	1,529
Pimco VIT Real Return (Pinnacle Plus )	(137		)	(4,595		)	4,077			(655		)	—		(12,009		)	(20,810		)	(74		)	(32,893		)	(33,548		)	39,084		5,536		1	(2,862	)	(2,861	)
Pimco VIT Real Return (Pinnacle V )	9,312			(25,113		)	997			(14,804		)	60,978		(73,672		)	(108,327		)	(374		)	(121,395		)	(136,199		)	506,828		370,629		5,539	(15,744	)	(10,205	)
Pimco VIT Total Return (Pinnacle V )	814,112			222,329			(1,344,134		)	(307,693		)	5,176,191		(1,997,581		)	(3,115,234		)	(154,971		)	(91,595		)	(399,288		)	23,938,075		23,538,787		365,654	(374,534	)	(8,880	)
Pimco VIT Total Return (AdvantEdge )	204,036			72,119			(350,557		)	(74,402		)	7,471		(472,991		)	(120,739		)	(39,658		)	(625,917		)	(700,319		)	6,764,888		6,064,569		17,743	(65,410	)	(47,667	)
Pimco VIT Total Return (AnnuiChoice II )	150,512			40,259			(227,703		)	(36,932		)	633,676		(391,074		)	415,097			(14,257		)	643,442			606,510			3,421,476		4,027,986		81,352	(34,061	)	47,291
Pimco VIT Total Return (AnnuiChoice )	28,277			(16,295		)	(18,395		)	(6,413		)	225		(87,161		)	(288,289		)	(1,145		)	(376,370		)	(382,783		)	962,556		579,773		20,880	(49,080	)	(28,200	)
Pimco VIT Total Return (GrandMaster flex3 )	16,970			(11,562		)	(23,054		)	(17,646		)	—		(29,131		)	(124,325		)	(463		)	(153,919		)	(171,565		)	596,575		425,010		69,563	(82,415	)	(12,852	)
Pimco VIT Total Return (Grandmaster )	31,578			(25,966		)	(7,804		)	(2,192		)	78,546		(556,881		)	(888,935		)	(378		)	(1,367,648		)	(1,369,840		)	1,882,309		512,469		7,253	(111,203	)	(103,950	)
Pimco VIT Total Return (IQ Annuity )	35,023			(7,984		)	(46,874		)	(19,835		)	144		(142,593		)	205,677			(1,593		)	61,635			41,800			893,205		935,005		62,177	(58,184	)	3,993
Pimco VIT Total Return (Pinnacle )	37,776			(18,689		)	(34,082		)	(14,995		)	26,595		(301,661		)	189,711			(161		)	(85,516		)	(100,511		)	1,091,507		990,996		42,593	(49,497	)	(6,904	)
Pimco VIT Total Return (Pinnacle IV )	46,909			(97,383		)	41,535			(8,939		)	108,317		(226,255		)	(2,397,221		)	(597		)	(2,515,756		)	(2,524,695		)	3,161,744		637,049		22,188	(212,620	)	(190,432	)
Pimco VIT Total Return (Pinnacle II Reduced M&E )	591			536			(920		)	207			—		(6,834		)	(288		)	—			(7,122		)	(6,915		)	21,524		14,609		1,987	(2,502	)	(515	)
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )	3,103			365			(4,456		)	(988		)	—		(2,886		)	47,024			(155		)	43,983			42,995			39,656		82,651		8,705	(4,670	)	4,035
Pimco VIT Total Return (Pinnacle Plus )	15,584			5,821			(24,337		)	(2,932		)	—		(32,702		)	(370,756		)	(1,340		)	(404,798		)	(407,730		)	857,059		449,329		48	(31,321	)	(31,273	)
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )	188			272			(12,176		)	(11,716		)	—		—			(86,968		)	(10		)	(86,978		)	(98,694		)	114,040		15,346		38,881	(51,857	)	(12,976	)
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )	74			380			(685		)	(231		)	—		(1,486		)	1,236			(15		)	(265		)	(496		)	9,491		8,995		157	(186	)	(29	)
Guggenheim VT Global Managed Futures Strategies (Pinnacle II Reduced M&E )	314			(3,500		)	—			(3,186		)	—		—			3,186			—			3,186			—			—		—		—	—		—
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )	5,475			47,083			(93,705		)	(41,147		)	69,442		(41,038		)	(144,720		)	(2,424		)	(118,740		)	(159,887		)	536,399		376,512		71,572	(91,357	)	(19,785	)
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )	1,975			3,881			(18,428		)	(12,572		)	—		(5,021		)	48,218			(1,578		)	41,619			29,047			185,074		214,121		12,024	(7,203	)	4,821
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )	887			3,168			(5,802		)	(1,747		)	1,000		(9,348		)	766			(380		)	(7,962		)	(9,709		)	84,125		74,416		648	(1,647	)	(999	)
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )	1,830			(23,138		)	546			(20,762		)	—		(38,614		)	110,773			—			72,159			51,397			—		51,397		35,429	(28,338	)	7,091
Guggenheim VT Global Managed Futures Strategies (Grandmaster )	376			(4,755		)	—			(4,379		)	—		—			4,379			—			4,379			—			—		—		—	—		—
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )	138			565			(1,295		)	(592		)	—		(55		)	4,661			(40		)	4,566			3,974			19,739		23,713		682	(57	)	625
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )	58			290			(651		)	(303		)	—		—			—			(1		)	(1		)	(304		)	9,476		9,172		—	—		—
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )	(1,113		)	6,537			(3,907		)	1,517			1,000		(33,374		)	(42,389		)	(902		)	(75,665		)	(74,148		)	166,063		91,915		394	(8,845	)	(8,451	)
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )	(720		)	1,870			(48		)	1,102			—		(19,613		)	31,132			(675		)	10,844			11,946			134,258		146,204		4,139	(2,930	)	1,209
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )	(141		)	4,815			(4,273		)	401			—		(4,440		)	(27,626		)	(44		)	(32,110		)	(31,709		)	46,529		14,820		30	(3,553	)	(3,523	)
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )	(49		)	14			48			13			858		—			—			(7		)	851			864			5,184		6,048		108	(11	)	97
Guggenheim VT Multi-Hedge Strategies (Grandmaster )	(381		)	774			(83		)	310			—		(3,716		)	—			—			(3,716		)	(3,406		)	56,513		53,107		—	(415	)	(415	)
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )	(323		)	283			217			177			—		(1,030		)	4,067			(14		)	3,023			3,200			38,290		41,490		466	(118	)	348
Guggenheim VT Multi-Hedge Strategies (Pinnacle )	(4		)	2			4			2			—		—			—			(2		)	(2		)	—			339		339		—	—		—
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )	(447		)	810			(181		)	182			—		(3,194		)	(6,944		)	(20		)	(10,158		)	(9,976		)	60,649		50,673		21	(1,165	)	(1,144	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )	(4		)	50			(39		)	7			—		(776		)	—			(6		)	(782		)	(775		)	872		97		—	(71	)	(71	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )	(274		)	995			(678		)	43			—		(2,922		)	1			(28		)	(2,949		)	(2,906		)	28,944		26,038		1,345	(1,686	)	(341	)
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )	(1,915		)	3,370			(473		)	982			1,721		(23,628		)	(16,706		)	(788		)	(39,401		)	(38,419		)	229,462		191,043		1,097	(5,512	)	(4,415	)
Guggenheim VT Long Short Equity (AdvantEdge )	(519		)	3,398			(3,874		)	(995		)	—		—			296			(70		)	226			(769		)	21,986		21,217		3,680	(3,749	)	(69	)
Guggenheim VT Long Short Equity (AnnuiChoice II )	(883		)	1,338			(378		)	77			—		(938		)	(721		)	(101		)	(1,760		)	(1,683		)	76,390		74,707		49	(218	)	(169	)
Guggenheim VT Long Short Equity (AnnuiChoice )	(117		)	354			(396		)	(159		)	—		—			61,166			(34		)	61,132			60,973			8,322		69,295		6,053	(80	)	5,973
Guggenheim VT Long Short Equity (GrandMaster flex3 )	(610		)	(2,131		)	(1,139		)	(3,880		)	—		(77,792		)	81,644			—			3,852			(28		)	8,967		8,939		15,914	(15,914	)	—
Guggenheim VT Long Short Equity (Grandmaster )	(158		)	(360		)	(268		)	(786		)	—		(213		)	790			(3		)	574			(212		)	2,546		2,334		3,278	(3,299	)	(21	)
Guggenheim VT Long Short Equity (IQ Annuity )	(304		)	431			(293		)	(166		)	—		(1,237		)	27,298			(17		)	26,044			25,878			20,136		46,014		2,766	(135	)	2,631
Guggenheim VT Long Short Equity (Pinnacle )	(438		)	3,831			(4,133		)	(740		)	—		—			(27,939		)	(5		)	(27,944		)	(28,684		)	38,304		9,620		6,766	(9,650	)	(2,884	)
Guggenheim VT Long Short Equity (Pinnacle IV )	(569		)	2,211			(1,760		)	(118		)	600		(4,974		)	(2,152		)	(23		)	(6,549		)	(6,667		)	39,951		33,284		332	(982	)	(650	)
Guggenheim VT Long Short Equity (Pinnacle II Reduced M&E )	(50		)	(326		)	—			(376		)	—		—			376			—			376			—			—		—		—	—		—
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )	(44		)	(4		)	(91		)	(139		)	—		(140		)	4,963			—			4,823			4,684			—		4,684		410	(12	)	398
Guggenheim VT Long Short Equity (Pinnacle Plus )	(157		)	2,059			(1,787		)	115			—		(483		)	(4,963		)	(15		)	(5,461		)	(5,346		)	13,463		8,117		—	(546	)	(546	)
Guggenheim VT Long Short Equity (Pinnacle V )	(3,993		)	31,176			(34,510		)	(7,327		)	2,510		(47,873		)	(151,174		)	(198		)	(196,735		)	(204,062		)	285,002		80,940		44,125	(64,335	)	(20,210	)
ETF Shares:																																					—
iShares Core US Aggregate Bond ETF (Varoom ®)	586			2,315			(4,403		)	(1,502		)	—		(23,226		)	—			—			(23,226		)	(24,728		)	137,196		112,468		—	(858	)	(858	)
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)	(1,747		)	5,307			(15,002		)	(11,442		)	1,874		(13,350		)	25,924			—			14,448			3,006			536,492		539,498		2,004	(1,454	)	550
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)	152			99			(847		)	(596		)	—		(80,189		)	80,189			—			—			(596		)	41,933		41,337		—	—		—
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)	(3,648		)	7,690			(19,666		)	(15,624		)	212,692		(5,563		)	(79,473		)	—			127,656			112,032			681,132		793,164		9,819	(4,597	)	5,222

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations												Increase (decrease) in net assets from contract related transactions																				Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)			Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges		Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
ETF Shares (continued):
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)	$	(292	)	$	3,026		$	(7,763	)	$	(5,029	)	$	1,625	$	(677	)	$	(10,734	)	$	—	$	(9,786	)	$	(14,815	)	$	254,317	$	239,502				(376	)
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)	107			14			(367		)	(246		)	—		—			—			—		—			(246		)	18,467		18,221		—	—		—
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)	(1,849		)	2,845			(17,429		)	(16,433		)	235,696		(25,654		)	8,401			—		218,443			202,010			572,830		774,840		10,349	(1,832	)	8,517
iShares TIPS Bond ETF (Varoom)	(1,407		)	(635		)	(1,010		)	(3,052		)	344		(25,992		)	—			—		(25,648		)	(28,700		)	111,708		83,008		13	(984	)	(971	)
iShares TIPS Bond ETF (Varoom GLWB 2)	(1,202		)	204			(1,083		)	(2,081		)	325		(2,281		)	(12,115		)	—		(14,071		)	(16,152		)	62,219		46,067		137	(687	)	(550	)
iShares TIPS Bond ETF (Varoom GLWB 3)	(53		)	(3		)	(96		)	(152		)	—		(78		)	1,540			—		1,462			1,310			2,507		3,817		65	(4	)	61
iShares TIPS Bond ETF (Varoom GLWB 5)	(2,111		)	(185		)	(1,693		)	(3,989		)	7,999		(981		)	2,456			—		9,474			5,485			79,465		84,950		532	(123	)	409
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)	588			52			(1,721		)	(1,081		)	344		—			—			—		344			(737		)	15,708		14,971		12	(1	)	11
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)	842			4,224			(7,348		)	(2,282		)	—		(20		)	(21,699		)	—		(21,719		)	(24,001		)	47,712		23,711		93	(853	)	(760	)
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)	3,921			(1,440		)	(11,413		)	(8,932		)	10,079		(64,966		)	16,608			—		(38,279		)	(47,211		)	109,767		62,556		518	(1,972	)	(1,454	)
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)	6,027			1,806			(26,300		)	(18,467		)	40,442		(3,758		)	3,982			—		40,666			22,199			201,703		223,902		2,007	(580	)	1,427
iShares S&P 500 Growth ETF (Varoom)	(350		)	1,150			4,318			5,118			431		—			3,266			—		3,697			8,815			141,341		150,156		88	(1	)	87
iShares S&P 500 Growth ETF (Varoom GLWB 1)	(5,837		)	39,257			(12,846		)	20,574			8,263		(30,576		)	(44,450		)	—		(66,763		)	(46,189		)	706,677		660,488		120	(1,693	)	(1,573	)
iShares S&P 500 Growth ETF (Varoom GLWB 2)	41			1,041			131			1,213			325		(141		)	25,743			—		25,927			27,140			7,661		34,801		691	(49	)	642
iShares S&P 500 Growth ETF (Varoom GLWB 3)	(843		)	22,749			(16,340		)	5,566			2,886		(93,211		)	24,461			—		(65,864		)	(60,298		)	158,302		98,004		631	(2,175	)	(1,544	)
iShares S&P 500 Growth ETF (Varoom GLWB 4)	(45,582		)	87,727			73,075			115,220			1,081,684		(64,704		)	89,783			—		1,106,763			1,221,983			3,782,213		5,004,196		31,379	(4,315	)	27,064
iShares S&P 500 Growth ETF (Varoom GLWB 5)	(1,276		)	2,549			571			1,844			38,323		(196		)	(5,734		)	—		32,393			34,237			85,371		119,608		938	(155	)	783
iShares Core S&P 500 Index ETF (Varoom)	1,437			4,752			(7,726		)	(1,537		)	1,292		(3,382		)	9,857			—		7,767			6,230			380,113		386,343		274	(80	)	194
iShares Core S&P 500 Index ETF (Varoom GLWB 1)	(21,296		)	428,647			(482,420		)	(75,069		)	81,939		(464,225		)	(184,508		)	—		(566,794		)	(641,863		)	8,811,913		8,170,050		4,458	(17,991	)	(13,533	)
iShares Core S&P 500 Index ETF (Varoom GLWB 2)	(3,782		)	47,965			(53,838		)	(9,655		)	9,704		(15,328		)	(54,787		)	—		(60,411		)	(70,066		)	792,808		722,742		670	(2,168	)	(1,498	)
iShares Core S&P 500 Index ETF (Varoom GLWB 3)	(6,118		)	85,309			(96,501		)	(17,310		)	268,829		(367,088		)	199,253			—		100,994			83,684			865,726		949,410		10,049	(7,889	)	2,160
iShares Core S&P 500 Index ETF (Varoom GLWB 4)	(147,972		)	293,864			(695,600		)	(549,708		)	10,140,122		(758,453		)	1,151,995			—		10,533,664			9,983,956			35,602,888		45,586,844		275,229	(15,344	)	259,885
iShares Core S&P 500 Index ETF (Varoom GLWB 5)	(13,425		)	57,696			(87,144		)	(42,873		)	614,912		(53,404		)	31,673			—		593,181			550,308			1,981,053		2,531,361		17,758	(3,206	)	14,552
iShares S&P 500 Value ETF (Varoom)	438			501			(4,670		)	(3,731		)	687		—			—			—		687			(3,044		)	74,222		71,178		17	—		17
iShares S&P 500 Value ETF (Varoom GLWB 1)	(140		)	19,356			(42,461		)	(23,245		)	3,668		(23,869		)	8,786			—		(11,415		)	(34,660		)	448,164		413,504		587	(849	)	(262	)
iShares S&P 500 Value ETF (Varoom GLWB 2)	(80		)	1,088			(3,164		)	(2,156		)	—		(713		)	992			—		279			(1,877		)	38,964		37,087		58	(48	)	10
iShares S&P 500 Value ETF (Varoom GLWB 3)	458			8,799			(18,652		)	(9,395		)	11,979		(74,151		)	544			—		(61,628		)	(71,023		)	200,591		129,568		341	(1,875	)	(1,534	)
iShares S&P 500 Value ETF (Varoom GLWB 4)	(2,463		)	60,028			(167,192		)	(109,627		)	366,230		(61,857		)	77,753			—		382,126			272,499			1,635,091		1,907,590		13,834	(4,325	)	9,509
iShares S&P 500 Value ETF (Varoom GLWB 5)	(465		)	3,091			(10,365		)	(7,739		)	26,163		(5,345		)	2,193			—		23,011			15,272			121,460		136,732		802	(213	)	589
iShares Core S&P MidCap Index ETF (Varoom)	(715		)	21,720			(26,280		)	(5,275		)	1,461		(45,241		)	3,362			—		(40,418		)	(45,693		)	233,168		187,475		124	(1,090	)	(966	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)	(21,678		)	128,729			(205,847		)	(98,796		)	23,468		(129,203		)	(29,948		)	—		(135,683		)	(234,479		)	2,511,002		2,276,523		2,771	(6,043	)	(3,272	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)	(3,291		)	14,708			(24,563		)	(13,146		)	2,801		(7,340		)	1,092			—		(3,447		)	(16,593		)	302,645		286,052		534	(593	)	(59	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)	(3,736		)	23,814			(36,642		)	(16,564		)	49,631		(135,608		)	49,505			—		(36,472		)	(53,036		)	324,986		271,950		2,260	(3,278	)	(1,018	)
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)	(122,472		)	71,618			(600,662		)	(651,516		)	2,897,095		(220,493		)	540,398			—		3,217,000			2,565,484			10,334,983		12,900,467		84,755	(3,897	)	80,858
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)	(6,799		)	15,586			(39,701		)	(30,914		)	98,082		(16,705		)	16,340			—		97,717			66,803			483,474		550,277		3,241	(820	)	2,421
iShares Core S&P Small Cap Index ETF (Varoom)	(480		)	1,587			(6,317		)	(5,210		)	559		(1,665		)	1,659			—		553			(4,657		)	138,160		133,503		56	(42	)	14
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)	(11,504		)	69,989			(106,942		)	(48,457		)	11,734		(64,527		)	(31,035		)	—		(83,828		)	(132,285		)	1,271,083		1,138,798		1,048	(3,086	)	(2,038	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)	(1,838		)	8,116			(13,068		)	(6,790		)	2,366		(8		)	(9,014		)	—		(6,656		)	(13,446		)	157,081		143,635		169	(337	)	(168	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)	(2,391		)	14,964			(23,645		)	(11,072		)	54,647		(103,494		)	27,062			—		(21,785		)	(32,857		)	204,712		171,855		1,858	(2,478	)	(620	)
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)	(65,484		)	44,923			(274,738		)	(295,299		)	1,448,574		(110,495		)	176,423			—		1,514,502			1,219,203			5,234,651		6,453,854		39,684	(2,277	)	37,407
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)	(6,209		)	14,409			(33,562		)	(25,362		)	89,629		(17,490		)	13,232			—		85,371			60,009			421,517		481,526		2,868	(796	)	2,072
iShares International Treasury Bond (Varoom)	(415		)	(40		)	(1,972		)	(2,427		)	215		—			1,764			—		1,979			(448		)	26,356		25,908		84	—		84
iShares International Treasury Bond (Varoom GLWB 1)	(26,831		)	(7,808		)	(81,479		)	(116,118		)	11,734		(63,815		)	116,251			—		64,170			(51,948		)	1,207,312		1,155,364		6,928	(4,098	)	2,830
iShares International Treasury Bond (Varoom GLWB 2)	(458		)	(22		)	(1,339		)	(1,819		)	470		(131		)	1,905			—		2,244			425			17,721		18,146		129	(31	)	98
iShares International Treasury Bond (Varoom GLWB 3)	(343		)	(1,977		)	(224		)	(2,544		)	2,118		(32,111		)	27,649			—		(2,344		)	(4,888		)	33,814		28,926		1,139	(1,221	)	(82	)
iShares International Treasury Bond (Varoom GLWB 4)	(144,666		)	(5,288		)	(397,845		)	(547,799		)	1,448,502		(110,249		)	805,356			—		2,143,609			1,595,810			4,957,065		6,552,875		101,273	(6,090	)	95,183
iShares International Treasury Bond (Varoom GLWB 5)	(718		)	(37		)	(1,837		)	(2,592		)	9,420		(157		)	2,993			—		12,256			9,664			22,715		32,379		568	(17	)	551
Vanguard Dividend Appreciation Index Fund ETF (Varoom)	1,211			8,300			(18,597		)	(9,086		)	—		(33,121		)	—			—		(33,121		)	(42,207		)	276,414		234,207		—	(852	)	(852	)
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)	(1,367		)	11,783			(31,676		)	(21,260		)	975		(6,991		)	23,561			—		17,545			(3,715		)	510,367		506,652		1,064	(543	)	521
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)	337			13,896			(20,956		)	(6,723		)	—		(75,066		)	23,221			—		(51,845		)	(58,568		)	172,864		114,296		—	(1,428	)	(1,428	)
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)	(3,509		)	17,932			(60,912		)	(46,489		)	365,924		(20,916		)	(10,287		)	—		334,721			288,232			871,584		1,159,816		10,553	(1,208	)	9,345
Vanguard Emerging Markets Index Fund ETF (Varoom)	282			21			(5,487		)	(5,184		)	—		—			—			—		—			(5,184		)	29,970		24,786		—	—		—
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)	145			3,592			(30,443		)	(26,706		)	2,012		(5,636		)	11,178			—		7,554			(19,152		)	154,786		135,634		1,753	(1,256	)	497
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)	564			(1,323		)	(12,209		)	(12,968		)	13,375		(10,269		)	487			—		3,593			(9,375		)	63,735		54,360		526	(444	)	82
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)	118			(971		)	(51,863		)	(52,716		)	42,901		(111		)	23,001			—		65,791			13,075			237,339		250,414		4,250	(1,507	)	2,743

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Statement of Changes in Net Assets (continued)

For the Year Ended December 31, 2015



	Inccrease (deccrease) in net assets from operations											Increase (decrease) in net assets from contract related transactions																				Unit Transactions
Subaccount	Net investment income (loss)			Realized gain (loss)		Change in net unrealized appreciation (depreciation) during the period			Net increase (decrease) in net assets resulting from operations			Contributions from contract holders		Contract terminations and benefits			Net transfers among investment options			Contract maintenance charges		Net increase (decrease) in net assets from contract related transactions			Increase (decrease) in net assets			Net assets, beginning of period		Net assets, end of period		Units purchased	Units redeemed		Increase (decrease) in units
ETF Shares (continued):
Vanguard Developed Markets Index Fund ETF (Varoom)	$	351		$	183	$	(1,308	)	$	(774	)	$	215	$	—		$	1,692		$	—	$	1,907		$	1,133		$	35,039	$	36,172				68
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)	3,812			39,406		(65,301		)	(22,083		)	11,734		(65,483		)	20,348			—		(33,401		)	(55,484		)	1,199,216		1,143,732					(870	)
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)	334			4,483		(8,383		)	(3,566		)	494		(12		)	13,833			—		14,315			10,749			144,206		154,955		993	(425	)	568
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)	1,308			7,512		(17,288		)	(8,468		)	61,594		(96,427		)	27,631			—		(7,202		)	(15,670		)	200,815		185,145		2,583	(2,945	)	(362	)
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)	11,921			38,012		(270,683		)	(220,750		)	1,448,487		(109,723		)	430,248			—		1,769,012			1,548,262			4,928,995		6,477,257		59,995	(3,534	)	56,461
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)	(42		)	5,348		(17,869		)	(12,563		)	63,371		(4,047		)	42,509			—		101,833			89,270			241,302		330,572		3,722	(465	)	3,257
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)	132			30		(237		)	(75		)	—		—			—			—		—			(75		)	8,944		8,869		—	—		—
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)	128			193		(637		)	(316		)	—		—			(150		)	—		(150		)	(466		)	19,445		18,979		19	(24	)	(5	)
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)	1,194			505		(2,685		)	(986		)	—		(20,130		)	19,825			—		(305		)	(1,291		)	83,968		82,677		291	(307	)	(16	)
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)	410			1,354		(3,198		)	(1,434		)	15,660		(337		)	(12,296		)	—		3,027			1,593			78,741		80,334		669	(555	)	114
Vanguard Large-Cap Index ETF (Varoom)	123			463		(1,078		)	(492		)	—		—			—			—		—			(492		)	66,620		66,128		—	—		—
Vanguard Large-Cap Index ETF (Varoom GLWB 2)	(1,840		)	10,425		(12,257		)	(3,672		)	650		(1,440		)	10,172			—		9,382			5,710			304,038		309,748		667	(403	)	264
Vanguard Large-Cap Index ETF (Varoom GLWB 3)	(191		)	17,096		(18,938		)	(2,033		)	11,979		(97,038		)	39,836			—		(45,223		)	(47,256		)	216,435		169,179		411	(1,511	)	(1,100	)
Vanguard Large-Cap Index ETF (Varoom GLWB 5)	(5,595		)	24,768		(31,656		)	(12,483		)	80,616		(4,491		)	(43,296		)	—		32,829			20,346			655,625		675,971		2,129	(1,329	)	800
Vanguard Mega Cap Index ETF (Varoom)	171			120		(405		)	(114		)	—		—			—			—		—			(114		)	33,306		33,192		—	—		—
Vanguard Mega Cap Index ETF (Varoom GLWB 2)	(67		)	1,226		(1,199		)	(40		)	325		(927		)	8,706			—		8,104			8,064			14,437		22,501		261	(54	)	207
Vanguard Mega Cap Index ETF (Varoom GLWB 3)	(101		)	6,853		(7,101		)	(349		)	—		(85,582		)	28,398			—		(57,184		)	(57,533		)	85,658		28,125		123	(1,505	)	(1,382	)
Vanguard Mega Cap Index ETF (Varoom GLWB 5)	(571		)	10,332		(11,603		)	(1,842		)	25,761		(1,447		)	(23,937		)	—		377			(1,465		)	88,782		87,317		691	(698	)	(7	)
Vanguard REIT Index ETF (Varoom)	994			4,549		(5,290		)	253			344		(12,808		)	—			—		(12,464		)	(12,211		)	59,915		47,704		8	(321	)	(313	)
Vanguard REIT Index ETF (Varoom GLWB 2)	1,410			11,331		(13,550		)	(809		)	325		(571		)	(6,353		)	—		(6,599		)	(7,408		)	119,983		112,575		498	(684	)	(186	)
Vanguard REIT Index ETF (Varoom GLWB 3)	2,240			873		(2,539		)	574			—		(28,083		)	27,084			—		(999		)	(425		)	114,626		114,201		55	(80	)	(25	)
Vanguard REIT Index ETF (Varoom GLWB 5)	3,202			17,637		(21,746		)	(907		)	68,306		(7,437		)	(27,271		)	—		33,598			32,691			227,518		260,209		2,272	(1,386	)	886
Vanguard Total Bond Market Index ETF (Varoom)	1,407			535		(4,620		)	(2,678		)	1,851		—			11,836			—		13,687			11,009			206,552		217,561		512	(9	)	503
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)	3,433			102,763		(256,989		)	(150,793		)	82,137		(448,845		)	43,458			—		(323,250		)	(474,043		)	8,568,335		8,094,292		13,236	(25,557	)	(12,321	)
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)	(1,211		)	8,423		(22,153		)	(14,941		)	7,686		(7,616		)	(20,382		)	—		(20,312		)	(35,253		)	781,859		746,606		1,636	(2,399	)	(763	)
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)	3,592			14,991		(30,026		)	(11,443		)	270,878		(294,305		)	183,633			—		160,206			148,763			616,052		764,815		16,467	(10,243	)	6,224
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)	(45,409		)	114,562		(961,632		)	(892,479		)	10,139,908		(778,401		)	2,264,354			—		11,625,861			10,733,382			35,222,675		45,956,057		497,889	(32,167	)	465,722
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)	(8,155		)	10,984		(60,915		)	(58,086		)	549,919		(51,023		)	108,027			—		606,923			548,837			2,076,178		2,625,015		29,438	(5,026	)	24,412
Vanguard VI Money Market (Varoom GLWB 2)	(120		)	—		2			(118		)	—		—			125			—		125			7			4,758		4,765		14	—		14
Vanguard VI Money Market (Varoom GLWB 3)	(2,296		)	—		46			(2,250		)	12,599		—			3,364			—		15,963			13,713			117,908		131,621		1,708	(5	)	1,703
Vanguard VI Money Market (Varoom GLWB 5)	(3,988		)	—		247			(3,741		)	50,000		(3,090		)	5,943			—		52,853			49,112			120,340		169,452		6,543	(690	)	5,853
Vanguard Short Term Bond ETF (Varoom GLWB 2)	(39		)	7		(117		)	(149		)	—		—			12,002			—		12,002			11,853			—		11,853		504	(1	)	503
Vanguard Short Term Bond ETF (Varoom GLWB 3)	(333		)	344		(603		)	(592		)	15,119		(10,992		)	7,081			—		11,208			10,616			42,308		52,924		904	(447	)	457
Vanguard Short Term Bond ETF (Varoom GLWB 5)	(4,158		)	924		(2,626		)	(5,860		)	216,491		(5,904		)	20,711			—		231,298			225,438			236,909		462,347		10,363	(540	)	9,823

See accompanying notes.
* - 2015 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements

1. Organization and Nature of Operations

Integrity Life Insurance Company Separate Account I (the “Separate Account”) is a unit investment trust registered under the Investment Company Act of 1940 (the “1940 Act”), established by the Integrity Life Insurance Company (the “Company”), a life insurance company, that is a wholly-owned subsidiary of The Western and Southern Life Insurance Company. The Separate Account was established on May 19, 1986, for the purpose of issuing variable annuity contracts (“Contracts”).

Contract holders may allocate or transfer their account values to one or more of the Separate Account’s investment subaccounts, or for certain contract holders, to one or more fixed guaranteed rate options of the Company’s Separate Account Guaranteed Principal Option (“GPO”). Options in the Separate Account GPO include fixed guaranteed rate options over various maturity periods that are subject to a market value adjustment (“MVA”) and a Systematic Transfer Option (“STO”), which accumulates interest at a fixed rate without an MVA. All STO contributions must be transferred to other investment divisions or to a guaranteed rate option within either six months or one year of the contribution. In addition, certain contract holders may also allocate or transfer their account values to options held in the Company’s general account. Such options include a guaranteed interest division or quarterly rate option.

Each subaccount invests all its investible assets in shares of corresponding investment portfolios (“Underlying Funds”) of the investment companies listed below along with the investment advisor for each:



Trusts	Advisors
American Funds Insurance Series	Capital Research and Management Company
AIM (Invesco) Variable Insurance Fund	Invesco Advisers, Inc.
BlackRock Variable Series Funds, Inc.	BlackRock Advisors, LLC
Columbia Variable Series Trust II, Columbia Funds Variable Insurance Trust	Columbia Management Investment Advisors, LLC
Deutsche Investments VIT Funds	Deutsche Investment Management Americas, Inc.
(Fidelity) Variable Insurance Products Fund, Variable Insurance Products Fund II, Variable Insurance Products Fund III, Variable Insurance Products Fund IV and Variable Insurance Products Fund V	Fidelity Management and Research Company, Strategic Advisors, Inc., Strategic Advisers, Inc.
Franklin Templeton Variable Insurance Products Trust	Franklin Advisers, Inc., Franklin Advisory Services, LLC, Franklin Mutual Advisers, LLC, Templeton Global Advisors Limited, Templeton Investment Counsel, LLC
iShares Trust	BlackRock Fund Advisors
JPMorgan Insurance Trust	J.P. Morgan Investment Management, Inc.
Northern Lights Variable Trust	ValMark Advisers, Inc.
PIMCO Variable Insurance Trust	Pacific Investment Management Company LLC
Rydex Variable Trust	Security Investors, LLC, dba Guggenheim Investments
Touchstone Variable Series Trust	Touchstone Advisors, Inc.
The Universal Institutional Funds, Inc.	Morgan Stanley Investment Management, Inc.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

1. Organization and Significant Accounting Policies (continued)



Trusts	Advisors
Vanguard Bond Index Funds, Vanguard Index Funds, Vanguard International Equity Index Funds, Vanguard Scottsdale Funds, Vanguard Specialized Funds, Vanguard Tax-Managed Funds, Vanguard Variable Insurance Funds, Vanguard World Funds	The Vanguard Group, Inc.

Mid Atlantic Trust Company (“MATC”), a South Dakota registered non-depository trust company, is the custodian for the Vanguard ETFs and the iShares ETFs held by the subaccounts.

The contract holder’s account value in a subaccount will vary depending on the performance of the corresponding Underlying Fund. The Separate Account currently has 961 subaccounts available. The investment objective of each subaccount is to invest in the corresponding Underlying Fund. Refer to each Underlying Fund’s prospectus for a description of investment objectives.

Under applicable insurance law, the assets and liabilities of the Separate Account are clearly identified and distinguished from the Company’s other assets and liabilities. The portion of the Separate Account’s assets applicable to contract holders’ accounts is not chargeable with liabilities arising out of any other business the Company may conduct.

Basis of Presentation

The accompanying financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“US GAAP”).

Investments

Investments in shares of the Underlying Funds are valued at fair value as determined by the closing net asset value per share on December 31, 2016. The difference between cost and fair value is reflected as unrealized appreciation or depreciation of investments.

Share transactions are recorded on the trade date. Realized gains and losses on sales of the Underlying Funds’ shares are determined based on the identified cost basis.

Capital gain distributions are included in the realized gain distributions line on the Statements of Operations. Dividends are included in the reinvested dividends line on the Statements of Operations. Dividends and capital gain distributions are recorded on the ex-dividend date. Dividends and capital gain distributions from the Underlying Funds’ are reinvested in the respective Underlying Funds and are reflected in the unit values of the subaccounts.

The Separate Account’s investments are held at fair value. Fair value is the price that the Separate Account would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants at the measurement date. Fair Value is established using a three-level hierarchy based upon the transparency of inputs to the valuation of an asset or liability. Inputs may be observable or unobservable and refer broadly to the assumptions that market participants would use in pricing the asset or liability. Observable inputs reflect

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

1. Organization and Significant Accounting Policies (continued)

the assumptions market participants would use in pricing the asset or liability based on market data obtained from sources independent of the reporting entity. Unobservable inputs reflect the reporting entity’s own assessment regarding the assumptions market participants would use in pricing the asset or liability and are developed based on the best information available in the circumstances. The Separate Account’s investments are assigned a level based upon the observability of the inputs that are significant to the overall valuation. The three-tier hierarchy of inputs is summarized below.


•	Level 1 - inputs to the valuation methodology are quoted prices in active markets.


•	Level 2 - inputs to the valuation methodology are observable, directly or indirectly.


•	Level 3 - inputs to the valuation methodology are unobservable and reflect assumptions on the part of the reporting entity.

The Separate Account’s investments are valued as Level 1. There were no transfers between levels 1, 2, and 3 during the year. The Separate Account’s policy is to recognize the transfers in and transfers out of levels at the beginning of the annual reporting period.

Unit Value

Unit values for the subaccounts are computed at the end of each business day. The unit value is equal to the unit value for the preceding business day multiplied by a net investment factor. This net investment factor is determined based on the net asset value of the Underlying Fund, reinvested dividends and capital gains, and the daily asset charge for the mortality and expense risk and certain administrative charges, as applicable.

Taxes

Operations of the Separate Account are included in the income tax return of the Company, which is taxed as a life insurance company under the Internal Revenue Code (“IRC”). The Separate Account is not taxed as a regulated investment company under Subchapter M of the IRC. Under the provisions of the policies, the Company has the right to charge the Separate Account for federal income tax attributable to the Separate Account. No charge is currently being made against the Separate Account for such tax since, under current tax law, the Company pays no tax on investment income and capital gains reflected in variable annuity policy reserves. However, the Company retains the right to charge for any federal income tax incurred, which is attributable to the Separate Account if the law is changed. Charges for state and local taxes, if any, attributable to the Separate Account may also be made.

Use of Estimates

The preparation of financial statements in accordance with US GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

1. Organization and Significant Accounting Policies (continued)

Subsequent Events

Management has evaluated subsequent events through the issuance of these financial statements and determined that no additional disclosures are required.

Error Correction

During 2016, management determined the total return ratio presented in Note 4 for 2014 for the Invesco VI American Value (Grandmaster) subaccount was misstated in the December 31, 2015 financial statements. Management has restated the impacted total return ratio.

There was no impact on the increase (decrease) in net assets or net assets at the end of period as previously presented in the December 31, 2015 statements of changes in net assets. There was also no impact on the previously reported net assets, unit values or units outstanding.

The following table summarizes the effect of the restatement to the total return ratio for the Invesco VI American Value (Grandmaster) subaccount disclosed in the December 31, 2015 financial statements.



Subaccount	Year	Total return ratio as adjusted	Total return ratio as originally reported	Effect of adjustment
Invesco VI American Value (Grandmaster)	2014	8.00%	42.70%	(34.70)%

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments

The aggregate cost of Underlying Fund shares purchased and proceeds from Underlying Fund shares sold during the period ended December 31, 2016 and the cost of investments held at December 31, 2016, for each subaccount, were as follows:



Subaccount	Purchases		Sales		Cost
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)	$	4,500	$	26,621	$	160,589
Touchstone Aggressive ETF (AnnuiChoice ®)	13,612		47,160		534,879
Touchstone Aggressive ETF (AnnuiChoice II )	18,081		86,351		476,796
Touchstone Aggressive ETF (GrandMaster flex3 )	17,149		808,155		580,490
Touchstone Aggressive ETF (Grandmaster )	3,529		3,382		102,908
Touchstone Aggressive ETF (IQ Advisor Standard)	4,139		1,687		243,187
Touchstone Aggressive ETF (IQ Annuity )	102,414		623,889		4,955,488
Touchstone Aggressive ETF (Pinnacle )	6,773		8,655		393,777
Touchstone Aggressive ETF (Pinnacle IV )	109,359		213,096		310,786
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )	2,582		1,166		70,600
Touchstone Aggressive ETF (Pinnacle Plus )	2,708		18,850		133,002
Touchstone Aggressive ETF (Pinnacle V )	264,766		455,468		1,887,789
Touchstone Conservative ETF (AdvantEdge )	6,068		17,136		228,992
Touchstone Conservative ETF (AnnuiChoice II )	58,301		235,213		1,055,904
Touchstone Conservative ETF (AnnuiChoice )	429,882		440,359		169,009
Touchstone Conservative ETF (GrandMaster flex3 )	1,207,173		1,208,502		94,816
Touchstone Conservative ETF (Grandmaster )	10,241		16,690		64,847
Touchstone Conservative ETF (IQ Advisor Standard )	4,601		1,049		158,685
Touchstone Conservative ETF (IQ Annuity )	643,553		611,642		818,518
Touchstone Conservative ETF (Pinnacle )	347,726		383,532		114,405
Touchstone Conservative ETF (Pinnacle IV )	292,943		580,813		327,693
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )	20,316		6,022		20,069
Touchstone Conservative ETF (Pinnacle Plus )	3,353		28,374		134,170
Touchstone Conservative ETF Fund (Pinnacle V )	974,254		2,172,424		5,363,915
Touchstone Active Bond (AdvantEdge )	33,849		119,380		233,267
Touchstone Active Bond (AnnuiChoice II )	110,471		97,779		410,128
Touchstone Active Bond (AnnuiChoice )	25,617		25,346		553,135
Touchstone Active Bond (GrandMaster flex3 )	7,998		49,721		301,115
Touchstone Active Bond (Grandmaster )	10,067		114,621		242,793
Touchstone Active Bond (IQ Annuity )	20,363		114,381		508,150
Touchstone Active Bond (Pinnacle )	19,227		101,640		846,107
Touchstone Active Bond (Pinnacle IV )	59,504		275,810		623,434
Touchstone Active Bond (Pinnacle II Reduced M&E )	119		69		5,639
Touchstone Active Bond (Pinnacle Plus Reduced M&E )	19,335		48,220		100,791
Touchstone Active Bond (Pinnacle Plus )	6,730		111,769		134,587
Touchstone Active Bond (PinnacleV )	3,114,487		753,788		7,493,945
Touchstone GMAB Aggressive ETF (AnnuiChoice II )	3,039		45,575		116,763
Touchstone GMAB Aggressive ETF (Pinnacle IV )	8,217		178,712		327,647
Touchstone GMAB Aggressive ETF (Pinnacle V )	7,682		78,901		300,331
Touchstone GMAB Conservative ETF (AnnuiChoice II )	6,017		11,292		204,618
Touchstone GMAB Conservative ETF (Pinnacle IV )	14,290		54,504		484,210
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Affiliated (continued):
Touchstone GMAB Conservative ETF (Pinnacle V )	$	13,692	$	26,368	$	466,114
Touchstone GMAB Moderate ETF (AnnuiChoice II )	2,631		582		26,119
Touchstone GMAB Moderate ETF (Pinnacle IV )	43,896		188,384		492,083
Touchstone GMAB Moderate ETF(Pinnacle V )	74,780		13,689		490,779
Touchstone Large Cap Core Equity (AdvantEdge )	53,379		220,310		311,624
Touchstone Large Cap Core Equity (AnnuiChoice II )	169,799		94,958		620,101
Touchstone Large Cap Core Equity (AnnuiChoice )	53,599		87,145		279,059
Touchstone Large Cap Core Equity (GrandMaster flex3 )	12,128		44,089		98,451
Touchstone Large Cap Core Equity (Grandmaster )	24,277		9,339		104,510
Touchstone Large Cap Core Equity (IQ Advisor Standard )	5		6,038		—
Touchstone Large Cap Core Equity (IQ Annuity )	34,679		39,478		211,884
Touchstone Large Cap Core Equity (Pinnacle )	542,542		1,166,454		3,525,230
Touchstone Large Cap Core Equity (Pinnacle IV )	883,119		497,596		1,585,330
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )	43,722		4,322		337,041
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )	158,128		105,273		250,750
Touchstone Large Cap Core Equity (Pinnacle Plus )	8,487		136,650		84,461
Touchstone Large Cap Core Equity (PinnacleV )	10,652,859		7,055,799		9,945,999
Touchstone Focused (AdvantEdge )	114,575		165,369		502,241
Touchstone Focused (AnnuiChoice II )	511,372		490,750		2,460,298
Touchstone Focused (AnnuiChoice )	601,337		475,328		2,948,939
Touchstone Focused (GrandMaster flex3 )	431,852		541,362		1,119,753
Touchstone Focused (Grandmaster )	135,670		363,874		686,824
Touchstone Focused (IQ Advisor Standard )	85,866		11,646		122,008
Touchstone Focused (IQ Annuity )	1,333,549		914,973		5,516,206
Touchstone Focused (Pinnacle )	947,528		1,098,955		5,353,293
Touchstone Focused (Pinnacle IV )	766,191		873,081		3,694,129
Touchstone Focused (Pinnacle II Reduced M&E )	107,096		7,162		680,949
Touchstone Focused (Pinnacle Plus Reduced M&E )	341,602		215,470		807,517
Touchstone Focused (Pinnacle Plus )	142,774		583,991		203,491
Touchstone Focused (PinnacleV )	3,671,354		1,726,373		9,303,346
Touchstone Moderate ETF (AdvantEdge )	20,359		370,213		232,898
Touchstone Moderate ETF (AnnuiChoice II )	242,657		161,176		2,182,604
Touchstone Moderate ETF (AnnuiChoice )	158,549		126,586		1,678,685
Touchstone Moderate ETF (GrandMaster flex3 )	71,194		605,691		783,514
Touchstone Moderate ETF (Grandmaster )	20,741		9,843		154,291
Touchstone Moderate ETF (IQ Advisor Enhanced )	3,273		311		35,709
Touchstone Moderate ETF (IQ Advisor Standard )	11,536		820		135,474
Touchstone Moderate ETF (IQ Annuity )	113,236		167,801		1,218,782
Touchstone Moderate ETF (Pinnacle )	22,082		75,464		277,209
Touchstone Moderate ETF (Pinnacle IV )	140,546		197,551		1,046,115
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )	12,970		3,200		16,140
Touchstone Moderate ETF (Pinnacle Plus )	20,796		28,945		224,744
Touchstone Moderate ETF (Pinnacle V )	586,106		598,411		3,260,486
Non-Affiliated Initial Class:
Fidelity VIP Balanced (Pinnacle )	40,358		165,974		965,602
Fidelity VIP Balanced (Pinnacle II Reduced M&E )	255		80		6,616
Fidelity VIP Balanced (Grandmaster )	53,599		105,322		1,307,412

* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Initial Class (continued):
Fidelity VIP Overseas (Pinnacle )	$	1,294	$	19,104	$	66,961
Fidelity VIP Overseas (Pinnacle IV )	888		14,358		43,678
Fidelity VIP Equity-Income (Grandmaster )	857,995		1,157,883		7,951,467
Fidelity VIP Equity-Income (Pinnacle )	169,055		398,385		1,608,858
Fidelity VIP Equity-Income (Pinnacle II Reduced M&E )	2,633		43,731		—
Fidelity VIP Growth (Grandmaster )	610,110		675,488		3,735,839
Fidelity VIP High Income (Grandmaster )	1,421,865		1,622,212		1,294,027
Fidelity VIP II Asset Manager (Grandmaster )	212,516		597,278		3,219,923
Fidelity VIP II Contrafund (Grandmaster )	905,333		1,871,115		8,670,446
Fidelity VIP II Contrafund (Pinnacle )	639,667		1,097,608		4,143,218
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )	3,204		10,713		25,037
Fidelity VIP II Index 500 (Grandmaster )	51,237		551,183		3,701,689
Fidelity VIP II Index 500 (IQ Annuity )	2,846		6,455		109,979
Fidelity VIP II Index 500 (Pinnacle )	32,905		539,108		1,307,398
Fidelity VIP II Index 500 (Pinnacle IV )	2,440		9,397		86,277
Fidelity VIP II Index 500 (Pinnacle II Reduced M&E )	37		36,517		—
Fidelity VIP II Investment Grade Bond (Pinnacle )	31,839		380,288		1,094,825
Fidelity VIP II Investment Grade Bond (Pinnacle IV )	8,264		68,593		341,150
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )	1,059		483		44,797
Fidelity VIP II Investment Grade Bond (AnnuiChoice )	8,117		13,761		328,236
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )	1,219		2,661		49,265
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )	2,385		40,402		95,672
Fidelity VIP II Investment Grade Bond (Grandmaster )	44,448		156,949		1,814,737
Fidelity VIP II Investment Grade Bond (IQ Annuity )	6,580		15,418		272,076
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )	3,986		12,670		20,221
Fidelity VIP II Investment Grade Bond (Pinnacle Plus )	3		3,776		—
Fidelity VIP Government Money Market (Pinnacle )	766,263		951,039		1,053,060
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )	80,117		81,041		23,046
Fidelity VIP Government Money Market (Pinnacle IV )	696,362		1,631,245		1,116,802
Fidelity VIP Government Money Market (Pinnacle V )	9,597,962		15,278,946		4,645,685
Fidelity VIP Government Money Market (Pinnacle Plus )	1,205,548		1,689,214		7,332
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )	624,410		415,952		224,573
Fidelity VIP Government Money Market (Grandmaster )	623,912		1,326,677		1,473,389
Fidelity VIP Government Money Market (Grandmaster flex3 )	749,158		839,374		661,028
Fidelity VIP Government Money Market (AdvantEdge )	1,712,908		2,687,276		544,455
Fidelity VIP Government Money Market (AnnuiChoice )	350,186		467,706		501,006
Fidelity VIP Government Money Market (AnnuiChoice II )	1,044,938		943,222		915,951
Fidelity VIP Government Money Market (IQ Annuity )	324,818		325,016		191,882
Fidelity VIP Government Money Market (IQ3 )	1,578,215		2,476,405		1,822,023
Fidelity VIP Government Money Market (IQ Advisor Standard )	163		188,481		57,434
Fidelity VIP Government Money Market (Varoom GLWB 2)*	4,946		90		4,856
Fidelity VIP Government Money Market (Varoom GLWB 3)*	145,016		759		144,257
Fidelity VIP Government Money Market (Varoom GLWB 5)*	179,927		2,833		177,094
Fidelity VIP Overseas (AnnuiChoice )	1,466		6,666		76,431
Fidelity VIP Overseas (AnnuiChoice II )	385		1,822		23,456
Fidelity VIP Overseas (Grandmaster flex3 )	194		220		493
Fidelity VIP Overseas (Grandmaster )	27,159		100,463		1,868,933
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Initial Class (continued):
Fidelity VIP Overseas (IQ Annuity )	$	286	$	5,214	$	16,048
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	374		323		24,247
Fidelity VIP Overseas (Pinnacle Plus )	—		193		—
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )	27,693		21,454		329,607
Fidelity VIP Growth (IQ Annuity )	21,818		17,368		133,132
Fidelity VIP Growth (Pinnacle )	39,864		31,067		251,138
Fidelity VIP Growth (Pinnacle II Reduced M&E )	190		29		1,495
Fidelity VIP High Income (IQ Annuity )	409,331		346,950		284,082
Fidelity VIP II Asset Manager (IQ Annuity )	996		404		12,951
Fidelity VIP II Contrafund (IQ Annuity )	183,233		309,234		930,090
Fidelity VIP III Balanced (IQ Annuity )	4,494		3,784		112,522
Fidelity VIP III Mid Cap (Grandmaster )	54,330		273,625		610,136
Fidelity VIP III Mid Cap (IQ Annuity )	59,147		71,901		710,791
Fidelity VIP III Mid Cap (Pinnacle )	167,602		730,106		2,043,288
Fidelity VIP Overseas (IQ Annuity )	459		891		27,196
Non-Affiliated Service Class 2:
Fidelity VIP Asset Manager (IQ3 )	16,233		17,753		218,524
Fidelity VIP Asset Manager (AdvantEdge )	5,034		2,585		55,979
Fidelity VIP Asset Manager (AnnuiChoice II )	12,274		11,605		120,592
Fidelity VIP Asset Manager (AnnuiChoice )	12,360		3,878		201,423
Fidelity VIP Asset Manager (GrandMaster flex3 )	22,818		12,492		186,675
Fidelity VIP Asset Manager (IQ Advisor Standard )	185		44		3,580
Fidelity VIP Asset Manager (Pinnacle )	1,991		410		30,533
Fidelity VIP Asset Manager (Pinnacle IV )	22,840		21,428		268,636
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )	5,092		12,319		57,145
Fidelity VIP Asset Manager (Pinnacle Plus )	426		1,802		6,762
Fidelity VIP Asset Manager (Pinnacle V )	55,620		42,941		460,716
Fidelity VIP Balanced (AdvantEdge )	9,830		38,864		213,282
Fidelity VIP Balanced (AnnuiChoice II )	67,111		100,368		859,824
Fidelity VIP Balanced (AnnuiChoice )	29,568		34,551		496,929
Fidelity VIP Balanced (GrandMaster flex3 )	29,190		26,380		250,522
Fidelity VIP Balanced (Grandmaster )	111,284		169,821		623,409
Fidelity VIP Balanced (IQ3 )	66,723		127,548		758,329
Fidelity VIP Balanced (Pinnacle )	76,123		91,819		408,311
Fidelity VIP Balanced (Pinnacle IV )	78,063		226,840		927,326
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )	2,555		3,049		23,705
Fidelity VIP Balanced (Pinnacle Plus )	2,265		46,811		31,804
Fidelity VIP Balanced (Pinnacle V )	196,627		234,526		1,355,860
Fidelity VIP Contrafund (AdvantEdge )	307,801		601,106		2,188,809
Fidelity VIP Contrafund (AnnuiChoice II )	662,314		723,103		3,555,515
Fidelity VIP Contrafund (AnnuiChoice )	337,457		796,287		2,038,389
Fidelity VIP Contrafund (GrandMaster flex3 )	430,970		1,007,354		1,457,168
Fidelity VIP Contrafund (IQ Advisor Standard )	25,618		6,618		140,874
Fidelity VIP Contrafund (IQ3 )	605,618		622,973		3,202,003
Fidelity VIP Contrafund (Pinnacle IV )	672,120		906,775		4,139,632
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )	66,727		169,914		371,132
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Contrafund (Pinnacle Plus )	$	45,549	$	225,621	$	354,240
Fidelity VIP Contrafund (Pinnacle V )	3,124,291		1,750,270		13,847,421
Fidelity VIP Disciplined Small Cap (Advantedge)	31,931		2,461		29,687
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )	58,711		19,198		100,457
Fidelity VIP Disciplined Small Cap (AnnuiChoice )	62,931		2,691		159,225
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )	2,455		634		22,590
Fidelity VIP Disciplined Small Cap (GrandMaster )	105,186		113,544		68,139
Fidelity VIP Disciplined Small Cap (IQ Annuity )	9,154		10,059		58,219
Fidelity VIP Disciplined Small Cap (Pinnacle )	10,190		5,662		119,593
Fidelity VIP Disciplined Small Cap (Pinnacle IV )	30,344		116,079		214,377
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )	2,244		18,473		888
Fidelity VIP Disciplined Small Cap (Pinnacle Plus )	113		924		—
Fidelity VIP Disciplined Small Cap (Pinnacle V )	856,656		77,491		1,169,077
Fidelity VIP Equity-Income (AnnuiChoice II )	58,261		60,176		375,560
Fidelity VIP Equity-Income (AdvantEdge )	80,006		167,421		678,238
Fidelity VIP Equity-Income (AnnuiChoice )	95,842		93,348		931,029
Fidelity VIP Equity-Income (GrandMaster flex3 )	117,360		144,168		139,958
Fidelity VIP Equity-Income (IQ Advisor Standard )	997		126		11,533
Fidelity VIP Equity-Income (IQ3 )	57,472		93,103		440,297
Fidelity VIP Equity-Income (Pinnacle IV )	98,823		103,090		852,895
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )	5,942		2,299		47,922
Fidelity VIP Equity-Income (Pinnacle Plus )	98,589		166,277		201,747
Fidelity VIP Equity-Income (Pinnacle V )	604,012		383,390		1,309,156
Fidelity VIP Freedom 2010 (Advantedge )	4,216		5,952		94,722
Fidelity VIP Freedom 2010 (AnnuiChoice II )	4,759		16,169		108,613
Fidelity VIP Freedom 2010 (GrandMaster )	682		32,905		17,886
Fidelity VIP Freedom 2010 (IQ Annuity )	9,440		9,039		47,676
Fidelity VIP Freedom 2010 (Pinnacle )	542		227		15,113
Fidelity VIP Freedom 2010 (Pinnacle IV )	23,612		27,608		57,633
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )	507		179		14,508
Fidelity VIP Freedom 2010 (Pinnacle Plus )	263		5,485		3,831
Fidelity VIP Freedom 2010 (Pinnacle V )	15,767		45,181		383,403
Fidelity VIP Freedom 2015 (AdvantEdge )	3,583		8,249		79,237
Fidelity VIP Freedom 2015 (AnnuiChoice II )	79,649		63,186		150,121
Fidelity VIP Freedom 2015 (GrandMaster )	9,389		38		9,352
Fidelity VIP Freedom 2015 (IQ Advisor Standard )	9,085		326,736		—
Fidelity VIP Freedom 2015 (IQ Annuity )	124,448		619,471		38,322
Fidelity VIP Freedom 2015 (Pinnacle IV )	72		111		1,631
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )	699		220		18,268
Fidelity VIP Freedom 2015 (Pinnacle Plus )	907		16,487		12,945
Fidelity VIP Freedom 2015 (Pinnacle V )	226,406		125,794		1,334,728
Fidelity VIP Freedom 2020 (AdvantEdge )	7,358		67,796		105,945
Fidelity VIP Freedom 2020 (AnnuiChoice II )	362,808		456,283		586,255
Fidelity VIP Freedom 2020 (AnnuiChoice )	1,191		38,885		—
Fidelity VIP Freedom 2020 (GrandMaster flex3 )	736		1,072		17,266
Fidelity VIP Freedom 2020 (GrandMaster )	1,468		43,989		4,753
Fidelity VIP Freedom 2020 (IQ Annuity )	511,399		132,531		670,155
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2020 (Pinnacle IV )	$	2,574	$	845	$	47,584
Fidelity VIP Freedom 2020 (Pinnacle )	1,150		351		27,636
Fidelity VIP Freedom 2020 (Pinnacle Plus )	786		10,988		10,275
Fidelity VIP Freedom 2020 (Pinnacle V )	237,437		897,478		3,084,203
Fidelity VIP Freedom 2025 (Advantedge)	8,137		7,887		179,151
Fidelity VIP Freedom 2025 (AnnuiChoice II )	328,392		33,784		508,298
Fidelity VIP Freedom 2025 (IQ Annuity )	70,676		109,743		132,074
Fidelity VIP Freedom 2025 (Pinnacle )	207		63		3,705
Fidelity VIP Freedom 2025 (Pinnacle IV )	1,291		452		25,518
Fidelity VIP Freedom 2025 (Pinnacle Plus )	353		5,696		3,419
Fidelity VIP Freedom 2025 (Pinnacle V )	597,331		620,722		2,889,893
Fidelity VIP Freedom 2030 (AnnuiChoice II )	2,250		34,294		15,774
Fidelity VIP Freedom 2030 (Grandmaster )	119		36		2,551
Fidelity VIP Freedom 2030 (IQ Annuity )	22,581		1,917		126,147
Fidelity VIP Freedom 2030 (Pinnacle )	112		31		2,412
Fidelity VIP Freedom 2030 (Pinnacle IV )	20,196		207		20,394
Fidelity VIP Freedom 2030 (Pinnacle V )	17,774		5,414		259,509
Fidelity VIP Growth (AnnuiChoice II )	75,647		18,120		215,666
Fidelity VIP Growth (GrandMaster )	169,110		118,366		572,560
Fidelity VIP Growth (AdvantEdge )	47,665		33,248		102,980
Fidelity VIP Growth (AnnuiChoice )	44,418		57,063		372,524
Fidelity VIP Growth (GrandMaster flex3 )	16,986		89,302		96,636
Fidelity VIP Growth (IQ Advisor Standard )	667		6,728		—
Fidelity VIP Growth (IQ3 )	50,790		47,264		332,507
Fidelity VIP Growth (Pinnacle )	83,549		98,405		280,154
Fidelity VIP Growth (Pinnacle IV )	90,403		203,902		571,641
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )	5,898		33,951		30,010
Fidelity VIP Growth (Pinnacle Plus )	41,796		1,338		40,581
Fidelity VIP Growth (Pinnacle V )	1,319,568		363,343		2,789,716
Fidelity VIP High Income (AdvantEdge )	2,597,655		1,987,347		1,092,358
Fidelity VIP High Income (AnnuiChoice II )	1,199,276		941,362		760,498
Fidelity VIP High Income (AnnuiChoice )	74,328		32,957		351,387
Fidelity VIP High Income (GrandMaster flex3 )	17,147,447		15,047,265		8,265,232
Fidelity VIP High Income (IQ Advisor Standard )	178		120		3,869
Fidelity VIP High Income (IQ3 )	1,916,826		1,497,352		1,192,055
Fidelity VIP High Income (Pinnacle )	7,576,675		6,399,818		4,097,891
Fidelity VIP High Income (Pinnacle IV )	313,943		431,533		276,048
Fidelity VIP High Income (Pinnacle II Reduced M&E )	372,054		731,324		—
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )	1,739		1,063		15,883
Fidelity VIP High Income (Pinnacle Plus )	1,006		13,519		20,792
Fidelity VIP High Income (Pinnacle V )	275,145		2,025,395		1,181,657
Fidelity VIP II Index 500 (Pinnacle )	41,856		115,691		808,510
Fidelity VIP II Index 500 (Pinnacle IV )	86,951		696,400		4,345,195
Fidelity VIP II Index 500 (Pinnacle V )	2,294,784		1,612,960		17,155,195
Fidelity VIP Index 500 (AdvantEdge )	125,614		451,062		961,819
Fidelity VIP Index 500 (AnnuiChoice II )	1,341,019		842,043		3,505,749
Fidelity VIP Index 500 (AnnuiChoice )	45,562		126,637		866,379
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Index 500 (Grandmaster flex3 )	$	272,986	$	97,471	$	460,907
Fidelity VIP Index 500 (Grandmaster )	145,257		329,833		2,078,511
Fidelity VIP Index 500 (IQ Advisor Standard )	61,653		8,013		127,145
Fidelity VIP Index 500 (IQ3 )	360,550		125,799		1,029,444
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )	65,502		82,676		196,424
Fidelity VIP Index 500 (Pinnacle Plus )	5,729		210,265		279,130
Fidelity VIP Investment Grade Bond (AdvantEdge )	478,970		257,604		1,788,453
Fidelity VIP Investment Grade Bond (AnnuiChoice II )	1,057,342		597,644		3,881,924
Fidelity VIP Investment Grade Bond (AnnuiChoice )	169,051		142,888		1,501,238
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )	300,120		248,066		498,262
Fidelity VIP Investment Grade Bond (GrandMaster )	136,761		248,546		857,347
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )	1,487		126,892		59,975
Fidelity VIP Investment Grade Bond (IQ3 )	173,996		305,947		1,080,957
Fidelity VIP Investment Grade Bond (Pinnacle )	115,056		39,761		1,389,169
Fidelity VIP Investment Grade Bond (Pinnacle IV )	125,074		62,659		416,406
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )	16,590		17,614		8,570
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )	9,720		8,322		71,588
Fidelity VIP Investment Grade Bond (Pinnacle Plus )	5,954		97,426		122,238
Fidelity VIP Investment Grade Bond (Pinnacle V )	6,287,030		1,122,164		18,495,363
Fidelity VIP Mid Cap (AdvantEdge )	85,639		84,645		256,879
Fidelity VIP Mid Cap (AnnuiChoice II )	186,940		160,195		728,661
Fidelity VIP Mid Cap (AnnuiChoice )	68,695		88,866		795,655
Fidelity VIP Mid Cap (GrandMaster flex3 )	37,123		58,302		316,349
Fidelity VIP Mid Cap (Grandmaster )	65,511		310,740		369,682
Fidelity VIP Mid Cap (IQ Advisor Standard )	51,172		7,845		159,577
Fidelity VIP Mid Cap (IQ Annuity )	416,900		444,542		1,831,840
Fidelity VIP Mid Cap (Pinnacle )	41,854		68,993		493,689
Fidelity VIP Mid Cap (Pinnacle IV )	185,161		560,748		1,742,388
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )	34,458		13,127		243,253
Fidelity VIP Mid Cap (Pinnacle Plus )	134,820		200,700		103,427
Fidelity VIP Mid Cap (Pinnacle V )	597,929		562,632		1,932,127
Fidelity VIP Overseas (AdvantEdge )	30,165		104,814		338,596
Fidelity VIP Overseas (AnnuiChoice II )	8,476		50,238		216,317
Fidelity VIP Overseas (AnnuiChoice )	20,423		24,257		320,384
Fidelity VIP Overseas (GrandMaster flex3 )	8,223		48,749		150,846
Fidelity VIP Overseas (GrandMaster )	74,368		113,181		355,030
Fidelity VIP Overseas (IQ Advisor Standard )	223		4,001		3,399
Fidelity VIP Overseas (IQ3 )	40,009		252,132		230,799
Fidelity VIP Overseas (Pinnacle )	5,093		22,145		331,144
Fidelity VIP Overseas (Pinnacle IV )	30,321		66,603		273,759
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )	65,256		63,837		103,343
Fidelity VIP Overseas (Pinnacle Plus )	10,576		72,423		72,793
Fidelity VIP Overseas (Pinnacle V )	224,552		164,891		971,085
Fidelity VIP Target Volatility (AdvantEdge )	132,900		5,332		242,472
Fidelity VIP Target Volatility (AnnuiChoice II )	34,016		74,618		633,772
Fidelity VIP Target Volatility (GrandMaster )	1,118		2,778		63,414
Fidelity VIP Target Volatility (Pinnacle IV )	339		997		19,269
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Target Volatility (Pinnacle V )	$	1,004,263	$	77,737	$	1,811,070
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )	94,827		12,208		170,292
Columbia VIT Mid Cap Value (AnnuiChoice II )	21,920		23,318		90,845
Columbia VIT Mid Cap Value (Annuichoice )	57,018		179,219		194,625
Columbia VIT Mid Cap Value (Grandmaster flex3 )	61,697		453,843		97,960
Columbia VIT Mid Cap Value (Grandmaster )	27,101		14,361		108,941
Columbia VIT Mid Cap Value (Pinnacle )	8,484		150,100		95,275
Columbia VIT Mid Cap Value (Pinnacle IV )	72,358		123,537		185,688
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )	14,836		857		18,768
Columbia VIT Mid Cap Value (Pinnacle Plus )	127,313		143,387		82,217
Columbia VIT Mid Cap Value (Pinnacle V )	402,471		191,645		658,501
Franklin Growth and Income VIP Fund (Pinnacle )	210,801		469,195		1,483,649
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	760		105		6,415
Franklin Income VIP Fund (Pinnacle )	307,671		954,278		4,726,481
Franklin Income VIP Fund (Pinnacle II Reduced M&E )	45,351		50,315		241,011
JP Morgan IT Mid Cap Value (AnnuiChoice )	7,035		53,857		58,540
JP Morgan IT Mid Cap Value (Grandmaster )	4,971		46,133		27,912
JP Morgan IT Mid Cap Value (GrandMaster flex3 )	7,852		25,642		66,240
JP Morgan IT Mid Cap Value (IQ3 )	3,875		13,117		37,225
JP Morgan IT Mid Cap Value (Pinnacle )	4,968		1,262		46,706
JP Morgan IT Mid Cap Value (Pinnacle IV )	15,650		19,336		151,886
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )	2,408		3,645		39,319
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	2,023		6,276		35,800
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	86		21		1,590
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )	1,943		551		31,991
Morgan Stanley UIF Emerging Markets Debt (IQ3 )	4,331		1,221		77,755
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )	96,399		108,244		358,077
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )	34,841		45,681		21,397
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	2,987		2,635		57,051
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	2,805		17,841		114,512
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	184		570		7,306
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )	1,686		4,874		69,423
Morgan Stanley UIF U.S. Real Estate (IQ3 )	5,838		56,508		241,341
Morgan Stanley UIF U.S. Real Estate (Pinnacle )	209,261		372,060		879,619
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	8,926		253,808		247,153
Non-Affiliated Class 2:
American Funds Managed Risk Asset Allocation (AdvantEdge )	145,163		19,896		367,397
American Funds Managed Risk Asset Allocation (AnnuiChoice )	7,586		548		13,743
American Funds Managed Risk Asset Allocation (AnnuiChoice II )	53,515		43,444		367,525
American Funds Managed Risk Asset Allocation (GrandMaster )	42,078		11,215		30,897
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )	13,675		1,083		32,250
American Funds Managed Risk Asset Allocation (Pinnacle IV )	38,308		9,330		137,220
American Funds Managed Risk Asset Allocation (Pinnacle V )	1,545,625		246,851		3,019,774
Columbia VIT Small Cap Value (AdvantEdge )	25,598		117,520		153,074
Columbia VIT Small Cap Value (AnnuiChoice II )	209,572		87,420		601,184
Columbia VIT Small Cap Value (AnnuiChoice )	14,452		12,934		130,249
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 2 (continued):
Columbia VIT Small Cap Value (Grandmaster flex3 )	$	27,176	$	522	$	40,431
Columbia VIT Small Cap Value (Grandmaster )	4,615		1,385		33,667
Columbia VIT Small Cap Value (Pinnacle Plus )	47,144		46,220		58,435
Columbia VIT Small Cap Value (Pinnacle )	55,736		4,022		68,755
Columbia VIT Small Cap Value (Pinnacle IV )	9,933		1,757		29,986
Columbia VIT Small Cap Value (Pinnacle V )	481,418		278,187		1,953,438
Franklin Growth and Income VIP Fund (AdvantEdge )	169,899		76,476		153,575
Franklin Growth and Income VIP Fund (AnnuiChoice )	107,462		303,970		777,515
Franklin Growth and Income VIP Fund (AnnuiChoice II )	49,280		139,655		250,617
Franklin Growth and Income VIP Fund (Grandmaster )	113,051		74,062		456,048
Franklin Growth and Income VIP Fund (GrandMaster flex3 )	71,447		300,722		341,805
Franklin Growth and Income VIP Fund (IQ Annuity )	282,741		223,224		1,178,632
Franklin Growth and Income VIP Fund (Pinnacle )	86,278		66,940		657,979
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )	5		1		39
Franklin Growth and Income VIP Fund (Pinnacle IV )	158,908		205,605		869,826
Franklin Growth and Income VIP Fund (Pinnacle Plus )	29,187		199,771		149,666
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )	102,575		104,049		210,119
Franklin Growth and Income VIP Fund (Pinnacle V )	559,854		159,416		1,620,534
Franklin Income VIP Fund (AdvantEdge )	79,830		16,580		335,668
Franklin Income VIP Fund (AnnuiChoice )	104,075		182,833		1,099,123
Franklin Income VIP Fund (AnnuiChoice II )	469,102		407,931		7,744,605
Franklin Income VIP Fund (Grandmaster )	93,749		241,019		917,957
Franklin Income VIP Fund (GrandMaster flex3 )	246,253		350,560		2,021,713
Franklin Income VIP Fund (IQ Advisor Standard )	180		20		3,577
Franklin Income VIP Fund (IQ Annuity )	103,438		343,900		1,217,461
Franklin Income VIP Fund (Pinnacle IV )	183,220		329,803		2,236,608
Franklin Income VIP Fund (Pinnacle Plus )	392,367		533,840		304,275
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )	191,061		156,124		451,040
Franklin Income VIP Fund (Pinnacle V )	1,816,462		769,362		5,121,000
Franklin Large Cap Growth VIP Fund (AdvantEdge )	49,707		412,097		684,430
Franklin Large Cap Growth VIP Fund (AnnuiChoice )	75,553		105,240		66,582
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )	46,605		290,162		316,644
Franklin Large Cap Growth VIP Fund (Grandmaster )	40,389		40,476		42,800
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )	42,202		65,157		109,852
Franklin Large Cap Growth VIP Fund (IQ Advisor Standard )	—		17,849		—
Franklin Large Cap Growth VIP Fund (IQ Annuity )	3,368		6,673		187,364
Franklin Large Cap Growth VIP Fund (Pinnacle )	3,450		12,009		89,876
Franklin Large Cap Growth VIP Fund (Pinnacle IV )	52,595		150,500		305,279
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )	406,053		623,170		166,875
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )	97,497		25,885		164,569
Franklin Large Cap Growth VIP Fund (Pinnacle V )	596,229		236,631		1,826,689
Franklin Mutual Shares VIP Fund (AdvantEdge )	179,806		453,953		1,309,802
Franklin Mutual Shares VIP Fund (AnnuiChoice )	55,338		55,864		401,013
Franklin Mutual Shares VIP Fund (AnnuiChoice II )	692,720		440,500		2,796,846
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )	93,653		84,511		758,057
Franklin Mutual Shares VIP Fund (IQ Annuity )	47,852		104,078		399,465
Franklin Mutual Shares VIP Fund (Pinnacle )	59,170		233,387		517,640
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 2 (continued):
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )	$	788	$	1,090	$	6,929
Franklin Mutual Shares VIP Fund (Pinnacle IV )	146,999		247,997		1,116,792
Franklin Mutual Shares VIP Fund (Pinnacle Plus )	28,613		145,194		203,802
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )	140,004		103,966		302,458
Franklin Mutual Shares VIP Fund (Pinnacle V )	3,036,594		765,839		11,237,238
Franklin Mutual Shares VIP Fund(Grandmaster )	70,332		196,233		477,122
Franklin Small Cap Value VIP Fund (AdvantEdge )	83,255		14,716		177,665
Franklin Small Cap Value VIP Fund (Annuichoice )	11,674		9,127		67,484
Franklin Small Cap Value VIP Fund (Annuichoice II )	62,403		43,199		275,462
Franklin Small Cap Value VIP Fund (Grandmaster )	125,486		54,751		80,390
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )	39,281		36,126		52,659
Franklin Small Cap Value VIP Fund (IQ Annuuity )	20,318		44,959		31,515
Franklin Small Cap Value VIP Fund (Pinnacle Plus )	15,003		426		31,982
Franklin Small Cap Value VIP Fund (Pinnacle )	101,300		77,584		57,555
Franklin Small Cap Value VIP Fund (Pinnacle IV )	20,822		6,237		30,014
Franklin Small Cap Value VIP Fund (Pinnacle V )	599,812		404,306		1,112,270
Invesco VI American Franchise (AdvantEdge )	589		421		3,301
Invesco VI American Franchise (AnnuiChoice )	663		307		4,123
Invesco VI American Franchise (AnnuiChoice II )	8,103		2,024		43,254
Invesco VI American Franchise (Grandmaster )	253		334		2,491
Invesco VI American Franchise (GrandMaster flex3 )	1,309		8,733		5,948
Invesco VI American Franchise (IQ Advisor Standard )	314		81		2,767
Invesco VI American Franchise (IQ Annuity )	24,339		20,315		172,765
Invesco VI American Franchise (Pinnacle )	50,279		37,933		71,517
Invesco VI American Franchise (Pinnacle IV )	28,754		81,508		110,458
Invesco VI American Franchise (Pinnacle Plus )	2,301		1,189		16,408
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )	2,086		177		14,209
Invesco VI American Franchise (Pinnacle V )	224,584		248,395		997,648
Invesco VI American Value (AdvantEdge )	40,592		89,517		114,509
Invesco VI American Value (AnnuiChoice )	6,490		10,642		16,004
Invesco VI American Value (AnnuiChoice II )	260,660		108,461		677,463
Invesco VI American Value (Grandmaster )	3,014		16,101		61,242
Invesco VI American Value (Grandmaster flex3 )	1,711		11,136		1,763
Invesco VI American Value (IQ Annuity )	6,971		20,447		62,322
Invesco VI American Value (Pinnacle )	2,472		5,677		49,765
Invesco VI American Value (Pinnacle IV )	8,660		42,280		70,207
Invesco VI American Value (Pinnacle Plus Reduced M&E )	462		14,439		8,754
Invesco VI American Value (Pinnacle V )	2,259,082		1,151,602		3,556,661
Invesco VI Comstock (AdvantEdge )	37,153		149,768		299,335
Invesco VI Comstock (AnnuiChoice )	41,568		82,276		230,294
Invesco VI Comstock (AnnuiChoice II )	347,160		255,898		1,221,420
Invesco VI Comstock (Grandmaster )	17,595		6,797		196,334
Invesco VI Comstock (GrandMaster flex3 )	6,397		3,800		64,603
Invesco VI Comstock (IQ Advisor Standard )	456		20		3,598
Invesco VI Comstock (IQ Annuity )	36,254		123,705		248,369
Invesco VI Comstock (Pinnacle )	11,290		15,924		97,255
Invesco VI Comstock (Pinnacle IV )	20,842		22,376		177,981
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 2 (continued):
Invesco VI Comstock (Pinnacle Plus )	$	—	$	16,626	$	—
Invesco VI Comstock (Pinnacle Plus Reduced M&E )	3,379		2,780		38,508
Invesco VI Comstock (Pinnacle V )	2,940,209		1,096,024		6,945,454
Invesco VI International Growth Class II (Advantedge)	112,181		10,892		354,848
Invesco VI International Growth Class II (IQ Advisor Enhanced )	135,543		32,325		518,803
Invesco VI International Growth Class II (Pinnacle )	4,436		3,855		47,200
Invesco VI International Growth Class II (Pinnacle Plus )	42,270		93,456		81,707
Invesco VI International Growth Class II (Pinnacle V )	691,500		119,940		2,220,113
Invesco VI International Growth II (Annuichoice)	4,219		7,056		155,961
Invesco VI International Growth II (Grandmaster )	3,624		5,171		17,116
Invesco VI International Growth II (Grandmaster flex3 )	59		78		5,174
Invesco VI Mid Cap Growth II (Annuichoice II )*	935		1		934
Invesco VI Mid Cap Growth II (Pinnacle IV )*	7,440		7		7,433
Invesco VI Mid Cap Growth II (Pinnacle V )*	97,924		8,378		88,776
Templeton Foreign VIP Fund (IQ Annuity )	27,500		66,076		254,754
Templeton Foreign VIP Fund (Pinnacle )	17,062		39,962		503,998
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )	536		11,300		3,646
Templeton Foreign VIP Fund (Pinnacle IV )	61,789		193,348		535,345
Templeton Foreign VIP Fund (Pinnacle V )	1,253,620		281,113		4,790,254
Templeton Foreign VIP Fund (AnnuiChoice )	18,810		38,472		348,181
Templeton Foreign VIP Fund (AnnuiChoice II )	264,717		97,069		1,173,160
Templeton Foriegn VIP Fund (AdvantEdge )	47,504		218,850		576,467
Templeton Foriegn VIP Fund (Grandmaster )	24,917		57,947		314,783
Templeton Foriegn VIP Fund (GrandMaster flex3 )	23,898		91,646		268,089
Templeton Foriegn VIP Fund (IQ Advisor Standard )	2,045		12,399		66,151
Templeton Foriegn VIP Fund (Pinnacle Plus )	4,925		46,083		125,348
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )	12,559		3,642		165,506
Templeton Global Bond VIP Fund (Pinnacle )	60		55,896		22,993
Templeton Global Bond VIP Fund (Grandmaster )	8,364		34,418		374,344
Templeton Global Bond VIP Fund (GrandMaster flex3 )	5,185		21,503		67,548
Templeton Global Bond VIP Fund (Pinnacle V )	3,294		148,074		877,417
Templeton Global Bond VIP Fund (Advantedge )	26		25,701		12,947
Templeton Global Bond VIP Fund (Pinnacle IV )	310,632		259,646		3,607,390
Templeton Global Bond VIP Fund (Annuichoice )	271		31,328		111,055
Templeton Global Bond VIP Fund (AnnuiChoice II )	5,198		29,601		85,419
Templeton Growth VIP Fund (AdvantEdge )	12,320		19,505		116,593
Templeton Growth VIP Fund (AnnuiChoice )	27,306		7,432		241,908
Templeton Growth VIP Fund (AnnuiChoice II )	20,290		60,560		126,913
Templeton Growth VIP Fund (Grandmaster )	17,651		10,920		201,581
Templeton Growth VIP Fund (GrandMaster flex3 )	27,034		77,775		294,067
Templeton Growth VIP Fund (IQ Annuity )	33,442		91,637		266,981
Templeton Growth VIP Fund (Pinnacle )	44,434		76,504		502,179
Templeton Growth VIP Fund (Pinnacle IV )	58,274		102,574		470,800
Templeton Growth VIP Fund (Pinnacle Plus )	13,177		118,684		80,562
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )	98,981		39,306		176,989
Templeton Growth VIP Fund (Pinnacle V )	71,484		100,302		924,165
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )	70,015		78,266		323,539
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )	7,221		15,849		91,537

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )	$	11,209	$	29,551	$	97,477
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )	88,477		48,508		150,675
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )	50,286		46,446		63,685
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )	42,752		34,121		164,738
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )	31,307		65,046		157,269
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )	2,698		6,279		48,214
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )	1,872		13,021		14,903
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )	580,435		201,822		680,953
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )	36,931		99,213		354,318
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )	82,789		12,276		236,907
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )	19,168		51,153		224,004
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )	20,162		12,781		151,732
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )	229,882		31,619		364,201
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )	72,305		3,812		73,221
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )	82,271		71,515		243,483
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )	89,642		48,878		368,174
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )	66,716		114,313		430,607
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )	1,374		135,355		55,308
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )	59,825		38,083		55,597
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )	362,825		243,470		1,472,811
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )	12,509		61,282		105,480
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )	21,267		15,105		76,715
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )	21,120		137,794		262,482
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )	6,647		25,484		144,722
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )	87,056		82,240		336,435
Morgan Stanley UIF U.S. Real Estate (Grandmaster )	124,996		123,433		195,279
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )	17,889		45,001		90,121
Morgan Stanley UIF U.S. Real Estate (IQ Advisor Standard )	1		6,120		—
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )	41,010		40,898		153,306
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )	17,253		85,947		397,342
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )	815,405		295,083		2,747,666
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)	10,058		13,444		120,892
BlackRock Capital Appreciation VI (AnnuiChoice II)	84,144		56,193		757,329
BlackRock Capital Appreciation VI (Annuichoice )	1,305		16,755		52,544
BlackRock Capital Appreciation VI (Grandmaster flex3 )	4,701		2,172		34,821
BlackRock Capital Appreciation VI Class III (Grandmaster )	1,736		114,068		33,750
BlackRock Capital Appreciation VI Class III (Pinnacle )	1,077		1,850		39,965
BlackRock Capital Appreciation VI Class III (Pinnacle IV )	6,454		3,447		108,291
BlackRock Capital Appreciation VI Class III (Pinnacle V )	1,897,870		296,790		4,170,490
BlackRock Global Allocation VI (Advantedge )	1,180		196,153		34,225
BlackRock Global Allocation VI (AnnuiChoice II)	91,295		66,656		957,241
BlackRock Global Allocation VI (Annuichoice )	3,026		30,041		152,190
BlackRock Global Allocation VI (Grandmaster flex3 )	13,800		68,235		129,079
BlackRock Global Allocation VI (Grandmaster )	12,061		3,068		84,181
BlackRock Global Allocation VI Class III (Pinnacle )	3,714		84,061		13,256
BlackRock Global Allocation VI Class III (Pinnacle IV )	39,460		20,663		382,027
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 3 (continued):
BlackRock Global Allocation VI Class III (Pinnacle II Reduced M&E )	$	—	$	15,346	$	—
BlackRock Global Allocation VI Class III (Pinnacle V )	73,233		48,508		432,036
BlackRock High Yield VI Class III (Annuichoice )*	6,810		96		6,715
BlackRock High Yield VI Class III (AnnuiChoice II)*	50		—		50
BlackRock High Yield VI Class III (Pinnacle V )*	26,344		695		25,657
BlackRock Total Return VI Class III (AnnuiChoice II)*	66,091		692		65,403
BlackRock Total Return VI Class III (Pinnacle )*	36,514		403		36,108
BlackRock Total Return VI Class III (Pinnacle V )*	257,954		41,704		215,698
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)	38,091		35,187		422,716
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )	251		876		17,960
TOPS Managed Risk Moderate Growth ETF (Annuichoice )	—		5,923		—
TOPS Managed Risk Moderate Growth ETF (Advantedge )	134,449		8,985		304,745
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )	2,900,086		1,721,962		2,813,618
TOPS Managed Risk Moderate Growth ETF (Grandmaster )	8,806		544		8,262
Non-Affiliated Class 4:
American Funds Bond (Pinnacle V )*	604,567		6,414		598,164
American Funds Capital Income Builder (Pinnacle )	8,708		1,718		6,982
American Funds Capital Income Builder (Pinnacle IV )	17,566		1,724		16,255
American Funds Capital Income Builder (Pinnacle V )	280,971		26,784		317,319
American Funds Capital Income Builder (AnnuiChoice )	6,825		95		6,730
American Funds Capital Income Builder (AnnuiChoice II )	65,573		3,349		68,519
American Funds Global Growth (AdvantEdge )	8,440		92,368		55,325
American Funds Global Growth (AnnuiChoice )	90,971		35,027		383,924
American Funds Global Growth (AnnuiChoice II )	28,317		24,011		154,669
American Funds Global Growth (GrandMaster )	89,152		97,556		1,018,148
American Funds Global Growth (GrandMaster flex3 )	15,343		111,252		36,854
American Funds Global Growth (Pinnacle )	3,247		27,686		13,774
American Funds Global Growth (Pinnacle IV )	234,055		288,800		2,469,350
American Funds Global Growth (Pinnacle V )	826,953		541,776		6,877,836
American Funds Growth (AdvantEdge )	196,628		19,279		220,272
American Funds Growth (AnnuiChoice )	25,225		14,432		28,502
American Funds Growth (AnnuiChoice II )	13,551		8,156		128,412
American Funds Growth (GrandMaster )	4,656		6,223		26,337
American Funds Growth (GrandMaster flex3 )	1,065		191		13,025
American Funds Growth (Pinnacle )	3,093		3,135		32,440
American Funds Growth (Pinnacle IV )	21,532		7,581		105,826
American Funds Growth (Pinnacle V )	1,305,999		186,216		1,819,158
American Funds Growth-Income (AdvantEdge )	20,608		89,422		124,439
American Funds Growth-Income (AnnuiChoice )	232,000		31,719		680,905
American Funds Growth-Income (AnnuiChoice II )	140,236		20,213		257,466
American Funds Growth-Income (GrandMaster )	152,199		102,487		1,286,342
American Funds Growth-Income (GrandMaster flex3 )	482,238		34,516		601,042
American Funds Growth-Income (Pinnacle )	146,489		2,701		146,665
American Funds Growth-Income (Pinnacle IV )	521,218		365,518		3,379,219
American Funds Growth-Income (Pinnacle V )	2,195,054		637,483		9,776,986
American Funds New World (AdvantEdge )	505		16,745		22,667
American Funds New World (AnnuiChoice )	33		52		6,541
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Non-Affiliated Class 4 (continued):
American Funds New World (AnnuiChoice II )	$	50,025	$	7,026	$	56,786
American Funds New World (GrandMaster )	1,720		26,851		3,904
American Funds New World (GrandMaster flex3 )	3,762		4,898		30,880
American Funds New World (Pinnacle )	8		25,050		—
American Funds New World (Pinnacle IV )	2,349		7,580		38,346
American Funds New World (Pinnacle V )	191,088		57,916		204,444
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )	74,065		60,297		398,953
Deutsche Small Cap Index VIP (Pinnacle IV )	2,060		519		19,610
Non-Affiliated Class B:
Deutsche Small Cap Index (AdvantEdge )	20,904		66		20,842
Deutsche Small Cap Index (AnnuiChoice II )	27,701		9,902		131,476
Deutsche Small Cap Index (AnnuiChoice )	8,354		32,248		77,813
Deutsche Small Cap Index (GrandMaster flex3 )	20,828		7,302		69,592
Deutsche Small Cap Index (Grandmaster )	13,140		18,277		120,596
Deutsche Small Cap Index (IQ3 )	13,424		35,259		81,355
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )	729		630		9,566
Deutsche Small Cap Index (Pinnacle Plus )	5,222		23,785		36,705
Deutsche Small Cap Index VIP (Pinnacle IV )	21,225		37,907		230,385
Deutsche Small Cap Index VIP (Pinnacle V )	411,958		67,555		673,470
Advisor Class:
Pimco VIT All Asset (AdvantEdge )	46,974		26,057		94,676
Pimco VIT All Asset (IQ Annuity )	69,863		39,852		342,089
Pimco VIT All Asset (Pinnacle )	31,657		3,258		176,168
Pimco VIT All Asset (Pinnacle II Reduced M&E )	41,119		56,456		—
Pimco VIT All Asset (AnnuiChoice II )	8,779		26,729		143,201
Pimco VIT All Asset (AnnuiChoice )	720		21,789		24,442
Pimco VIT All Asset (GrandMaster flex3 )	102,759		15,503		206,669
Pimco VIT All Asset (Grandmaster )	60,492		56,050		123,171
Pimco VIT All Asset (Pinnacle IV )	25,717		19,044		160,003
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )	307		154		11,716
Pimco VIT All Asset (Pinnacle Plus )	10,412		17		10,395
Pimco VIT All Asset (Pinnacle V )	630,573		234,734		581,393
Pimco VIT Foreign Bond (AnnuiChoice )*	2,577		5		2,572
Pimco VIT Foreign Bond (Pinnacle V )*	10,105		36		10,070
Pimco VIT Commodity Real Return (Pinnacle )	11,581		5,147		21,333
Pimco VIT Commodity Real Return (Pinnacle IV )	5,772		20,018		66,441
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )	16,426		18,057		1,560
Pimco VIT Commodity Real Return (Pinnacle V )	859,176		470,184		1,511,879
Pimco VIT Commodity Real Return Strategy (AdvantEdge )	46,225		59,536		440,764
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )	93,504		36,302		339,834
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )	417		20,019		13,925
Pimco VIT Commodity Real Return Strategy (Grandmaster )	24,441		25,023		28,096
Pimco VIT Commodity Real Return Strategy (IQ Annuity )	74,583		6,301		157,881
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )	40,744		19,621		66,402
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )	2,555		2,599		4,961
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )	111		2,723		17,827
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Advisor Class (continued):
Pimco VIT Long Term Government (IQ Annuity )	$	13,068	$	1,872	$	12,438
Pimco VIT Long Term Government (Pinnacle )	127,095		131,254		28,084
Pimco VIT Long Term Government (GrandMaster flex3 )	65		67		—
Pimco VIT Long Term Government (Pinnacle V )	71,355		4,561		74,578
Pimco VIT Long Term Government (AdvantEdge )	70,906		68,671		—
Pimco VIT Long Term Government (Pinnacle IV )	1,151,902		1,005,229		317,741
Pimco VIT Long Term Government (Annuichoice )	21,236		31,491		19,181
Pimco VIT Long Term Government (AnnuiChoice II )	29,469		11,945		47,742
Pimco VIT Low Duration (AnnuiChoice II )	949,370		1,371,836		1,147,031
Pimco VIT Low Duration (AnnuiChoice )	1,428		56,004		63,594
Pimco VIT Low Duration (GrandMaster flex3 )	12,619,072		17,146,600		414,506
Pimco VIT Low Duration (Grandmaster )	1,112,094		1,407,517		321,976
Pimco VIT Low Duration (IQ Annuity )	820,983		1,434,920		212,484
Pimco VIT Low Duration (Pinnacle )	5,707,162		7,751,598		122,646
Pimco VIT Low Duration (Pinnacle IV )	449,154		479,523		168,989
Pimco VIT Low Duration (Pinnacle II Reduced M&E )	183,023		373,885		—
Pimco VIT Low Duration (AdvantEdge )	1,018		1,289		75,484
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )	12,519		12,314		37,691
Pimco VIT Low Duration (Pinnacle Plus )	516		12,735		29,134
Pimco VIT Low Duration (Pinnacle V )	2,854,729		985,195		2,843,920
Pimco VIT Real Return (Pinnacle IV )	4,373		30,435		123,267
Pimco VIT Real Return (AdvantEdge )	1,191		24,210		30,209
Pimco VIT Real Return (AnnuiChoice II )	8,156		20,926		281,280
Pimco VIT Real Return (AnnuiChoice )	2,836		11,177		129,727
Pimco VIT Real Return (GrandMaster flex3 )	938		15,606		36,653
Pimco VIT Real Return (Grandmaster )	1,656		1,536		86,865
Pimco VIT Real Return (IQ Annuity )	12,191		2,601		136,076
Pimco VIT Real Return (Pinnacle )	410		918		19,260
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )	628		758		29,835
Pimco VIT Real Return (Pinnacle Plus )	43,517		1,536		47,983
Pimco VIT Real Return (Pinnacle V )	65,409		59,289		405,510
Pimco VIT Total Return (Pinnacle V )	5,034,790		2,522,962		27,464,524
Pimco VIT Total Return (AdvantEdge )	325,372		1,546,718		5,158,888
Pimco VIT Total Return (AnnuiChoice II )	889,185		544,334		4,588,244
Pimco VIT Total Return (AnnuiChoice )	40,744		94,979		559,639
Pimco VIT Total Return (GrandMaster flex3 )	63,341		96,265		416,484
Pimco VIT Total Return (Grandmaster )	48,054		83,088		502,661
Pimco VIT Total Return (IQ Annuity )	23,560		141,467		872,898
Pimco VIT Total Return (Pinnacle )	22,335		167,049		901,526
Pimco VIT Total Return (Pinnacle IV )	116,402		206,140		579,613
Pimco VIT Total Return (Pinnacle II Reduced M&E )	80		14,801		—
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )	38,744		52,583		72,021
Pimco VIT Total Return (Pinnacle Plus )	212,927		358,494		318,274
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )	6,717		18,558		1,448
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )	241		5,428		3,567
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
Investor Class (continued):
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )	$	70,175	$	46,531	$	423,640
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )	45,389		37,615		228,363
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )	10,837		12,100		68,080
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )	1,546		24,965		23,589
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )	813		13,625		8,037
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )	315		142		9,885
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )	28,490		65,867		52,570
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )	8,043		19,319		128,118
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )	12		2,257		11,797
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )	6		1,646		4,125
Guggenheim VT Multi-Hedge Strategies (Grandmaster )	50		39,579		12,486
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )	26		15,969		23,727
Guggenheim VT Multi-Hedge Strategies (Pinnacle )	—		8		315
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )	1,710		6,381		42,896
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )	7,722		797		7,019
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )	25		8,137		17,478
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )	19,367		56,592		145,991
Guggenheim VT Long Short Equity (AdvantEdge )	21,763		18,115		24,457
Guggenheim VT Long Short Equity (AnnuiChoice II )	1,435		10,238		55,439
Guggenheim VT Long Short Equity (AnnuiChoice )	727		770		67,745
Guggenheim VT Long Short Equity (GrandMaster flex3 )	—		135		9,005
Guggenheim VT Long Short Equity (Grandmaster )	—		233		2,143
Guggenheim VT Long Short Equity (IQ Annuity )	85		11,622		32,867
Guggenheim VT Long Short Equity (Pinnacle )	2		9,255		334
Guggenheim VT Long Short Equity (Pinnacle IV )	854		12,367		19,274
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )	—		438		4,317
Guggenheim VT Long Short Equity (Pinnacle Plus )	—		142		7,413
Guggenheim VT Long Short Equity (Pinnacle V )	5,471		20,980		66,290
ETF Shares:
iShares Core US Aggregate Bond ETF (Varoom ®)	2,665		7,043		117,206
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)	63,244		85,105		545,407
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)	1,256		821		42,328
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)	186,380		130,658		878,451
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)	28,979		29,879		254,663
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)	461		358		18,456
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)	194,101		58,901		927,913
iShares TIPS Bond ETF (Varoom)	1,255		2,439		86,919
iShares TIPS Bond ETF (Varoom GLWB 2)	2,421		13,534		39,293
iShares TIPS Bond ETF (Varoom GLWB 3)	67		146		3,914
iShares TIPS Bond ETF (Varoom GLWB 5)	12,879		7,374		95,187
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)	870		279		17,528
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)	1,543		11,377		24,075
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)	310,882		6,848		378,882
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)	27,776		34,770		255,630
iShares S&P 500 Growth ETF (Varoom)	2,809		21,395		103,491
iShares S&P 500 Growth ETF (Varoom GLWB 1)	44,059		95,568		415,995
iShares S&P 500 Growth ETF (Varoom GLWB 2)	2,569		5,782		31,200
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
ETF Shares (continued):
iShares S&P 500 Growth ETF (Varoom GLWB 3)	$	144,890	$	12,283	$	225,256
iShares S&P 500 Growth ETF (Varoom GLWB 4)	1,072,158		331,654		5,075,269
iShares S&P 500 Growth ETF (Varoom GLWB 5)	17,675		8,924		118,589
iShares Core S&P 500 Index ETF (Varoom)	99,364		36,913		357,332
iShares Core S&P 500 Index ETF (Varoom GLWB 1)	485,148		1,591,402		5,178,748
iShares Core S&P 500 Index ETF (Varoom GLWB 2)	34,570		104,993		512,182
iShares Core S&P 500 Index ETF (Varoom GLWB 3)	312,377		199,944		1,069,545
iShares Core S&P 500 Index ETF (Varoom GLWB 4)	9,484,327		2,795,962		47,350,403
iShares Core S&P 500 Index ETF (Varoom GLWB 5)	411,212		276,984		2,541,725
iShares S&P 500 Value ETF (Varoom)	31,504		16,542		73,387
iShares S&P 500 Value ETF (Varoom GLWB 1)	18,442		106,349		260,137
iShares S&P 500 Value ETF (Varoom GLWB 2)	1,284		3,982		28,821
iShares S&P 500 Value ETF (Varoom GLWB 3)	194,438		10,894		316,702
iShares S&P 500 Value ETF (Varoom GLWB 4)	312,502		233,059		1,975,310
iShares S&P 500 Value ETF (Varoom GLWB 5)	38,377		37,564		139,105
iShares Core S&P MidCap Index ETF (Varoom)	33,686		24,546		160,545
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)	152,528		586,318		1,442,289
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)	40,895		88,307		211,269
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)	250,345		55,371		475,211
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)	2,458,528		1,325,924		13,420,012
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)	170,535		131,118		606,319
iShares Core S&P Small Cap Index ETF (Varoom)	16,858		22,059		116,444
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)	80,758		337,356		701,395
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)	8,945		35,846		103,425
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)	197,607		31,299		340,662
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)	1,171,087		877,810		6,484,378
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)	170,150		129,528		539,762
iShares International Treasury Bond (Varoom)	17,289		2,397		44,241
iShares International Treasury Bond (Varoom GLWB 1)	112,161		230,714		1,167,695
iShares International Treasury Bond (Varoom GLWB 2)	1,456		3,712		18,342
iShares International Treasury Bond (Varoom GLWB 3)	36,635		22,191		45,214
iShares International Treasury Bond (Varoom GLWB 4)	1,753,770		524,963		8,369,331
iShares International Treasury Bond (Varoom GLWB 5)	12,495		3,560		43,844
Vanguard Dividend Appreciation Index Fund ETF (Varoom)	5,192		24,443		223,764
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)	39,743		122,251		364,359
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)	171,123		11,082		270,135
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)	158,817		152,721		1,153,131
Vanguard Emerging Markets Index Fund ETF (Varoom)	542		6,050		26,631
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)	23,638		61,545		122,613
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)	24,788		6,023		88,691
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)	122,227		63,146		362,134
Vanguard Developed Markets Index Fund ETF (Varoom)	17,256		2,976		51,073
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)	143,404		195,341		1,062,762
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)	28,095		9,615		178,519
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)	52,095		25,871		224,907
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)	1,926,282		344,961		8,393,880
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)	53,482		45,036		370,458
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

2. Investments (continued)



Subaccount	Purchases		Sales		Cost
ETF Shares (continued):
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)	$	296	$	166	$	9,048
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)	1,565		1,231		20,132
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)	2,716		5,395		82,047
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)	26,750		15,964		96,741
Vanguard Large-Cap Index ETF (Varoom)	1,413		3,568		44,100
Vanguard Large-Cap Index ETF (Varoom GLWB 2)	30,458		54,315		222,538
Vanguard Large-Cap Index ETF (Varoom GLWB 3)	143,287		10,838		294,400
Vanguard Large-Cap Index ETF (Varoom GLWB 5)	147,535		150,374		646,726
Vanguard Mega Cap Index ETF (Varoom)	742		1,792		27,283
Vanguard Mega Cap Index ETF (Varoom GLWB 2)	883		2,276		18,582
Vanguard Mega Cap Index ETF (Varoom GLWB 3)	851		4,712		24,399
Vanguard Mega Cap Index ETF (Varoom GLWB 5)	7,212		31,840		62,618
Vanguard REIT Index ETF (Varoom)	2,084		9,220		36,648
Vanguard REIT Index ETF (Varoom GLWB 2)	12,384		31,606		95,823
Vanguard REIT Index ETF (Varoom GLWB 3)	153,424		7,554		251,599
Vanguard REIT Index ETF (Varoom GLWB 5)	91,519		75,705		281,738
Vanguard Total Bond Market Index ETF (Varoom)	119,544		16,793		331,512
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)	802,907		1,403,104		7,967,035
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)	67,872		120,759		743,551
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)	452,903		170,354		1,081,035
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)	12,557,675		2,767,309		56,697,852
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)	490,792		262,078		2,921,751
Vanguard VI Money Market (Varoom GLWB 2)	533		5,296		—
Vanguard VI Money Market (Varoom GLWB 3)	5,385		137,006		—
Vanguard VI Money Market (Varoom GLWB 5)	16,176		185,630		—
Vanguard Short Term Bond ETF (Varoom GLWB 2)	12,239		12,845		11,567
Vanguard Short Term Bond ETF (Varoom GLWB 3)	7,873		7,274		54,561
Vanguard Short Term Bond ETF (Varoom GLWB 5)	46,151		153,543		362,350
* - 2016 inception date of subaccount.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

3. Expenses and Related Party Transactions

The Company assumes mortality and expense risks and incurs certain administrative expenses related to the operations of the Separate Account. All charges listed below under “Mortality and Expenses %” are the annual rates deducted as a daily charge, thus affecting the unit values. All other charges, including the annual administration fee, some optional benefit fees (those not listed under “Mortality and Expense %”), withdrawal charges and transfer charges, if any, are taken from the contract’s account value by redeeming units. Fourteen contracts are currently included in the Separate Account. The products are stated in the table below, along with the mortality and expense charges and the annual administration fee:



	Contracts	Mortality and Expense %	Annual Administration Fee
1	GrandMaster	1.35	$30
2	GrandMaster flex3	1.55	$50
3	IQ	1.35	$30
4	IQ3	1.45	$30
5	IQ Advisor - Standard	0.60	N/A
	IQ Advisor - Enhanced	0.80	N/A
6	AnnuiChoice	1.00	$30
	AnnuiChoice - GMAB Rider	1.60	$30
7	AnnuiChoice II	1.15	$30
	AnnuiChoice II - GMAB Rider	1.75	$30
8	Pinnacle Plus	1.67	$40
	Pinnacle Plus- Reduced M&E	1.15	$40
9	Pinnacle	1.35	$30
	Pinnacle-Reduced M&E	1.10	$30
10	Pinnacle IV	1.45	$30
	Pinnacle IV - GMAB	2.05	$30
11	Pinnacle V	1.55	$30
	Pinnacle V - GMAB	2.15	$30
12	AdvantEdge	1.60	$50
13	Varoom	1.75	N/A
	Varoom - Standard option	2.35	N/A
	Varoom - Self Styled Option	2.55	N/A
14	Varoom II	1.90	N/A
	Varoom II - Standard Option	2.55	N/A
	Varoom II - Self Styled Option	2.75	N/A

For optional benefits that are not included in the daily mortality and expense charge, the Company deducts an amount either quarterly or annually, depending on the benefit, to cover the cost of the additional benefits elected.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

3. Expenses and Related Party Transactions (continued)

For charges that are dependent on contract owner actions, e.g., withdrawal charges and transfer fees, the Company deducts an amount at the time of the transaction to cover the cost. In both situations (ongoing benefit charges and transaction charges), the fees are deducted from the account value by redeeming units.

Touchstone Advisors Inc., which is affiliated with the Company, advises each of the Touchstone Variable Series Trust offered through the Company’s variable products.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights

A summary of net assets, unit values and units outstanding for variable annuity contracts, investment income and expense ratios, excluding expenses of the underlying funds and total returns are presented for each of the five years in the period ended December 31, 2016.

Investment income ratio amounts represent the dividends, excluding distributions of capital gains, received by the subaccount from the Underlying Fund net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude those expenses, such as mortality and expense risk and administrative charges, that result in direct reductions in the unit values. The recognition of investment income by the subaccount is affected by the timing of the declaration of dividends by the Underlying Fund in which the subaccounts invest.

Expense ratio amounts represent the annualized contract expenses of the subaccount, consisting primarily of mortality and expense risk and administrative charges, for each period indicated. The ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to contract owner accounts through the redemption of units and expenses of the underlying fund are excluded.

Total return amounts represent the total return for the periods indicated, including changes in the fair value of the Underlying Fund, which includes expenses assessed through the reduction of unit values. The ratio does not include any expenses assessed through the redemption of units. Subaccounts with a date notation indicate the effective date of that investment option in the variable account. The total return is calculated for the period indicated or from the effective date through the end of the reporting period.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated:
Touchstone Aggressive ETF (AdvantEdge)
	2016	12	$	14.42	$	178	1.46	%	1.60	%	6.23	%
	2015	14	13.57		189		0.94	%	1.60	%	(1.70	)%
	2014	46	13.81		639		—	%	1.60	%	5.77	%
	2013	68	13.05		887		2.68	%	1.60	%	20.95	%
	2012	10	10.79		109		1.88	%	1.60	%	10.78	%
Touchstone Aggressive ETF (AnnuiChoice ®)
	2016	34	17.8		600		1.55	%	1.00	%	6.88	%
	2015	36	16.66		599		1.62	%	1.00	%	(1.10	)%
	2014	42	16.84		715		—	%	1.00	%	6.42	%
	2013	53	15.83		842		2.26	%	1.00	%	21.69	%
	2012	30	13.01		390		1.21	%	1.00	%	11.46	%
Touchstone Aggressive ETF (AnnuiChoice II )
	2016	28	21.16		594		1.47	%	1.15	%	6.72	%
	2015	31	19.83		624		1.59	%	1.15	%	(1.25	)%
	2014	35	20.08		699		—	%	1.15	%	6.26	%
	2013	37	18.90		702		2.57	%	1.15	%	21.50	%
	2012	34	15.55		528		1.67	%	1.15	%	11.29	%
Touchstone Aggressive ETF (GrandMaster flex3 )
	2016	37	16.64		623		0.94	%	1.55	%	6.28	%
	2015	86	15.66		1,352		1.61	%	1.55	%	(1.65	)%
	2014	99	15.92		1,582		—	%	1.55	%	5.83	%
	2013	103	15.04		1,556		2.49	%	1.55	%	21.01	%
	2012	72	12.43		900		0.89	%	1.55	%	10.84	%
Touchstone Aggressive ETF (Grandmaster )
	2016	8	17.06		129		1.56	%	1.35	%	6.5	%
	2015	8	16.02		121		1.84	%	1.35	%	(1.45	)%
	2014	7	16.25		107		—	%	1.35	%	6.04	%
	2013	7	15.33		103		1.99	%	1.35	%	21.26	%
	2012	8	12.64		107		2.00	%	1.35	%	11.06	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Aggressive ETF (IQ Advisor Standard)
	2016	14	$	19.70	$	276	1.57	%	0.60	%	7.31	%
	2015	14	18.36		258		1.68	%	0.60	%	(0.70	)%
	2014	14	18.49		259		—	%	0.60	%	6.85	%
	2013	14	17.30		243		1.92	%	0.60	%	22.18	%
	2012	1	14.16		17		2.03	%	0.60	%	11.91	%
Touchstone Aggressive ETF (IQ Annuity )
	2016	348	16.85		5,871		1.52	%	1.45	%	6.39	%
	2015	381	15.84		6,038		1.64	%	1.45	%	(1.55	)%
	2014	405	16.09		6,516		—	%	1.45	%	5.93	%
	2013	450	15.18		6,826		2.21	%	1.45	%	21.14	%
	2012	238	12.53		2,979		1.79	%	1.45	%	10.95	%
Touchstone Aggressive ETF (Pinnacle )
	2016	26	17.06		452		1.56	%	1.35	%	6.50	%
	2015	27	16.02		427		1.64	%	1.35	%	(1.45	)%
	2014	27	16.25		444		—	%	1.35	%	6.04	%
	2013	30	15.33		457		2.10	%	1.35	%	21.26	%
	2012	8	12.64		105		0.71	%	1.35	%	11.06	%
Touchstone Aggressive ETF (Pinnacle IV )
	2016	20	16.85		335		1.29	%	1.45	%	6.39	%
	2015	26	15.84		413		1.49	%	1.45	%	(1.55	)%
	2014	34	16.09		550		—	%	1.45	%	5.93	%
	2013	50	15.18		764		1.97	%	1.45	%	21.14	%
	2012	28	12.54		352		0.98	%	1.45	%	10.95	%
Touchstone Aggressive ETF (Pinnacle Plus Reduced M&E )
	2016	5	15.59		74		1.58	%	1.10	%	6.72	%
	2015	5	14.61		68		8.28	%	1.10	%	(1.25	)%
	2014	*-	14.79		3		—	%	1.10	%	47.93	%
Touchstone Aggressive ETF (Pinnacle Plus )
	2016	9	16.40		149		1.44	%	1.67	%	6.16	%
	2015	10	15.45		156		1.23	%	1.67	%	(1.77	)%
	2014	15	15.73		233		—	%	1.67	%	5.70	%
	2013	28	14.88		411		2.17	%	1.67	%	20.87	%
	2012	8	12.31		103		1.65	%	1.67	%	10.70	%
Touchstone Aggressive ETF (Pinnacle V )
	2016	106	20.51		2,170		1.48	%	1.55	%	6.28	%
	2015	115	19.30		2,221		1.68	%	1.55	%	(1.65	)%
	2014	117	19.62		2,300		—	%	1.55	%	5.83	%
	2013	125	18.54		2,324		2.84	%	1.55	%	21.01	%
	2012	104	15.32		1,592		1.92	%	1.55	%	10.84	%
Touchstone Conservative ETF (AdvantEdge )
	2016	17	12.94		221		1.49	%	1.60	%	3.89	%
	2015	18	12.46		226		1.20	%	1.60	%	(1.83	)%
	2014	32	12.69		402		1.26	%	1.60	%	3.54	%
	2013	35	12.26		423		1.58	%	1.60	%	6.76	%
	2012	29	11.48		332		1.74	%	1.60	%	5.02	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Conservative ETF (AnnuiChoice II )
	2016	71	$	15.04	$	1,073	1.41	%	1.15	%	4.37	%
	2015	84	14.41		1,214		1.44	%	1.15	%	(1.39	)%
	2014	94	14.61		1,368		1.16	%	1.15	%	4.02	%
	2013	98	14.05		1,379		1.46	%	1.15	%	7.25	%
	2012	98	13.10		1,281		1.66	%	1.15	%	5.50	%
Touchstone Conservative ETF (AnnuiChoice )
	2016	11	15.56		169		0.64	%	1.00	%	4.53	%
	2015	11	14.89		169		0.37	%	1.00	%	(1.24	)%
	2014	48	15.07		730		1.15	%	1.00	%	4.17	%
	2013	53	14.47		769		1.27	%	1.00	%	7.41	%
	2012	69	13.47		932		1.69	%	1.00	%	5.66	%
Touchstone Conservative ETF (GrandMaster flex3 )
	2016	7	14.55		95		0.19	%	1.55	%	3.95	%
	2015	5	13.99		75		0.78	%	1.55	%	(1.78	)%
	2014	33	14.25		471		1.13	%	1.55	%	3.60	%
	2013	39	13.75		531		1.33	%	1.55	%	6.82	%
	2012	46	12.88		595		1.71	%	1.55	%	5.08	%
Touchstone Conservative ETF (Grandmaster )
	2016	4	14.91		62		1.39	%	1.35	%	4.16	%
	2015	5	14.31		66		1.30	%	1.35	%	(1.59	)%
	2014	7	14.54		95		0.94	%	1.35	%	3.81	%
	2013	11	14.01		152		2.04	%	1.35	%	7.04	%
	2012	4	13.09		58		0.44	%	1.35	%	5.29	%
Touchstone Conservative ETF (IQ Advisor Standard )
	2016	11	16.86		178		1.54	%	0.60	%	4.95	%
	2015	11	16.07		170		1.52	%	0.60	%	(0.84	)%
	2014	11	16.20		171		1.19	%	0.60	%	4.59	%
	2013	11	15.49		164		1.45	%	0.60	%	7.85	%
	2012	11	14.36		154		1.76	%	0.60	%	6.09	%
Touchstone Conservative ETF (IQ Annuity )
	2016	55	14.73		812		1.29	%	1.45	%	4.05	%
	2015	54	14.15		760		1.51	%	1.45	%	(1.68	)%
	2014	52	14.39		754		1.05	%	1.45	%	3.70	%
	2013	65	13.88		897		1.46	%	1.45	%	6.93	%
	2012	64	12.98		829		1.37	%	1.45	%	5.18	%
Touchstone Conservative ETF (Pinnacle )
	2016	8	14.91		115		0.55	%	1.35	%	4.16	%
	2015	10	14.31		141		1.39	%	1.35	%	(1.59	)%
	2014	11	14.54		165		1.05	%	1.35	%	3.81	%
	2013	14	14.01		193		1.73	%	1.35	%	7.04	%
	2012	9	13.09		122		1.28	%	1.35	%	5.29	%
Touchstone Conservative ETF (Pinnacle IV )
	2016	22	14.73		329		0.86	%	1.45	%	4.05	%
	2015	42	14.15		598		1.41	%	1.45	%	(1.68	)%
	2014	47	14.40		674		1.15	%	1.45	%	3.70	%
	2013	54	13.88		753		1.52	%	1.45	%	6.93	%
	2012	49	12.98		639		1.30	%	1.45	%	5.18	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Conservative ETF (Pinnacle Plus Reduced M&E )
	2016	2	$	12.51	$	20	2.72	%	1.15	%	4.37	%
	2015	*-	11.99		6		1.64	%	1.15	%	(1.39	)%
	2014	*-	12.15		2		0.38	%	1.15	%	4.02	%
	2013	1	11.68		15		2.81	%	1.15	%	7.25	%
Touchstone Conservative ETF (Pinnacle Plus )
	2016	9	14.33		130		1.36	%	1.67	%	3.82	%
	2015	11	13.81		150		1.00	%	1.67	%	(1.90	)%
	2014	22	14.07		310		0.99	%	1.67	%	3.47	%
	2013	29	13.60		396		1.73	%	1.67	%	6.69	%
	2012	19	12.75		248		1.74	%	1.67	%	4.95	%
Touchstone Conservative ETF Fund (Pinnacle V )
	2016	357	14.58		5,204		1.25	%	1.55	%	3.95	%
	2015	442	14.03		6,202		1.54	%	1.55	%	(1.78	)%
	2014	443	14.28		6,327		1.15	%	1.55	%	3.60	%
	2013	450	13.79		6,210		1.73	%	1.55	%	6.82	%
	2012	302	12.91		3,893		2.06	%	1.55	%	5.08	%
Touchstone Active Bond (AdvantEdge )
	2016	19	12.61		234		1.83	%	1.60	%	4.29	%
	2015	25	12.09		308		2.70	%	1.60	%	(2.86	)%
	2014	16	12.45		201		2.74	%	1.60	%	2.16	%
	2013	15	12.19		188		3.34	%	1.60	%	(3.75	)%
	2012	18	12.66		222		3.02	%	1.60	%	3.59	%
Touchstone Active Bond (AnnuiChoice II )
	2016	29	13.84		405		2.14	%	1.15	%	4.76	%
	2015	29	13.21		379		3.30	%	1.15	%	(2.41	)%
	2014	16	13.54		222		2.58	%	1.15	%	2.62	%
	2013	16	13.19		211		3.68	%	1.15	%	(3.31	)%
	2012	15	13.64		206		2.63	%	1.15	%	4.07	%
Touchstone Active Bond (AnnuiChoice )
	2016	32	16.69		539		2.10	%	1.00	%	4.92	%
	2015	33	15.91		519		1.77	%	1.00	%	(2.26	)%
	2014	44	16.27		722		2.28	%	1.00	%	2.78	%
	2013	53	15.83		843		3.34	%	1.00	%	(3.16	)%
	2012	61	16.35		994		3.25	%	1.00	%	4.22	%
Touchstone Active Bond (GrandMaster flex3 )
	2016	21	14.58		302		1.96	%	1.55	%	4.34	%
	2015	24	13.98		331		3.26	%	1.55	%	(2.81	)%
	2014	18	14.38		265		2.37	%	1.55	%	2.21	%
	2013	21	14.07		289		3.11	%	1.55	%	(3.70	)%
	2012	26	14.61		386		2.74	%	1.55	%	3.64	%
Touchstone Active Bond (Grandmaster )
	2016	17	14.13		243		1.78	%	1.35	%	4.55	%
	2015	25	13.51		334		0.64	%	1.35	%	(2.61	)%
	2014	100	13.88		1,384		2.40	%	1.35	%	2.42	%
	2013	114	13.55		1,542		3.33	%	1.35	%	(3.50	)%
	2012	130	14.04		1,829		2.77	%	1.35	%	3.85	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



					Investment
		Units	Unit	Net Assets	Income		Expense		Total
Subaccount	Year	(000s)	Value	(000s)	Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Active Bond (IQ Annuity )
	2016	33	15.33	501	1.88	%	1.45	%	4.45	%
	2015	39	14.68	572	3.47	%	1.45	%	(2.71	)%
	2014	23	15.09	342	2.57	%	1.45	%	2.31	%
	2013	29	14.74	427	3.18	%	1.45	%	(3.60	)%
	2012	37	15.29	563	2.95	%	1.45	%	3.75	%
Touchstone Active Bond (Pinnacle )
	2016	57	14.98	851	2.00	%	1.35	%	4.55	%
	2015	63	14.33	899	3.11	%	1.35	%	(2.61	)%
	2014	40	14.72	586	2.53	%	1.35	%	2.42	%
	2013	41	14.37	595	3.47	%	1.35	%	(3.50	)%
	2012	47	14.89	695	2.97	%	1.35	%	3.85	%
Touchstone Active Bond (Pinnacle IV )
	2016	42	14.76	626	1.84	%	1.45	%	4.45	%
	2015	57	14.14	808	0.78	%	1.45	%	(2.71	)%
	2014	186	14.53	2,695	2.40	%	1.45	%	2.31	%
	2013	216	14.20	3,065	3.02	%	1.45	%	(3.60	)%
	2012	298	14.73	4,384	2.83	%	1.45	%	3.75	%
Touchstone Active Bond (Pinnacle II Reduced M&E )
	2016	*-	15.17	6	2.11	%	1.10	%	4.82	%
	2015	*-	14.47	5	2.18	%	1.10	%	(2.36	)%
Touchstone Active Bond (Pinnacle Plus Reduced M&E )
	2016	9	11.14	100	2.01	%	1.15	%	4.76	%
	2015	12	10.63	127	2.30	%	1.15	%	(2.41	)%
	2014	9	10.90	99	3.19	%	1.15	%	2.62	%
	2013	3	10.62	28	6.42	%	1.15	%	(3.31	)%
Touchstone Active Bond (Pinnacle Plus )
	2016	10	13.40	135	1.79	%	1.67	%	4.21	%
	2015	18	12.86	231	2.71	%	1.67	%	(2.92	)%
	2014	17	13.24	228	1.87	%	1.67	%	2.09	%
	2013	33	12.97	426	3.31	%	1.67	%	(3.81	)%
	2012	38	13.49	519	2.59	%	1.67	%	3.52	%
Touchstone Active Bond (PinnacleV )
	2016	572	13.00	7,429	2.46	%	1.55	%	4.34	%
	2015	394	12.46	4,908	2.06	%	1.55	%	(2.81	)%
	2014	393	12.82	5,039	2.66	%	1.55	%	2.21	%
	2013	370	12.54	4,645	3.66	%	1.55	%	(3.70	)%
	2012	353	13.02	4,599	3.22	%	1.55	%	3.64	%
Touchstone GMAB Aggressive ETF (AnnuiChoice II )
	2016	10	20.19	203	1.44	%	1.75	%	6.07	%
	2015	12	19.04	232	1.66	%	1.75	%	(1.85	)%
	2014	12	19.40	241	—	%	1.75	%	5.61	%
	2013	13	18.37	232	2.64	%	1.75	%	20.77	%
	2012	13	15.21	195	1.90	%	1.75	%	10.61	%
Touchstone GMAB Aggressive ETF (Pinnacle IV )
	2016	26	19.73	520	1.27	%	2.05	%	5.75	%
	2015	35	18.65	650	1.65	%	2.05	%	(2.15	)%
	2014	38	19.06	716	—	%	2.05	%	5.29	%
	2013	39	18.11	712	2.54	%	2.05	%	20.40	%
	2012	43	15.04	647	1.91	%	2.05	%	10.27	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone GMAB Aggressive ETF (Pinnacle V )
	2016	26	$	19.57	$	513	1.48	%	2.15	%	5.64	%
	2015	30	18.53		553		1.56	%	2.15	%	(2.25	)%
	2014	35	18.95		654		—	%	2.15	%	5.18	%
	2013	41	18.02		740		2.65	%	2.15	%	20.28	%
	2012	42	14.98		622		1.90	%	2.15	%	10.16	%
Touchstone GMAB Conservative ETF (AnnuiChoice II )
	2016	16	14.35		233		1.53	%	1.75	%	3.74	%
	2015	17	13.84		232		1.51	%	1.75	%	(1.98	)%
	2014	17	14.12		244		1.17	%	1.75	%	3.39	%
	2013	18	13.65		252		1.38	%	1.75	%	6.60	%
	2012	20	12.81		262		1.69	%	1.75	%	4.86	%
Touchstone GMAB Conservative ETF (Pinnacle IV )
	2016	38	14.02		538		1.43	%	2.05	%	3.42	%
	2015	41	13.56		561		1.48	%	2.05	%	(2.28	)%
	2014	44	13.87		606		1.18	%	2.05	%	3.07	%
	2013	44	13.46		595		1.42	%	2.05	%	6.28	%
	2012	46	12.67		583		1.62	%	2.05	%	4.54	%
Touchstone GMAB Conservative ETF (Pinnacle V )
	2016	38	13.91		530		1.49	%	2.15	%	3.31	%
	2015	39	13.46		527		1.46	%	2.15	%	(2.38	)%
	2014	43	13.79		587		1.15	%	2.15	%	2.97	%
	2013	44	13.40		590		1.44	%	2.15	%	6.17	%
	2012	45	12.62		565		1.74	%	2.15	%	4.43	%
Touchstone GMAB Moderate ETF (AnnuiChoice II )
	2016	2	17.49		32		1.71	%	1.75	%	4.98	%
	2015	2	16.66		31		1.91	%	1.75	%	(1.93	)%
	2014	2	16.99		31		1.67	%	1.75	%	5.09	%
	2013	2	16.17		30		1.94	%	1.75	%	14.29	%
	2012	2	14.15		26		2.04	%	1.75	%	8.01	%
Touchstone GMAB Moderate ETF (Pinnacle IV )
	2016	31	17.09		536		1.50	%	2.05	%	4.66	%
	2015	42	16.32		688		1.79	%	2.05	%	(2.23	)%
	2014	56	16.70		933		1.56	%	2.05	%	4.77	%
	2013	66	15.94		1,055		1.88	%	2.05	%	13.94	%
	2012	72	13.99		1,008		1.85	%	2.05	%	7.68	%
Touchstone GMAB Moderate ETF(Pinnacle V )
	2016	32	16.95		549		1.75	%	2.15	%	4.56	%
	2015	31	16.21		498		1.52	%	2.15	%	(2.33	)%
	2014	40	16.60		666		1.39	%	2.15	%	4.66	%
	2013	57	15.86		910		1.82	%	2.15	%	13.82	%
	2012	65	13.93		908		1.72	%	2.15	%	7.57	%
Touchstone Large Cap Core Equity (AdvantEdge )
	2016	26	15.52		411		0.71	%	1.60	%	7.10	%
	2015	41	14.49		590		1.55	%	1.60	%	(5.55	)%
	2014	43	15.34		659		1.01	%	1.60	%	13.09	%
	2013	47	13.56		635		1.34	%	1.6	%	29.42	%
	2012	62	10.48		648		1.69	%	1.6	%	10.27	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Large Cap Core Equity (AnnuiChoice II )
	2016	39	$	16.92	$	652	0.86	%	1.15	%	7.59	%
	2015	38	15.73		591		1.67	%	1.15	%	(5.12	)%
	2014	34	16.57		557		0.97	%	1.15	%	13.61	%
	2013	40	14.59		582		1.67	%	1.15	%	30.01	%
	2012	32	11.22		358		1.73	%	1.15	%	10.78	%
Touchstone Large Cap Core Equity (AnnuiChoice )
	2016	21	18.37		391		0.86	%	1.00	%	7.75	%
	2015	26	17.05		440		1.40	%	1.00	%	(4.97	)%
	2014	32	17.94		575		0.99	%	1.00	%	13.78	%
	2013	37	15.77		584		1.33	%	1.00	%	30.21	%
	2012	51	12.11		620		1.56	%	1.00	%	10.95	%
Touchstone Large Cap Core Equity (GrandMaster flex3 )
	2016	5	18.28		96		0.77	%	1.55	%	7.15	%
	2015	8	17.06		131		1.57	%	1.55	%	(5.50	)%
	2014	7	18.06		120		0.94	%	1.55	%	13.15	%
	2013	8	15.96		127		1.09	%	1.55	%	29.48	%
	2012	15	12.33		188		1.16	%	1.55	%	10.33	%
Touchstone Large Cap Core Equity (Grandmaster )
	2016	5	19.12		100		0.94	%	1.35	%	7.37	%
	2015	5	17.81		88		1.32	%	1.35	%	(5.31	)%
	2014	9	18.81		168		1.36	%	1.35	%	13.38	%
	2013	4	16.59		71		1.36	%	1.35	%	29.75	%
	2012	5	12.78		70		1.79	%	1.35	%	10.55	%
Touchstone Large Cap Core Equity (IQ Annuity )
	2016	18	17.49		318		0.84	%	1.45	%	7.26	%
	2015	20	16.30		330		1.56	%	1.45	%	(5.40	)%
	2014	21	17.23		365		0.95	%	1.45	%	13.26	%
	2013	26	15.22		395		1.39	%	1.45	%	29.61	%
	2012	32	11.74		371		1.49	%	1.45	%	10.44	%
Touchstone Large Cap Core Equity (Pinnacle )
	2016	249	19.93		4,971		0.78	%	1.35	%	7.37	%
	2015	307	18.56		5,704		1.46	%	1.35	%	(5.31	)%
	2014	356	19.60		6,975		0.97	%	1.35	%	13.38	%
	2013	415	17.29		7,172		1.45	%	1.35	%	29.75	%
	2012	467	13.32		6,227		1.51	%	1.35	%	10.55	%
Touchstone Large Cap Core Equity (Pinnacle IV )
	2016	76	19.63		1,485		1.23	%	1.45	%	7.26	%
	2015	65	18.30		1,193		0.61	%	1.45	%	(5.40	)%
	2014	215	19.35		4,158		1.05	%	1.45	%	13.26	%
	2013	210	17.08		3,586		1.30	%	1.45	%	29.61	%
	2012	272	13.18		3,592		1.68	%	1.45	%	10.44	%
Touchstone Large Cap Core Equity (Pinnacle II Reduced M&E )
	2016	20	20.17		413		0.88	%	1.10	%	7.64	%
	2015	20	18.74		383		1.44	%	1.10	%	(5.07	)%
	2014	23	19.74		461		1.01	%	1.10	%	13.66	%
	2013	25	17.37		439		1.63	%	1.10	%	30.07	%
	2012	22	13.35		290		3.19	%	1.10	%	2.38	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Large Cap Core Equity (Pinnacle Plus Reduced M&E )
	2016	14	$	17.85	$	242	0.90	%	1.15	%	7.59	%
	2015	12	16.59		195		1.52	%	1.15	%	(5.12	)%
	2014	15	17.48		259		1.24	%	1.15	%	74.85	%
Touchstone Large Cap Core Equity (Pinnacle Plus )
	2016	4	20.00		80		0.39	%	1.67	%	7.02	%
	2015	11	18.69		208		1.50	%	1.67	%	(5.61	)%
	2014	13	19.80		248		1.18	%	1.67	%	13.01	%
	2013	20	17.52		358		1.33	%	1.67	%	29.33	%
	2012	27	13.55		370		1.59	%	1.67	%	10.19	%
Touchstone Large Cap Core Equity (PinnacleV )
	2016	706	13.54		9,551		1.22	%	1.55	%	7.15	%
	2015	512	12.63		6,473		1.16	%	1.55	%	(5.50	)%
	2014	809	13.37		10,811		1.23	%	1.55	%	13.15	%
	2013	621	11.81		7,334		1.33	%	1.55	%	29.48	%
	2012	719	9.12		6,560		1.91	%	1.55	%	10.33	%
Touchstone Focused (AdvantEdge )
	2016	25	17.88		442		—	%	1.60	%	11.30	%
	2015	32	16.07		516		—	%	1.60	%	0.34	%
	2014	2	16.01		32		—	%	1.60	%	11.29	%
	2013	6	14.39		84		—	%	1.60	%	32.66	%
	2012	3	10.85		34		—	%	1.60	%	18.01	%
Touchstone Focused (AnnuiChoice II )
	2016	119	21.03		2,493		—	%	1.15	%	11.81	%
	2015	139	18.81		2,616		—	%	1.15	%	0.80	%
	2014	84	18.66		1,569		—	%	1.15	%	11.80	%
	2013	88	16.69		1,475		—	%	1.15	%	33.26	%
	2012	95	12.53		1,187		—	%	1.15	%	18.55	%
Touchstone Focused (AnnuiChoice )
	2016	85	31.36		2,657		—	%	1.00	%	11.98	%
	2015	96	28.00		2,700		—	%	1.00	%	0.95	%
	2014	60	27.74		1,663		—	%	1.00	%	11.97	%
	2013	69	24.77		1,698		—	%	1.00	%	33.47	%
	2012	87	18.56		1,622		—	%	1.00	%	18.73	%
Touchstone Focused (GrandMaster flex3 )
	2016	33	29.60		986		—	%	1.55	%	11.36	%
	2015	44	26.58		1,161		—	%	1.55	%	0.39	%
	2014	16	26.48		419		—	%	1.55	%	11.35	%
	2013	9	23.78		214		—	%	1.55	%	32.73	%
	2012	29	17.92		524		—	%	1.55	%	18.07	%
Touchstone Focused (Grandmaster )
	2016	23	26.67		605		—	%	1.35	%	11.59	%
	2015	37	23.90		881		—	%	1.35	%	0.60	%
	2014	6	23.76		139		—	%	1.35	%	11.57	%
	2013	8	21.29		168		—	%	1.35	%	32.99	%
	2012	8	16.01		134		—	%	1.35	%	18.31	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Focused (IQ Advisor Standard )
	2016	4	$	29.52	$	113	—	%	0.60	%	12.43	%
	2015	2	26.26		45		—	%	0.60	%	1.36	%
	2014	*-	25.90		7		0.02	%	0.60	%	12.42	%
	2013	*-	23.04		6		—	%	0.60	%	34.00	%
	2012	*-	17.20		5		—	%	0.60	%	19.21	%
Touchstone Focused (IQ Annuity )
	2016	160	30.38		4,865		—	%	1.45	%	11.47	%
	2015	174	27.26		4,743		—	%	1.45	%	0.49	%
	2014	35	27.12		945		—	%	1.45	%	11.46	%
	2013	40	24.33		978		—	%	1.45	%	32.86	%
	2012	39	18.31		706		—	%	1.45	%	18.19	%
Touchstone Focused (Pinnacle )
	2016	153	30.59		4,689		—	%	1.35	%	11.59	%
	2015	187	27.42		5,127		—	%	1.35	%	0.60	%
	2014	25	27.25		695		—	%	1.35	%	11.57	%
	2013	26	24.43		628		—	%	1.35	%	32.99	%
	2012	31	18.37		576		—	%	1.35	%	18.31	%
Touchstone Focused (Pinnacle IV )
	2016	108	30.14		3,250		—	%	1.45	%	11.47	%
	2015	132	27.04		3,561		—	%	1.45	%	0.49	%
	2014	57	26.91		1,527		—	%	1.45	%	11.46	%
	2013	84	24.14		2,029		—	%	1.45	%	32.86	%
	2012	86	18.17		1,555		—	%	1.45	%	18.19	%
Touchstone Focused (Pinnacle II Reduced M&E )
	2016	19	30.97		596		—	%	1.10	%	11.87	%
	2015	19	27.69		533		—	%	1.10	%	0.85	%
	2014	*-	27.45		9		—	%	1.10	%	11.85	%
	2013	*-	24.54		8		—	%	1.10	%	33.33	%
	2012	*-	18.41		6		—	%	1.10	%	3.03	%
Touchstone Focused (Pinnacle Plus Reduced M&E )
	2016	38	18.90		716		—	%	1.15	%	11.81	%
	2015	38	16.91		641		—	%	1.15	%	0.80	%
	2014	13	16.77		221		—	%	1.15	%	11.80	%
	2013	2	15.00		37		—	%	1.15	%	33.26	%
Touchstone Focused (Pinnacle Plus )
	2016	6	30.43		193		—	%	1.67	%	11.22	%
	2015	23	27.36		636		—	%	1.67	%	0.27	%
	2014	8	27.28		225		—	%	1.67	%	11.21	%
	2013	14	24.53		350		—	%	1.67	%	32.56	%
	2012	20	18.51		362		—	%	1.67	%	17.92	%
Touchstone Focused (PinnacleV )
	2016	486	16.86		8,195		—	%	1.55	%	11.36	%
	2015	456	15.14		6,905		—	%	1.55	%	0.39	%
	2014	196	15.08		2,964		—	%	1.55	%	11.35	%
	2013	183	13.55		2,478		—	%	1.55	%	32.73	%
	2012	143	10.21		1,459		—	%	1.55	%	18.07	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Moderate ETF (AdvantEdge )
	2016	16	$	13.97	$	223	0.76	%	1.60	%	5.14	%
	2015	42	13.29		558		1.79	%	1.60	%	(1.78	)%
	2014	59	13.53		796		1.27	%	1.60	%	5.25	%
	2013	86	12.86		1,106		1.92	%	1.60	%	14.46	%
	2012	89	11.23		999		2.04	%	1.60	%	8.18	%
Touchstone Moderate ETF (AnnuiChoice II )
	2016	160	14.27		2,276		1.67	%	1.15	%	5.62	%
	2015	165	13.51		2,230		1.99	%	1.15	%	(1.33	)%
	2014	163	13.69		2,231		1.57	%	1.15	%	5.73	%
	2013	180	12.95		2,332		1.88	%	1.15	%	14.98	%
	2012	194	11.26		2,183		1.96	%	1.15	%	8.67	%
Touchstone Moderate ETF (AnnuiChoice )
	2016	106	17.06		1,804		1.67	%	1.00	%	5.78	%
	2015	112	16.13		1,800		1.75	%	1.00	%	(1.18	)%
	2014	131	16.32		2,133		1.47	%	1.00	%	5.89	%
	2013	163	15.42		2,508		1.63	%	1.00	%	15.16	%
	2012	232	13.39		3,103		1.86	%	1.00	%	8.84	%
Touchstone Moderate ETF (GrandMaster flex3 )
	2016	51	15.95		806		1.27	%	1.55	%	5.20	%
	2015	88	15.16		1,333		1.76	%	1.55	%	(1.73	)%
	2014	111	15.43		1,719		1.59	%	1.55	%	5.30	%
	2013	125	14.65		1,824		1.91	%	1.55	%	14.52	%
	2012	129	12.79		1,649		1.68	%	1.55	%	8.23	%
Touchstone Moderate ETF (Grandmaster )
	2016	8	16.35		136		1.72	%	1.35	%	5.41	%
	2015	8	15.51		127		1.66	%	1.35	%	(1.53	)%
	2014	10	15.75		156		1.40	%	1.35	%	5.51	%
	2013	16	14.93		236		2.25	%	1.35	%	14.75	%
	2012	11	13.01		147		1.79	%	1.35	%	8.45	%
Touchstone Moderate ETF (IQ Advisor Enhanced )
	2016	2	18.26		40		1.72	%	0.80	%	6.00	%
	2015	2	17.22		38		1.92	%	0.80	%	(0.98	)%
	2014	2	17.39		38		1.63	%	0.80	%	6.10	%
	2013	3	16.39		48		1.95	%	0.80	%	15.39	%
	2012	3	14.21		42		2.05	%	0.80	%	9.06	%
Touchstone Moderate ETF (IQ Advisor Standard )
	2016	8	18.72		141		1.72	%	0.60	%	6.21	%
	2015	8	17.63		133		2.62	%	0.60	%	(0.78	)%
	2014	5	17.76		93		1.68	%	0.60	%	6.32	%
	2013	5	16.71		87		1.47	%	0.60	%	15.62	%
	2012	9	14.45		129		2.02	%	0.60	%	9.28	%
Touchstone Moderate ETF (IQ Annuity )
	2016	86	16.15		1,381		1.65	%	1.45	%	5.30	%
	2015	95	15.33		1,459		1.87	%	1.45	%	(1.63	)%
	2014	101	15.59		1,581		1.34	%	1.45	%	5.41	%
	2013	134	14.79		1,986		1.85	%	1.45	%	14.64	%
	2012	149	12.90		1,923		1.95	%	1.45	%	8.34	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Affiliated (continued):
Touchstone Moderate ETF (Pinnacle )
	2016	16	$	16.35	$	270	1.49	%	1.35	%	5.41	%
	2015	21	15.51		325		1.73	%	1.35	%	(1.53	)%
	2014	24	15.75		373		1.43	%	1.35	%	5.51	%
	2013	33	14.93		499		1.83	%	1.35	%	14.75	%
	2012	38	13.01		495		1.80	%	1.35	%	8.45	%
Touchstone Moderate ETF (Pinnacle IV )
	2016	68	16.15		1,090		1.65	%	1.45	%	5.30	%
	2015	76	15.33		1,164		1.74	%	1.45	%	(1.63	)%
	2014	95	15.59		1,481		1.20	%	1.45	%	5.41	%
	2013	236	14.79		3,492		1.84	%	1.45	%	14.64	%
	2012	266	12.90		3,437		1.91	%	1.45	%	8.34	%
Touchstone Moderate ETF (Pinnacle Plus Reduced M&E )
	2016	1	14.23		15		2.59	%	1.15	%	5.62	%
	2015	*-	13.47		6		1.47	%	1.15	%	(1.33	)%
	2014	1	13.65		9		3.26	%	1.15	%	36.51	%
Touchstone Moderate ETF (Pinnacle Plus )
	2016	15	15.72		235		1.63	%	1.67	%	5.07	%
	2015	17	14.96		247		1.87	%	1.67	%	(1.85	)%
	2014	18	15.24		272		1.44	%	1.67	%	5.17	%
	2013	27	14.49		395		1.81	%	1.67	%	14.38	%
	2012	32	12.67		402		1.75	%	1.67	%	8.10	%

Touchstone Moderate ETF (Pinnacle V )
	2016	231	13.77		3,176		1.77	%	1.55	%	5.20	%
	2015	248	13.09		3,250		1.66	%	1.55	%	(1.73	)%
	2014	261	13.32		3,483		1.49	%	1.55	%	5.30	%
	2013	317	12.65		4,017		1.84	%	1.55	%	14.52	%
	2012	357	11.05		3,942		2.01	%	1.55	%	8.23	%
Non-Affiliated Initial Class:
Fidelity VIP Balanced (Pinnacle )
	2016	68	15.55		1,050		1.29	%	1.35	%	5.82	%
	2015	78	14.69		1,143		1.47	%	1.35	%	(0.77	)%
	2014	86	14.80		1,279		1.40	%	1.35	%	8.77	%
	2013	108	13.61		1,463		3.39	%	1.35	%	18.05	%
	2012	135	11.53		1,558		1.58	%	1.35	%	13.51	%
Fidelity VIP Balanced (Pinnacle II Reduced M&E )
	2016	*-	15.74		7		1.36	%	1.10	%	6.08	%
	2015	*-	14.84		7		1.53	%	1.10	%	(0.51	)%
	2014	*-	14.91		7		1.52	%	1.10	%	9.05	%
	2013	*-	13.68		6		3.77	%	1.10	%	18.34	%
	2012	*-	11.56		5		3.36	%	1.10	%	3.47	%
Fidelity VIP Balanced (Grandmaster )
	2016	57	25.26		1,434		1.33	%	1.35	%	5.82	%
	2015	60	23.87		1,442		1.39	%	1.35	%	(0.77	)%
	2014	72	24.06		1,742		1.45	%	1.35	%	8.77	%
	2013	82	22.12		1,804		3.40	%	1.35	%	18.05	%
	2012	102	18.73		1,904		1.64	%	1.35	%	13.51	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

100

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Initial Class (continued):
Fidelity VIP Overseas (Pinnacle )
	2016	9	$	8.89	$	77	1.36	%	1.35	%	(6.34	)%
	2015	11	9.50		102		1.01	%	1.35	%	2.23	%
	2014	19	9.29		174		1.30	%	1.35	%	(9.32	)%
	2013	21	10.24		216		1.58	%	1.35	%	28.68	%
	2012	27	7.96		217		1.76	%	1.35	%	19.10	%
Fidelity VIP Overseas (Pinnacle IV )
	2016	6	8.81		53		1.23	%	1.45	%	(6.44	)%
	2015	8	9.41		71		1.34	%	1.45	%	2.12	%
	2014	8	9.22		73		1.21	%	1.45	%	(9.41	)%
	2013	12	10.17		121		1.62	%	1.45	%	28.55	%
	2012	15	7.91		115		1.57	%	1.45	%	18.98	%
Fidelity VIP Equity-Income (Grandmaster )
	2016	100	82.57		8,227		2.22	%	1.35	%	16.43	%
	2015	111	70.92		7,871		2.97	%	1.35	%	(5.26	)%
	2014	131	74.86		9,786		2.76	%	1.35	%	7.25	%
	2013	148	69.80		10,321		4.68	%	1.35	%	26.42	%
	2012	164	55.21		9,035		3.06	%	1.35	%	15.72	%
Fidelity VIP Equity-Income (Pinnacle )
	2016	77	23.84		1,848		2.17	%	1.35	%	16.43	%
	2015	94	20.48		1,932		3.04	%	1.35	%	(5.26	)%
	2014	111	21.62		2,400		2.64	%	1.35	%	7.25	%
	2013	134	20.15		2,701		4.59	%	1.35	%	26.42	%
	2012	155	15.94		2,474		3.00	%	1.35	%	15.72	%
Fidelity VIP Growth (Grandmaster )
	2016	61	98.15		5,965		0.04	%	1.35	%	(0.56	)%
	2015	67	98.70		6,613		0.25	%	1.35	%	5.73	%
	2014	78	93.35		7,265		0.18	%	1.35	%	9.80	%
	2013	87	85.02		7,397		0.34	%	1.35	%	34.50	%
	2012	103	63.22		6,526		0.60	%	1.35	%	13.13	%
Fidelity VIP High Income (Grandmaster )
	2016	48	27.68		1,324		5.08	%	1.35	%	13.06	%
	2015	58	24.48		1,409		6.45	%	1.35	%	(4.93	)%
	2014	44	25.75		1,138		3.29	%	1.35	%	(0.21	)%
	2013	100	25.80		2,574		5.18	%	1.35	%	4.52	%
	2012	128	24.69		3,171		5.93	%	1.35	%	12.68	%
Fidelity VIP II Asset Manager (Grandmaster )
	2016	69	50.02		3,456		1.38	%	1.35	%	1.68	%
	2015	80	49.19		3,943		1.42	%	1.35	%	(1.21	)%
	2014	100	49.79		4,955		1.32	%	1.35	%	4.41	%
	2013	129	47.69		6,158		1.73	%	1.35	%	14.15	%
	2012	151	41.78		6,303		1.51	%	1.35	%	10.96	%
Fidelity VIP II Contrafund (Grandmaster )
	2016	129	69.26		8,940		0.76	%	1.35	%	6.55	%
	2015	155	65.01		10,074		0.93	%	1.35	%	(0.69	)%
	2014	189	65.46		12,400		0.95	%	1.35	%	10.43	%
	2013	209	59.27		12,394		1.08	%	1.35	%	29.52	%
	2012	234	45.76		10,690		1.33	%	1.35	%	14.84	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

101

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Initial Class (continued):
Fidelity VIP II Contrafund (Pinnacle )
	2016	149	$	34.06	$	5,075	0.78	%	1.35	%	6.55	%
	2015	176	31.97		5,626		1.01	%	1.35	%	(0.69	)%
	2014	200	32.19		6,442		0.91	%	1.35	%	10.43	%
	2013	237	29.15		6,919		1.08	%	1.35	%	29.52	%
	2012	264	22.51		5,932		1.27	%	1.35	%	14.84	%
Fidelity VIP II Contrafund (Pinnacle II Reduced M&E )
	2016	1	34.49		29		0.78	%	1.10	%	6.82	%
	2015	1	32.29		38		1.05	%	1.10	%	(0.44	)%
	2014	1	32.43		41		0.87	%	1.10	%	10.71	%
	2013	3	29.29		81		1.13	%	1.10	%	29.84	%
	2012	3	22.56		62		2.65	%	1.10	%	4.99	%
Fidelity VIP II Index 500 (Grandmaster )
	2016	60	55.95		3,383		1.40	%	1.35	%	10.35	%
	2015	70	50.71		3,552		1.77	%	1.35	%	(0.03	)%
	2014	90	50.72		4,568		1.48	%	1.35	%	12.04	%
	2013	111	45.27		5,005		2.14	%	1.35	%	30.46	%
	2012	119	34.70		4,127		2.07	%	1.35	%	14.34	%
Fidelity VIP II Index 500 (IQ Annuity )
	2016	10	18.37		190		1.49	%	1.45	%	10.24	%
	2015	11	16.66		176		1.52	%	1.45	%	(0.13	)%
	2014	17	16.69		280		1.45	%	1.45	%	11.92	%
	2013	26	14.91		390		2.18	%	1.45	%	30.33	%
	2012	27	11.44		307		2.12	%	1.45	%	14.23	%
Fidelity VIP II Index 500 (Pinnacle )
	2016	133	16.13		2,144		1.35	%	1.35	%	10.35	%
	2015	167	14.61		2,437		1.90	%	1.35	%	(0.03	)%
	2014	186	14.62		2,715		1.57	%	1.35	%	12.04	%
	2013	213	13.05		2,780		2.07	%	1.35	%	30.46	%
	2012	259	10.00		2,589		2.05	%	1.35	%	14.34	%
Fidelity VIP II Index 500 (Pinnacle IV )
	2016	10	15.97		163		1.46	%	1.45	%	10.24	%
	2015	11	14.49		154		1.93	%	1.45	%	(0.13	)%
	2014	12	14.50		175		1.52	%	1.45	%	11.93	%
	2013	14	12.96		188		2.02	%	1.45	%	30.33	%
	2012	18	9.94		177		1.74	%	1.45	%	14.23	%
Fidelity VIP II Investment Grade Bond (Pinnacle )
	2016	83	13.35		1,108		2.30	%	1.35	%	3.33	%
	2015	110	12.92		1,425		2.45	%	1.35	%	(1.94	)%
	2014	126	13.18		1,658		2.13	%	1.35	%	4.40	%
	2013	135	12.62		1,702		2.37	%	1.35	%	(3.10	)%
	2012	152	13.03		1,974		2.04	%	1.35	%	4.46	%
Fidelity VIP II Investment Grade Bond (Pinnacle IV )
	2016	26	13.22		337		2.24	%	1.45	%	3.22	%
	2015	30	12.81		388		1.93	%	1.45	%	(2.04	)%
	2014	55	13.08		717		2.07	%	1.45	%	4.29	%
	2013	64	12.54		796		2.24	%	1.45	%	(3.20	)%
	2012	76	12.95		988		2.09	%	1.45	%	4.36	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

102

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Initial Class (continued):
Fidelity VIP II Investment Grade Bond (Pinnacle II Reduced M&E )
	2016	3	$	13.52	$	44	2.37	%	1.10	%	3.59	%
	2015	3	13.05		42		2.61	%	1.10	%	(1.69	)%
	2014	3	13.27		43		2.13	%	1.10	%	4.66	%
	2013	3	12.68		44		0.73	%	1.10	%	(2.86	)%
	2012	20	13.06		261		4.62	%	1.10	%	3.82	%
Fidelity VIP II Investment Grade Bond (AnnuiChoice )
	2016	24	13.82		334		2.35	%	1.00	%	3.69	%
	2015	25	13.33		332		2.59	%	1.00	%	(1.59	)%
	2014	26	13.54		349		2.19	%	1.00	%	4.77	%
	2013	27	12.92		344		2.38	%	1.00	%	(2.76	)%
	2012	29	13.29		380		2.28	%	1.00	%	4.83	%
Fidelity VIP II Investment Grade Bond (AnnuiChoice II )
	2016	4	13.62		50		2.33	%	1.15	%	3.54	%
	2015	4	13.15		50		2.57	%	1.15	%	(1.74	)%
	2014	4	13.38		53		2.18	%	1.15	%	4.61	%
	2013	4	12.79		52		2.47	%	1.15	%	(2.91	)%
	2012	4	13.18		53		2.36	%	1.15	%	4.68	%
Fidelity VIP II Investment Grade Bond (Grandmaster flex3 )
	2016	7	13.09		97		2.00	%	1.55	%	3.12	%
	2015	10	12.70		131		2.56	%	1.55	%	(2.13	)%
	2014	11	12.97		139		1.94	%	1.55	%	4.19	%
	2013	16	12.45		194		2.37	%	1.55	%	(3.30	)%
	2012	17	12.88		216		2.13	%	1.55	%	4.25	%
Fidelity VIP II Investment Grade Bond (Grandmaster )
	2016	46	40.08		1,825		2.29	%	1.35	%	3.33	%
	2015	49	38.79		1,891		2.42	%	1.35	%	(1.94	)%
	2014	58	39.55		2,278		2.12	%	1.35	%	4.40	%
	2013	62	37.89		2,367		2.36	%	1.35	%	(3.10	)%
	2012	68	39.10		2,664		2.18	%	1.35	%	4.46	%
Fidelity VIP II Investment Grade Bond (IQ Annuity )
	2016	14	18.83		271		2.32	%	1.45	%	3.22	%
	2015	15	18.25		273		2.15	%	1.45	%	(2.04	)%
	2014	20	18.62		370		1.47	%	1.45	%	4.29	%
	2013	53	17.86		950		2.36	%	1.45	%	(3.20	)%
	2012	58	18.45		1,067		2.32	%	1.45	%	4.36	%
Fidelity VIP II Investment Grade Bond (Pinnacle Plus Reduced M&E )
	2016	2	11.30		20		2.06	%	1.15	%	3.54	%
	2015	3	10.91		28		2.50	%	1.15	%	(1.74	)%
	2014	3	11.10		33		2.63	%	1.15	%	4.61	%
	2013	2	10.61		20		1.07	%	1.15	%	(2.91	)%
Fidelity VIP Government Money Market (Pinnacle )
	2016	108	9.80		1,053		0.20	%	1.35	%	(1.15	)%
	2015	125	9.91		1,238		0.02	%	1.35	%	(0.91	)%
Fidelity VIP Government Money Market (Pinnacle II Reduced M&E )
	2016	2	9.84		23		0.20	%	1.10	%	(0.90	)%
	2015	2	9.93		24		0.02	%	1.10	%	(0.74	)%
Fidelity VIP Government Money Market (Pinnacle IV )
	2016	114	9.78		1,117		0.20	%	1.45	%	(1.25	)%
	2015	207	9.90		2,052		0.02	%	1.45	%	(0.98	)%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

103

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Initial Class (continued):
Fidelity VIP Government Money Market (Pinnacle V )
	2016	476	$	9.76	$	4,646	0.20	%	1.55	%	(1.35	)%
	2015	1,044	9.89		10,327		0.02	%	1.55	%	(1.05	)%
Fidelity VIP Government Money Market (Pinnacle Plus )
	2016	1	9.74		7		0.18	%	1.67	%	(1.47	)%
	2015	50	9.89		491		0.02	%	1.67	%	(1.13	)%
Fidelity VIP Government Money Market (Pinnacle Plus Reduced M&E )
	2016	23	9.83		225		0.24	%	1.15	%	(0.95	)%
	2015	2	9.92		16		0.01	%	1.15	%	(0.77	)%
Fidelity VIP Government Money Market (Grandmaster )
	2016	150	9.80		1,473		0.20	%	1.35	%	(1.15	)%
	2015	220	9.91		2,176		0.02	%	1.35	%	(0.91	)%
Fidelity VIP Government Money Market (Grandmaster flex3 )
	2016	68	9.76		661		0.20	%	1.55	%	(1.35	)%
	2015	76	9.89		751		0.02	%	1.55	%	(1.05	)%
Fidelity VIP Government Money Market (AdvantEdge )
	2016	56	9.75		544		0.19	%	1.60	%	(1.40	)%
	2015	154	9.89		1,519		0.02	%	1.60	%	(1.09	)%
Fidelity VIP Government Money Market (AnnuiChoice )
	2016	51	9.85		501		0.20	%	1.00	%	(0.80	)%
	2015	62	9.93		619		0.02	%	1.00	%	(0.67	)%
Fidelity VIP Government Money Market (AnnuiChoice II )
	2016	93	9.83		916		0.20	%	1.15	%	(0.95	)%
	2015	82	9.92		814		0.02	%	1.15	%	(0.77	)%
Fidelity VIP Government Money Market (IQ Annuity )
	2016	20	9.78		192		0.20	%	1.45	%	(1.25	)%
	2015	19	9.90		192		0.02	%	1.45	%	(0.98	)%
Fidelity VIP Government Money Market (IQ3 )
	2016	186	9.78		1,822		0.20	%	1.45	%	(1.25	)%
	2015	275	9.90		2,720		0.02	%	1.45	%	(0.98	)%
Fidelity VIP Government Money Market (IQ Advisor Standard )
	2016	6	9.92		57		0.18	%	0.60	%	(0.40	)%
	2015	25	9.96		246		0.02	%	0.60	%	(0.39	)%
Fidelity VIP Government Money Market (Varoom GLWB 2)
	2016	*-	9.94		5		0.08	%	1.15	%	(0.65	)%
Fidelity VIP Government Money Market (Varoom GLWB 3)
	2016	14	9.95		144		0.07	%	1.45	%	(0.46	)%
Fidelity VIP Government Money Market (Varoom GLWB 5)
	2016	18	9.93		177		0.07	%	1.45	%	(0.70	)%
Fidelity VIP Overseas (AnnuiChoice )
	2016	10	9.20		88		1.45	%	1.00	%	(6.01	)%
	2015	10	9.79		100		1.26	%	1.00	%	2.59	%
	2014	13	9.54		120		1.36	%	1.00	%	(9.00	)%
	2013	13	10.49		133		1.72	%	1.00	%	29.13	%
	2012	14	8.12		110		1.76	%	1.00	%	19.53	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

104

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Initial Class (continued):
Fidelity VIP Overseas (AnnuiChoice II )
	2016	3	$	9.07	$	23	1.41	%	1.15	%	(6.15	)%
	2015	3	9.66		26		1.32	%	1.15	%	2.43	%
	2014	3	9.43		27		1.03	%	1.15	%	(9.13	)%
	2013	6	10.38		64		1.72	%	1.15	%	28.94	%
	2012	7	8.05		58		2.00	%	1.15	%	19.35	%
Fidelity VIP Overseas (Grandmaster flex3 )
	2016	*-	8.72		1		1.27	%	1.55	%	(6.53	)%
	2015	*-	9.33		1		1.33	%	1.55	%	2.02	%
	2014	*-	9.14		1		0.68	%	1.55	%	(9.50	)%
	2013	*-	10.10		3		1.75	%	1.55	%	28.42	%
	2012	*-	7.87		2		1.99	%	1.55	%	18.86	%
Fidelity VIP Overseas (Grandmaster )
	2016	51	31.85		1,627		1.43	%	1.35	%	(6.34	)%
	2015	53	34.01		1,819		1.31	%	1.35	%	2.23	%
	2014	58	33.27		1,933		1.22	%	1.35	%	(9.32	)%
	2013	73	36.69		2,676		1.65	%	1.35	%	28.68	%
	2012	85	28.51		2,430		1.90	%	1.35	%	19.10	%
Fidelity VIP Overseas (IQ Annuity )
	2016	2	8.81		17		1.37	%	1.45	%	(6.44	)%
	2015	2	9.41		23		1.36	%	1.45	%	2.12	%
	2014	3	9.22		23		1.36	%	1.45	%	(9.41	)%
	2013	3	10.17		26		1.77	%	1.45	%	28.55	%
	2012	3	7.91		20		2.02	%	1.45	%	18.98	%
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )
	2016	2	11.42		22		1.47	%	1.15	%	(6.15	)%
	2015	2	12.17		24		1.34	%	1.15	%	2.43	%
Non-Affiliated Service Class:
Fidelity VIP Equity-Income (IQ Annuity )
	2016	18	19.31		338		2.24	%	1.45	%	16.19	%
	2015	18	16.62		306		3.06	%	1.45	%	(5.48	)%
	2014	19	17.58		338		2.70	%	1.45	%	7.07	%
	2013	22	16.42		361		4.39	%	1.45	%	26.16	%
	2012	27	13.02		346		2.93	%	1.45	%	15.48	%
Fidelity VIP Growth (IQ Annuity )
	2016	14	15.65		221		—	%	1.45	%	(0.75	)%
	2015	15	15.77		236		0.13	%	1.45	%	5.50	%
	2014	21	14.95		307		0.08	%	1.45	%	9.58	%
	2013	31	13.64		422		0.26	%	1.45	%	34.23	%
	2012	32	10.16		327		0.49	%	1.45	%	12.88	%
Fidelity VIP Growth (Pinnacle )
	2016	26	15.78		405		—	%	1.35	%	(0.65	)%
	2015	27	15.88		433		0.16	%	1.35	%	5.61	%
	2014	31	15.04		461		0.08	%	1.35	%	9.69	%
	2013	41	13.71		569		0.25	%	1.35	%	34.37	%
	2012	49	10.20		500		0.45	%	1.35	%	12.99	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

105

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class (continued):
Fidelity VIP Growth (Pinnacle II Reduced M&E )
	2016	*-	$	15.97	$	2	—	%	1.10	%	(0.39	)%
	2015	*-	16.04		2		0.20	%	1.10	%	5.88	%
	2014	*-	15.15		2		0.11	%	1.10	%	9.97	%
	2013	*-	13.77		2		0.26	%	1.10	%	34.71	%
	2012	*-	10.23		1		1.05	%	1.10	%	2.12	%
Fidelity VIP High Income (IQ Annuity )
	2016	18	15.35		282		6.35	%	1.45	%	12.72	%
	2015	15	13.62		205		6.97	%	1.45	%	(5.15	)%
	2014	9	14.36		123		2.30	%	1.45	%	(0.39	)%
	2013	23	14.42		325		5.09	%	1.45	%	4.34	%
	2012	30	13.82		408		5.32	%	1.45	%	12.53	%
Fidelity VIP II Asset Manager (IQ Annuity )
	2016	1	15.63		14		1.43	%	1.45	%	1.52	%
	2015	1	15.40		14		1.47	%	1.45	%	(1.42	)%
	2014	1	15.62		14		1.40	%	1.45	%	4.15	%
	2013	1	15.00		14		0.47	%	1.45	%	13.86	%
	2012	7	13.17		93		1.45	%	1.45	%	10.79	%
Fidelity VIP II Contrafund (IQ Annuity )
	2016	38	25.16		948		0.71	%	1.45	%	6.35	%
	2015	46	23.66		1,099		0.94	%	1.45	%	(0.90	)%
	2014	40	23.87		963		0.85	%	1.45	%	10.20	%
	2013	46	21.66		995		1.04	%	1.45	%	29.25	%
	2012	45	16.76		758		1.24	%	1.45	%	14.61	%
Fidelity VIP III Balanced (IQ Annuity )
	2016	7	18.10		125		1.28	%	1.45	%	5.61	%
	2015	7	17.14		120		1.42	%	1.45	%	(0.95	)%
	2014	8	17.31		134		1.35	%	1.45	%	8.50	%
	2013	9	15.95		136		3.53	%	1.45	%	17.77	%
	2012	9	13.54		123		1.54	%	1.45	%	13.28	%
Fidelity VIP III Mid Cap (Grandmaster )
	2016	11	57.29		649		0.36	%	1.35	%	10.60	%
	2015	16	51.80		839		0.33	%	1.35	%	(2.83	)%
	2014	23	53.30		1,230		0.16	%	1.35	%	4.76	%
	2013	26	50.88		1,333		4.95	%	1.35	%	34.23	%
	2012	35	37.91		1,314		0.51	%	1.35	%	13.19	%
Fidelity VIP III Mid Cap (IQ Annuity )
	2016	13	59.21		790		0.43	%	1.45	%	10.49	%
	2015	14	53.59		765		0.40	%	1.45	%	(2.93	)%
	2014	15	55.20		815		0.16	%	1.45	%	4.66	%
	2013	17	52.75		890		5.17	%	1.45	%	34.09	%
	2012	20	39.34		793		0.50	%	1.45	%	13.08	%
Fidelity VIP III Mid Cap (Pinnacle )
	2016	40	56.62		2,253		0.38	%	1.35	%	10.60	%
	2015	53	51.19		2,735		0.36	%	1.35	%	(2.83	)%
	2014	64	52.68		3,374		0.15	%	1.35	%	4.76	%
	2013	77	50.29		3,852		5.16	%	1.35	%	34.23	%
	2012	95	37.46		3,556		0.51	%	1.35	%	13.19	%


(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

106

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class (continued):
Fidelity VIP Overseas (IQ Annuity )
	2016	2	$	13.58	$	29	1.38	%	1.45	%	(6.50	)%
	2015	2	14.53		32		1.28	%	1.45	%	1.99	%
	2014	2	14.24		32		1.26	%	1.45	%	(9.49	)%
	2013	2	15.74		37		1.66	%	1.45	%	28.49	%
	2012	2	12.25		29		1.54	%	1.45	%	18.79	%
Non-Affiliated Service Class 2:
Fidelity VIP Asset Manager (IQ3 )
	2016	15	15.96		237		1.29	%	1.45	%	1.35	%
	2015	16	15.75		245		1.46	%	1.45	%	(1.51	)%
	2014	16	15.99		259		1.35	%	1.45	%	4.01	%
	2013	16	15.38		249		1.58	%	1.45	%	13.67	%
	2012	17	13.53		231		1.32	%	1.45	%	10.60	%
Fidelity VIP Asset Manager (AdvantEdge )
	2016	4	12.77		57		1.31	%	1.60	%	1.20	%
	2015	4	12.62		56		1.31	%	1.60	%	(1.66	)%
	2014	5	12.83		62		1.29	%	1.60	%	3.85	%
	2013	8	12.36		93		1.61	%	1.60	%	13.50	%
	2012	8	10.89		84		1.31	%	1.60	%	10.43	%
Fidelity VIP Asset Manager (AnnuiChoice II )
	2016	8	15.27		117		1.29	%	1.15	%	1.66	%
	2015	8	15.02		119		1.45	%	1.15	%	(1.21	)%
	2014	6	15.20		96		1.29	%	1.15	%	4.33	%
	2013	6	14.57		92		1.67	%	1.15	%	14.01	%
	2012	6	12.78		76		1.83	%	1.15	%	10.94	%
Fidelity VIP Asset Manager (AnnuiChoice )
	2016	13	16.66		218		1.32	%	1.00	%	1.81	%
	2015	13	16.36		215		1.24	%	1.00	%	(1.06	)%
	2014	15	16.54		252		1.31	%	1.00	%	4.48	%
	2013	16	15.83		249		1.72	%	1.00	%	14.19	%
	2012	18	13.86		247		1.16	%	1.00	%	11.11	%
Fidelity VIP Asset Manager (GrandMaster flex3 )
	2016	11	15.65		171		1.32	%	1.55	%	1.25	%
	2015	11	15.46		166		1.35	%	1.55	%	(1.61	)%
	2014	9	15.71		139		1.56	%	1.55	%	3.90	%
	2013	8	15.12		126		1.62	%	1.55	%	13.55	%
	2012	8	13.32		111		1.28	%	1.55	%	10.49	%
Fidelity VIP Asset Manager (IQ Advisor Standard )
	2016	*-	17.50		3		1.34	%	0.60	%	2.22	%
	2015	*-	17.12		3		1.39	%	0.60	%	(0.66	)%
	2014	*-	17.24		3		1.30	%	0.60	%	4.91	%
	2013	*-	16.43		3		1.99	%	0.60	%	14.65	%
	2012	*-	14.33		2		2.31	%	0.60	%	11.56	%
Fidelity VIP Asset Manager (Pinnacle )
	2016	2	16.06		28		1.31	%	1.35	%	1.45	%
	2015	2	15.83		28		1.30	%	1.35	%	(1.41	)%
	2014	2	16.06		29		1.30	%	1.35	%	4.11	%
	2013	2	15.42		28		1.66	%	1.35	%	13.78	%
	2012	2	13.55		24		0.49	%	1.35	%	10.71	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

107

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Asset Manager (Pinnacle IV )
	2016	16	$	15.86	$	249	1.32	%	1.45	%	1.35	%
	2015	16	15.64		255		1.75	%	1.45	%	(1.51	)%
	2014	11	15.88		169		1.94	%	1.45	%	4.01	%
	2013	7	15.27		115		1.54	%	1.45	%	13.67	%
	2012	8	13.44		113		1.16	%	1.45	%	10.60	%
Fidelity VIP Asset Manager (Pinnacle Plus Reduced M&E )
	2016	4	13.09		54		1.16	%	1.15	%	1.66	%
	2015	5	12.87		63		2.01	%	1.15	%	(1.21	)%
	2014	2	13.03		28		1.39	%	1.15	%	4.33	%
	2013	1	12.49		12		—	%	1.15	%	14.01	%
Fidelity VIP Asset Manager (Pinnacle Plus )
	2016	*-	16.12		6		1.24	%	1.67	%	1.12	%
	2015	1	15.94		8		0.45	%	1.67	%	(1.73	)%
	2014	3	16.22		51		1.14	%	1.67	%	3.78	%
	2013	4	15.63		66		1.56	%	1.67	%	13.41	%
	2012	6	13.78		86		1.46	%	1.67	%	10.35	%
Fidelity VIP Asset Manager (Pinnacle V )
	2016	32	13.21		420		1.31	%	1.55	%	1.25	%
	2015	32	13.05		420		1.13	%	1.55	%	(1.61	)%
	2014	49	13.26		652		1.43	%	1.55	%	3.90	%
	2013	35	12.77		441		1.71	%	1.55	%	13.55	%
	2012	31	11.24		348		1.45	%	1.55	%	10.49	%
Fidelity VIP Balanced (AdvantEdge )
	2016	14	15.27		214		1.11	%	1.60	%	5.27	%
	2015	16	14.51		236		1.25	%	1.60	%	(1.24	)%
	2014	18	14.69		267		1.21	%	1.60	%	8.26	%
	2013	22	13.57		298		3.25	%	1.60	%	17.38	%
	2012	20	11.56		231		1.66	%	1.60	%	12.98	%
Fidelity VIP Balanced (AnnuiChoice II )
	2016	52	17.10		882		1.18	%	1.15	%	5.75	%
	2015	55	16.17		888		1.59	%	1.15	%	(0.79	)%
	2014	35	16.30		568		1.24	%	1.15	%	8.75	%
	2013	39	14.98		590		3.87	%	1.15	%	17.91	%
	2012	33	12.71		420		1.63	%	1.15	%	13.49	%
Fidelity VIP Balanced (AnnuiChoice )
	2016	27	19.74		529		1.20	%	1.00	%	5.91	%
	2015	28	18.64		518		1.24	%	1.00	%	(0.64	)%
	2014	32	18.76		608		1.31	%	1.00	%	8.92	%
	2013	37	17.22		639		3.68	%	1.00	%	18.09	%
	2012	39	14.59		574		1.49	%	1.00	%	13.67	%
Fidelity VIP Balanced (GrandMaster flex3 )
	2016	13	20.46		263		1.25	%	1.55	%	5.32	%
	2015	13	19.42		254		1.24	%	1.55	%	(1.19	)%
	2014	15	19.66		285		1.23	%	1.55	%	8.31	%
	2013	17	18.15		302		3.36	%	1.55	%	17.44	%
	2012	21	15.45		317		1.65	%	1.55	%	13.03	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

108

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Balanced (Grandmaster )
	2016	33	$	19.04	$	630	1.21	%	1.35	%	5.54	%
	2015	37	18.05		673		0.92	%	1.35	%	(0.99	)%
	2014	71	18.23		1,285		1.24	%	1.35	%	8.53	%
	2013	77	16.79		1,286		3.43	%	1.35	%	17.67	%
	2012	84	14.27		1,199		1.57	%	1.35	%	13.26	%
Fidelity VIP Balanced (IQ3 )
	2016	43	18.71		807		1.14	%	1.45	%	5.43	%
	2015	47	17.74		842		1.35	%	1.45	%	(1.09	)%
	2014	48	17.94		860		1.28	%	1.45	%	8.42	%
	2013	52	16.55		863		3.60	%	1.45	%	17.55	%
	2012	53	14.08		747		1.51	%	1.45	%	13.15	%
Fidelity VIP Balanced (Pinnacle )
	2016	22	19.04		419		1.19	%	1.35	%	5.54	%
	2015	23	18.05		422		1.36	%	1.35	%	(0.99	)%
	2014	24	18.23		442		1.33	%	1.35	%	8.53	%
	2013	25	16.79		417		3.22	%	1.35	%	17.67	%
	2012	31	14.27		446		1.35	%	1.35	%	13.26	%
Fidelity VIP Balanced (Pinnacle IV )
	2016	48	20.74		1,002		1.22	%	1.45	%	5.43	%
	2015	57	19.68		1,119		1.29	%	1.45	%	(1.09	)%
	2014	62	19.89		1,234		1.26	%	1.45	%	8.42	%
	2013	69	18.35		1,270		3.45	%	1.45	%	17.55	%
	2012	81	15.61		1,259		1.46	%	1.45	%	13.15	%
Fidelity VIP Balanced (Pinnacle Plus Reduced M&E )
	2016	2	15.46		24		1.20	%	1.15	%	5.75	%
	2015	2	14.62		24		1.21	%	1.15	%	(0.79	)%
	2014	3	14.74		44		1.28	%	1.15	%	8.75	%
	2013	3	13.55		38		4.93	%	1.15	%	17.91	%
Fidelity VIP Balanced (Pinnacle Plus )
	2016	2	18.78		32		0.80	%	1.67	%	5.19	%
	2015	4	17.85		77		1.23	%	1.67	%	(1.31	)%
	2014	7	18.09		124		1.20	%	1.67	%	8.18	%
	2013	8	16.72		134		3.55	%	1.67	%	17.29	%
	2012	10	14.26		136		1.57	%	1.67	%	12.89	%
Fidelity VIP Balanced (Pinnacle V )
	2016	95	14.40		1,364		1.20	%	1.55	%	5.32	%
	2015	99	13.67		1,359		1.34	%	1.55	%	(1.19	)%
	2014	90	13.84		1,241		1.32	%	1.55	%	8.31	%
	2013	80	12.78		1,022		3.62	%	1.55	%	17.44	%
	2012	78	10.88		845		1.45	%	1.55	%	13.03	%
Fidelity VIP Contrafund (AdvantEdge )
	2016	147	15.57		2,284		0.58	%	1.60	%	6.01	%
	2015	179	14.69		2,636		0.77	%	1.60	%	(1.19	)%
	2014	215	14.86		3,197		0.69	%	1.60	%	9.87	%
	2013	257	13.53		3,475		0.90	%	1.60	%	28.86	%
	2012	246	10.50		2,578		1.15	%	1.60	%	14.27	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

109

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Contrafund (AnnuiChoice II )
	2016	219	$	18.16	$	3,972	0.59	%	1.15	%	6.49	%
	2015	239	17.05		4,077		0.80	%	1.15	%	(0.74	)%
	2014	247	17.18		4,251		0.78	%	1.15	%	10.37	%
	2013	241	15.57		3,749		0.93	%	1.15	%	29.45	%
	2012	212	12.02		2,552		1.22	%	1.15	%	14.80	%
Fidelity VIP Contrafund (AnnuiChoice )
	2016	86	25.55		2,202		0.54	%	1.00	%	6.65	%
	2015	114	23.96		2,727		0.72	%	1.00	%	(0.59	)%
	2014	133	24.10		3,216		0.69	%	1.00	%	10.54	%
	2013	165	21.80		3,600		0.85	%	1.00	%	29.64	%
	2012	184	16.82		3,100		1.11	%	1.00	%	14.97	%
Fidelity VIP Contrafund (GrandMaster flex3 )
	2016	58	25.25		1,461		0.60	%	1.55	%	6.06	%
	2015	88	23.80		2,104		0.87	%	1.55	%	(1.14	)%
	2014	74	24.08		1,781		0.72	%	1.55	%	9.93	%
	2013	82	21.90		1,791		0.86	%	1.55	%	28.93	%
	2012	88	16.99		1,488		1.08	%	1.55	%	14.33	%
Fidelity VIP Contrafund (IQ Advisor Standard )
	2016	5	26.13		139		0.64	%	0.60	%	7.08	%
	2015	5	24.40		120		0.41	%	0.60	%	(0.19	)%
	2014	15	24.44		366		0.75	%	0.60	%	10.99	%
	2013	10	22.02		218		1.13	%	0.60	%	30.17	%
	2012	5	16.92		85		0.65	%	0.60	%	15.44	%
Fidelity VIP Contrafund (IQ3 )
	2016	151	25.37		3,822		0.62	%	1.45	%	6.17	%
	2015	163	23.90		3,894		0.76	%	1.45	%	(1.04	)%
	2014	205	24.15		4,947		0.73	%	1.45	%	10.04	%
	2013	233	21.95		5,119		0.89	%	1.45	%	29.06	%
	2012	236	17.01		4,008		1.12	%	1.45	%	14.45	%
Fidelity VIP Contrafund (Pinnacle IV )
	2016	194	25.72		4,992		0.60	%	1.45	%	6.17	%
	2015	219	24.22		5,299		0.76	%	1.45	%	(1.04	)%
	2014	253	24.48		6,192		0.70	%	1.45	%	10.04	%
	2013	303	22.25		6,742		0.77	%	1.45	%	29.06	%
	2012	417	17.24		7,185		1.11	%	1.45	%	14.45	%
Fidelity VIP Contrafund (Pinnacle Plus Reduced M&E )
	2016	20	17.97		364		0.50	%	1.15	%	6.49	%
	2015	29	16.88		481		0.81	%	1.15	%	(0.74	)%
	2014	25	17.00		433		0.88	%	1.15	%	10.37	%
	2013	8	15.40		123		1.04	%	1.15	%	29.45	%
	2012	3	11.90		40		2.21	%	1.15	%	14.80	%
Fidelity VIP Contrafund (Pinnacle Plus )
	2016	13	25.77		339		0.47	%	1.67	%	5.93	%
	2015	22	24.33		536		0.68	%	1.67	%	(1.26	)%
	2014	45	24.64		1,117		0.65	%	1.67	%	9.79	%
	2013	66	22.44		1,477		0.90	%	1.67	%	28.77	%
	2012	65	17.43		1,129		1.00	%	1.67	%	14.19	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

110

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Contrafund (Pinnacle V )
	2016	937	$	15.18	$	14,223	0.63	%	1.55	%	6.06	%
	2015	901	14.31		12,902		0.74	%	1.55	%	(1.14	)%
	2014	967	14.48		13,994		0.83	%	1.55	%	9.93	%
	2013	796	13.17		10,478		0.97	%	1.55	%	28.93	%
	2012	612	10.22		6,248		1.27	%	1.55	%	14.33	%
Fidelity VIP Disciplined Small Cap (Advantedge)
	2016	2	19.40		34		0.41	%	1.60	%	20.35	%
	2014	*-	16.75		4		0.09	%	1.60	%	3.25	%
	2013	*-	16.22		3		4.08	%	1.60	%	35.75	%
	2012	*-	11.95		2		1.55	%	1.60	%	16.67	%
Fidelity VIP Disciplined Small Cap (AnnuiChoice II )
	2016	7	16.54		119		0.55	%	1.15	%	20.90	%
	2015	4	13.68		61		0.41	%	1.15	%	(3.30	)%
	2014	3	14.15		47		0.13	%	1.15	%	3.72	%
	2013	3	13.64		38		3.20	%	1.15	%	36.37	%
	2012	5	10.00		45		1.48	%	1.15	%	17.21	%
Fidelity VIP Disciplined Small Cap (AnnuiChoice )
	2016	12	16.79		201		0.63	%	1.00	%	21.09	%
	2015	8	13.86		116		0.33	%	1.00	%	(3.16	)%
	2014	7	14.32		97		0.09	%	1.00	%	3.88	%
	2013	9	13.78		125		4.11	%	1.00	%	36.58	%
	2012	9	10.09		88		1.35	%	1.00	%	17.39	%
Fidelity VIP Disciplined Small Cap (GrandMaster flex3 )
	2016	2	15.91		37		0.49	%	1.55	%	20.42	%
	2015	2	13.21		30		0.34	%	1.55	%	(3.69	)%
	2014	2	13.72		32		0.09	%	1.55	%	3.30	%
	2013	4	13.28		47		4.05	%	1.55	%	35.82	%
	2012	4	9.78		34		1.53	%	1.55	%	16.73	%
Fidelity VIP Disciplined Small Cap (GrandMaster )
	2016	5	16.22		82		0.61	%	1.35	%	20.66	%
	2015	7	13.44		90		0.37	%	1.35	%	(3.50	)%
	2014	3	13.93		45		0.10	%	1.35	%	3.51	%
	2013	4	13.46		48		4.37	%	1.35	%	36.10	%
	2012	3	9.89		29		1.46	%	1.35	%	16.97	%
Fidelity VIP Disciplined Small Cap (IQ Annuity )
	2016	5	16.06		78		0.47	%	1.45	%	20.54	%
	2015	5	13.33		70		0.37	%	1.45	%	(3.60	)%
	2014	5	13.82		65		0.10	%	1.45	%	3.41	%
	2013	5	13.37		63		3.52	%	1.45	%	35.96	%
	2012	6	9.83		63		1.48	%	1.45	%	16.85	%
Fidelity VIP Disciplined Small Cap (Pinnacle )
	2016	9	16.22		153		0.49	%	1.35	%	20.66	%
	2015	10	13.44		131		0.30	%	1.35	%	(3.50	)%
	2014	12	13.93		167		0.10	%	1.35	%	3.51	%
	2013	15	13.46		196		3.73	%	1.35	%	36.10	%
	2012	18	9.89		175		1.28	%	1.35	%	16.97	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

111

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Disciplined Small Cap (Pinnacle IV )
	2016	16	$	16.06	$	251	0.43	%	1.45	%	20.54	%
	2015	24	13.33		314		0.31	%	1.45	%	(3.60	)%
	2014	29	13.82		407		0.11	%	1.45	%	3.41	%
	2013	28	13.37		374		4.12	%	1.45	%	35.96	%
	2012	27	9.83		264		1.49	%	1.45	%	16.85	%
Fidelity VIP Disciplined Small Cap (Pinnacle Plus Reduced M&E )
	2016	*-	20.89		1		0.06	%	1.15	%	20.90	%
	2015	1	17.28		18		0.33	%	1.15	%	(3.30	)%
Fidelity VIP Disciplined Small Cap (Pinnacle V )
	2016	83	16.01		1,327		0.78	%	1.15	%	20.42	%
	2015	28	13.30		379		0.22	%	1.55	%	(3.69	)%
	2014	44	13.81		603		0.11	%	1.55	%	3.30	%
	2013	37	13.37		497		5.50	%	1.55	%	35.82	%
	2012	14	9.84		138		1.91	%	1.55	%	16.73	%
Fidelity VIP Equity-Income (AnnuiChoice II )
	2016	26	15.58		402		2.08	%	1.15	%	16.36	%
	2015	28	13.39		373		2.79	%	1.15	%	(5.34	)%
	2014	32	14.14		451		2.73	%	1.15	%	7.23	%
	2013	32	13.19		416		4.41	%	1.15	%	26.36	%
	2012	37	10.44		382		2.78	%	1.15	%	15.70	%
Fidelity VIP Equity-Income (AdvantEdge )
	2016	44	14.69		651		2.05	%	1.60	%	15.83	%
	2015	55	12.68		692		2.90	%	1.60	%	(5.77	)%
	2014	63	13.46		844		2.78	%	1.60	%	6.75	%
	2013	60	12.61		760		6.05	%	1.60	%	25.78	%
	2012	26	10.02		257		4.40	%	1.60	%	15.17	%
Fidelity VIP Equity-Income (AnnuiChoice )
	2016	49	19.51		963		2.15	%	1.00	%	16.53	%
	2015	53	16.74		890		2.74	%	1.00	%	(5.20	)%
	2014	69	17.66		1,218		2.49	%	1.00	%	7.40	%
	2013	80	16.44		1,323		4.47	%	1.00	%	26.55	%
	2012	91	12.99		1,183		2.76	%	1.00	%	15.88	%
Fidelity VIP Equity-Income (GrandMaster flex3 )
	2016	8	18.91		147		1.99	%	1.55	%	15.89	%
	2015	10	16.31		165		2.79	%	1.55	%	(5.72	)%
	2014	13	17.30		219		2.71	%	1.55	%	6.80	%
	2013	13	16.20		211		4.31	%	1.55	%	25.85	%
	2012	16	12.87		204		2.50	%	1.55	%	15.23	%
Fidelity VIP Equity-Income (IQ Advisor Standard )
	2016	1	20.46		13		2.22	%	0.60	%	17.00	%
	2015	1	17.49		11		3.01	%	0.60	%	(4.81	)%
	2014	1	18.37		12		2.17	%	0.60	%	7.83	%
	2013	1	17.04		15		3.50	%	0.60	%	27.06	%
	2012	2	13.41		23		3.01	%	0.60	%	16.35	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

112

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Equity-Income (IQ3 )
	2016	24	$	18.20	$	439	2.04	%	1.45	%	16.00	%
	2015	28	15.69		443		2.67	%	1.45	%	(5.63	)%
	2014	38	16.63		624		2.33	%	1.45	%	6.91	%
	2013	50	15.55		780		4.71	%	1.45	%	25.98	%
	2012	48	12.34		598		2.89	%	1.45	%	15.35	%
Fidelity VIP Equity-Income (Pinnacle IV )
	2016	47	18.70		883		2.12	%	1.45	%	16.00	%
	2015	51	16.12		820		2.77	%	1.45	%	(5.63	)%
	2014	60	17.08		1,021		2.67	%	1.45	%	6.91	%
	2013	67	15.98		1,065		4.49	%	1.45	%	25.98	%
	2012	80	12.68		1,012		2.57	%	1.45	%	15.35	%
Fidelity VIP Equity-Income (Pinnacle Plus Reduced M&E )
	2016	2	18.64		47		2.19	%	1.15	%	16.36	%
	2015	2	16.02		39		2.96	%	1.15	%	(5.34	)%
	2014	3	16.92		43		0.62	%	1.15	%	7.23	%
	2013	29	15.78		450		7.84	%	1.15	%	26.36	%
Fidelity VIP Equity-Income (Pinnacle Plus )
	2016	11	20.47		218		2.15	%	1.67	%	15.75	%
	2015	14	17.68		253		2.91	%	1.67	%	(5.84	)%
	2014	16	18.78		306		2.16	%	1.67	%	6.67	%
	2013	29	17.60		508		3.53	%	1.67	%	25.70	%
	2012	55	14.00		764		2.98	%	1.67	%	15.09	%
Fidelity VIP Equity-Income (Pinnacle V )
	2016	107	12.50		1,343		2.37	%	1.55	%	15.89	%
	2015	95	10.79		1,025		2.04	%	1.55	%	(5.72	)%
	2014	155	11.44		1,777		2.70	%	1.55	%	6.80	%
	2013	156	10.71		1,676		5.48	%	1.55	%	25.85	%
	2012	100	8.51		850		2.93	%	1.55	%	15.23	%
Fidelity VIP Freedom 2010 (Advantedge )
	2016	9	12.95		110		1.28	%	1.60	%	3.55	%
	2015	9	12.51		111		1.57	%	1.60	%	(2.12	)%
	2014	9	12.78		117		1.14	%	1.60	%	2.55	%
	2013	17	12.46		206		1.92	%	1.60	%	11.39	%
	2012	17	11.19		187		1.70	%	1.60	%	9.79	%
Fidelity VIP Freedom 2010 (AnnuiChoice II )
	2016	10	13.23		129		1.23	%	1.15	%	4.02	%
	2015	11	12.72		139		1.33	%	1.15	%	(1.67	)%
	2014	14	12.93		180		1.36	%	1.15	%	3.01	%
	2013	15	12.55		184		1.56	%	1.15	%	11.90	%
	2012	22	11.22		249		1.68	%	1.15	%	10.29	%
Fidelity VIP Freedom 2010 (GrandMaster )
	2016	1	12.97		19		1.13	%	1.35	%	3.81	%
	2015	4	12.49		52		1.57	%	1.35	%	(1.87	)%
	2014	4	12.73		54		1.43	%	1.35	%	2.81	%
	2013	4	12.38		50		2.01	%	1.35	%	11.67	%
	2012	4	11.09		41		1.76	%	1.35	%	10.07	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

113

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2010 (IQ Annuity )
	2016	4	$	12.84	$	57	1.25	%	1.45	%	3.71	%
	2015	4	12.38		55		1.58	%	1.45	%	(1.97	)%
	2014	5	12.63		57		1.40	%	1.45	%	2.70	%
	2013	5	12.30		57		1.06	%	1.45	%	11.56	%
	2012	13	11.03		139		1.59	%	1.45	%	9.96	%
Fidelity VIP Freedom 2010 (Pinnacle )
	2016	1	12.97		15		1.29	%	1.35	%	3.81	%
	2015	1	12.49		15		1.58	%	1.35	%	(1.87	)%
	2014	1	12.73		15		1.40	%	1.35	%	2.81	%
	2013	1	12.38		15		3.21	%	1.35	%	11.67	%
	2012	*-	11.09		2		0.42	%	1.35	%	10.07	%
Fidelity VIP Freedom 2010 (Pinnacle IV )
	2016	5	12.84		62		1.42	%	1.45	%	3.71	%
	2015	5	12.38		65		1.58	%	1.45	%	(1.97	)%
	2014	5	12.63		66		1.36	%	1.45	%	2.70	%
	2013	5	12.30		66		1.86	%	1.45	%	11.56	%
	2012	6	11.03		64		1.10	%	1.45	%	9.96	%
Fidelity VIP Freedom 2010 (Pinnacle Plus Reduced M&E )
	2016	1	13.16		14		1.30	%	1.15	%	4.02	%
	2015	1	12.66		14		1.60	%	1.15	%	(1.67	)%
Fidelity VIP Freedom 2010 (Pinnacle Plus )
	2016	*-	12.57		4		0.60	%	1.67	%	3.47	%
	2015	1	12.15		9		0.65	%	1.67	%	(2.19	)%
	2014	2	12.42		24		1.40	%	1.67	%	2.47	%
	2013	2	12.12		23		1.93	%	1.67	%	11.31	%
	2012	2	10.89		21		1.71	%	1.67	%	9.71	%
Fidelity VIP Freedom 2010 (Pinnacle V )
	2016	33	12.62		414		1.23	%	1.55	%	3.60	%
	2015	36	12.19		437		1.18	%	1.55	%	(2.07	)%
	2014	60	12.44		745		1.41	%	1.55	%	2.60	%
	2013	60	12.13		731		1.90	%	1.55	%	11.44	%
	2012	62	10.88		671		1.49	%	1.55	%	9.85	%
Fidelity VIP Freedom 2015 (AdvantEdge )
	2016	6	13.01		79		1.26	%	1.60	%	3.89	%
	2015	7	12.53		83		1.04	%	1.60	%	(2.10	)%
	2014	11	12.80		146		1.56	%	1.60	%	2.78	%
	2013	8	12.45		96		1.48	%	1.60	%	12.28	%
	2012	14	11.09		156		1.74	%	1.60	%	10.11	%
Fidelity VIP Freedom 2015 (AnnuiChoice II )
	2016	12	13.21		152		1.41	%	1.15	%	4.36	%
	2015	11	12.66		136		1.33	%	1.15	%	(1.65	)%
	2014	13	12.87		165		1.41	%	1.15	%	3.25	%
	2013	11	12.47		133		1.52	%	1.15	%	12.79	%
	2012	18	11.05		202		1.84	%	1.15	%	10.61	%
Fidelity VIP Freedom 2015 (GrandMaster )
	2016	1	12.96		9		1.26	%	1.35	%	4.15	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

114

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2015 (IQ Annuity )
	2016	3	$	12.83	$	42	0.15	%	1.45	%	4.05	%
	2015	42	12.33		522		2.29	%	1.45	%	(1.95	)%
	2014	4	12.57		48		1.43	%	1.45	%	2.94	%
	2013	4	12.22		47		1.34	%	1.45	%	12.45	%
	2012	8	10.86		90		1.81	%	1.45	%	10.27	%
Fidelity VIP Freedom 2015 (Pinnacle IV )
	2016	*-	12.83		2		1.29	%	1.45	%	4.05	%
	2015	*-	12.33		2		0.78	%	1.45	%	(1.95	)%
	2014	*-	12.57		5		0.65	%	1.45	%	2.94	%
	2013	1	12.22		14		1.92	%	1.45	%	12.45	%
	2012	1	10.86		14		0.94	%	1.45	%	10.27	%
Fidelity VIP Freedom 2015 (Pinnacle Plus Reduced M&E )
	2016	1	13.39		18		1.30	%	1.15	%	4.36	%
	2015	1	12.83		17		1.59	%	1.15	%	(1.65	)%
Fidelity VIP Freedom 2015 (Pinnacle Plus )
	2016	1	12.55		12		0.61	%	1.67	%	3.82	%
	2015	2	12.09		28		1.06	%	1.67	%	(2.17	)%
	2014	4	12.36		55		1.43	%	1.67	%	2.71	%
	2013	4	12.03		54		1.25	%	1.67	%	12.20	%
	2012	11	10.73		115		1.78	%	1.67	%	10.03	%
Fidelity VIP Freedom 2015 (Pinnacle V )
	2016	104	12.59		1,315		1.39	%	1.55	%	3.94	%
	2015	99	12.12		1,201		1.08	%	1.55	%	(2.05	)%
	2014	309	12.37		3,816		1.37	%	1.55	%	2.84	%
	2013	155	12.03		1,859		2.11	%	1.55	%	12.34	%
	2012	140	10.71		1,504		1.83	%	1.55	%	10.16	%
Fidelity VIP Freedom 2020 (AdvantEdge )
	2016	8	12.94		108		0.89	%	1.60	%	4.11	%
	2015	13	12.43		167		1.32	%	1.60	%	(2.05	)%
	2014	17	12.69		221		1.63	%	1.60	%	2.92	%
	2013	15	12.33		189		1.57	%	1.60	%	13.79	%
	2012	27	10.83		295		2.15	%	1.60	%	11.25	%
Fidelity VIP Freedom 2020 (AnnuiChoice II )
	2016	49	13.00		635		1.03	%	1.15	%	4.59	%
	2015	56	12.43		701		1.58	%	1.15	%	(1.60	)%
	2014	56	12.64		705		1.45	%	1.15	%	3.39	%
	2013	56	12.22		683		2.01	%	1.15	%	14.31	%
	2012	63	10.69		675		1.78	%	1.15	%	11.76	%
Fidelity VIP Freedom 2020 (GrandMaster flex3 )
	2016	1	12.50		16		1.26	%	1.55	%	4.16	%
	2015	1	12.00		17		1.57	%	1.55	%	(2.00	)%
Fidelity VIP Freedom 2020 (GrandMaster )
	2016	*-	12.75		5		0.19	%	1.35	%	4.38	%
	2015	4	12.22		46		1.60	%	1.35	%	(1.80	)%
	2014	4	12.44		47		1.44	%	1.35	%	3.18	%
	2013	4	12.06		45		2.13	%	1.35	%	14.08	%
	2012	4	10.57		40		1.86	%	1.35	%	11.54	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

115

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2020 (IQ Annuity )
	2016	53	$	12.63	$	666	1.75	%	1.45	%	4.27	%
	2015	23	12.11		281		1.59	%	1.45	%	(1.90	)%
Fidelity VIP Freedom 2020 (Pinnacle IV )
	2016	5	12.63		60		1.31	%	1.45	%	4.27	%
	2015	5	12.11		57		1.60	%	1.45	%	(1.90	)%
	2014	5	12.34		58		1.44	%	1.45	%	3.08	%
	2013	5	11.98		57		1.49	%	1.45	%	13.96	%
	2012	9	10.51		96		1.38	%	1.45	%	11.42	%
Fidelity VIP Freedom 2020 (Pinnacle )
	2016	2	12.75		27		1.31	%	1.35	%	4.38	%
	2015	2	12.22		26		1.49	%	1.35	%	(1.80	)%
	2014	3	12.44		34		2.88	%	1.35	%	3.18	%
	2013	1	12.06		9		3.96	%	1.35	%	14.08	%
Fidelity VIP Freedom 2020 (Pinnacle Plus )
	2016	1	12.36		11		0.70	%	1.67	%	4.04	%
	2015	2	11.88		21		1.60	%	1.67	%	(2.12	)%
	2014	2	12.13		21		1.44	%	1.67	%	2.85	%
	2013	2	11.80		21		2.13	%	1.67	%	13.71	%
	2012	2	10.38		18		1.86	%	1.67	%	11.17	%
Fidelity VIP Freedom 2020 (Pinnacle V )
	2016	266	12.37		3,285		1.15	%	1.55	%	4.16	%
	2015	329	11.87		3,905		1.59	%	1.55	%	(2.00	)%
	2014	329	12.12		3,990		1.47	%	1.55	%	2.98	%
	2013	323	11.77		3,800		2.05	%	1.55	%	13.84	%
	2012	350	10.34		3,618		2.07	%	1.55	%	11.31	%
Fidelity VIP Freedom 2025 (Advantedge)
	2016	14	13.50		184		1.30	%	1.60	%	4.29	%
	2015	14	12.94		181		1.66	%	1.60	%	(2.10	)%
	2014	13	13.22		174		1.88	%	1.60	%	3.18	%
	2013	12	12.81		159		4.26	%	1.60	%	17.80	%
Fidelity VIP Freedom 2025 (AnnuiChoice II )
	2016	39	13.51		526		1.82	%	1.15	%	4.77	%
	2015	18	12.90		227		1.82	%	1.15	%	(1.65	)%
	2014	14	13.12		179		1.45	%	1.15	%	3.65	%
	2013	14	12.65		172		2.05	%	1.15	%	18.34	%
	2012	17	10.69		184		1.64	%	1.15	%	13.47	%
Fidelity VIP Freedom 2025 (IQ Annuity )
	2016	10	13.12		130		1.58	%	1.45	%	4.45	%
	2015	14	12.56		174		1.97	%	1.45	%	(1.95	)%
	2014	6	12.81		79		1.88	%	1.45	%	3.33	%
	2013	3	12.40		36		4.26	%	1.45	%	17.98	%
Fidelity VIP Freedom 2025 (Pinnacle )
	2016	*-	13.25		5		1.32	%	1.35	%	4.55	%
	2015	*-	12.67		5		1.62	%	1.35	%	(1.85	)%
	2014	*-	12.91		5		1.44	%	1.35	%	3.44	%
	2013	*-	12.48		4		2.31	%	1.35	%	18.10	%
	2012	*-	10.57		4		1.67	%	1.35	%	13.24	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

116

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Freedom 2025 (Pinnacle IV )
	2016	2	$	13.12	$	30	1.32	%	1.45	%	4.45	%
	2015	2	12.56		29		1.61	%	1.45	%	(1.95	)%
	2014	2	12.81		29		1.43	%	1.45	%	3.33	%
	2013	2	12.40		28		2.30	%	1.45	%	17.98	%
	2012	2	10.51		24		1.68	%	1.45	%	13.13	%
Fidelity VIP Freedom 2025 (Pinnacle Plus )
	2016	*-	12.84		4		0.62	%	1.67	%	4.22	%
	2015	1	12.32		10		1.60	%	1.67	%	(2.17	)%
	2014	1	12.59		10		1.43	%	1.67	%	3.10	%
	2013	1	12.22		9		2.30	%	1.67	%	17.72	%
	2012	1	10.38		8		1.67	%	1.67	%	12.87	%
Fidelity VIP Freedom 2025 (Pinnacle V )
	2016	242	12.85		3,114		1.26	%	1.55	%	4.34	%
	2015	251	12.31		3,088		1.89	%	1.55	%	(2.05	)%
	2014	191	12.57		2,405		1.42	%	1.55	%	3.23	%
	2013	196	12.17		2,392		2.33	%	1.55	%	17.86	%
	2012	191	10.33		1,973		2.10	%	1.55	%	13.01	%
Fidelity VIP Freedom 2030 (AnnuiChoice II )
	2016	1	13.12		18		0.61	%	1.15	%	5.15	%
	2015	4	12.48		50		1.07	%	1.15	%	(1.67	)%
	2014	6	12.69		78		1.23	%	1.15	%	3.54	%
	2013	7	12.26		90		1.54	%	1.15	%	20.01	%
	2012	14	10.21		147		1.89	%	1.15	%	13.85	%
Fidelity VIP Freedom 2030 (Grandmaster )
	2016	*-	12.87		2		1.25	%	1.35	%	4.94	%
	2015	*-	12.26		2		1.49	%	1.35	%	(1.87	)%
Fidelity VIP Freedom 2030 (IQ Annuity )
	2016	11	12.74		141		1.31	%	1.45	%	4.83	%
	2015	10	12.15		118		1.57	%	1.45	%	(1.97	)%
	2014	8	12.40		105		1.47	%	1.45	%	3.23	%
	2013	7	12.01		85		2.42	%	1.45	%	19.65	%
	2012	6	10.04		57		2.22	%	1.45	%	13.50	%
Fidelity VIP Freedom 2030 (Pinnacle )
	2016	*-	12.87		2		1.25	%	1.35	%	4.94	%
	2015	*-	12.26		2		1.78	%	1.35	%	(1.87	)%
Fidelity VIP Freedom 2030 (Pinnacle IV )
	2016	2	12.74		22		1.88	%	1.45	%	4.83	%
	2015	*-	12.15		*-		1.49	%	1.45	%	(1.97	)%
	2014	*-	12.40		*-		1.30	%	1.45	%	3.23	%
	2013	*-	12.01		*-		2.13	%	1.45	%	19.65	%
	2012	*-	10.04		*-		0.05	%	1.45	%	13.50	%
Fidelity VIP Freedom 2030 (Pinnacle V )
	2016	26	12.45		326		1.24	%	1.55	%	4.73	%
	2015	26	11.89		310		1.68	%	1.55	%	(2.07	)%
	2014	24	12.14		293		1.36	%	1.55	%	3.12	%
	2013	24	11.77		283		2.18	%	1.55	%	19.53	%
	2012	25	9.85		243		1.96	%	1.55	%	13.39	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

117

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Growth (AnnuiChoice II )
	2016	12	$	18.44	$	217	—	%	1.15	%	(0.61	)%
	2015	9	18.55		173		0.03	%	1.15	%	5.68	%
	2014	19	17.56		340		—	%	1.15	%	9.74	%
	2013	17	16.00		271		0.13	%	1.15	%	34.44	%
	2012	12	11.90		139		0.26	%	1.15	%	13.08	%
Fidelity VIP Growth (GrandMaster )
	2016	37	16.06		594		—	%	1.35	%	(0.81	)%
	2015	36	16.19		589		0.03	%	1.35	%	5.46	%
	2014	46	15.35		713		—	%	1.35	%	9.52	%
	2013	39	14.02		552		0.11	%	1.35	%	34.17	%
	2012	48	10.45		498		0.38	%	1.35	%	12.85	%
Fidelity VIP Growth (AdvantEdge )
	2016	7	14.89		101		—	%	1.60	%	(1.06	)%
	2015	6	15.05		94		0.03	%	1.60	%	5.20	%
	2014	7	14.31		96		—	%	1.60	%	9.24	%
	2013	7	13.10		95		0.10	%	1.60	%	33.83	%
	2012	11	9.79		105		0.58	%	1.60	%	12.56	%
Fidelity VIP Growth (AnnuiChoice )
	2016	25	14.34		364		—	%	1.00	%	(0.45	)%
	2015	29	14.40		415		0.04	%	1.00	%	5.84	%
	2014	39	13.61		529		—	%	1.00	%	9.90	%
	2013	31	12.38		389		0.11	%	1.00	%	34.64	%
	2012	37	9.20		337		0.35	%	1.00	%	13.25	%
Fidelity VIP Growth (GrandMaster flex3 )
	2016	5	18.06		95		—	%	1.55	%	(1.01	)%
	2015	10	18.24		183		0.03	%	1.55	%	5.25	%
	2014	48	17.33		826		—	%	1.55	%	9.29	%
	2013	11	15.86		169		0.10	%	1.55	%	33.90	%
	2012	17	11.84		206		0.32	%	1.55	%	12.62	%
Fidelity VIP Growth (IQ3 )
	2016	22	14.34		319		—	%	1.45	%	(0.91	)%
	2015	24	14.47		347		0.03	%	1.45	%	5.36	%
	2014	61	13.74		838		—	%	1.45	%	9.40	%
	2013	40	12.55		496		0.11	%	1.45	%	34.03	%
	2012	46	9.37		435		0.34	%	1.45	%	12.74	%
Fidelity VIP Growth (Pinnacle )
	2016	17	16.06		268		—	%	1.35	%	(0.81	)%
	2015	19	16.19		309		0.04	%	1.35	%	5.46	%
	2014	25	15.35		391		—	%	1.35	%	9.52	%
	2013	15	14.02		215		0.12	%	1.35	%	34.17	%
	2012	14	10.45		146		0.35	%	1.35	%	12.85	%
Fidelity VIP Growth (Pinnacle IV )
	2016	38	15.91		601		—	%	1.45	%	(0.91	)%
	2015	49	16.05		789		0.03	%	1.45	%	5.36	%
	2014	71	15.24		1,081		—	%	1.45	%	9.40	%
	2013	69	13.93		954		0.11	%	1.45	%	34.03	%
	2012	78	10.39		812		0.33	%	1.45	%	12.74	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

118

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Growth (Pinnacle Plus Reduced M&E )
	2016	2	$	18.76	$	28	—	%	1.15	%	(0.61	)%
	2015	3	18.88		63		0.05	%	1.15	%	5.68	%
	2014	1	17.86		18		—	%	1.15	%	9.74	%
	2013	2	16.28		25		0.07	%	1.15	%	34.44	%
Fidelity VIP Growth (Pinnacle Plus )
	2016	2	20.15		46		—	%	1.67	%	(1.13	)%
	2014	6	19.39		107		—	%	1.67	%	9.16	%
	2013	6	17.76		112		0.08	%	1.67	%	33.73	%
	2012	15	13.28		204		0.48	%	1.67	%	12.48	%
Fidelity VIP Growth (Pinnacle V )
	2016	178	15.57		2,765		—	%	1.55	%	(1.01	)%
	2015	125	15.73		1,960		0.03	%	1.55	%	5.25	%
	2014	132	14.95		1,973		—	%	1.55	%	9.29	%
	2013	111	13.67		1,518		0.13	%	1.55	%	33.90	%
	2012	67	10.21		684		0.44	%	1.55	%	12.62	%
Fidelity VIP High Income (AdvantEdge )
	2016	70	15.10		1,060		6.03	%	1.60	%	12.34	%
	2015	28	13.44		376		4.52	%	1.60	%	(5.40	)%
	2014	34	14.20		485		2.80	%	1.60	%	(0.71	)%
	2013	67	14.31		960		3.77	%	1.60	%	4.01	%
	2012	164	13.75		2,260		7.39	%	1.60	%	12.14	%
Fidelity VIP High Income (AnnuiChoice II )
	2016	46	16.20		746		6.39	%	1.15	%	12.86	%
	2015	31	14.35		448		5.95	%	1.15	%	(4.97	)%
	2014	13	15.10		201		1.78	%	1.15	%	(0.26	)%
	2013	57	15.14		869		5.93	%	1.15	%	4.48	%
	2012	55	14.49		804		5.73	%	1.15	%	12.66	%
Fidelity VIP High Income (AnnuiChoice )
	2016	17	19.57		335		5.98	%	1.00	%	13.03	%
	2015	16	17.32		274		6.98	%	1.00	%	(4.83	)%
	2014	22	18.19		403		4.77	%	1.00	%	(0.10	)%
	2013	27	18.21		483		5.19	%	1.00	%	4.64	%
	2012	36	17.40		622		6.54	%	1.00	%	12.83	%
Fidelity VIP High Income (GrandMaster flex3 )
	2016	393	20.16		7,917		5.90	%	1.55	%	12.40	%
	2015	295	17.94		5,298		5.57	%	1.55	%	(5.35	)%
	2014	27	18.95		514		0.35	%	1.55	%	(0.66	)%
	2013	643	19.08		12,260		5.40	%	1.55	%	4.06	%
	2012	750	18.33		13,747		5.45	%	1.55	%	12.20	%
Fidelity VIP High Income (IQ Advisor Standard )
	2016	*-	19.54		4		5.38	%	0.60	%	13.48	%
	2015	*-	17.22		3		6.65	%	0.60	%	(4.44	)%
	2014	*-	18.02		3		5.89	%	0.60	%	0.30	%
	2013	*-	17.96		3		11.19	%	0.60	%	5.06	%








(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

119

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP High Income (IQ3 )
	2016	58	$	20.40	$	1,184	6.12	%	1.45	%	12.51	%
	2015	38	18.13		684		6.02	%	1.45	%	(5.26	)%
	2014	29	19.13		564		3.04	%	1.45	%	(0.56	)%
	2013	62	19.24		1,192		4.61	%	1.45	%	4.17	%
	2012	97	18.47		1,787		6.22	%	1.45	%	12.31	%
Fidelity VIP High Income (Pinnacle )
	2016	219	17.97		3,940		6.33	%	1.35	%	12.63	%
	2015	160	15.95		2,552		6.34	%	1.35	%	(5.16	)%
	2014	22	16.82		372		0.53	%	1.35	%	(0.46	)%
	2013	366	16.90		6,186		5.50	%	1.35	%	4.27	%
	2012	411	16.21		6,668		5.50	%	1.35	%	12.43	%
Fidelity VIP High Income (Pinnacle IV )
	2016	14	20.45		293		3.59	%	1.45	%	12.52	%
	2015	20	18.17		366		5.75	%	1.45	%	(5.26	)%
	2014	14	19.18		274		2.78	%	1.45	%	(0.56	)%
	2013	36	19.29		685		5.04	%	1.45	%	4.17	%
	2012	48	18.52		887		5.71	%	1.45	%	12.31	%
Fidelity VIP High Income (Pinnacle Plus Reduced M&E )
	2016	1	12.97		16		5.45	%	1.15	%	12.86	%
	2015	1	11.49		14		6.46	%	1.15	%	(4.97	)%
	2014	1	12.09		12		5.07	%	1.15	%	(0.26	)%
	2013	1	12.12		15		—	%	1.15	%	4.48	%
Fidelity VIP High Income (Pinnacle Plus )
	2016	1	18.47		20		4.53	%	1.67	%	12.26	%
	2015	2	16.46		31		5.88	%	1.67	%	(5.47	)%
	2014	3	17.41		45		5.51	%	1.67	%	(0.78	)%
	2013	2	17.54		42		22.34	%	1.67	%	3.93	%
	2012	4	16.88		69		4.09	%	1.67	%	12.06	%
Fidelity VIP High Income (Pinnacle V )
	2016	82	14.29		1,173		3.76	%	1.55	%	12.40	%
	2015	219	12.71		2,785		16.35	%	1.55	%	(5.35	)%
	2014	70	13.43		939		5.53	%	1.55	%	(0.66	)%
	2013	74	13.52		999		5.95	%	1.55	%	4.06	%
	2012	71	12.99		918		6.35	%	1.55	%	12.20	%
Fidelity VIP II Index 500 (Pinnacle )
	2016	60	15.74		949		1.31	%	1.35	%	10.08	%
	2015	65	14.30		934		1.79	%	1.35	%	(0.28	)%
	2014	66	14.34		950		1.57	%	1.35	%	11.76	%
	2013	71	12.83		915		2.16	%	1.35	%	30.13	%
	2012	60	9.86		587		1.88	%	1.35	%	14.06	%
Fidelity VIP II Index 500 (Pinnacle IV )
	2016	308	15.59		4,799		1.33	%	1.45	%	9.97	%
	2015	349	14.17		4,945		3.84	%	1.45	%	(0.38	)%
	2014	121	14.23		1,718		1.42	%	1.45	%	11.65	%
	2013	150	12.74		1,907		1.86	%	1.45	%	30.00	%
	2012	173	9.80		1,697		1.79	%	1.45	%	13.95	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

120

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP II Index 500 (Pinnacle V )
	2016	1,246	$	15.14	$	18,857	1.41	%	1.55	%	9.85	%
	2015	1,195	13.78		16,465		3.45	%	1.55	%	(0.48	)%
	2014	411	13.85		5,694		1.73	%	1.55	%	11.53	%
	2013	288	12.42		3,570		2.23	%	1.55	%	29.87	%
	2012	205	9.56		1,960		2.21	%	1.55	%	13.83	%
Fidelity VIP Index 500 (AdvantEdge )
	2016	75	16.97		1,268		1.26	%	1.60	%	9.80	%
	2015	95	15.45		1,471		2.01	%	1.60	%	(0.53	)%
	2014	85	15.54		1,325		1.47	%	1.60	%	11.48	%
	2013	85	13.94		1,184		1.86	%	1.60	%	29.80	%
	2012	99	10.74		1,065		1.90	%	1.60	%	13.77	%
Fidelity VIP Index 500 (AnnuiChoice II )
	2016	244	16.05		3,917		1.43	%	1.15	%	10.30	%
	2015	212	14.55		3,083		2.11	%	1.15	%	(0.08	)%
	2014	132	14.56		1,926		1.56	%	1.15	%	11.99	%
	2013	112	13.01		1,462		2.12	%	1.15	%	30.39	%
	2012	95	9.97		945		2.23	%	1.15	%	14.30	%
Fidelity VIP Index 500 (AnnuiChoice )
	2016	55	18.17		996		1.33	%	1.00	%	10.47	%
	2015	60	16.45		983		2.18	%	1.00	%	0.07	%
	2014	72	16.44		1,181		1.30	%	1.00	%	12.16	%
	2013	104	14.65		1,524		2.05	%	1.00	%	30.59	%
	2012	95	11.22		1,069		2.05	%	1.00	%	14.47	%
Fidelity VIP Index 500 (Grandmaster flex3 )
	2016	32	15.43		498		1.61	%	1.55	%	9.85	%
	2015	20	14.05		284		2.41	%	1.55	%	(0.48	)%
	2014	16	14.12		231		0.66	%	1.55	%	11.53	%
	2013	82	12.66		1,035		2.44	%	1.55	%	29.87	%
	2012	46	9.75		452		2.60	%	1.55	%	13.83	%
Fidelity VIP Index 500 (Grandmaster )
	2016	145	15.74		2,277		1.37	%	1.35	%	10.08	%
	2015	158	14.30		2,266		3.37	%	1.35	%	(0.28	)%
	2014	69	14.34		986		1.68	%	1.35	%	11.76	%
	2013	56	12.83		720		1.96	%	1.35	%	30.13	%
	2012	58	9.86		572		2.06	%	1.35	%	14.06	%
Fidelity VIP Index 500 (IQ Advisor Standard )
	2016	10	16.94		161		1.46	%	0.60	%	10.91	%
	2015	6	15.27		91		1.62	%	0.60	%	0.48	%
	2014	13	15.20		191		1.41	%	0.60	%	12.61	%
	2013	21	13.50		281		2.27	%	0.60	%	31.12	%
	2012	15	10.29		153		1.95	%	0.60	%	14.93	%
Fidelity VIP Index 500 (IQ3 )
	2016	68	18.50		1,265		1.45	%	1.45	%	9.97	%
	2015	54	16.82		915		1.55	%	1.45	%	(0.38	)%
	2014	102	16.89		1,730		1.36	%	1.45	%	11.65	%
	2013	136	15.13		2,053		2.27	%	1.45	%	30.00	%
	2012	97	11.64		1,128		1.85	%	1.45	%	13.95	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

121

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Index 500 (Pinnacle Plus Reduced M&E )
	2016	11	$	19.70	$	213	1.46	%	1.15	%	10.30	%
	2015	12	17.86		208		2.79	%	1.15	%	(0.08	)%
	2014	6	17.87		114		1.51	%	1.15	%	11.99	%
	2013	5	15.96		86		2.59	%	1.15	%	30.39	%
Fidelity VIP Index 500 (Pinnacle Plus )
	2016	13	22.47		303		1.01	%	1.67	%	9.72	%
	2015	23	20.48		473		2.19	%	1.67	%	(0.60	)%
	2014	15	20.61		312		1.79	%	1.67	%	11.40	%
	2013	14	18.50		253		1.93	%	1.67	%	29.71	%
	2012	17	14.26		250		1.90	%	1.67	%	13.69	%
Fidelity VIP Investment Grade Bond (AdvantEdge )
	2016	138	12.59		1,742		2.46	%	1.60	%	2.81	%
	2015	122	12.24		1,498		2.33	%	1.60	%	(2.43	)%
	2014	135	12.55		1,696		1.99	%	1.60	%	3.93	%
	2013	137	12.07		1,650		2.41	%	1.60	%	(3.63	)%
	2012	120	12.53		1,498		2.19	%	1.60	%	3.91	%
Fidelity VIP Investment Grade Bond (AnnuiChoice II )
	2016	279	13.67		3,818		2.34	%	1.15	%	3.28	%
	2015	249	13.24		3,294		2.66	%	1.15	%	(1.99	)%
	2014	194	13.51		2,621		2.14	%	1.15	%	4.40	%
	2013	170	12.94		2,194		2.67	%	1.15	%	(3.19	)%
	2012	119	13.36		1,590		2.38	%	1.15	%	4.38	%
Fidelity VIP Investment Grade Bond (AnnuiChoice )
	2016	83	17.64		1,471		2.26	%	1.00	%	3.43	%
	2015	83	17.05		1,417		2.16	%	1.00	%	(1.84	)%
	2014	122	17.37		2,126		2.06	%	1.00	%	4.56	%
	2013	121	16.61		2,011		2.15	%	1.00	%	(3.05	)%
	2012	133	17.13		2,282		2.05	%	1.00	%	4.54	%
Fidelity VIP Investment Grade Bond (GrandMaster flex3 )
	2016	36	13.71		498		2.04	%	1.55	%	2.86	%
	2015	32	13.33		428		2.02	%	1.55	%	(2.39	)%
	2014	32	13.66		433		2.05	%	1.55	%	3.98	%
	2013	31	13.13		409		1.70	%	1.55	%	(3.58	)%
	2012	50	13.62		683		2.18	%	1.55	%	3.96	%
Fidelity VIP Investment Grade Bond (GrandMaster )
	2016	65	13.03		842		2.09	%	1.35	%	3.07	%
	2015	74	12.64		930		2.07	%	1.35	%	(2.19	)%
	2014	93	12.93		1,208		2.00	%	1.35	%	4.19	%
	2013	91	12.41		1,135		1.85	%	1.35	%	(3.39	)%
	2012	132	12.84		1,696		2.12	%	1.35	%	4.17	%
Fidelity VIP Investment Grade Bond (IQ Advisor Standard )
	2016	4	15.26		59		1.71	%	0.60	%	3.85	%
	2015	12	14.70		182		1.66	%	0.60	%	(1.44	)%
	2014	11	14.91		164		1.99	%	0.60	%	4.98	%
	2013	11	14.20		159		1.72	%	0.60	%	(2.65	)%
	2012	18	14.59		268		2.07	%	0.60	%	4.97	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

122

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Investment Grade Bond (IQ3 )
	2016	65	$	16.10	$	1,049	2.02	%	1.45	%	2.96	%
	2015	74	15.64		1,151		2.19	%	1.45	%	(2.29	)%
	2014	84	16.00		1,345		1.80	%	1.45	%	4.09	%
	2013	106	15.37		1,623		2.02	%	1.45	%	(3.49	)%
	2012	129	15.93		2,057		2.35	%	1.45	%	4.07	%
Fidelity VIP Investment Grade Bond (Pinnacle )
	2016	97	14.07		1,361		2.25	%	1.35	%	3.07	%
	2015	92	13.65		1,259		2.14	%	1.35	%	(2.19	)%
	2014	111	13.96		1,548		1.97	%	1.35	%	4.19	%
	2013	107	13.39		1,438		2.01	%	1.35	%	(3.39	)%
	2012	139	13.86		1,932		2.06	%	1.35	%	4.17	%
Fidelity VIP Investment Grade Bond (Pinnacle IV )
	2016	29	13.89		409		2.35	%	1.45	%	2.96	%
	2015	25	13.49		340		1.61	%	1.45	%	(2.29	)%
	2014	47	13.81		643		1.90	%	1.45	%	4.09	%
	2013	52	13.26		689		1.78	%	1.45	%	(3.49	)%
	2012	83	13.74		1,137		1.84	%	1.45	%	4.07	%
Fidelity VIP Investment Grade Bond (Pinnacle II Reduced M&E )
	2016	1	14.24		8		1.45	%	1.10	%	3.33	%
	2015	1	13.79		9		0.85	%	1.10	%	(1.94	)%
	2014	1	14.06		10		1.87	%	1.10	%	4.46	%
	2013	1	13.46		10		2.19	%	1.10	%	(3.14	)%
	2012	1	13.90		11		4.25	%	1.10	%	3.60	%
Fidelity VIP Investment Grade Bond (Pinnacle Plus Reduced M&E )
	2016	6	11.12		71		2.28	%	1.15	%	3.28	%
	2015	6	10.77		68		2.67	%	1.15	%	(1.99	)%
	2014	5	10.99		58		2.04	%	1.15	%	4.40	%
	2013	2	10.52		22		1.88	%	1.15	%	(3.19	)%
Fidelity VIP Investment Grade Bond (Pinnacle Plus )
	2016	9	13.44		119		2.17	%	1.67	%	2.73	%
	2015	16	13.08		207		2.27	%	1.67	%	(2.50	)%
	2014	20	13.42		271		1.83	%	1.67	%	3.86	%
	2013	27	12.92		352		2.03	%	1.67	%	(3.70	)%
	2012	36	13.41		480		1.97	%	1.67	%	3.83	%
Fidelity VIP Investment Grade Bond (Pinnacle V )
	2016	1,414	12.82		18,135		2.57	%	1.55	%	2.86	%
	2015	1,028	12.46		12,816		2.76	%	1.55	%	(2.39	)%
	2014	738	12.77		9,425		2.35	%	1.55	%	3.98	%
	2013	528	12.28		6,483		2.68	%	1.55	%	(3.58	)%
	2012	357	12.74		4,549		2.51	%	1.55	%	3.96	%
Fidelity VIP Mid Cap (AdvantEdge )
	2016	16	16.40		261		0.34	%	1.60	%	10.13	%
	2015	17	14.89		253		0.28	%	1.60	%	(3.20	)%
	2014	18	15.38		272		0.02	%	1.60	%	4.34	%
	2013	28	14.74		416		5.72	%	1.60	%	33.70	%
	2012	26	11.02		288		0.45	%	1.60	%	12.72	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

123

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Mid Cap (AnnuiChoice II )
	2016	40	$	18.95	$	749	0.32	%	1.15	%	10.64	%
	2015	40	17.13		689		0.23	%	1.15	%	(2.76	)%
	2014	49	17.61		855		0.02	%	1.15	%	4.81	%
	2013	58	16.80		970		5.49	%	1.15	%	34.31	%
	2012	60	12.51		751		0.41	%	1.15	%	13.24	%
Fidelity VIP Mid Cap (AnnuiChoice )
	2016	23	36.61		836		0.32	%	1.00	%	10.80	%
	2015	25	33.04		820		0.24	%	1.00	%	(2.61	)%
	2014	29	33.93		988		0.02	%	1.00	%	4.97	%
	2013	39	32.32		1,273		5.02	%	1.00	%	34.51	%
	2012	52	24.03		1,257		0.38	%	1.00	%	13.41	%
Fidelity VIP Mid Cap (GrandMaster flex3 )
	2016	10	31.51		309		0.31	%	1.55	%	10.19	%
	2015	11	28.60		318		0.22	%	1.55	%	(3.15	)%
	2014	17	29.53		509		0.02	%	1.55	%	4.39	%
	2013	23	28.29		645		5.63	%	1.55	%	33.77	%
	2012	24	21.15		503		0.33	%	1.55	%	12.78	%
Fidelity VIP Mid Cap (Grandmaster )
	2016	13	27.98		374		0.23	%	1.35	%	10.41	%
	2015	24	25.34		605		0.29	%	1.35	%	(2.96	)%
	2014	18	26.11		471		0.02	%	1.35	%	4.60	%
	2013	18	24.96		460		5.52	%	1.35	%	34.04	%
	2012	19	18.62		348		0.37	%	1.35	%	13.01	%
Fidelity VIP Mid Cap (IQ Advisor Standard )
	2016	5	30.78		164		0.34	%	0.60	%	11.25	%
	2015	4	27.67		109		0.10	%	0.60	%	(2.22	)%
	2014	15	28.30		430		0.02	%	0.60	%	5.40	%
	2013	8	26.85		221		8.24	%	0.60	%	35.06	%
	2012	2	19.88		38		0.14	%	0.60	%	13.87	%
Fidelity VIP Mid Cap (IQ Annuity )
	2016	55	34.82		1,907		0.31	%	1.45	%	10.30	%
	2015	58	31.56		1,836		0.25	%	1.45	%	(3.05	)%
	2014	76	32.56		2,467		0.02	%	1.45	%	4.50	%
	2013	86	31.16		2,695		6.38	%	1.45	%	33.90	%
	2012	61	23.27		1,417		0.29	%	1.45	%	12.89	%
Fidelity VIP Mid Cap (Pinnacle )
	2016	30	16.34		493		0.31	%	1.35	%	10.41	%
	2015	34	14.80		499		0.26	%	1.35	%	(2.96	)%
	2014	38	15.25		576		0.02	%	1.35	%	4.60	%
	2013	61	14.58		896		5.52	%	1.35	%	34.04	%
	2012	62	10.88		674		0.37	%	1.35	%	13.01	%
Fidelity VIP Mid Cap (Pinnacle IV )
	2016	52	34.29		1,781		0.31	%	1.45	%	10.30	%
	2015	67	31.08		2,071		0.22	%	1.45	%	(3.05	)%
	2014	82	32.06		2,639		0.02	%	1.45	%	4.50	%
	2013	109	30.68		3,343		4.83	%	1.45	%	33.90	%
	2012	154	22.92		3,531		0.37	%	1.45	%	12.89	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

124

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Mid Cap (Pinnacle Plus Reduced M&E )
	2016	15	$	15.69	$	240	0.33	%	1.15	%	10.64	%
	2015	15	14.18		206		0.27	%	1.15	%	(2.76	)%
	2014	15	14.58		212		0.02	%	1.15	%	4.81	%
	2013	2	13.91		32		—	%	1.15	%	34.31	%
Fidelity VIP Mid Cap (Pinnacle Plus )
	2016	4	32.86		118		0.31	%	1.67	%	10.06	%
	2015	6	29.85		183		0.25	%	1.67	%	(3.27	)%
	2014	9	30.86		265		0.01	%	1.67	%	4.26	%
	2013	20	29.60		598		5.29	%	1.67	%	33.60	%
	2012	25	22.16		555		0.37	%	1.67	%	12.64	%
Fidelity VIP Mid Cap (Pinnacle V )
	2016	123	15.90		1,952		0.32	%	1.55	%	10.19	%
	2015	126	14.43		1,816		0.21	%	1.55	%	(3.15	)%
	2014	154	14.90		2,291		0.02	%	1.55	%	4.39	%
	2013	145	14.27		2,074		5.95	%	1.55	%	33.77	%
	2012	117	10.67		1,253		0.34	%	1.55	%	12.78	%
Fidelity VIP Overseas (AdvantEdge )
	2016	41	8.81		363		1.17	%	1.60	%	(6.78	)%
	2015	49	9.45		466		1.10	%	1.60	%	1.64	%
	2014	53	9.29		492		1.11	%	1.60	%	(9.76	)%
	2013	56	10.30		580		1.38	%	1.60	%	28.09	%
	2012	69	8.04		551		1.78	%	1.60	%	18.44	%
Fidelity VIP Overseas (AnnuiChoice II )
	2016	22	10.56		231		1.11	%	1.15	%	(6.36	)%
	2015	26	11.28		291		0.99	%	1.15	%	2.11	%
	2014	31	11.04		338		1.08	%	1.15	%	(9.35	)%
	2013	35	12.18		428		1.37	%	1.15	%	28.67	%
	2012	43	9.47		407		1.91	%	1.15	%	18.99	%
Fidelity VIP Overseas (AnnuiChoice )
	2016	24	12.99		314		1.25	%	1.00	%	(6.21	)%
	2015	25	13.85		340		1.13	%	1.00	%	2.26	%
	2014	31	13.54		415		1.08	%	1.00	%	(9.21	)%
	2013	28	14.91		425		1.42	%	1.00	%	28.87	%
	2012	34	11.57		398		1.65	%	1.00	%	19.17	%
Fidelity VIP Overseas (GrandMaster flex3 )
	2016	9	13.92		132		1.16	%	1.55	%	(6.74	)%
	2015	12	14.92		183		1.01	%	1.55	%	1.70	%
	2014	12	14.68		179		1.07	%	1.55	%	(9.72	)%
	2013	13	16.25		217		1.46	%	1.55	%	28.15	%
	2012	14	12.68		183		1.69	%	1.55	%	18.50	%
Fidelity VIP Overseas (GrandMaster )
	2016	38	8.68		327		1.26	%	1.35	%	(6.55	)%
	2015	43	9.29		395		0.98	%	1.35	%	1.90	%
	2014	51	9.11		465		0.94	%	1.35	%	(9.53	)%
	2013	71	10.07		712		1.57	%	1.35	%	28.41	%
	2012	64	7.84		499		1.67	%	1.35	%	18.75	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

125

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Overseas (IQ Advisor Standard )
	2016	*-	$	15.46	$	3	1.05	%	0.60	%	(5.84	)%
	2015	*-	16.42		7		1.15	%	0.60	%	2.68	%
	2014	*-	15.99		7		0.59	%	0.60	%	(8.85	)%
	2013	8	17.54		142		1.35	%	0.60	%	29.39	%
	2012	10	13.56		139		1.73	%	0.60	%	19.65	%
Fidelity VIP Overseas (IQ3 )
	2016	17	12.65		214		1.22	%	1.45	%	(6.64	)%
	2015	35	13.55		470		1.56	%	1.45	%	1.80	%
	2014	37	13.31		493		1.52	%	1.45	%	(9.63	)%
	2013	39	14.72		578		1.38	%	1.45	%	28.28	%
	2012	47	11.48		537		1.71	%	1.45	%	18.63	%
Fidelity VIP Overseas (Pinnacle )
	2016	21	14.28		297		1.24	%	1.35	%	(6.55	)%
	2015	22	15.28		336		1.05	%	1.35	%	1.90	%
	2014	26	15.00		391		0.94	%	1.35	%	(9.53	)%
	2013	34	16.58		558		1.43	%	1.35	%	28.41	%
	2012	38	12.91		490		1.54	%	1.35	%	18.75	%
Fidelity VIP Overseas (Pinnacle IV )
	2016	20	14.10		282		1.20	%	1.45	%	(6.64	)%
	2015	23	15.10		340		0.97	%	1.45	%	1.80	%
	2014	29	14.84		436		1.03	%	1.45	%	(9.63	)%
	2013	32	16.42		532		1.28	%	1.45	%	28.28	%
	2012	45	12.80		580		1.64	%	1.45	%	18.63	%
Fidelity VIP Overseas (Pinnacle Plus Reduced M&E )
	2016	9	11.25		97		1.33	%	1.15	%	(6.36	)%
	2015	9	12.02		107		1.16	%	1.15	%	2.11	%
	2014	6	11.77		76		1.62	%	1.15	%	17.68	%
Fidelity VIP Overseas (Pinnacle Plus )
	2016	4	16.97		67		0.75	%	1.67	%	(6.85	)%
	2015	7	18.22		133		1.23	%	1.67	%	1.57	%
	2014	9	17.94		160		0.94	%	1.67	%	(9.83	)%
	2013	14	19.89		274		1.65	%	1.67	%	28.00	%
	2012	11	15.54		170		1.79	%	1.67	%	18.36	%
Fidelity VIP Overseas (Pinnacle V )
	2016	105	8.37		882		1.25	%	1.55	%	(6.74	)%
	2015	98	8.97		881		1.00	%	1.55	%	1.70	%
	2014	143	8.82		1,266		1.27	%	1.55	%	(9.72	)%
	2013	114	9.77		1,119		1.54	%	1.55	%	28.15	%
	2012	109	7.62		833		1.81	%	1.55	%	18.50	%
Fidelity VIP Target Volatility (AdvantEdge )
	2016	22	10.75		238		2.04	%	1.60	%	3.38	%
	2015	10	10.40		108		0.98	%	1.60	%	(2.92	)%
	2014	11	10.71		113		2.48	%	1.60	%	7.08	%
Fidelity VIP Target Volatility (AnnuiChoice II )
	2016	58	10.90		628		1.13	%	1.15	%	3.85	%
	2015	62	10.49		648		1.02	%	1.15	%	(2.47	)%
	2014	62	10.76		667		1.65	%	1.15	%	7.59	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

126

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Service Class 2 (continued):
Fidelity VIP Target Volatility (GrandMaster )
	2016	6	$	10.83	$	62	1.18	%	1.35	%	3.64	%
	2015	6	10.45		62		1.12	%	1.35	%	(2.67	)%
Fidelity VIP Target Volatility (Pinnacle IV )
	2016	2	10.80		19		1.15	%	1.45	%	3.54	%
	2015	2	10.43		19		0.95	%	1.45	%	(2.77	)%
	2014	2	10.72		20		2.20	%	1.45	%	7.25	%
Fidelity VIP Target Volatility (Pinnacle V )
	2016	168	10.76		1,812		1.67	%	1.55	%	3.43	%
	2015	82	10.41		848		1.76	%	1.55	%	(2.87	)%
	2014	20	10.71		219		1.69	%	1.55	%	7.13	%
Non-Affiliated Class 1:
Columbia VIT Mid Cap Value (Advantedge )
	2016	12	15.23		185		—	%	1.60	%	12.32	%
	2015	6	13.56		83		—	%	1.60	%	(6.51	)%
	2014	6	14.50		82		—	%	1.60	%	10.57	%
	2013	12	13.12		157		—	%	1.60	%	35.67	%
	2012	8	9.67		80		—	%	1.60	%	16.72	%
Columbia VIT Mid Cap Value (AnnuiChoice II )
	2016	7	15.63		102		—	%	1.15	%	12.84	%
	2015	7	13.85		91		—	%	1.15	%	(6.08	)%
	2014	7	14.75		99		—	%	1.15	%	11.07	%
	2013	7	13.28		93		—	%	1.15	%	36.28	%
	2012	*-	9.74		5		—	%	1.15	%	17.26	%
Columbia VIT Mid Cap Value (Annuichoice )
	2016	14	15.76		220		—	%	1.00	%	13.01	%
	2015	22	13.95		312		—	%	1.00	%	(5.94	)%
	2014	9	14.83		132		—	%	1.00	%	11.24	%
	2013	21	13.33		286		—	%	1.00	%	36.49	%
	2012	3	9.77		25		—	%	1.00	%	17.43	%
Columbia VIT Mid Cap Value (Grandmaster flex3 )
	2016	7	15.27		108		—	%	1.55	%	12.38	%
	2015	35	13.59		478		—	%	1.55	%	(6.46	)%
	2014	6	14.53		80		—	%	1.55	%	10.62	%
	2013	32	13.13		425		—	%	1.55	%	35.73	%
	2012	2	9.68		20		—	%	1.55	%	16.78	%
Columbia VIT Mid Cap Value (Grandmaster )
	2016	8	15.45		125		—	%	1.35	%	12.61	%
	2015	7	13.72		98		—	%	1.35	%	(6.27	)%
	2014	18	14.64		269		—	%	1.35	%	10.85	%
	2013	18	13.21		236		—	%	1.35	%	36.01	%
	2012	5	9.71		52		—	%	1.35	%	17.02	%
Columbia VIT Mid Cap Value (Pinnacle )
	2016	7	15.45		108		—	%	1.35	%	12.61	%
	2015	17	13.72		231		—	%	1.35	%	(6.27	)%
	2014	7	14.64		105		—	%	1.35	%	10.85	%
	2013	14	13.21		180		—	%	1.35	%	36.01	%
	2012	6	9.71		57		—	%	1.35	%	17.02	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

127

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 1 (continued):
Columbia VIT Mid Cap Value (Pinnacle IV )
	2016	13	$	15.36	$	203	—	%	1.45	%	12.49	%
	2015	17	13.66		233		—	%	1.45	%	(6.36	)%
	2014	9	14.58		135		—	%	1.45	%	10.74	%
	2013	7	13.17		98		—	%	1.45	%	35.87	%
	2012	3	9.69		27		—	%	1.45	%	16.90	%
Columbia VIT Mid Cap Value (Pinnacle Plus Reduced M&E )
	2016	1	15.63		20		—	%	1.15	%	12.84	%
	2015	*-	13.85		5		—	%	1.15	%	(6.08	)%
Columbia VIT Mid Cap Value (Pinnacle Plus )
	2016	6	15.17		89		—	%	1.67	%	12.24	%
	2015	8	13.51		102		—	%	1.67	%	(6.57	)%
	2014	9	14.46		132		—	%	1.67	%	10.49	%
	2013	18	13.09		230		—	%	1.67	%	35.57	%
	2012	6	9.66		61		—	%	1.67	%	16.64	%
Columbia VIT Mid Cap Value (Pinnacle V )
	2016	46	15.27		710		—	%	1.55	%	12.38	%
	2015	32	13.59		433		—	%	1.55	%	(6.46	)%
	2014	40	14.53		576		—	%	1.55	%	10.62	%
	2013	30	13.13		398		—	%	1.55	%	35.73	%
	2012	4	9.68		41		—	%	1.55	%	16.78	%
Franklin Growth and Income VIP Fund (Pinnacle )
	2016	85	22.58		1,915		2.85	%	1.35	%	10.35	%
	2015	106	20.46		2,165		3.70	%	1.35	%	(1.96	)%
	2014	143	20.87		2,985		2.57	%	1.35	%	7.92	%
	2013	165	19.34		3,186		2.77	%	1.35	%	28.21	%
	2012	183	15.09		2,764		3.27	%	1.35	%	11.01	%
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )
	2016	*-	22.86		8		2.80	%	1.10	%	10.63	%
	2015	*-	20.66		7		3.56	%	1.10	%	(1.71	)%
	2014	*-	21.02		7		2.58	%	1.10	%	8.19	%
	2013	*-	19.43		7		2.76	%	1.10	%	28.53	%
	2012	*-	15.12		5		5.96	%	1.10	%	4.77	%
Franklin Income VIP Fund (Pinnacle )
	2016	215	24.28		5,209		5.09	%	1.35	%	12.79	%
	2015	252	21.53		5,426		4.86	%	1.35	%	(8.09	)%
	2014	289	23.43		6,775		5.06	%	1.35	%	3.51	%
	2013	337	22.63		7,632		6.35	%	1.35	%	12.64	%
	2012	385	20.09		7,727		6.46	%	1.35	%	11.38	%
Franklin Income VIP Fund (Pinnacle II Reduced M&E )
	2016	10	24.58		249		5.19	%	1.10	%	13.08	%
	2015	11	21.74		233		5.24	%	1.10	%	(7.86	)%
	2014	13	23.60		317		5.06	%	1.10	%	3.77	%
	2013	13	22.74		306		7.42	%	1.1	%	12.93	%
	2012	18	20.14		365		12.75	%	1.1	%	8.07	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

128

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 1 (continued):
JP Morgan IT Mid Cap Value (AnnuiChoice )
	2016	3	$	31.69	$	94	0.99	%	1.00	%	13.55	%
	2015	5	27.91		136		1.01	%	1.00	%	(3.63	)%
	2014	5	28.96		157		0.81	%	1.00	%	13.96	%
	2013	6	25.41		156		1.05	%	1.00	%	30.98	%
	2012	6	19.40		123		1.14	%	1.00	%	19.17	%
JP Morgan IT Mid Cap Value (Grandmaster )
	2016	1	30.84		42		1.00	%	1.35	%	13.15	%
	2015	3	27.26		79		0.98	%	1.35	%	(3.97	)%
	2014	3	28.38		85		0.78	%	1.35	%	13.55	%
	2013	3	24.99		75		0.94	%	1.35	%	30.52	%
	2012	4	19.15		71		1.12	%	1.35	%	18.74	%
JP Morgan IT Mid Cap Value (GrandMaster flex3 )
	2016	4	30.36		116		0.88	%	1.55	%	12.92	%
	2015	5	26.89		125		0.99	%	1.55	%	(4.16	)%
	2014	5	28.06		131		0.85	%	1.55	%	13.32	%
	2013	6	24.76		141		1.12	%	1.55	%	30.25	%
	2012	7	19.01		128		1.15	%	1.55	%	18.50	%
JP Morgan IT Mid Cap Value (IQ3 )
	2016	2	30.60		68		0.83	%	1.45	%	13.03	%
	2015	3	27.07		72		1.00	%	1.45	%	(4.07	)%
	2014	3	28.22		79		0.78	%	1.45	%	13.44	%
	2013	3	24.88		75		1.04	%	1.45	%	30.38	%
	2012	3	19.08		59		1.07	%	1.45	%	18.62	%
JP Morgan IT Mid Cap Value (Pinnacle )
	2016	3	30.84		89		0.86	%	1.35	%	13.15	%
	2015	3	27.26		79		0.99	%	1.35	%	(3.97	)%
	2014	3	28.38		86		0.74	%	1.35	%	13.55	%
	2013	4	24.99		88		1.05	%	1.35	%	30.52	%
	2012	4	19.15		77		1.06	%	1.35	%	18.74	%
JP Morgan IT Mid Cap Value (Pinnacle IV )
	2016	9	30.60		277		0.86	%	1.45	%	13.03	%
	2015	10	27.07		260		1.01	%	1.45	%	(4.07	)%
	2014	11	28.22		301		0.78	%	1.45	%	13.44	%
	2013	12	24.88		288		0.85	%	1.45	%	30.39	%
	2012	21	19.08		403		1.19	%	1.45	%	18.62	%
JP Morgan IT Mid Cap Value (Pinnacle Plus Reduced M&E )
	2016	2	21.05		41		0.87	%	1.15	%	13.38	%
	2015	2	18.56		39		0.91	%	1.15	%	(3.77	)%
	2014	3	19.29		49		0.73	%	1.15	%	13.78	%
	2013	1	16.96		11		—	%	1.15	%	30.78	%
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )
	2016	1	26.07		36		5.35	%	1.00	%	9.45	%
	2015	2	23.82		38		5.15	%	1.00	%	(2.10	)%
	2014	2	24.33		46		5.62	%	1.00	%	1.90	%
	2013	2	23.88		55		4.29	%	1.00	%	(9.66	)%
	2012	3	26.43		72		2.53	%	1.00	%	16.78	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

129

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 1 (continued):
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )
	2016	*-	$	15.79	$	2	5.56	%	1.15	%	9.28	%
	2015	*-	14.45		1		5.26	%	1.15	%	(2.25	)%
	2014	*-	14.78		1		5.41	%	1.15	%	1.74	%
	2013	*-	14.53		1		1.63	%	1.15	%	(9.80	)%
	2012	*-	16.11		6		2.30	%	1.15	%	16.60	%
Morgan Stanley UIF Emerging Markets Debt (GrandMaster flex3 )
	2016	1	23.98		36		5.53	%	1.55	%	8.84	%
	2015	1	22.03		33		5.28	%	1.55	%	(2.65	)%
	2014	1	22.63		34		5.46	%	1.55	%	1.33	%
	2013	1	22.33		33		4.03	%	1.55	%	(10.16	)%
	2012	1	24.86		37		2.26	%	1.55	%	16.13	%
Morgan Stanley UIF Emerging Markets Debt (IQ3 )
	2016	3	24.45		79		5.53	%	1.45	%	8.95	%
	2015	3	22.45		73		5.26	%	1.45	%	(2.55	)%
	2014	4	23.03		95		5.45	%	1.45	%	1.44	%
	2013	5	22.71		106		4.02	%	1.45	%	(10.07	)%
	2012	5	25.25		133		2.67	%	1.45	%	16.24	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle )
	2016	13	25.98		335		5.78	%	1.35	%	9.06	%
	2015	14	23.82		331		5.69	%	1.35	%	(2.45	)%
	2014	18	24.42		445		6.07	%	1.35	%	1.54	%
	2013	19	24.05		449		4.58	%	1.35	%	(9.98	)%
	2012	26	26.72		703		2.65	%	1.35	%	16.36	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle II Reduced M&E )
	2016	1	26.31		21		6.55	%	1.10	%	9.34	%
	2015	1	24.06		30		7.81	%	1.10	%	(2.20	)%
	2014	1	24.60		35		5.46	%	1.10	%	1.80	%
	2013	1	24.17		35		4.03	%	1.10	%	(9.75	)%
	2012	1	26.78		38		5.29	%	1.10	%	12.76	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )
	2016	2	27.29		54		5.52	%	1.45	%	8.95	%
	2015	2	25.04		51		5.18	%	1.45	%	(2.55	)%
	2014	7	25.70		173		5.54	%	1.45	%	1.44	%
	2013	9	25.33		228		3.91	%	1.45	%	(10.07	)%
	2012	11	28.17		305		2.93	%	1.45	%	16.24	%
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )
	2016	6	36.67		213		1.30	%	1.00	%	5.75	%
	2015	6	34.68		216		1.37	%	1.00	%	1.15	%
	2014	9	34.28		294		1.43	%	1.00	%	28.43	%
	2013	9	26.69		250		1.12	%	1.00	%	1.03	%
	2012	10	26.42		261		0.81	%	1.00	%	14.67	%
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )
	2016	1	15.40		14		1.32	%	1.15	%	5.59	%
	2015	1	14.58		13		1.19	%	1.15	%	1.00	%
	2014	6	14.44		85		1.36	%	1.15	%	28.23	%
	2013	7	11.26		83		1.14	%	1.15	%	0.88	%
	2012	8	11.16		85		0.86	%	1.15	%	14.50	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

130

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 1 (continued):
Morgan Stanley UIF U.S. Real Estate (GrandMaster flex3 )
	2016	4	$	34.21	$	127	1.32	%	1.55	%	5.16	%
	2015	4	32.53		124		1.34	%	1.55	%	0.59	%
	2014	4	32.34		123		1.43	%	1.55	%	27.71	%
	2013	4	25.32		107		1.12	%	1.55	%	0.47	%
	2012	4	25.20		108		0.81	%	1.55	%	14.03	%
Morgan Stanley UIF U.S. Real Estate (IQ3 )
	2016	12	33.77		421		1.33	%	1.45	%	5.27	%
	2015	14	32.09		449		1.33	%	1.45	%	0.69	%
	2014	15	31.87		486		1.43	%	1.45	%	27.84	%
	2013	16	24.93		408		1.11	%	1.45	%	0.57	%
	2012	18	24.78		449		0.89	%	1.45	%	14.15	%
Morgan Stanley UIF U.S. Real Estate (Pinnacle )
	2016	23	44.78		1,042		1.40	%	1.35	%	5.37	%
	2015	27	42.49		1,153		1.31	%	1.35	%	0.79	%
	2014	34	42.16		1,415		1.40	%	1.35	%	27.97	%
	2013	39	32.94		1,271		1.16	%	1.35	%	0.68	%
	2012	42	32.72		1,375		0.85	%	1.35	%	14.27	%
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )
	2016	12	37.60		448		1.34	%	1.45	%	5.27	%
	2015	19	35.72		662		1.32	%	1.45	%	0.69	%
	2014	22	35.48		784		1.43	%	1.45	%	27.84	%
	2013	28	27.75		766		1.06	%	1.45	%	0.58	%
	2012	35	27.59		967		0.89	%	1.45	%	14.15	%
Non-Affiliated Class 2:
American Funds Managed Risk Asset Allocation (AdvantEdge )
	2016	34	10.68		367		1.27	%	1.60	%	5.56	%
	2015	23	10.12		233		1.56	%	1.60	%	(2.65	)%
	2014	16	10.40		167		0.08	%	1.60	%	3.98	%
American Funds Managed Risk Asset Allocation (AnnuiChoice )
	2016	1	10.88		14		1.52	%	1.00	%	6.20	%
	2015	1	10.25		6		1.67	%	1.00	%	(2.06	)%
	2014	1	10.46		13		0.08	%	1.00	%	4.64	%
American Funds Managed Risk Asset Allocation (AnnuiChoice II )
	2016	34	10.83		366		1.34	%	1.00	%	6.04	%
	2015	34	10.22		346		1.51	%	1.00	%	(2.21	)%
	2014	29	10.45		305		0.15	%	1.00	%	4.48	%
American Funds Managed Risk Asset Allocation (GrandMaster )
	2016	3	10.77		32		0.17	%	1.35	%	5.83	%
American Funds Managed Risk Asset Allocation (GrandMaster flex3 )
	2016	3	10.70		32		1.27	%	1.55	%	5.61	%
	2015	2	10.13		19		1.51	%	1.55	%	(2.6	)%
	2014	2	10.40		18		0.08	%	1.55	%	4.03	%
American Funds Managed Risk Asset Allocation (Pinnacle IV )
	2016	13	10.73		137		1.31	%	1.45	%	5.72	%
	2015	10	10.15		104		1.63	%	1.45	%	(2.5	)%
	2014	4	10.41		40		0.10	%	1.45	%	4.14	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

131

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
American Funds Managed Risk Asset Allocation (Pinnacle V )
	2016	283	$	10.70	$	3,032	1.31	%	1.55	%	5.61	%
	2015	164	10.13		1,664		1.67	%	1.55	%	(2.60	)%
	2014	51	10.40		534		0.10	%	1.55	%	4.03	%
Columbia VIT Small Cap Value (AdvantEdge )
	2016	7	25.32		172		0.38	%	1.60	%	30.62	%
	2015	12	19.39		230		0.55	%	1.60	%	(7.82	)%
	2014	14	21.03		287		0.46	%	1.60	%	1.40	%
	2013	14	20.74		287		1.12	%	1.60	%	31.90	%
	2012	17	15.72		261		0.29	%	1.60	%	9.47	%
Columbia VIT Small Cap Value (AnnuiChoice II )
	2016	25	26.23		649		0.40	%	1.15	%	31.22	%
	2015	21	19.99		420		0.57	%	1.15	%	(7.39	)%
	2014	20	21.58		429		0.47	%	1.15	%	1.87	%
	2013	18	21.19		384		0.95	%	1.15	%	32.50	%
	2012	8	15.99		121		0.32	%	1.15	%	9.97	%
Columbia VIT Small Cap Value (AnnuiChoice )
	2016	6	26.53		147		0.40	%	1.00	%	31.41	%
	2015	6	20.19		121		0.55	%	1.00	%	(7.25	)%
	2014	6	21.77		138		0.49	%	1.00	%	2.02	%
	2013	6	21.34		126		0.85	%	1.00	%	32.70	%
	2012	6	16.08		102		0.27	%	1.00	%	10.14	%
Columbia VIT Small Cap Value (Grandmaster flex3 )
	2016	2	25.42		47		0.45	%	1.55	%	30.69	%
	2015	1	19.45		12		0.59	%	1.55	%	(7.77	)%
	2014	3	21.09		55		0.47	%	1.55	%	1.45	%
	2013	2	20.79		51		1.01	%	1.55	%	31.96	%
	2012	2	15.75		39		0.24	%	1.55	%	9.52	%
Columbia VIT Small Cap Value (Grandmaster )
	2016	1	25.82		36		0.40	%	1.35	%	30.95	%
	2015	1	19.72		27		0.57	%	1.35	%	(7.58	)%
	2014	1	21.34		30		0.42	%	1.35	%	1.66	%
	2013	2	20.99		49		1.00	%	1.35	%	32.23	%
	2012	1	15.87		22		0.28	%	1.35	%	9.75	%
Columbia VIT Small Cap Value (Pinnacle Plus )
	2016	3	25.19		68		0.49	%	1.67	%	30.53	%
	2015	3	19.30		56		0.57	%	1.67	%	(7.88	)%
	2014	3	20.95		62		0.47	%	1.67	%	1.33	%
	2013	3	20.67		61		1.10	%	1.67	%	31.80	%
	2012	4	15.68		55		0.15	%	1.67	%	9.39	%
Columbia VIT Small Cap Value (Pinnacle )
	2016	3	25.82		75		0.26	%	1.35	%	30.95	%
	2015	1	19.72		15		0.59	%	1.35	%	(7.58	)%
	2014	1	21.34		20		0.35	%	1.35	%	1.66	%
	2013	2	20.99		33		0.96	%	1.35	%	32.23	%
	2012	1	15.87		22		0.34	%	1.35	%	9.75	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

132

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Columbia VIT Small Cap Value (Pinnacle IV )
	2016	1	$	25.62	$	34	0.38	%	1.45	%	30.82	%
	2015	1	19.59		21		0.41	%	1.45	%	(7.68	)%
	2014	2	21.21		49		0.42	%	1.45	%	1.56	%
	2013	4	20.89		74		1.06	%	1.45	%	32.10	%
	2012	6	15.81		88		0.24	%	1.45	%	9.63	%
Columbia VIT Small Cap Value (Pinnacle V )
	2016	82	25.42		2,096		0.40	%	1.55	%	30.69	%
	2015	79	19.45		1,536		0.58	%	1.55	%	(7.77	)%
	2014	65	21.09		1,367		0.48	%	1.55	%	1.45	%
	2013	40	20.79		841		1.02	%	1.55	%	31.96	%
	2012	23	15.75		360		0.27	%	1.55	%	9.52	%
Franklin Growth and Income VIP Fund (AdvantEdge )
	2016	10	15.63		160		2.50	%	1.60	%	9.84	%
	2015	4	14.23		63		2.43	%	1.60	%	(2.49	)%
	2014	3	14.59		41		2.40	%	1.60	%	7.39	%
	2013	3	13.59		40		4.98	%	1.60	%	27.53	%
	2012	2	10.65		24		2.08	%	1.60	%	10.43	%
Franklin Growth and Income VIP Fund (AnnuiChoice )
	2016	40	22.92		928		2.67	%	1.00	%	10.51	%
	2015	54	20.74		1,129		3.42	%	1.00	%	(1.90	)%
	2014	67	21.14		1,410		2.41	%	1.00	%	8.05	%
	2013	82	19.57		1,608		2.42	%	1.00	%	28.31	%
	2012	83	15.25		1,269		2.92	%	1.00	%	11.10	%
Franklin Growth and Income VIP Fund (AnnuiChoice II )
	2016	17	16.03		267		3.16	%	1.15	%	10.34	%
	2015	25	14.52		364		3.32	%	1.15	%	(2.05	)%
	2014	24	14.83		351		2.48	%	1.15	%	7.88	%
	2013	30	13.74		413		2.01	%	1.15	%	28.12	%
	2012	18	10.73		190		3.07	%	1.15	%	10.94	%
Franklin Growth and Income VIP Fund (Grandmaster )
	2016	23	21.81		504		2.74	%	1.35	%	10.12	%
	2015	23	19.81		463		3.28	%	1.35	%	(2.25	)%
	2014	29	20.27		598		2.26	%	1.35	%	7.66	%
	2013	39	18.82		732		2.63	%	1.35	%	27.86	%
	2012	37	14.72		544		2.61	%	1.35	%	10.71	%
Franklin Growth and Income VIP Fund (GrandMaster flex3 )
	2016	17	21.20		369		2.38	%	1.55	%	9.89	%
	2015	32	19.30		610		3.38	%	1.55	%	(2.44	)%
	2014	33	19.78		655		2.54	%	1.55	%	7.45	%
	2013	40	18.41		731		2.90	%	1.55	%	27.60	%
	2012	31	14.43		454		2.78	%	1.55	%	10.48	%
Franklin Growth and Income VIP Fund (IQ Annuity )
	2016	68	21.51		1,452		2.60	%	1.45	%	10.00	%
	2015	71	19.55		1,381		3.44	%	1.45	%	(2.35	)%
	2014	79	20.02		1,592		2.45	%	1.45	%	7.55	%
	2013	91	18.61		1,695		2.66	%	1.45	%	27.73	%
	2012	104	14.57		1,521		3.08	%	1.45	%	10.60	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

133

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Growth and Income VIP Fund (Pinnacle )
	2016	57	$	13.69	$	776	2.63	%	1.35	%	10.12	%
	2015	60	12.43		751		3.43	%	1.35	%	(2.25	)%
	2014	69	12.72		877		2.39	%	1.35	%	7.66	%
	2013	93	11.81		1,096		2.66	%	1.35	%	27.86	%
	2012	83	9.24		769		2.62	%	1.35	%	10.71	%
Franklin Growth and Income VIP Fund (Pinnacle II Reduced M&E )
	2016	*-	13.86		*-		2.50	%	1.10	%	10.40	%
	2015	*-	12.55		*-		2.50	%	1.10	%	(2.00	)%
	2014	*-	12.81		*-		0.02	%	1.10	%	7.94	%
	2013	4	11.87		42		2.57	%	1.10	%	28.18	%
	2012	4	9.26		33		5.56	%	1.10	%	4.57	%
Franklin Growth and Income VIP Fund (Pinnacle IV )
	2016	49	21.51		1,060		2.68	%	1.45	%	10.01	%
	2015	56	19.55		1,101		3.44	%	1.45	%	(2.34	)%
	2014	71	20.02		1,427		2.39	%	1.45	%	7.55	%
	2013	84	18.61		1,559		2.61	%	1.45	%	27.73	%
	2012	101	14.57		1,473		3.08	%	1.45	%	10.60	%
Franklin Growth and Income VIP Fund (Pinnacle Plus )
	2016	7	20.21		150		2.55	%	1.67	%	9.76	%
	2015	17	18.42		318		2.90	%	1.67	%	(2.56	)%
	2014	15	18.90		287		2.17	%	1.67	%	7.31	%
	2013	34	17.61		607		3.52	%	1.67	%	27.44	%
	2012	66	13.82		911		2.94	%	1.67	%	10.35	%
Franklin Growth and Income VIP Fund (Pinnacle Plus Reduced M&E )
	2016	12	17.95		212		2.85	%	1.15	%	10.34	%
	2015	13	16.27		212		3.03	%	1.15	%	(2.05	)%
	2014	10	16.61		173		1.39	%	1.15	%	7.88	%
	2013	38	15.39		585		—	%	1.15	%	28.12	%
Franklin Growth and Income VIP Fund (Pinnacle V )
	2016	130	13.12		1,701		2.50	%	1.55	%	9.89	%
	2015	107	11.94		1,278		3.52	%	1.55	%	(2.44	)%
	2014	114	12.24		1,401		2.38	%	1.55	%	7.45	%
	2013	109	11.39		1,236		2.28	%	1.55	%	27.60	%
	2012	75	8.93		672		3.67	%	1.55	%	10.48	%
Franklin Income VIP Fund (AdvantEdge )
	2016	24	14.12		335		5.03	%	1.60	%	12.20	%
	2015	20	12.58		247		5.18	%	1.60	%	(8.54	)%
	2014	33	13.76		453		4.97	%	1.60	%	2.94	%
	2013	33	13.37		445		8.26	%	1.60	%	12.12	%
	2012	42	11.92		500		4.76	%	1.60	%	10.84	%
Franklin Income VIP Fund (AnnuiChoice )
	2016	47	24.63		1,158		4.95	%	1.00	%	12.88	%
	2015	53	21.82		1,147		4.78	%	1.00	%	(7.98	)%
	2014	75	23.72		1,784		5.02	%	1.00	%	3.57	%
	2013	93	22.90		2,120		6.34	%	1.00	%	12.80	%
	2012	120	20.30		2,432		6.44	%	1.00	%	11.52	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

134

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Income VIP Fund (AnnuiChoice II )
	2016	515	$	15.40	$	7,928	4.91	%	1.15	%	12.71	%
	2015	530	13.66		7,241		3.08	%	1.15	%	(8.12	)%
	2014	178	14.87		2,650		3.62	%	1.15	%	3.41	%
	2013	93	14.38		1,344		6.18	%	1.15	%	12.63	%
	2012	88	12.77		1,118		6.22	%	1.15	%	11.35	%
Franklin Income VIP Fund (Grandmaster )
	2016	39	23.44		918		4.82	%	1.35	%	12.49	%
	2015	47	20.84		989		5.14	%	1.35	%	(8.31	)%
	2014	116	22.73		2,646		4.99	%	1.35	%	3.20	%
	2013	126	22.02		2,769		6.55	%	1.35	%	12.40	%
	2012	141	19.59		2,772		6.77	%	1.35	%	11.13	%
Franklin Income VIP Fund (GrandMaster flex3 )
	2016	91	22.79		2,079		5.04	%	1.55	%	12.26	%
	2015	99	20.30		2,012		4.95	%	1.55	%	(8.49	)%
	2014	110	22.18		2,447		4.92	%	1.55	%	3.00	%
	2013	122	21.54		2,623		5.78	%	1.55	%	12.18	%
	2012	151	19.20		2,898		6.58	%	1.55	%	10.90	%
Franklin Income VIP Fund (IQ Advisor Standard )
	2016	*-	20.26		4		4.96	%	0.60	%	13.34	%
	2015	*-	17.87		3		6.24	%	0.60	%	(7.61	)%
	2014	13	19.35		248		5.15	%	0.60	%	3.99	%
	2013	*-	18.60		3		7.80	%	0.60	%	13.26	%
	2012	*-	16.43		2		0.08	%	0.60	%	11.97	%
Franklin Income VIP Fund (IQ Annuity )
	2016	52	23.11		1,199		5.07	%	1.45	%	12.37	%
	2015	66	20.57		1,348		4.69	%	1.45	%	(8.40	)%
	2014	105	22.46		2,352		5.11	%	1.45	%	3.10	%
	2013	122	21.78		2,660		6.47	%	1.45	%	12.29	%
	2012	135	19.40		2,622		6.39	%	1.45	%	11.01	%
Franklin Income VIP Fund (Pinnacle IV )
	2016	94	23.11		2,184		4.92	%	1.45	%	12.37	%
	2015	105	20.57		2,158		5.08	%	1.45	%	(8.40	)%
	2014	265	22.46		5,953		4.99	%	1.45	%	3.10	%
	2013	301	21.78		6,565		6.47	%	1.45	%	12.29	%
	2012	377	19.40		7,311		6.76	%	1.45	%	11.01	%
Franklin Income VIP Fund (Pinnacle Plus )
	2016	17	19.98		332		5.30	%	1.67	%	12.12	%
	2015	24	17.82		432		4.78	%	1.67	%	(8.61	)%
	2014	46	19.49		901		5.09	%	1.67	%	2.87	%
	2013	62	18.95		1,168		7.72	%	1.67	%	12.04	%
	2012	101	16.91		1,710		5.96	%	1.67	%	10.76	%
Franklin Income VIP Fund (Pinnacle Plus Reduced M&E )
	2016	33	13.97		466		4.45	%	1.15	%	12.71	%
	2015	32	12.40		395		4.14	%	1.15	%	(8.12	)%
	2014	22	13.49		300		4.86	%	1.15	%	3.41	%
	2013	18	13.05		237		2.20	%	1.15	%	12.63	%
	2012	4	11.58		46		—	%	1.15	%	11.35	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

135

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Income VIP Fund (Pinnacle V )
	2016	398	$	13.01	$	5,179	4.92	%	1.55	%	12.26	%
	2015	324	11.59		3,760		5.35	%	1.55	%	(8.49	)%
	2014	845	12.66		10,699		4.93	%	1.55	%	3.00	%
	2013	718	12.29		8,831		5.48	%	1.55	%	12.18	%
	2012	463	10.96		5,078		6.34	%	1.55	%	10.90	%
Franklin Large Cap Growth VIP Fund (AdvantEdge )
	2016	46	14.69		672		—	%	1.60	%	(3.36	)%
	2015	71	15.20		1,083		0.27	%	1.60	%	3.94	%
	2014	76	14.63		1,109		1.09	%	1.60	%	10.66	%
	2013	81	13.22		1,070		1.13	%	1.60	%	26.58	%
	2012	100	10.44		1,046		0.87	%	1.60	%	10.57	%
Franklin Large Cap Growth VIP Fund (AnnuiChoice )
	2016	3	21.20		71		—	%	1.00	%	(2.77	)%
	2015	5	21.80		105		0.28	%	1.00	%	4.57	%
	2014	6	20.85		117		1.12	%	1.00	%	11.34	%
	2013	6	18.72		115		1.05	%	1.00	%	27.35	%
	2012	6	14.70		93		0.61	%	1.00	%	11.24	%
Franklin Large Cap Growth VIP Fund (AnnuiChoice II )
	2016	19	16.11		306		—	%	1.15	%	(2.92	)%
	2015	35	16.60		574		0.27	%	1.15	%	4.41	%
	2014	32	15.89		514		1.09	%	1.15	%	11.17	%
	2013	35	14.30		498		1.07	%	1.15	%	27.16	%
	2012	38	11.24		422		0.83	%	1.15	%	11.07	%
Franklin Large Cap Growth VIP Fund (Grandmaster )
	2016	2	20.17		43		—	%	1.35	%	(3.12	)%
	2015	2	20.82		44		0.27	%	1.35	%	4.20	%
	2014	2	19.98		43		0.95	%	1.35	%	10.94	%
	2013	6	18.01		110		0.53	%	1.35	%	26.90	%
	2012	2	14.19		32		0.68	%	1.35	%	10.85	%
Franklin Large Cap Growth VIP Fund (GrandMaster flex3 )
	2016	6	19.61		108		—	%	1.55	%	(3.31	)%
	2015	7	20.28		136		0.27	%	1.55	%	3.99	%
	2014	6	19.50		122		1.07	%	1.55	%	10.72	%
	2013	7	17.61		121		1.04	%	1.55	%	26.64	%
	2012	7	13.91		97		0.87	%	1.55	%	10.62	%
Franklin Large Cap Growth VIP Fund (IQ Annuity )
	2016	9	19.89		184		—	%	1.45	%	(3.22	)%
	2015	9	20.55		194		0.26	%	1.45	%	4.09	%
	2014	8	19.74		149		1.03	%	1.45	%	10.83	%
	2013	6	17.81		99		1.05	%	1.45	%	26.77	%
	2012	7	14.05		92		0.69	%	1.45	%	10.74	%
Franklin Large Cap Growth VIP Fund (Pinnacle )
	2016	4	20.17		78		—	%	1.35	%	(3.12	)%
	2015	4	20.82		90		0.27	%	1.35	%	4.20	%
	2014	5	19.98		90		0.82	%	1.35	%	10.94	%
	2013	6	18.01		114		0.67	%	1.35	%	26.9	%
	2012	4	14.19		57		0.77	%	1.35	%	10.85	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

136

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Large Cap Growth VIP Fund (Pinnacle IV )
	2016	14	$	19.89	$	278	—	%	1.45	%	(3.22	)%
	2015	19	20.55		387		0.29	%	1.45	%	4.09	%
	2014	42	19.74		839		0.98	%	1.45	%	10.83	%
	2013	26	17.81		463		1.07	%	1.45	%	26.77	%
	2012	29	14.05		409		0.87	%	1.45	%	10.74	%
Franklin Large Cap Growth VIP Fund (Pinnacle Plus )
	2016	10	17.69		178		—	%	1.67	%	(3.43	)%
	2015	23	18.32		415		0.30	%	1.67	%	3.86	%
	2014	15	17.64		271		1.12	%	1.67	%	10.58	%
	2013	22	15.95		356		1.00	%	1.67	%	26.49	%
	2012	21	12.61		265		0.91	%	1.67	%	10.49	%
Franklin Large Cap Growth VIP Fund (Pinnacle Plus Reduced M&E )
	2016	10	16.34		159		—	%	1.15	%	(2.92	)%
	2015	5	16.84		90		0.25	%	1.15	%	4.41	%
	2014	3	16.13		48		0.50	%	1.15	%	11.17	%
	2013	1	14.51		14		—	%	1.15	%	27.16	%
Franklin Large Cap Growth VIP Fund (Pinnacle V )
	2,016	133	13.10		1,747		—	%	1.55	%	(3.31	)%
	2015	105	13.55		1,425		0.27	%	1.55	%	3.99	%
	2014	92	13.03		1,203		1.09	%	1.55	%	10.72	%
	2013	92	11.77		1,087		1.00	%	1.55	%	26.64	%
	2012	98	9.29		915		0.83	%	1.55	%	10.62	%
Franklin Mutual Shares VIP Fund (AdvantEdge )
	2,016	106	14.03		1,491		1.98	%	1.60	%	14.20	%
	2015	138	12.29		1,699		3.10	%	1.60	%	(6.46	)%
	2014	154	13.14		2,026		2.01	%	1.60	%	5.41	%
	2013	163	12.46		2,033		2.39	%	1.60	%	26.21	%
	2012	216	9.87		2,130		2.20	%	1.60	%	12.41	%
Franklin Mutual Shares VIP Fund (AnnuiChoice )
	2016	18	24.59		441		1.99	%	1.00	%	14.90	%
	2015	20	21.40		421		3.22	%	1.00	%	(5.89	)%
	2014	36	22.74		814		1.86	%	1.00	%	6.05	%
	2013	48	21.44		1,019		2.14	%	1.00	%	26.98	%
	2012	56	16.88		941		2.08	%	1.00	%	13.10	%
Franklin Mutual Shares VIP Fund (AnnuiChoice II )
	2016	192	15.04		2,891		2.08	%	1.15	%	14.72	%
	2015	191	13.11		2,504		3.19	%	1.15	%	(6.03	)%
	2014	177	13.95		2,476		2.03	%	1.15	%	5.89	%
	2013	168	13.17		2,218		2.18	%	1.15	%	26.79	%
	2012	133	10.39		1,380		2.17	%	1.15	%	12.92	%
Franklin Mutual Shares VIP Fund (GrandMaster flex3 )
	2016	39	22.74		893		1.98	%	1.55	%	14.26	%
	2015	42	19.91		842		3.06	%	1.55	%	(6.41	)%
	2014	47	21.27		998		1.89	%	1.55	%	5.46	%
	2013	56	20.17		1,129		2.03	%	1.55	%	26.28	%
	2012	63	15.97		1,001		2.04	%	1.55	%	12.47	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

137

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Mutual Shares VIP Fund (IQ Annuity )
	2016	22	$	23.07	$	497	1.99	%	1.45	%	14.38	%
	2015	26	20.17		533		3.04	%	1.45	%	(6.31	)%
	2014	31	21.53		667		1.99	%	1.45	%	5.57	%
	2013	36	20.39		728		2.10	%	1.45	%	26.40	%
	2012	39	16.13		630		1.95	%	1.45	%	12.58	%
Franklin Mutual Shares VIP Fund (Pinnacle )
	2016	26	23.40		613		1.71	%	1.35	%	14.49	%
	2015	37	20.44		746		2.95	%	1.35	%	(6.22	)%
	2014	40	21.79		880		1.96	%	1.35	%	5.68	%
	2013	50	20.62		1,038		1.90	%	1.35	%	26.53	%
	2012	66	16.30		1,077		1.91	%	1.35	%	12.69	%
Franklin Mutual Shares VIP Fund (Pinnacle II Reduced M&E )
	2016	*-	23.69		8		2.00	%	1.10	%	14.78	%
	2015	*-	20.64		8		3.06	%	1.10	%	(5.98	)%
	2014	*-	21.95		9		2.00	%	1.10	%	5.94	%
	2013	*-	20.72		10		2.11	%	1.10	%	26.85	%
	2012	1	16.33		8		4.07	%	1.10	%	6.04	%
Franklin Mutual Shares VIP Fund (Pinnacle IV )
	2016	49	23.07		1,121		1.98	%	1.45	%	14.38	%
	2015	58	20.17		1,170		3.42	%	1.45	%	(6.31	)%
	2014	192	21.53		4,131		1.97	%	1.45	%	5.57	%
	2013	223	20.39		4,538		2.10	%	1.45	%	26.40	%
	2012	262	16.13		4,232		2.12	%	1.45	%	12.58	%
Franklin Mutual Shares VIP Fund (Pinnacle Plus )
	2016	11	20.64		223		1.84	%	1.67	%	14.12	%
	2015	18	18.09		325		3.22	%	1.67	%	(6.52	)%
	2014	35	19.35		670		1.86	%	1.67	%	5.33	%
	2013	53	18.37		964		2.13	%	1.67	%	26.12	%
	2012	68	14.56		988		2.16	%	1.67	%	12.33	%
Franklin Mutual Shares VIP Fund (Pinnacle Plus Reduced M&E )
	2016	19	16.56		316		2.16	%	1.15	%	14.72	%
	2015	19	14.43		268		2.88	%	1.15	%	(6.03	)%
	2014	15	15.36		226		2.35	%	1.15	%	5.89	%
	2013	2	14.51		28		1.92	%	1.15	%	26.79	%
	2012	2	11.44		19		—	%	1.15	%	12.92	%
Franklin Mutual Shares VIP Fund (Pinnacle V )
	2016	884	12.36		10,929		2.09	%	1.55	%	14.26	%
	2015	754	10.82		8,156		3.37	%	1.55	%	(6.41	)%
	2014	972	11.56		11,241		2.17	%	1.55	%	5.46	%
	2013	760	10.96		8,335		2.20	%	1.55	%	26.28	%
	2012	517	8.68		4,492		2.17	%	1.55	%	12.47	%
Franklin Mutual Shares VIP Fund(Grandmaster )
	2016	21	23.40		500		1.93	%	1.35	%	14.49	%
	2015	30	20.44		603		3.41	%	1.35	%	(6.22	)%
	2014	77	21.79		1,675		2.00	%	1.35	%	5.68	%
	2013	87	20.62		1,785		2.12	%	1.35	%	26.53	%
	2012	90	16.30		1,471		2.12	%	1.35	%	12.69	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

138

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Small Cap Value VIP Fund (AdvantEdge )
	2016	9	$	18.88	$	176	0.72	%	1.60	%	28.11	%
	2015	6	14.74		89		0.63	%	1.60	%	(8.87	)%
	2014	7	16.17		107		0.71	%	1.60	%	(1.04	)%
	2013	12	16.34		188		1.22	%	1.60	%	34.06	%
	2012	7	12.19		84		0.51	%	1.60	%	16.49	%
Franklin Small Cap Value VIP Fund (Annuichoice )
	2016	4	16.98		64		0.78	%	1.00	%	28.89	%
	2015	4	13.18		55		0.65	%	1.00	%	(8.31	)%
	2014	4	14.37		56		0.68	%	1.00	%	(0.43	)%
	2013	5	14.43		74		1.73	%	1.00	%	34.88	%
	2012	6	10.70		64		0.86	%	1.00	%	17.20	%
Franklin Small Cap Value VIP Fund (Annuichoice II )
	2016	16	16.74		271		0.82	%	1.15	%	28.69	%
	2015	17	13.00		225		0.64	%	1.15	%	(8.45	)%
	2014	19	14.21		273		0.62	%	1.15	%	(0.58	)%
	2013	20	14.29		285		1.07	%	1.15	%	34.67	%
	2012	15	10.61		161		0.77	%	1.15	%	17.02	%
Franklin Small Cap Value VIP Fund (Grandmaster )
	2016	6	16.41		93		0.22	%	1.35	%	28.43	%
	2015	1	12.78		10		0.90	%	1.35	%	(8.64	)%
	2014	3	13.99		43		0.55	%	1.35	%	(0.79	)%
	2013	5	14.10		65		1.71	%	1.35	%	34.40	%
	2012	9	10.49		97		1.08	%	1.35	%	16.78	%
Franklin Small Cap Value VIP Fund (Grandmaster flex3 )
	2016	3	16.09		55		0.91	%	1.55	%	28.17	%
	2015	4	12.55		45		0.63	%	1.55	%	(8.82	)%
	2014	4	13.77		50		0.66	%	1.55	%	(0.99	)%
	2013	5	13.91		65		1.54	%	1.55	%	34.13	%
	2012	5	10.37		54		0.30	%	1.55	%	16.55	%
Franklin Small Cap Value VIP Fund (IQ Annuuity )
	2016	2	16.25		35		0.63	%	1.45	%	28.30	%
	2015	4	12.67		55		0.66	%	1.45	%	(8.73	)%
	2014	4	13.88		62		0.55	%	1.45	%	(0.89	)%
	2013	6	14.00		85		1.24	%	1.45	%	34.27	%
	2012	8	10.43		85		0.76	%	1.45	%	16.66	%
Franklin Small Cap Value VIP Fund (Pinnacle Plus )
	2016	2	15.90		32		0.92	%	1.67	%	28.02	%
	2015	1	12.42		15		0.62	%	1.67	%	(8.93	)%
	2014	1	13.64		20		0.83	%	1.67	%	(1.11	)%
	2013	13	13.79		174		2.01	%	1.67	%	33.97	%
	2012	10	10.30		105		0.68	%	1.67	%	16.40	%
Franklin Small Cap Value VIP Fund (Pinnacle )
	2016	4	16.41		64		0.47	%	1.35	%	28.43	%
	2015	3	12.78		35		1.15	%	1.35	%	(8.64	)%
	2014	9	13.99		128		0.19	%	1.35	%	(0.79	)%
	2013	17	14.10		237		1.41	%	1.35	%	34.40	%
	2012	17	10.49		174		0.42	%	1.35	%	16.78	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

139

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Franklin Small Cap Value VIP Fund (Pinnacle IV )
	2016	2	$	16.25	$	30	0.72	%	1.45	%	28.30	%
	2015	1	12.67		13		0.51	%	1.45	%	(8.73	)%
	2014	2	13.88		33		0.67	%	1.45	%	(0.89	)%
	2013	5	14.00		73		1.30	%	1.45	%	34.27	%
	2012	5	10.43		57		0.62	%	1.45	%	16.66	%
Franklin Small Cap Value VIP Fund (Pinnacle V )
	2016	70	16.05		1,127		0.84	%	1.55	%	28.17	%
	2015	66	12.52		824		0.63	%	1.55	%	(8.82	)%
	2014	71	13.74		977		0.56	%	1.55	%	(0.99	)%
	2013	53	13.87		735		1.28	%	1.55	%	34.13	%
	2012	43	10.34		449		0.80	%	1.55	%	16.55	%
Invesco VI American Franchise (AdvantEdge )
	2016	*-	16.72		3		—	%	1.60	%	0.39	%
	2015	*-	16.66		4		—	%	1.60	%	3.08	%
	2014	*-	16.16		4		—	%	1.60	%	6.44	%
	2013	1	15.18		18		0.05	%	1.60	%	37.56	%
	2012	2	11.04		19		—	%	1.60	%	11.58	%
Invesco VI American Franchise (AnnuiChoice )
	2016	*-	24.98		6		—	%	1.00	%	1.00	%
	2015	*-	24.73		7		—	%	1.00	%	3.70	%
	2014	*-	23.85		7		—	%	1.00	%	7.09	%
	2013	1	22.27		27		0.24	%	1.00	%	38.40	%
	2012	1	16.09		20		—	%	1.00	%	12.26	%
Invesco VI American Franchise (AnnuiChoice II )
	2016	5	19.37		88		—	%	1.15	%	0.84	%
	2015	5	19.20		88		—	%	1.15	%	3.55	%
	2014	5	18.55		86		—	%	1.15	%	6.93	%
	2013	5	17.34		82		0.24	%	1.15	%	38.19	%
	2012	5	12.55		61		—	%	1.15	%	12.09	%
Invesco VI American Franchise (Grandmaster )
	2016	*-	23.77		3		—	%	1.35	%	0.64	%
	2015	*-	23.62		3		—	%	1.35	%	3.34	%
	2014	*-	22.86		4		—	%	1.35	%	6.71	%
	2013	*-	21.42		3		0.22	%	1.35	%	37.91	%
	2012	*-	15.53		3		—	%	1.35	%	11.86	%
Invesco VI American Franchise (GrandMaster flex3 )
	2016	*-	23.11		6		—	%	1.55	%	0.44	%
	2015	1	23.01		14		—	%	1.55	%	3.13	%
	2014	4	22.31		79		—	%	1.55	%	6.49	%
	2013	3	20.95		72		0.24	%	1.55	%	37.63	%
	2012	3	15.22		50		—	%	1.55	%	11.63	%
Invesco VI American Franchise (IQ Advisor Standard )
	2016	*-	21.49		3		—	%	0.60	%	1.41	%
	2015	*-	21.20		3		—	%	0.60	%	4.12	%
	2014	*-	20.36		4		—	%	0.60	%	7.52	%
	2013	*-	18.93		4		0.40	%	0.60	%	38.96	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

140

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Invesco VI American Franchise (IQ Annuity )
	2016	11	$	23.44	$	269	—	%	1.45	%	0.54	%
	2015	12	23.31		285		—	%	1.45	%	3.23	%
	2014	14	22.58		309		—	%	1.45	%	6.60	%
	2013	15	21.18		321		0.24	%	1.45	%	37.77	%
	2012	15	15.38		238		—	%	1.45	%	11.75	%
Invesco VI American Franchise (Pinnacle )
	2016	3	23.77		66		—	%	1.35	%	0.64	%
	2015	3	23.62		62		—	%	1.35	%	3.34	%
	2014	3	22.86		65		—	%	1.35	%	6.71	%
	2013	5	21.42		116		0.31	%	1.35	%	37.91	%
	2012	4	15.53		57		—	%	1.35	%	11.86	%
Invesco VI American Franchise (Pinnacle IV )
	2016	5	23.44		107		—	%	1.45	%	0.54	%
	2015	7	23.31		172		—	%	1.45	%	3.23	%
	2014	7	22.58		155		—	%	1.45	%	6.60	%
	2013	31	21.19		666		0.11	%	1.45	%	37.77	%
	2012	11	15.38		176		—	%	1.45	%	11.75	%
Invesco VI American Franchise (Pinnacle Plus )
	2016	1	20.23		19		—	%	1.67	%	0.31	%
	2015	1	20.17		19		—	%	1.67	%	3.00	%
	2014	1	19.58		29		—	%	1.67	%	6.36	%
	2013	2	18.41		37		0.21	%	1.67	%	37.46	%
	2012	3	13.39		38		—	%	1.67	%	11.50	%
Invesco VI American Franchise (Pinnacle Plus Reduced M&E )
	2016	1	17.06		13		—	%	1.15	%	0.84	%
	2015	1	16.92		12		—	%	1.15	%	3.55	%
Invesco VI American Franchise (Pinnacle V )
	2016	61	16.11		991		—	%	1.55	%	0.44	%
	2015	67	16.04		1,080		—	%	1.55	%	3.13	%
	2014	57	15.56		881		—	%	1.55	%	6.49	%
	2013	41	14.61		592		0.24	%	1.55	%	37.63	%
	2012	33	10.61		345		—	%	1.55	%	11.63	%
Invesco VI American Value (AdvantEdge )
	2016	7	16.46		117		0.12	%	1.60	%	13.38	%
	2015	11	14.52		163		0.01	%	1.60	%	(10.81	)%
	2014	23	16.28		378		0.19	%	1.60	%	7.73	%
	2013	26	15.11		395		0.79	%	1.60	%	31.79	%
	2012	7	11.47		77		0.69	%	1.60	%	15.19	%
Invesco VI American Value (AnnuiChoice )
	2016	1	17.34		17		0.12	%	1.00	%	14.07	%
	2015	1	15.20		19		0.01	%	1.00	%	(10.26	)%
	2014	1	16.94		22		0.19	%	1.00	%	8.38	%
	2013	1	15.63		22		0.68	%	1.00	%	32.59	%
	2012	1	11.79		10		0.38	%	1.00	%	15.90	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

141

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Invesco VI American Value (AnnuiChoice II )
	2016	39	$	17.11	$	675	0.13	%	1.15	%	13.89	%
	2015	31	15.03		461		0.01	%	1.15	%	(10.40	)%
	2014	21	16.77		359		0.21	%	1.15	%	8.22	%
	2013	18	15.50		282		0.55	%	1.15	%	32.39	%
	2012	14	11.70		169		0.67	%	1.15	%	15.72	%
Invesco VI American Value (Grandmaster )**
	2016	3	16.82		55		0.12	%	1.35	%	13.66	%
	2015	4	14.79		65		0.01	%	1.35	%	(10.58	)%
	2014	5	16.54		80		0.27	%	1.35	%	8.00	%
	2013	7	15.32		106		0.50	%	1.35	%	32.13	%
	2012	5	11.59		56		0.69	%	1.35	%	15.49	%
Invesco VI American Value (Grandmaster flex3 )
	2016	*-	16.52		2		0.14	%	1.55	%	13.43	%
	2015	1	14.57		11		0.01	%	1.55	%	(10.76	)%
	2014	1	16.32		11		0.22	%	1.55	%	7.78	%
	2013	*-	15.14		7		0.72	%	1.55	%	31.86	%
	2012	1	11.48		16		1.03	%	1.55	%	15.25	%
Invesco VI American Value (IQ Annuity )
	2016	4	16.67		65		0.11	%	1.45	%	13.55	%
	2015	5	14.68		75		0.01	%	1.45	%	(10.67	)%
	2014	6	16.43		92		0.20	%	1.45	%	7.89	%
	2013	5	15.23		80		0.59	%	1.45	%	31.99	%
	2012	5	11.54		63		0.79	%	1.45	%	15.37	%
Invesco VI American Value (Pinnacle )
	2016	3	16.82		45		0.12	%	1.35	%	13.66	%
	2015	3	14.79		45		0.01	%	1.35	%	(10.58	)%
	2014	1	16.54		23		0.25	%	1.35	%	8.00	%
	2013	1	15.32		19		0.91	%	1.35	%	32.13	%
	2012	*-	11.59		2		0.97	%	1.35	%	15.49	%
Invesco VI American Value (Pinnacle IV )
	2016	4	16.67		68		0.11	%	1.45	%	13.55	%
	2015	6	14.68		95		0.01	%	1.45	%	(10.67	)%
	2014	8	16.43		137		0.20	%	1.45	%	7.89	%
	2013	9	15.23		132		0.96	%	1.45	%	31.99	%
	2012	38	11.54		437		0.97	%	1.45	%	15.37	%
Invesco VI American Value (Pinnacle Plus Reduced M&E )
	2016	*-	18.20		8		0.10	%	1.15	%	13.89	%
	2015	1	15.98		24		0.01	%	1.15	%	(10.40	)%
	2014	2	17.84		27		0.21	%	1.15	%	78.39	%
Invesco VI American Value (Pinnacle V )
	2016	219	16.52		3,618		0.12	%	1.55	%	13.43	%
	2015	153	14.57		2,235		0.01	%	1.55	%	(10.76	)%
	2014	112	16.32		1,830		0.23	%	1.55	%	7.78	%
	2013	75	15.14		1,136		0.67	%	1.55	%	31.86	%
	2012	40	11.48		457		0.42	%	1.55	%	15.25	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.
**The total return ratio presented in the 2015 financial statements was misstated related to the total return ratio for 2014. Management has restated the 2014 total return ratio as
shown in the table above. This misstatement had no impact on the subaccount's statement of net assets, operations or changes in net assets. It also had no impact on the
subaccount's unit value. For more information see "Error Correction" section of Note 1 to the financial statements.

142

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Invesco VI Comstock (AdvantEdge )
	2016	19	$	16.41	$	310	1.24	%	1.60	%	15.12	%
	2015	28	14.26		405		1.52	%	1.60	%	(7.69	)%
	2014	33	15.44		509		1.04	%	1.60	%	7.36	%
	2013	26	14.39		371		1.82	%	1.60	%	33.49	%
	2012	65	10.78		702		1.64	%	1.60	%	17.01	%
Invesco VI Comstock (AnnuiChoice )
	2016	11	26.97		297		1.36	%	1.00	%	15.82	%
	2015	14	23.28		323		1.66	%	1.00	%	(7.13	)%
	2014	15	25.07		378		1.07	%	1.00	%	8.01	%
	2013	17	23.21		388		1.55	%	1.00	%	34.30	%
	2012	18	17.28		306		1.64	%	1.00	%	17.73	%
Invesco VI Comstock (AnnuiChoice II )
	2016	80	16.97		1,352		1.30	%	1.15	%	15.64	%
	2015	80	14.67		1,168		1.75	%	1.15	%	(7.27	)%
	2014	69	15.82		1,087		1.13	%	1.15	%	7.85	%
	2013	64	14.67		935		1.48	%	1.15	%	34.09	%
	2012	42	10.94		457		1.67	%	1.15	%	17.55	%
Invesco VI Comstock (Grandmaster )
	2016	8	25.66		207		1.34	%	1.35	%	15.41	%
	2015	8	22.24		184		1.57	%	1.35	%	(7.46	)%
	2014	10	24.03		230		0.75	%	1.35	%	7.63	%
	2013	15	22.33		326		1.66	%	1.35	%	33.82	%
	2012	11	16.68		183		1.48	%	1.35	%	17.31	%
Invesco VI Comstock (GrandMaster flex3 )
	2016	3	24.95		71		1.34	%	1.55	%	15.18	%
	2015	3	21.66		64		1.68	%	1.55	%	(7.65	)%
	2014	3	23.45		71		0.91	%	1.55	%	7.41	%
	2013	7	21.83		156		1.91	%	1.55	%	33.55	%
	2012	4	16.35		71		1.84	%	1.55	%	17.07	%
Invesco VI Comstock (IQ Advisor Standard )
	2016	*-	22.75		4		1.36	%	0.60	%	16.29	%
	2015	*-	19.56		3		1.51	%	0.60	%	(6.76	)%
	2014	7	20.98		140		1.12	%	0.60	%	8.45	%
	2013	*-	19.34		9		0.81	%	0.60	%	34.84	%
	2012	1	14.35		19		1.53	%	0.60	%	18.21	%
Invesco VI Comstock (IQ Annuity )
	2016	13	25.30		341		1.25	%	1.45	%	15.29	%
	2015	19	21.95		410		1.72	%	1.45	%	(7.55	)%
	2014	19	23.74		462		1.10	%	1.45	%	7.52	%
	2013	20	22.08		451		1.48	%	1.45	%	33.69	%
	2012	22	16.51		360		1.46	%	1.45	%	17.19	%
Invesco VI Comstock (Pinnacle )
	2016	5	25.66		129		1.30	%	1.35	%	15.41	%
	2015	6	22.24		125		1.66	%	1.35	%	(7.46	)%
	2014	8	24.03		198		1.09	%	1.35	%	7.63	%
	2013	8	22.33		188		1.37	%	1.35	%	33.82	%
	2012	10	16.68		169		1.50	%	1.35	%	17.31	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

143

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Invesco VI Comstock (Pinnacle IV )
	2016	9	$	25.30	$	240	1.31	%	1.45	%	15.29	%
	2015	10	21.95		226		1.49	%	1.45	%	(7.55	)%
	2014	14	23.74		336		1.06	%	1.45	%	7.52	%
	2013	16	22.08		353		1.58	%	1.45	%	33.69	%
	2012	21	16.52		339		1.50	%	1.45	%	17.19	%
Invesco VI Comstock (Pinnacle Plus Reduced M&E )
	2016	2	18.76		40		1.30	%	1.15	%	15.64	%
	2015	2	16.22		37		1.12	%	1.15	%	(7.27	)%
	2014	1	17.50		11		1.19	%	1.15	%	7.85	%
	2013	1	16.22		16		0.27	%	1.15	%	34.09	%
Invesco VI Comstock (Pinnacle V )
	2016	525	14.00		7,352		1.33	%	1.55	%	15.18	%
	2015	417	12.15		5,063		1.81	%	1.55	%	(7.65	)%
	2014	323	13.16		4,244		1.24	%	1.55	%	7.41	%
	2013	217	12.25		2,659		1.66	%	1.55	%	33.55	%
	2012	122	9.17		1,119		1.72	%	1.55	%	17.07	%
Invesco VI International Growth Class II (Advantedge)
	2016	33	10.27		343		1.33	%	1.60	%	(2.28	)%
	2015	24	10.51		248		1.30	%	1.60	%	(4.17	)%
	2014	23	10.97		257		1.41	%	1.60	%	(1.51	)%
	2013	22	11.14		250		1.86	%	1.60	%	16.82	%
Invesco VI International Growth Class II (IQ Advisor Enhanced )
	2016	48	10.54		501		1.23	%	0.80	%	(1.84	)%
	2015	38	10.74		403		1.41	%	0.80	%	(3.73	)%
	2014	26	11.15		295		1.50	%	0.80	%	(1.06	)%
	2013	19	11.27		214		1.16	%	0.80	%	17.35	%
	2012	3	9.61		26		1.06	%	0.80	%	13.92	%
Invesco VI International Growth Class II (Pinnacle )
	2016	5	10.36		49		1.18	%	1.35	%	(2.14	)%
	2015	5	10.59		49		1.29	%	1.35	%	(4.03	)%
	2014	4	11.03		49		1.44	%	1.35	%	(1.36	)%
	2013	3	11.18		36		1.15	%	1.35	%	17.00	%
	2012	3	9.56		24		2.50	%	1.35	%	13.58	%
Invesco VI International Growth Class II (Pinnacle Plus )
	2016	7	10.42		75		1.23	%	1.67	%	(2.04	)%
	2015	12	10.64		128		1.59	%	1.67	%	(3.93	)%
	2014	7	11.07		74		1.11	%	1.67	%	(1.26	)%
	2013	5	11.21		55		0.99	%	1.67	%	17.12	%
	2012	4	9.57		39		2.46	%	1.67	%	13.69	%
Invesco VI International Growth Class II (Pinnacle V )
	2016	206	10.30		2,123		1.25	%	1.55	%	(2.23	)%
	2015	150	10.54		1,580		1.41	%	1.55	%	(4.12	)%
	2014	101	10.99		1,110		1.75	%	1.55	%	(1.46	)%
	2013	44	11.15		495		1.27	%	1.55	%	16.88	%
	2012	15	9.54		144		1.37	%	1.55	%	13.46	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

144

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Invesco VI International Growth II (Annuichoice)
	2016	14	$	10.63	$	150	1.17	%	1.00	%	(1.69	)%
	2015	14	10.81		156		1.29	%	1.00	%	(3.59	)%
	2014	14	11.22		159		1.57	%	1.00	%	(0.91	)%
	2013	3	11.32		39		1.24	%	1.00	%	17.53	%
	2012	1	9.63		10		1.27	%	1.00	%	14.10	%
Invesco VI International Growth II (Grandmaster )
	2016	2	10.42		17		1.17	%	1.35	%	(2.04	)%
	2015	2	10.64		19		1.80	%	1.35	%	(3.93	)%
	2014	1	11.07		11		0.91	%	1.35	%	(1.26	)%
	2013	4	11.21		50		0.35	%	1.35	%	17.12	%
	2012	*-	9.57		3		—	%	1.35	%	13.69	%
Invesco VI International Growth II (Grandmaster flex3 )
	2016	*-	10.30		5		1.17	%	1.55	%	(2.23	)%
	2015	*-	10.54		5		1.29	%	1.55	%	(4.12	)%
	2014	*-	10.99		5		1.49	%	1.55	%	9.89	%
	2012	1	9.54		9		1.52	%	1.55	%	13.46	%
Invesco VI Mid Cap Growth II (Annuichoice II )
	2016	*-	10.35		1		—	%	1.15	%	3.48	%
Invesco VI Mid Cap Growth Class II (Pinnacle IV )
	2016	1	10.33		7		—	%	1.10	%	3.27	%
Invesco VI Mid Cap Growth Class II (Pinnacle V )
	2016	8	10.32		86		—	%	1.55	%	3.20	%
Templeton Foreign VIP Fund (IQ Annuity )
	2016	12	19.48		232		2.03	%	1.45	%	5.62	%
	2015	14	18.45		263		3.03	%	1.45	%	(7.85	)%
	2014	20	20.02		401		1.88	%	1.45	%	(12.42	)%
	2013	19	22.86		444		2.37	%	1.45	%	21.19	%
	2012	23	18.86		437		3.00	%	1.45	%	16.51	%
Templeton Foreign VIP Fund (Pinnacle )
	2016	23	19.76		451		1.99	%	1.35	%	5.73	%
	2015	25	18.69		460		3.35	%	1.35	%	(7.75	)%
	2014	25	20.26		512		2.13	%	1.35	%	(12.33	)%
	2013	28	23.11		657		2.36	%	1.35	%	21.31	%
	2012	30	19.05		579		2.57	%	1.35	%	16.63	%
Templeton Foreign VIP Fund (Pinnacle II Reduced M&E )
	2016	*-	20.01		4		3.12	%	1.10	%	6.00	%
	2015	1	18.88		15		3.22	%	1.10	%	(7.52	)%
	2014	1	20.41		16		1.87	%	1.10	%	(12.11	)%
	2013	1	23.22		18		2.31	%	1.10	%	21.62	%
	2012	1	19.09		15		5.43	%	1.10	%	7.43	%
Templeton Foreign VIP Fund (Pinnacle IV )
	2016	26	19.48		515		2.00	%	1.45	%	5.62	%
	2015	34	18.45		634		3.22	%	1.45	%	(7.85	)%
	2014	42	20.02		846		1.88	%	1.45	%	(12.42	)%
	2013	57	22.86		1,296		2.35	%	1.45	%	21.19	%
	2012	68	18.86		1,283		3.01	%	1.45	%	16.51	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

145

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Templeton Foreign VIP Fund (Pinnacle V )
	2016	473	$	9.34	$	4,415	1.90	%	1.55	%	5.52	%
	2015	368	8.85		3,259		3.21	%	1.55	%	(7.94	)%
	2014	326	9.61		3,131		1.79	%	1.55	%	(12.51	)%
	2013	211	10.99		2,323		1.93	%	1.55	%	21.07	%
	2012	138	9.08		1,256		2.79	%	1.55	%	16.39	%
Templeton Foreign VIP Fund (AnnuiChoice )
	2016	14	20.77		298		1.93	%	1.00	%	6.10	%
	2015	16	19.57		309		3.22	%	1.00	%	(7.43	)%
	2014	19	21.14		394		1.95	%	1.00	%	(12.02	)%
	2013	19	24.03		454		2.38	%	1.00	%	21.74	%
	2012	23	19.74		453		2.84	%	1.00	%	17.05	%
Templeton Foreign VIP Fund (AnnuiChoice II )
	2016	93	11.56		1,079		1.95	%	1.15	%	5.94	%
	2015	79	10.91		866		3.33	%	1.15	%	(7.57	)%
	2014	80	11.80		940		1.81	%	1.15	%	(12.15	)%
	2013	74	13.43		1,001		2.21	%	1.15	%	21.56	%
	2012	51	11.05		559		3.01	%	1.15	%	16.87	%
Templeton Foriegn VIP Fund (AdvantEdge )
	2016	55	9.82		543		1.89	%	1.60	%	5.46	%
	2015	75	9.31		700		3.21	%	1.60	%	(7.99	)%
	2014	77	10.12		778		1.90	%	1.60	%	(12.55	)%
	2013	72	11.57		834		2.77	%	1.60	%	21.01	%
	2012	87	9.56		836		2.99	%	1.60	%	16.33	%
Templeton Foriegn VIP Fund (Grandmaster )
	2016	14	19.76		272		1.95	%	1.35	%	5.73	%
	2015	16	18.69		299		3.26	%	1.35	%	(7.75	)%
	2014	17	20.26		350		2.11	%	1.35	%	(12.33	)%
	2013	19	23.11		442		2.35	%	1.35	%	21.31	%
	2012	18	19.05		340		2.84	%	1.35	%	16.63	%
Templeton Foriegn VIP Fund (GrandMaster flex3 )
	2016	12	19.21		233		1.78	%	1.55	%	5.52	%
	2015	16	18.21		292		3.23	%	1.55	%	(7.94	)%
	2014	16	19.78		318		1.94	%	1.55	%	(12.51	)%
	2013	19	22.60		434		2.32	%	1.55	%	21.07	%
	2012	17	18.67		319		2.80	%	1.55	%	16.39	%
Templeton Foriegn VIP Fund (IQ Advisor Standard )
	2016	3	16.97		59		1.88	%	0.60	%	6.53	%
	2015	4	15.93		68		3.68	%	0.60	%	(7.05	)%
	2014	7	17.14		115		1.94	%	0.60	%	(11.66	)%
	2013	3	19.40		57		3.55	%	0.60	%	22.23	%
	2012	2	15.87		32		2.93	%	0.60	%	17.52	%
Templeton Foriegn VIP Fund (Pinnacle Plus )
	2016	6	17.73		108		1.77	%	1.67	%	5.39	%
	2015	9	16.82		147		3.09	%	1.67	%	(8.05	)%
	2014	13	18.29		233		1.96	%	1.67	%	(12.62	)%
	2013	20	20.93		416		2.77	%	1.67	%	20.92	%
	2012	24	17.31		421		3.08	%	1.67	%	16.25	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

146

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Templeton Foriegn VIP Fund (Pinnacle Plus Reduced M&E )
	2016	13	$	11.05	$	144	1.93	%	1.15	%	5.94	%
	2015	12	10.43		130		2.98	%	1.15	%	(7.57	)%
	2014	11	11.29		121		2.28	%	1.15	%	(12.15	)%
	2013	1	12.85		19		—	%	1.15	%	21.56	%
Templeton Global Bond VIP Fund (Pinnacle )
	2016	2	9.38		23		—	%	1.35	%	1.55	%
	2015	9	9.24		79		15.51	%	1.35	%	(5.60	)%
Templeton Global Bond VIP Fund (Grandmaster )
	2016	41	9.38		383		—	%	1.35	%	1.55	%
	2015	43	9.24		398		4.65	%	1.35	%	(5.60	)%
	2014	4	9.79		35		4.28	%	1.35	%	0.46	%
	2013	6	9.74		60		9.69	%	1.35	%	(2.60	)%
Templeton Global Bond VIP Fund (GrandMaster flex3 )
	2016	7	9.31		69		—	%	1.35	%	1.34	%
	2015	9	9.19		84		26.23	%	1.55	%	(5.79	)%
	2014	8	9.75		74		5.05	%	1.55	%	0.26	%
	2013	6	9.73		60		—	%	1.55	%	(2.73	)%
Templeton Global Bond VIP Fund (Pinnacle V )
	2016	96	9.35		895		—	%	1.35	%	1.45	%
	2015	110	9.21		1,017		6.57	%	1.35	%	(5.69	)%
	2014	27	9.77		262		5.37	%	1.35	%	0.36	%
	2013	36	9.73		346		8.43	%	1.35	%	(2.66	)%
Templeton Global Bond VIP Fund (Advantedge )
	2016	1	9.29		13		—	%	1.60	%	1.29	%
	2015	4	9.18		39		8.97	%	1.60	%	(5.83	)%
	2014	2	9.74		20		5.08	%	1.60	%	0.21	%
	2013	2	9.72		20		—	%	1.60	%	(2.76	)%
Templeton Global Bond VIP Fund (Pinnacle IV )
	2016	358	9.31		3,333		—	%	1.10	%	1.34	%
	2015	347	9.19		3,189		8.38	%	1.10	%	(5.79	)%
	2014	299	9.75		2,912		5.03	%	1.10	%	0.26	%
	2013	191	9.73		1,858		1.28	%	1.10	%	(2.73	)%
Templeton Global Bond VIP Fund (Annuichoice )
	2016	12	9.50		113		—	%	1.00	%	1.91	%
	2015	15	9.33		142		13.95	%	1.00	%	(5.26	)%
	2014	12	9.84		121		3.93	%	1.00	%	0.82	%
	2013	8	9.76		76		—	%	1.00	%	(2.36	)%
Templeton Global Bond VIP Fund (AnnuiChoice II )
	2016	9	9.45		81		—	%	1.15	%	1.76	%
	2015	11	9.29		103		7.88	%	1.15	%	(5.40	)%
	2014	13	9.82		126		5.12	%	1.15	%	0.66	%
	2013	12	9.75		118		1.03	%	1.15	%	(2.46	)%
Templeton Growth VIP Fund (AdvantEdge )
	2016	10	11.48		110		2.06	%	1.60	%	7.87	%
	2015	11	10.64		112		2.55	%	1.60	%	(7.98	)%
	2014	11	11.57		124		1.46	%	1.60	%	(4.37	)%
	2013	17	12.10		202		3.77	%	1.60	%	28.73	%
	2012	33	9.40		315		2.88	%	1.60	%	19.12	%


(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

147

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Templeton Growth VIP Fund (AnnuiChoice )
	2016	12	$	20.57	$	252	2.07	%	1.00	%	8.52	%
	2015	12	18.95		224		2.65	%	1.00	%	(7.42	)%
	2014	14	20.47		277		1.34	%	1.00	%	(3.79	)%
	2013	15	21.28		326		2.52	%	1.00	%	29.51	%
	2012	15	16.43		253		2.32	%	1.00	%	19.85	%
Templeton Growth VIP Fund (AnnuiChoice II )
	2016	10	11.98		123		2.20	%	1.15	%	8.36	%
	2015	14	11.05		159		2.78	%	1.15	%	(7.56	)%
	2014	25	11.96		302		1.32	%	1.15	%	(3.93	)%
	2013	22	12.44		274		2.52	%	1.15	%	29.32	%
	2012	20	9.62		193		2.05	%	1.15	%	19.67	%
Templeton Growth VIP Fund (Grandmaster )
	2016	13	19.58		246		2.04	%	1.35	%	8.14	%
	2015	13	18.10		231		2.50	%	1.35	%	(7.75	)%
	2014	14	19.62		276		1.34	%	1.35	%	(4.13	)%
	2013	15	20.47		300		2.31	%	1.35	%	29.06	%
	2012	21	15.86		328		2.09	%	1.35	%	19.43	%
Templeton Growth VIP Fund (GrandMaster flex3 )
	2016	19	19.03		364		1.96	%	1.55	%	7.92	%
	2015	23	17.63		402		2.54	%	1.55	%	(7.94	)%
	2014	25	19.15		477		1.43	%	1.55	%	(4.32	)%
	2013	32	20.02		636		2.56	%	1.55	%	28.80	%
	2012	32	15.54		504		2.09	%	1.55	%	19.18	%
Templeton Growth VIP Fund (IQ Annuity )
	2016	17	19.30		325		2.06	%	1.45	%	8.03	%
	2015	21	17.86		377		2.57	%	1.45	%	(7.84	)%
	2014	25	19.38		483		1.34	%	1.45	%	(4.22	)%
	2013	26	20.24		522		2.89	%	1.45	%	28.93	%
	2012	33	15.70		524		1.95	%	1.45	%	19.30	%
Templeton Growth VIP Fund (Pinnacle )
	2016	31	19.58		616		2.03	%	1.35	%	8.14	%
	2015	35	18.10		629		2.71	%	1.35	%	(7.75	)%
	2014	44	19.62		863		1.34	%	1.35	%	(4.13	)%
	2013	51	20.47		1,039		2.67	%	1.35	%	29.06	%
	2012	56	15.86		889		2.03	%	1.35	%	19.43	%
Templeton Growth VIP Fund (Pinnacle IV )
	2016	23	19.30		444		2.03	%	1.45	%	8.03	%
	2015	27	17.87		474		2.66	%	1.45	%	(7.84	)%
	2014	30	19.39		582		1.57	%	1.45	%	(4.22	)%
	2013	104	20.24		2,100		1.41	%	1.45	%	28.93	%
	2012	43	15.70		672		2.13	%	1.45	%	19.30	%
Templeton Growth VIP Fund (Pinnacle Plus )
	2016	4	17.40		77		2.30	%	1.67	%	7.79	%
	2015	11	16.15		182		2.88	%	1.67	%	(8.05	)%
	2014	20	17.56		358		1.43	%	1.67	%	(4.44	)%
	2013	28	18.37		523		2.31	%	1.67	%	28.64	%
	2012	29	14.28		420		2.07	%	1.67	%	19.04	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

148

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Templeton Growth VIP Fund (Pinnacle Plus Reduced M&E )
	2016	13	$	14.09	$	184	1.72	%	1.15	%	8.36	%
	2015	9	13.00		118		—	%	1.15	%	(7.56	)%
Templeton Growth VIP Fund (Pinnacle V )
	2016	87	9.87		862		2.06	%	1.55	%	7.92	%
	2015	94	9.15		863		2.88	%	1.55	%	(7.94	)%
	2014	110	9.93		1,096		1.59	%	1.55	%	(4.32	)%
	2013	348	10.38		3,617		1.01	%	1.55	%	28.80	%
	2012	88	8.06		711		2.15	%	1.55	%	19.18	%
Morgan Stanley UIF Emerging Markets Debt (AdvantEdge )
	2016	23	13.63		311		5.47	%	1.60	%	8.81	%
	2015	24	12.53		307		5.56	%	1.60	%	(2.76	)%
	2014	22	12.88		284		5.15	%	1.60	%	1.25	%
	2013	21	12.73		263		4.69	%	1.60	%	(10.22	)%
	2012	26	14.17		367		2.73	%	1.60	%	15.98	%
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice )
	2016	6	14.62		81		5.56	%	1.00	%	9.48	%
	2015	6	13.36		86		5.00	%	1.00	%	(2.16	)%
	2014	8	13.65		107		5.00	%	1.00	%	1.86	%
	2013	10	13.40		132		6.26	%	1.00	%	(9.67	)%
	2012	13	14.84		200		3.06	%	1.00	%	16.69	%
Morgan Stanley UIF Emerging Markets Debt (AnnuiChoice II )
	2016	6	14.41		93		5.58	%	1.15	%	9.31	%
	2015	8	13.18		107		6.41	%	1.15	%	(2.31	)%
	2014	14	13.49		187		5.34	%	1.15	%	1.71	%
	2013	16	13.27		206		3.82	%	1.15	%	(9.80	)%
	2012	18	14.71		269		2.57	%	1.15	%	16.51	%
Morgan Stanley UIF Emerging Markets Debt (GrandMaste flex3 )
	2016	11	13.85		148		6.02	%	1.55	%	8.87	%
	2015	8	12.73		104		9.00	%	1.55	%	(2.71	)%
	2014	9	13.08		114		5.17	%	1.55	%	1.30	%
	2013	15	12.91		195		4.66	%	1.55	%	(10.17	)%
	2012	21	14.37		306		2.74	%	1.55	%	16.04	%
Morgan Stanley UIF Emerging Markets Debt (Grandmaster )
	2016	3	23.82		63		5.65	%	1.35	%	9.09	%
	2015	3	21.84		56		7.32	%	1.35	%	(2.51	)%
	2014	3	22.40		65		5.15	%	1.35	%	1.50	%
	2013	4	22.07		93		3.04	%	1.35	%	(9.99	)%
	2012	9	24.52		229		2.32	%	1.35	%	16.28	%
Morgan Stanley UIF Emerging Markets Debt (IQ Annuity )
	2016	7	23.49		160		5.95	%	1.45	%	8.98	%
	2015	7	21.55		144		5.60	%	1.45	%	(2.61	)%
	2014	8	22.13		174		5.36	%	1.45	%	1.40	%
	2013	8	21.82		179		4.77	%	1.45	%	(10.08	)%
	2012	12	24.27		295		2.79	%	1.45	%	16.16	%







(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

149

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF Emerging Markets Debt (Pinnacle IV )
	2016	11	$	13.99	$	153	5.74	%	1.45	%	8.98	%
	2015	14	12.84		177		5.04	%	1.45	%	(2.61	)%
	2014	23	13.18		302		5.52	%	1.45	%	1.40	%
	2013	32	13.00		410		3.90	%	1.45	%	(10.08	)%
	2012	33	14.46		470		2.83	%	1.45	%	16.16	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus )
	2016	2	20.07		44		5.47	%	1.67	%	8.74	%
	2015	2	18.46		46		4.99	%	1.67	%	(2.82	)%
	2014	3	19.00		66		5.53	%	1.67	%	1.17	%
	2013	5	18.78		97		4.41	%	1.67	%	(10.28	)%
	2012	7	20.93		157		3.04	%	1.67	%	15.90	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle Plus Reduced M&E )
	2016	1	11.55		15		5.22	%	1.15	%	9.31	%
	2015	2	10.57		26		4.91	%	1.15	%	(2.31	)%
	2014	2	10.82		20		6.22	%	1.15	%	8.17	%
Morgan Stanley UIF Emerging Markets Debt (Pinnacle V )
	2016	49	13.78		675		6.43	%	1.55	%	8.87	%
	2015	22	12.65		281		8.84	%	1.55	%	(2.71	)%
	2014	28	13.01		363		5.35	%	1.55	%	1.30	%
	2013	35	12.84		447		4.47	%	1.55	%	(10.17	)%
	2012	52	14.29		745		2.32	%	1.55	%	16.04	%
Morgan Stanley UIF Emerging Markets Equity (AdvantEdge )
	2016	45	7.30		328		0.43	%	1.60	%	4.92	%
	2015	53	6.96		370		0.73	%	1.60	%	(12.14	)%
	2014	54	7.92		431		0.31	%	1.60	%	(6.08	)%
	2013	58	8.44		490		0.95	%	1.60	%	(2.68	)%
	2012	44	8.67		381		—	%	1.60	%	17.91	%
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice )
	2016	7	30.96		225		0.42	%	1.00	%	5.56	%
	2015	5	29.33		148		0.74	%	1.00	%	(11.60	)%
	2014	5	33.17		154		0.31	%	1.00	%	(5.51	)%
	2013	7	35.11		259		1.14	%	1.00	%	(2.09	)%
	2012	9	35.86		307		—	%	1.00	%	18.64	%
Morgan Stanley UIF Emerging Markets Equity (AnnuiChoice II )
	2016	18	11.56		209		0.45	%	1.15	%	5.40	%
	2015	21	10.97		225		0.78	%	1.15	%	(11.73	)%
	2014	24	12.43		295		0.33	%	1.15	%	(5.65	)%
	2013	24	13.17		310		1.01	%	1.15	%	(2.24	)%
	2012	26	13.47		357		—	%	1.15	%	18.46	%
Morgan Stanley UIF Emerging Markets Equity (Grandmaster )
	2016	5	29.46		144		0.46	%	1.35	%	5.18	%
	2015	5	28.01		127		0.77	%	1.35	%	(11.91	)%
	2014	6	31.80		176		0.32	%	1.35	%	(5.84	)%
	2013	7	33.77		234		1.00	%	1.35	%	(2.44	)%
	2012	8	34.61		281		—	%	1.35	%	18.22	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

150

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF Emerging Markets Equity (GrandMaster flex3 )
	2016	12	$	28.64	$	345	0.37	%	1.55	%	4.97	%
	2015	5	27.28		144		0.73	%	1.55	%	(12.09	)%
	2014	6	31.03		182		0.33	%	1.55	%	(6.03	)%
	2013	8	33.02		272		1.10	%	1.55	%	(2.63	)%
	2012	11	33.92		381		—	%	1.55	%	17.97	%
Morgan Stanley UIF Emerging Markets Equity (IQ Advisor Standard )
	2016	4	22.11		78		0.52	%	0.60	%	5.98	%
	2015	*-	20.86		4		0.28	%	0.60	%	(11.24	)%
	2014	2	23.51		49		0.33	%	0.60	%	(5.13	)%
	2013	2	24.78		54		2.31	%	0.60	%	(1.69	)%
	2012	*-	25.20		4		—	%	0.60	%	19.12	%
Morgan Stanley UIF Emerging Markets Equity (IQ Annuity )
	2016	8	29.04		229		0.41	%	1.45	%	5.08	%
	2015	8	27.64		211		0.76	%	1.45	%	(12.00	)%
	2014	8	31.41		259		0.31	%	1.45	%	(5.94	)%
	2013	9	33.39		286		0.97	%	1.45	%	(2.53	)%
	2012	13	34.26		462		—	%	1.45	%	18.09	%
Morgan Stanley UIF Emerging Markets Equity (Pinnacle )
	2016	12	29.46		340		0.43	%	1.35	%	5.18	%
	2015	10	28.01		287		0.75	%	1.35	%	(11.91	)%
	2014	13	31.80		420		0.33	%	1.35	%	(5.84	)%
	2013	16	33.77		555		1.14	%	1.35	%	(2.44	)%
	2012	20	34.61		675		—	%	1.35	%	18.22	%
Morgan Stanley UIF Emerging Markets Equity (Pinnacle IV )
	2016	14	29.05		401		0.44	%	1.45	%	5.08	%
	2015	15	27.64		426		0.75	%	1.45	%	(12.00	)%
	2014	21	31.41		668		0.33	%	1.45	%	(5.94	)%
	2013	29	33.40		978		0.96	%	1.45	%	(2.53	)%
	2012	42	34.26		1,431		—	%	1.45	%	18.10	%
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus )
	2016	2	24.73		47		0.48	%	1.67	%	4.84	%
	2015	7	23.59		168		0.74	%	1.67	%	(12.20	)%
	2014	10	26.86		271		0.30	%	1.67	%	(6.15	)%
	2013	9	28.62		267		1.09	%	1.67	%	(2.75	)%
	2012	11	29.43		328		—	%	1.67	%	17.83	%
Morgan Stanley UIF Emerging Markets Equity (Pinnacle Plus Reduced M&E )
	2016	6	8.44		51		0.31	%	1.15	%	5.40	%
	2015	4	8.00		32		0.19	%	1.15	%	(11.73	)%
	2014	*-	9.07		3		0.07	%	1.15	%	(5.65	)%
	2013	1	9.61		14		—	%	1.15	%	(2.24	)%
Morgan Stanley UIF Emerging Markets Equity (Pinnacle V )
	2016	159	8.32		1,325		0.41	%	1.55	%	4.97	%
	2015	147	7.92		1,161		0.75	%	1.55	%	(12.09	)%
	2014	165	9.01		1,485		0.27	%	1.55	%	(6.03	)%
	2013	116	9.59		1,109		1.15	%	1.55	%	(2.63	)%
	2012	89	9.85		880		—	%	1.55	%	17.97	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

151

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus )
	2016	3	$	30.15	$	105	1.17	%	1.67	%	4.77	%
	2015	5	28.78		148		1.30	%	1.67	%	0.22	%
	2014	7	28.71		195		1.24	%	1.67	%	27.27	%
	2013	13	22.56		293		0.90	%	1.67	%	0.05	%
	2012	16	22.55		371		0.58	%	1.67	%	13.68	%
Morgan Stanley UIF U. S. Real Estate (Pinnacle Plus Reduced M&E )
	2016	5	16.87		89		1.04	%	1.15	%	5.32	%
	2015	5	16.02		78		1.03	%	1.15	%	0.75	%
	2014	7	15.90		110		1.39	%	1.15	%	27.94	%
	2013	2	12.43		31		—	%	1.15	%	0.58	%
Morgan Stanley UIF U.S. Real Estate (AdvantEdge )
	2016	21	15.73		324		1.09	%	1.60	%	4.84	%
	2015	28	15.01		421		1.13	%	1.60	%	0.29	%
	2014	30	14.96		450		1.23	%	1.60	%	27.36	%
	2013	33	11.75		387		0.75	%	1.60	%	0.13	%
	2012	25	11.73		296		0.62	%	1.60	%	13.76	%
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice )
	2016	15	12.70		186		1.06	%	1.00	%	5.48	%
	2015	16	12.04		195		1.20	%	1.00	%	0.90	%
	2014	23	11.94		275		1.35	%	1.00	%	28.13	%
	2013	24	9.31		219		0.92	%	1.00	%	0.74	%
	2012	28	9.25		260		0.56	%	1.00	%	14.46	%
Morgan Stanley UIF U.S. Real Estate (AnnuiChoice II )
	2016	32	12.52		401		1.08	%	1.15	%	5.32	%
	2015	31	11.89		374		1.19	%	1.15	%	0.75	%
	2014	34	11.80		397		1.22	%	1.15	%	27.94	%
	2013	36	9.22		329		0.77	%	1.15	%	0.58	%
	2012	33	9.17		307		0.59	%	1.15	%	14.29	%
Morgan Stanley UIF U.S. Real Estate (Grandmaster )
	2016	5	36.07		194		0.81	%	1.35	%	5.11	%
	2015	6	34.32		197		1.19	%	1.35	%	0.55	%
	2014	10	34.13		341		1.13	%	1.35	%	27.68	%
	2013	7	26.73		183		0.81	%	1.35	%	0.38	%
	2012	12	26.63		320		0.67	%	1.35	%	14.05	%
Morgan Stanley UIF U.S. Real Estate (Grandmaster flex3 )
	2016	9	12.04		111		1.02	%	1.55	%	4.90	%
	2015	11	11.47		132		1.20	%	1.55	%	0.34	%
	2014	19	11.44		213		1.18	%	1.55	%	27.42	%
	2013	24	8.97		215		0.72	%	1.55	%	0.18	%
	2012	28	8.96		249		0.58	%	1.55	%	13.82	%
Morgan Stanley UIF U.S. Real Estate (IQ Annuity )
	2016	6	35.56		203		1.09	%	1.45	%	5.00	%
	2015	6	33.87		192		1.19	%	1.45	%	0.45	%
	2014	7	33.72		229		1.18	%	1.45	%	27.55	%
	2013	9	26.44		230		0.94	%	1.45	%	0.28	%
	2012	10	26.36		253		0.59	%	1.45	%	13.94	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

152

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 2 (continued):
Morgan Stanley UIF U.S. Real Estate (Pinnacle IV )
	2016	33	$	12.16	$	404	1.05	%	1.45	%	5.00	%
	2015	39	11.58		449		1.06	%	1.45	%	0.45	%
	2014	59	11.52		681		1.20	%	1.45	%	27.55	%
	2013	83	9.04		751		0.67	%	1.45	%	0.28	%
	2012	107	9.01		966		0.69	%	1.45	%	13.94	%
Morgan Stanley UIF U.S. Real Estate (Pinnacle V )
	2016	239	12.87		3,072		1.07	%	1.55	%	4.90	%
	2015	197	12.27		2,421		1.19	%	1.55	%	0.34	%
	2014	170	12.22		2,080		1.04	%	1.55	%	27.42	%
	2013	124	9.59		1,185		0.82	%	1.55	%	0.18	%
	2012	104	9.58		994		0.60	%	1.55	%	13.82	%
Non-Affiliated Class 3:
BlackRock Capital Appreciation VI (Advantedge)
	2016	8	13.61		115		—	%	1.60	%	(1.73	)%
	2015	9	13.85		122		—	%	1.60	%	4.91	%
	2014	10	13.20		130		—	%	1.60	%	6.82	%
	2013	10	12.36		120		2.83	%	1.60	%	31.26	%
	2012	8	9.42		75		0.67	%	1.60	%	11.74	%
BlackRock Capital Appreciation VI (AnnuiChoice II)
	2016	50	13.97		699		—	%	1.15	%	(1.28	)%
	2015	49	14.15		691		—	%	1.15	%	5.39	%
	2014	46	13.42		623		—	%	1.15	%	7.31	%
	2013	50	12.51		622		3.38	%	1.15	%	31.86	%
	2012	24	9.49		223		1.04	%	1.15	%	12.26	%
BlackRock Capital Appreciation VI (Annuichoice )
	2016	3	14.09		47		—	%	1.00	%	(1.13	)%
	2015	5	14.25		64		—	%	1.00	%	5.54	%
	2014	4	13.50		49		—	%	1.00	%	7.47	%
	2013	4	12.56		49		4.45	%	1.00	%	32.06	%
	2012	*-	9.51		1		1.24	%	1.00	%	12.43	%
BlackRock Capital Appreciation VI (Grandmaster flex3 )
	2016	2	13.65		31		—	%	1.55	%	(1.68	)%
	2015	2	13.88		29		—	%	1.55	%	4.96	%
	2014	2	13.23		28		—	%	1.55	%	32.26	%
BlackRock Capital Appreciation VI Class III (Grandmaster )
	2016	2	13.81		31		—	%	1.35	%	(1.48	)%
	2015	11	14.01		157		—	%	1.35	%	5.17	%
	2014	6	13.32		79		—	%	1.35	%	7.09	%
	2013	2	12.44		29		3.16	%	1.35	%	31.60	%
	2012	1	9.46		13		1.25	%	1.35	%	12.03	%
BlackRock Capital Appreciation VI Class III (Pinnacle )
	2016	3	13.81		39		—	%	1.35	%	(1.48	)%
	2015	3	14.01		41		—	%	1.35	%	5.17	%
	2014	3	13.32		46		—	%	1.35	%	7.09	%
	2013	3	12.44		41		2.98	%	1.35	%	31.60	%
	2012	2	9.46		22		1.08	%	1.35	%	12.03	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

153

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



						Investment
		Units	Unit	Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value	(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 3 (continued):
BlackRock Capital Appreciation VI Class III (Pinnacle IV )
	2016	7	13.73	$	95	—	%	1.45	%	(1.58	)%
	2015	7	13.95	95		—	%	1.45	%	5.07	%
	2014	7	13.28	99		—	%	1.45	%	6.98	%
	2013	2	12.41	20		1.50	%	1.45	%	31.46	%
	2012	4	9.44	40		0.56	%	1.45	%	11.92	%
BlackRock Capital Appreciation VI Class III (Pinnacle V )
	2016	297	13.65	4,048		—	%	1.55	%	(1.68	)%
	2015	177	13.88	2,453		—	%	1.55	%	4.96	%
	2014	145	13.23	1,920		—	%	1.55	%	6.87	%
	2013	121	12.38	1,491		3.13	%	1.55	%	31.33	%
	2012	73	9.42	692		1.06	%	1.55	%	11.80	%
BlackRock Global Allocation VI (Advantedge )
	2016	3	10.85	33		0.33	%	1.60	%	2.15	%
	2015	21	10.62	227		0.88	%	1.60	%	(2.58	)%
	2014	32	10.90	351		2.24	%	1.60	%	0.30	%
	2013	32	10.87	351		3.40	%	1.60	%	12.59	%
	2012	12	9.65	116		2.17	%	1.60	%	8.20	%
BlackRock Global Allocation VI (AnnuiChoice II)
	2016	81	11.13	901		1.26	%	1.15	%	2.61	%
	2015	79	10.85	855		1.07	%	1.15	%	(2.14	)%
	2014	72	11.09	798		2.23	%	1.15	%	0.76	%
	2013	73	11.00	808		2.43	%	1.15	%	13.10	%
	2012	73	9.73	707		1.61	%	1.15	%	8.70	%
BlackRock Global Allocation VI (Annuichoice )
	2016	13	11.23	147		1.17	%	1.00	%	2.77	%
	2015	16	10.93	171		1.34	%	1.00	%	(1.99	)%
	2014	7	11.15	81		1.87	%	1.00	%	0.91	%
	2013	22	11.05	238		2.54	%	1.00	%	13.27	%
	2012	19	9.75	188		2.92	%	1.00	%	8.86	%
BlackRock Global Allocation VI (Grandmaster flex3 )
	2016	11	10.88	117		0.86	%	1.55	%	2.20	%
	2015	16	10.65	166		1.06	%	1.55	%	(2.53	)%
	2014	15	10.92	165		3.19	%	1.55	%	0.35	%
	2013	11	10.88	118		3.04	%	1.55	%	12.64	%
	2012	6	9.66	58		1.53	%	1.55	%	8.26	%
BlackRock Global Allocation VI (Grandmaster )
	2016	7	11.01	78		1.38	%	1.35	%	2.40	%
	2015	6	10.75	67		1.47	%	1.35	%	(2.34	)%
	2014	3	11.00	30		2.28	%	1.35	%	0.56	%
	2013	3	10.94	27		2.67	%	1.35	%	12.87	%
	2012	2	9.70	19		1.52	%	1.35	%	8.48	%
BlackRock Global Allocation VI Class III (Pinnacle )
	2016	1	11.01	13		0.76	%	1.35	%	2.40	%
	2015	9	10.75	91		0.82	%	1.35	%	(2.34	)%
	2014	24	11.00	267		2.20	%	1.35	%	0.56	%
	2013	25	10.94	272		2.49	%	1.35	%	12.87	%
	2012	23	9.70	226		1.56	%	1.35	%	8.48	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

154

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 3 (continued):
BlackRock Global Allocation VI Class III (Pinnacle IV )
	2016	31	$	10.94	$	342	1.25	%	1.45	%	2.30	%
	2015	29	10.70		313		1.08	%	1.45	%	(2.44	)%
	2014	27	10.96		300		4.14	%	1.45	%	0.46	%
	2013	2	10.91		25		2.92	%	1.45	%	12.76	%
	2012	1	9.68		14		0.43	%	1.45	%	8.37	%
BlackRock Global Allocation VI Class III (Pinnacle V )
	2016	36	10.88		395		1.28	%	1.55	%	2.20	%
	2015	34	10.65		361		1.00	%	1.55	%	(2.53	)%
	2014	37	10.92		401		2.28	%	1.55	%	0.35	%
	2013	23	10.88		253		2.38	%	1.55	%	12.64	%
	2012	24	9.66		230		2.15	%	1.55	%	8.26	%
BlackRock High Yield VI Class III (Annuichoice )
	2016	1	10.65		7		0.75	%	1.00	%	6.52	%
BlackRock High Yield VI Class III (AnnuiChoice II)
	2016	*-	10.64		*-		—	%	1.15	%	6.41	%
BlackRock High Yield VI Class III (Pinnacle V )
	2016	2	10.61		26		2.29	%	1.55	%	6.12	%
BlackRock Total Return VI Class III (AnnuiChoice II)
	2016	7	9.87		64		1.12	%	1.15	%	(1.28	)%
BlackRock Total Return VI Class III (Pinnacle )
	2016	4	9.86		35		0.99	%	1.35	%	(1.42	)%
BlackRock Total Return VI Class III (Pinnacle V )
	2016	21	9.84		211		0.99	%	1.55	%	(1.55	)%
TOPS Managed Risk Moderate Growth ETF (AnnuiChoice II)
	2016	40	10.35		414		1.49	%	1.15	%	4.92	%
	2015	40	9.86		394		1.27	%	1.15	%	(7.54	)%
	2014	37	10.67		391		0.86	%	1.15	%	1.57	%
	2013	5	10.50		54		1.21	%	1.15	%	5.01	%
TOPS Managed Risk Moderate Growth ETF (Pinnacle V )
	2,016	2	10.23		16		1.52	%	1.55	%	4.61	%
	2015	2	9.78		16		1.24	%	1.55	%	(7.82	)%
	2014	2	10.61		19		2.53	%	1.55	%	6.12	%
TOPS Managed Risk Moderate Growth ETF (Advantedge )
	2016	29	10.18		296		1.29	%	1.60	%	4.45	%
	2015	16	9.74		160		1.38	%	1.60	%	(7.96	)%
	2,014	7	10.59		78		1.62	%	1.60	%	1.11	%
	2013	2	10.47		17		0.66	%	1.60	%	4.69	%
TOPS Managed Risk Moderate Growth ETF (Pinnacle IV )
	2016	279	10.19		2,845		2.07	%	1.45	%	4.50	%
	2015	161	9.76		1,569		1.43	%	1.45	%	(7.91	)%
	2014	87	10.59		923		2.24	%	1.45	%	5.94	%
TOPS Managed Risk Moderate Growth ETF (Grandmaster )
	2016	1	10.27		8		1.45	%	1.45	%	4.71	%
Non-Affiliated Class 4:
American Funds Bond (Pinnacle V )
	2016	59	9.82		580		1.60	%	1.15	%	(1.79	)%
American Funds Capital Income Builder (Pinnacle )
	2016	1	9.55		7		2.23	%	1.60	%	2.38	%


(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

155

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 4 (continued):
American Funds Capital Income Builder (Pinnacle IV )
	2016	2	$	9.53	$	16	3.14	%	1.45	%	2.28	%
	2015	*-	9.32		*-		0.95	%	1.45	%	(6.83	)%
American Funds Capital Income Builder (Pinnacle V )
	2016	33	9.51		311		3.68	%	1.55	%	2.18	%
	2015	7	9.31		61		1.88	%	1.55	%	(6.90	)%
American Funds Capital Income Builder (AnnuiChoice )
	2016	1	9.60		7		0.98	%	1.00	%	2.75	%
American Funds Capital Income Builder (AnnuiChoice II )
	2016	7	9.58		67		3.81	%	1.15	%	2.59	%
	2015	1	9.34		6		1.62	%	1.15	%	(6.64	)%
American Funds Global Growth (AdvantEdge )
	2016	5	10.90		50		0.51	%	1.60	%	(1.24	)%
	2015	13	11.04		144		2.00	%	1.60	%	4.98	%
American Funds Global Growth (AnnuiChoice )
	2016	32	11.11		354		0.75	%	1.00	%	(0.63	)%
	2015	29	11.18		326		2.78	%	1.00	%	5.62	%
American Funds Global Growth (AnnuiChoice II )
	2016	13	11.06		142		0.69	%	1.15	%	(0.78	)%
	2015	13	11.14		150		1.83	%	1.15	%	5.46	%
	2014	2	10.57		23		1.80	%	1.15	%	5.66	%
American Funds Global Growth (GrandMaster )
	2016	84	10.99		923		0.69	%	1.35	%	(0.98	)%
	2015	92	11.10		1,019		4.51	%	1.35	%	5.25	%
	2014	*-	10.54		1		1.50	%	1.35	%	5.43	%
American Funds Global Growth (GrandMaster flex3 )
	2016	3	10.92		35		0.44	%	1.55	%	(1.19	)%
	2015	13	11.05		141		1.57	%	1.55	%	5.04	%
American Funds Global Growth (Pinnacle )
	2016	1	10.99		12		0.55	%	1.35	%	(0.98	)%
	2015	4	11.10		40		1.39	%	1.35	%	5.25	%
	2014	1	10.54		8		2.07	%	1.35	%	5.43	%
American Funds Global Growth (Pinnacle IV )
	2016	205	10.95		2,240		0.69	%	1.45	%	(1.08	)%
	2015	226	11.07		2,504		4.58	%	1.45	%	5.14	%
	2014	2	10.53		20		2.23	%	1.45	%	5.32	%
American Funds Global Growth (Pinnacle V )
	2016	573	10.92		6,254		0.70	%	1.55	%	(1.19	)%
	2015	590	11.05		6,521		4.11	%	1.55	%	5.04	%
	2014	7	10.52		79		2.08	%	1.55	%	5.21	%
American Funds Growth (AdvantEdge )
	2016	18	12.52		225		1.03	%	1.60	%	7.47	%
	2015	4	11.65		43		2.01	%	1.60	%	4.88	%
	2014	1	11.11		12		1.49	%	1.60	%	11.08	%
American Funds Growth (AnnuiChoice )
	2016	2	12.76		29		0.65	%	1.00	%	8.13	%
	2015	2	11.80		18		0.97	%	1	%	5.52	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

156

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 4 (continued):
American Funds Growth (AnnuiChoice II )
	2016	9	$	12.70	$	115	0.59	%	1.00	%	7.96	%
	2015	9	11.76		111		0.85	%	1.00	%	5.36	%
	2014	4	11.16		43		2.72	%	1.00	%	11.62	%
American Funds Growth (GrandMaster )
	2016	2	12.62		25		0.57	%	1.35	%	7.74	%
	2015	2	11.71		27		1.36	%	1.35	%	5.15	%
	2014	1	11.14		12		1.53	%	1.35	%	11.38	%
American Funds Growth (GrandMaster flex3 )
	2016	1	12.54		12		0.59	%	1.55	%	7.53	%
	2015	1	11.66		11		0.80	%	1.55	%	4.93	%
	2014	1	11.11		11		1.30	%	1.55	%	11.14	%
American Funds Growth (Pinnacle )
	2016	2	12.62		31		0.58	%	1.35	%	7.74	%
	2015	3	11.71		32		1.04	%	1.35	%	5.15	%
	2014	1	11.14		11		1.75	%	1.35	%	11.38	%
American Funds Growth (Pinnacle IV )
	2016	8	12.58		101		0.59	%	1.45	%	7.64	%
	2015	7	11.69		87		1.27	%	1.45	%	5.04	%
	2014	3	11.13		33		3.81	%	1.45	%	11.26	%
American Funds Growth (Pinnacle V )
	2016	148	12.54		1,858		0.75	%	1.55	%	7.53	%
	2015	61	11.66		708		0.76	%	1.55	%	4.93	%
	2014	44	11.11		491		2.65	%	1.55	%	11.14	%
American Funds Growth-Income (AdvantEdge )
	2016	10	12.36		121		1.03	%	1.60	%	9.48	%
	2015	17	11.29		193		2.42	%	1.60	%	(0.41	)%
	2014	5	11.33		62		1.50	%	1.60	%	13.35	%
American Funds Growth-Income (AnnuiChoice )
	2016	53	12.59		665		1.56	%	1.00	%	10.14	%
	2015	41	11.43		470		6.14	%	1.00	%	0.20	%
	2014	1	11.41		10		2.56	%	1.00	%	14.07	%
American Funds Growth-Income (AnnuiChoice II )
	2016	20	12.53		247		1.57	%	1.00	%	9.98	%
	2015	11	11.39		129		2.40	%	1.00	%	0.05	%
	2014	2	11.39		24		2.08	%	1.00	%	13.89	%
American Funds Growth-Income (GrandMaster )
	2016	100	12.45		1,242		1.27	%	1.35	%	9.76	%
	2015	107	11.35		1,212		5.50	%	1.35	%	(0.15	)%
	2014	6	11.37		71		3.56	%	1.35	%	13.65	%
American Funds Growth-Income (GrandMaster flex3 )
	2016	49	12.38		602		2.91	%	1.55	%	9.53	%
	2015	13	11.30		149		2.30	%	1.55	%	(0.36	)%
	2014	3	11.34		29		6.49	%	1.55	%	13.41	%
American Funds Growth-Income (Pinnacle )
	2016	12	12.45		149		6.71	%	1.35	%	9.76	%
	2015	*-	11.35		3		0.53	%	1.35	%	(0.15	)%
	2014	2	11.37		22		1.97	%	1.35	%	13.65	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

157

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class 4 (continued):
American Funds Growth-Income (Pinnacle IV )
	2016	263	$	12.42	$	3,271	1.29	%	1.45	%	9.64	%
	2015	280	11.32		3,167		5.82	%	1.45	%	(0.26	)%
	2014	5	11.35		54		3.63	%	1.45	%	13.53	%
American Funds Growth-Income (Pinnacle V )
	2016	769	12.38		9,521		1.34	%	1.55	%	9.53	%
	2015	713	11.30		8,058		4.27	%	1.55	%	(0.36	)%
	2014	76	11.34		860		2.11	%	1.55	%	13.41	%
American Funds New World (AdvantEdge )
	2016	2	9.16		21		0.46	%	1.60	%	3.36	%
	2015	4	8.86		35		0.68	%	1.60	%	(4.92	)%
	2014	2	9.32		16		1.39	%	1.60	%	(6.79	)%
American Funds New World (AnnuiChoice )
	2016	1	9.33		5		0.63	%	1.00	%	3.99	%
	2015	1	8.97		5		0.55	%	1.00	%	(4.34	)%
	2014	1	9.38		5		1.44	%	1.00	%	(6.19	)%
American Funds New World (AnnuiChoice II )
	2016	6	9.29		59		0.92	%	1.00	%	3.84	%
	2015	1	8.95		13		0.60	%	1.00	%	(4.48	)%
	2014	1	9.37		5		1.44	%	1.00	%	(6.34	)%
American Funds New World (GrandMaster )
	2016	*-	9.23		4		0.33	%	1.35	%	3.63	%
	2015	4	8.91		31		0.36	%	1.35	%	(4.68	)%
American Funds New World (GrandMaster flex3 )
	2016	3	9.17		29		0.63	%	1.55	%	3.42	%
	2015	3	8.87		29		0.54	%	1.55	%	(4.87	)%
	2014	1	9.33		12		1.51	%	1.55	%	(6.74	)%
American Funds New World (Pinnacle IV )
	2016	4	9.20		38		0.63	%	1.55	%	3.52	%
	2015	5	8.89		42		0.58	%	1.55	%	(4.77	)%
American Funds New World (Pinnacle V )
	2016	23	9.17		209		0.85	%	1.55	%	3.42	%
	2015	8	8.87		71		0.60	%	1.55	%	(4.87	)%
	2014	4	9.33		37		2.07	%	1.55	%	(6.74	)%
Non-Affiliated Class A:
Deutsche Small Cap Index VIP (Pinnacle )
	2016	19	27.17		512		1.09	%	1.35	%	19.39	%
	2015	20	22.75		448		1.02	%	1.35	%	(5.88	)%
	2014	23	24.18		548		0.95	%	1.35	%	3.33	%
	2013	25	23.40		581		2.02	%	1.35	%	36.77	%
	2012	33	17.11		569		0.95	%	1.35	%	14.68	%
Deutsche Small Cap Index VIP (Pinnacle IV )
	2016	1	26.09		28		1.07	%	1.45	%	19.27	%
	2015	1	21.87		23		0.97	%	1.45	%	(5.98	)%
	2014	1	23.27		34		0.96	%	1.45	%	3.22	%
	2013	1	22.54		34		2.48	%	1.45	%	36.63	%
	2012	3	16.50		52		1.11	%	1.45	%	14.56	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

158

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class B:
Deutsche Small Cap Index (AdvantEdge )
	2016	1	$	18.36	$	23	—	%	1.60	%	18.78	%
	2013	3	16.06		56		2.44	%	1.60	%	36.10	%
	2012	4	11.80		51		1.98	%	1.60	%	14.02	%
Deutsche Small Cap Index (AnnuiChoice II )
	2016	8	18.23		148		0.85	%	1.15	%	19.32	%
	2015	8	15.28		116		0.80	%	1.15	%	(5.95	)%
	2014	13	16.25		204		0.71	%	1.15	%	3.27	%
	2013	13	15.73		203		1.42	%	1.15	%	36.72	%
	2012	12	11.51		137		0.65	%	1.15	%	14.54	%
Deutsche Small Cap Index (AnnuiChoice )
	2016	3	26.25		82		0.98	%	1.00	%	19.50	%
	2015	5	21.97		99		1.00	%	1.00	%	(5.81	)%
	2014	13	23.32		292		0.74	%	1.00	%	3.43	%
	2013	14	22.55		314		1.51	%	1.00	%	36.93	%
	2012	14	16.47		234		0.65	%	1.00	%	14.71	%
Deutsche Small Cap Index (GrandMaster flex3 )
	2016	3	24.01		72		0.72	%	1.55	%	18.84	%
	2015	3	20.21		51		0.74	%	1.55	%	(6.33	)%
	2014	2	21.57		51		0.71	%	1.55	%	2.86	%
	2013	7	20.97		142		0.68	%	1.55	%	36.17	%
	2012	4	15.40		64		0.53	%	1.55	%	14.07	%
Deutsche Small Cap Index (Grandmaster )
	2016	6	22.49		124		0.83	%	1.35	%	19.08	%
	2015	6	18.89		118		0.82	%	1.35	%	(6.14	)%
	2014	7	20.12		145		0.76	%	1.35	%	3.07	%
	2013	12	19.53		231		1.36	%	1.35	%	36.44	%
	2012	8	14.31		121		0.62	%	1.35	%	14.31	%
Deutsche Small Cap Index (IQ3 )
	2016	4	24.36		89		0.83	%	1.45	%	18.96	%
	2015	5	20.48		102		0.78	%	1.45	%	(6.23	)%
	2014	6	21.84		141		0.80	%	1.45	%	2.96	%
	2013	7	21.21		159		1.89	%	1.45	%	36.30	%
	2012	15	15.56		229		0.71	%	1.45	%	14.19	%
Deutsche Small Cap Index (Pinnacle Plus Reduced M&E )
	2016	1	19.07		10		0.82	%	1.15	%	19.32	%
	2015	1	15.98		9		0.51	%	1.15	%	(5.95	)%
	2014	2	16.99		26		0.66	%	1.15	%	3.27	%
	2013	1	16.45		22		—	%	1.15	%	36.72	%
Deutsche Small Cap Index (Pinnacle Plus )
	2016	2	24.96		38		0.94	%	1.67	%	18.69	%
	2015	3	21.03		53		0.81	%	1.67	%	(6.44	)%
	2014	2	22.48		48		0.74	%	1.67	%	2.73	%
	2013	2	21.88		52		1.84	%	1.67	%	36.00	%
	2012	4	16.09		62		0.64	%	1.67	%	13.94	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

159

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Non-Affiliated Class B (continued):
Deutsche Small Cap Index VIP (Pinnacle IV )
	2016	11	$	24.36	$	264	0.84	%	1.45	%	18.96	%
	2015	13	20.48		257		0.77	%	1.45	%	(6.23	)%
	2014	14	21.84		308		0.74	%	1.45	%	2.96	%
	2013	17	21.21		369		1.49	%	1.45	%	36.30	%
	2012	20	15.56		308		0.68	%	1.45	%	14.19	%
Deutsche Small Cap Index VIP (Pinnacle V )
	2016	49	15.43		763		0.58	%	1.55	%	18.84	%
	2015	25	12.98		328		0.82	%	1.55	%	(6.33	)%
	2014	29	13.86		401		0.70	%	1.55	%	2.86	%
	2013	32	13.48		434		1.35	%	1.55	%	36.17	%
	2012	29	9.90		288		0.60	%	1.55	%	14.07	%
Advisor Class:
Pimco VIT All Asset (AdvantEdge )
	2016	8	12.06		93		2.69	%	1.60	%	11.10	%
	2015	6	10.86		66		2.47	%	1.60	%	(10.64	)%
	2014	12	12.15		150		4.79	%	1.60	%	(1.15	)%
	2013	14	12.29		174		4.71	%	1.60	%	(1.49	)%
	2012	14	12.48		168		5.82	%	1.60	%	12.96	%
Pimco VIT All Asset (IQ Annuity )
	2016	27	12.12		323		2.64	%	1.45	%	11.27	%
	2015	25	10.89		268		3.11	%	1.45	%	(10.50	)%
	2014	28	12.17		338		5.13	%	1.45	%	(1.00	)%
	2013	26	12.29		321		4.56	%	1.45	%	(1.34	)%
	2012	26	12.46		328		5.33	%	1.45	%	13.14	%
Pimco VIT All Asset (Pinnacle )
	2016	14	12.22		165		2.61	%	1.35	%	11.38	%
	2015	11	10.97		123		2.32	%	1.35	%	(10.41	)%
	2014	22	12.25		269		4.92	%	1.35	%	(0.90	)%
	2013	28	12.36		344		4.27	%	1.35	%	(1.24	)%
	2012	39	12.52		491		5.34	%	1.35	%	13.25	%
Pimco VIT All Asset (AnnuiChoice II )
	2016	10	12.55		131		2.48	%	1.15	%	11.61	%
	2015	12	11.24		137		3.04	%	1.15	%	(10.23	)%
	2014	15	12.52		183		4.77	%	1.15	%	(0.70	)%
	2013	22	12.61		282		4.48	%	1.15	%	(1.04	)%
	2012	22	12.74		280		4.95	%	1.15	%	13.48	%
Pimco VIT All Asset (AnnuiChoice )
	2016	2	12.60		23		2.19	%	1.00	%	11.78	%
	2015	4	11.28		42		2.30	%	1.00	%	(10.10	)%
	2014	14	12.54		177		4.69	%	1.00	%	(0.55	)%
	2013	28	12.61		354		5.04	%	1.00	%	(0.89	)%
	2012	22	12.72		277		4.88	%	1	%	13.65	%
Pimco VIT All Asset (GrandMaster flex3 )
	2016	17	12.01		204		2.72	%	1.55	%	11.16	%
	2015	9	10.80		102		2.68	%	1.55	%	(10.59	)%
	2014	19	12.08		227		4.20	%	1.55	%	(1.10	)%
	2013	32	12.22		434		4.26	%	1.55	%	(1.44	)%
	2012	30	12.40		376		4.67	%	1.55	%	13.02	%
(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

160

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT All Asset (Grandmaster )
	2016	10	$	12.22	$	122	2.40	%	1.35	%	11.38	%
	2015	10	10.97		105		1.67	%	1.35	%	(10.41	)%
	2014	33	12.25		401		5.02	%	1.35	%	(0.90	)%
	2013	35	12.36		387		3.83	%	1.35	%	(1.24	)%
	2012	55	12.52		693		5.35	%	1.35	%	13.25	%
Pimco VIT All Asset (Pinnacle IV )
	2016	12	12.21		152		2.57	%	1.45	%	11.27	%
	2015	12	10.98		132		2.45	%	1.45	%	(10.50	)%
	2014	30	12.26		363		4.47	%	1.45	%	(1.00	)%
	2013	42	12.39		520		4.57	%	1.45	%	(1.34	)%
	2012	37	12.56		465		4.54	%	1.45	%	13.14	%
Pimco VIT All Asset (Pinnacle Plus Reduced M&E )
	2016	1	11.18		13		2.54	%	1.15	%	11.61	%
	2015	1	10.02		11		1.70	%	1.15	%	(10.23	)%
Pimco VIT All Asset (Pinnacle Plus )
	2016	1	11.88		10		1.43	%	1.15	%	11.02	%
	2014	2	11.99		21		4.94	%	1.15	%	(1.22	)%
	2013	2	12.14		22		4.48	%	1.15	%	(1.56	)%
	2012	2	12.33		23		4.75	%	1.15	%	12.88	%
Pimco VIT All Asset (Pinnacle V )
	2016	50	12.10		610		2.64	%	1.55	%	11.16	%
	2015	15	10.89		162		2.19	%	1.55	%	(10.59	)%
	2014	34	12.18		419		5.10	%	1.55	%	(1.10	)%
	2013	34	12.31		413		4.57	%	1.55	%	(1.44	)%
	2012	29	12.49		366		5.21	%	1.55	%	13.02	%
Pimco VIT Foreign Bond (AnnuiChoice )
	2016	*-	10.30		3		0.79	%	1.15	%	2.96	%
Pimco VIT Foreign Bond (Pinnacle V )
	2016	1	10.26		10		0.84	%	1.15	%	2.57	%
Pimco VIT Commodity Real Return (Pinnacle )
	2016	5	4.33		20		1.01	%	1.35	%	13.32	%
	2015	3	3.82		11		5.57	%	1.35	%	(26.67	)%
	2014	4	5.21		23		0.24	%	1.35	%	(19.72	)%
	2013	9	6.49		61		2.07	%	1.35	%	(15.87	)%
	2012	14	7.71		109		2.57	%	1.35	%	3.70	%
Pimco VIT Commodity Real Return (Pinnacle IV )
	2016	11	4.32		48		0.99	%	1.45	%	13.21	%
	2015	14	3.82		55		6.10	%	1.45	%	(26.74	)%
	2014	37	5.21		190		0.25	%	1.45	%	(19.80	)%
	2013	51	6.50		333		1.75	%	1.45	%	(15.95	)%
	2012	69	7.73		535		2.15	%	1.45	%	3.59	%
Pimco VIT Commodity Real Return (Pinnacle II Reduced M&E )
	2016	*-	4.38		2		0.51	%	1.10	%	13.61	%
	2015	*-	3.86		2		4.53	%	1.10	%	(26.48	)%
	2014	1	5.25		3		0.26	%	1.10	%	(19.52	)%
	2013	1	6.52		4		1.66	%	1.1	%	(15.65	)%
	2012	1	7.73		5		4.98	%	1.1	%	(1.06	)%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

161

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Commodity Real Return (Pinnacle V )
	2016	353	$	4.28	$	1,511	1.06	%	1.55	%	13.09	%
	2015	254	3.79		963		3.80	%	1.55	%	(26.82	)%
	2014	167	5.18		864		0.27	%	1.55	%	(19.88	)%
	2013	145	6.46		938		1.64	%	1.55	%	(16.04	)%
	2012	134	7.70		1,027		2.32	%	1.55	%	3.49	%
Pimco VIT Commodity Real Return Strategy (AdvantEdge )
	2016	72	4.27		308		0.99	%	1.60	%	13.04	%
	2015	75	3.78		282		4.38	%	1.60	%	(26.85	)%
	2014	64	5.16		328		0.26	%	1.60	%	(19.92	)%
	2013	61	6.45		395		1.72	%	1.60	%	(16.08	)%
	2012	60	7.68		459		2.43	%	1.60	%	3.43	%
Pimco VIT Commodity Real Return Strategy (AnnuiChoice II )
	2016	65	4.44		288		1.02	%	1.15	%	13.55	%
	2015	51	3.91		198		4.32	%	1.15	%	(26.52	)%
	2014	44	5.32		232		0.26	%	1.15	%	(19.56	)%
	2013	43	6.62		282		1.48	%	1.15	%	(15.70	)%
	2012	39	7.85		307		2.68	%	1.15	%	3.91	%
Pimco VIT Commodity Real Return Strategy (AnnuiChoice )
	2016	2	4.47		10		0.98	%	1.00	%	13.72	%
	2015	7	3.93		27		4.48	%	1.00	%	(26.41	)%
	2014	7	5.34		37		0.26	%	1.00	%	(19.43	)%
	2013	8	6.62		50		1.91	%	1.00	%	(15.57	)%
	2012	13	7.84		103		2.53	%	1.00	%	4.07	%
Pimco VIT Commodity Real Return Strategy (Grandmaster )
	2016	7	4.33		31		0.91	%	1.35	%	13.32	%
	2015	7	3.82		26		4.26	%	1.35	%	(26.67	)%
	2014	6	5.21		29		0.26	%	1.35	%	(19.72	)%
	2013	7	6.49		47		1.31	%	1.35	%	(15.87	)%
	2012	10	7.71		78		2.63	%	1.35	%	3.70	%
Pimco VIT Commodity Real Return Strategy (IQ Annuity )
	2016	30	4.29		128		1.01	%	1.45	%	13.21	%
	2015	13	3.79		51		4.47	%	1.45	%	(26.74	)%
	2014	58	5.18		302		0.26	%	1.45	%	(19.80	)%
	2013	68	6.45		442		2.43	%	1.45	%	(15.95	)%
	2012	30	7.68		231		1.98	%	1.45	%	3.59	%
Pimco VIT Commodity Real Return Strategy (GrandMaster flex3 )
	2016	15	4.25		65		0.99	%	1.55	%	13.09	%
	2015	9	3.76		36		4.67	%	1.55	%	(26.82	)%
	2014	10	5.14		52		0.21	%	1.55	%	(19.88	)%
	2013	30	6.42		192		1.79	%	1.55	%	(16.04	)%
	2012	37	7.64		284		2.57	%	1.55	%	3.49	%
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus Reduced M&E )
	2016	1	5.79		5		1.18	%	1.15	%	13.55	%
	2015	1	5.10		5		3.41	%	1.15	%	(26.52	)%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

162

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Commodity Real Return Strategy (Pinnacle Plus )
	2016	3	$	4.21	$	11	0.95	%	1.67	%	12.96	%
	2015	3	3.73		12		4.46	%	1.67	%	(26.90	)%
	2014	5	5.10		25		0.27	%	1.67	%	(19.98	)%
	2013	4	6.37		27		1.95	%	1.67	%	(16.14	)%
	2012	14	7.60		106		2.75	%	1.67	%	3.36	%
Pimco VIT Long Term Government (IQ Annuity )
	2016	1	9.96		11		1.86	%	1.45	%	(0.78	)%
	2015	*-	10.04		1		1.37	%	1.45	%	(2.80	)%
Pimco VIT Long Term Government (Pinnacle )
	2016	3	9.96		25		1.90	%	1.35	%	(0.78	)%
	2015	3	10.04		27		1.83	%	1.35	%	(2.80	)%
	2013	9	8.45		74		9.97	%	1.35	%	(15.48	)%
Pimco VIT Long Term Government (Pinnacle V )
	2016	7	9.93		67		1.85	%	1.55	%	(0.88	)%
	2015	1	10.01		7		1.92	%	1.55	%	(2.90	)%
Pimco VIT Long Term Government (Pinnacle IV )
	2016	28	9.89		278		1.80	%	1.45	%	(0.98	)%
	2015	20	9.99		197		2.00	%	1.45	%	(3.00	)%
	2014	1	10.30		13		2.22	%	1.45	%	2.95	%
Pimco VIT Long Term Government (Annuichoice )
	2016	2	10.09		18		1.87	%	1.00	%	(0.43	)%
	2015	3	10.14		27		1.95	%	1.00	%	(2.46	)%
	2014	4	10.39		42		2.09	%	1.00	%	3.91	%
Pimco VIT Long Term Government (AnnuiChoice II )
	2016	4	10.04		45		1.87	%	1.15	%	(0.58	)%
	2015	3	10.10		30		2.13	%	1.15	%	(2.60	)%
	2014	*-	10.37		2		2.18	%	1.15	%	22.47	%
	2013	*-	8.46		2		9.64	%	1.15	%	(15.36	)%
Pimco VIT Low Duration (AnnuiChoice II )
	2016	100	11.46		1,141		1.38	%	1.15	%	0.14	%
	2015	137	11.44		1,569		3.38	%	1.15	%	(0.93	)%
	2014	168	11.55		1,939		1.04	%	1.15	%	(0.41	)%
	2013	112	11.60		1,304		1.38	%	1.15	%	(1.38	)%
	2012	204	11.76		2,401		1.21	%	1.15	%	4.52	%
Pimco VIT Low Duration (AnnuiChoice )
	2016	5	11.64		62		1.39	%	1.00	%	0.29	%
	2015	10	11.61		116		2.99	%	1.00	%	(0.78	)%
	2014	14	11.70		169		1.01	%	1.00	%	(0.26	)%
	2013	21	11.73		247		1.21	%	1.00	%	(1.23	)%
	2012	49	11.88		576		1.83	%	1.00	%	4.68	%
Pimco VIT Low Duration (GrandMaster flex3 )
	2016	37	11.10		413		1.32	%	1.55	%	(0.26	)%
	2015	450	11.13		5,010		2.97	%	1.55	%	(1.33	)%
	2014	953	11.28		10,741		1.11	%	1.55	%	(0.81	)%
	2013	28	11.37		322		6.63	%	1.55	%	(1.78	)%
	2012	24	11.57		273		8.13	%	1.55	%	4.1	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

163

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Low Duration (Grandmaster )
	2016	28	$	11.29	$	320	1.34	%	1.35	%	(0.06	)%
	2015	55	11.30		619		3.41	%	1.35	%	(1.13	)%
	2014	90	11.43		1,033		1.05	%	1.35	%	(0.61	)%
	2013	40	11.50		460		1.50	%	1.35	%	(1.58	)%
	2012	24	11.68		277		2.65	%	1.35	%	4.31	%
Pimco VIT Low Duration (IQ Annuity )
	2016	19	11.19		211		1.30	%	1.45	%	(0.16	)%
	2015	74	11.21		831		3.31	%	1.45	%	(1.23	)%
	2014	98	11.35		1,108		1.09	%	1.45	%	(0.71	)%
	2013	24	11.43		275		1.81	%	1.45	%	(1.68	)%
	2012	42	11.63		492		2.13	%	1.45	%	4.21	%
Pimco VIT Low Duration (Pinnacle )
	2016	11	11.29		122		1.28	%	1.35	%	(0.06	)%
	2015	195	11.30		2,199		3.59	%	1.35	%	(1.13	)%
	2014	411	11.43		4,697		1.11	%	1.35	%	(0.61	)%
	2013	21	11.50		245		3.66	%	1.35	%	(1.58	)%
	2012	27	11.68		314		4.54	%	1.35	%	4.31	%
Pimco VIT Low Duration (Pinnacle IV )
	2016	15	11.16		168		1.36	%	1.45	%	(0.16	)%
	2015	18	11.17		200		3.61	%	1.45	%	(1.23	)%
	2014	33	11.31		379		1.04	%	1.45	%	(0.71	)%
	2013	14	11.39		156		1.80	%	1.45	%	(1.68	)%
	2012	12	11.59		144		1.92	%	1.45	%	4.21	%
Pimco VIT Low Duration (AdvantEdge )
	2016	7	11.02		73		1.39	%	1.60	%	(0.32	)%
	2015	7	11.05		73		3.02	%	1.60	%	(1.38	)%
	2014	8	11.21		87		1.06	%	1.60	%	(0.86	)%
	2013	4	11.30		47		1.23	%	1.60	%	(1.83	)%
	2012	8	11.52		92		1.82	%	1.60	%	4.05	%
Pimco VIT Low Duration (Pinnacle Plus Reduced M&E )
	2016	4	10.09		37		1.35	%	1.15	%	0.14	%
	2015	4	10.08		37		4.50	%	1.15	%	(0.93	)%
	2014	1	10.17		12		1.31	%	1.15	%	(0.41	)%
	2013	*-	10.21		2		0.10	%	1.15	%	(1.38	)%
Pimco VIT Low Duration (Pinnacle Plus )
	2016	3	10.98		28		1.42	%	1.67	%	(0.39	)%
	2015	4	11.02		40		3.14	%	1.67	%	(1.45	)%
	2014	4	11.18		46		1.02	%	1.67	%	(0.93	)%
	2013	6	11.29		65		1.50	%	1.67	%	(1.90	)%
	2012	10	11.51		113		1.65	%	1.67	%	3.97	%
Pimco VIT Low Duration (Pinnacle V )
	2016	257	11.06		2,837		1.40	%	1.55	%	(0.26	)%
	2015	88	11.09		975		4.15	%	1.55	%	(1.33	)%
	2014	43	11.23		486		1.03	%	1.55	%	(0.81	)%
	2013	48	11.33		544		1.32	%	1.55	%	(1.78	)%
	2012	35	11.53		404		1.49	%	1.55	%	4.10	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

164

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Real Return (Pinnacle IV )
	2016	9	$	11.70	$	108	2.19	%	1.45	%	3.57	%
	2015	12	11.30		131		3.84	%	1.45	%	(4.21	)%
	2014	13	11.79		150		1.40	%	1.45	%	1.50	%
	2013	22	11.62		253		1.29	%	1.45	%	(10.62	)%
	2012	45	13.00		587		0.96	%	1.45	%	7.06	%
Pimco VIT Real Return (AdvantEdge )
	2016	2	11.55		26		2.12	%	1.60	%	3.41	%
	2015	4	11.17		49		3.11	%	1.60	%	(4.36	)%
	2014	6	11.68		73		1.29	%	1.60	%	1.34	%
	2013	7	11.53		84		1.24	%	1.60	%	(10.76	)%
	2012	16	12.92		202		1.10	%	1.60	%	6.90	%
Pimco VIT Real Return (AnnuiChoice II )
	2016	21	12.02		252		2.19	%	1.15	%	3.88	%
	2015	22	11.57		258		3.35	%	1.15	%	(3.92	)%
	2014	30	12.04		359		1.27	%	1.15	%	1.81	%
	2013	42	11.83		502		1.73	%	1.15	%	(10.35	)%
	2012	53	13.19		703		1.07	%	1.15	%	7.39	%
Pimco VIT Real Return (AnnuiChoice )
	2016	10	12.19		118		2.16	%	1.00	%	4.04	%
	2015	11	11.71		124		3.69	%	1.00	%	(3.77	)%
	2014	13	12.17		157		1.39	%	1.00	%	1.96	%
	2013	16	11.94		197		0.97	%	1.00	%	(10.21	)%
	2012	49	13.30		657		0.99	%	1.00	%	7.55	%
Pimco VIT Real Return (GrandMaster flex3 )
	2016	3	11.61		36		2.20	%	1.55	%	3.46	%
	2015	4	11.22		49		3.13	%	1.55	%	(4.31	)%
	2014	5	11.73		64		1.53	%	1.55	%	1.39	%
	2013	16	11.57		182		1.61	%	1.55	%	(10.71	)%
	2012	23	12.96		294		0.99	%	1.55	%	6.95	%
Pimco VIT Real Return (Grandmaster )
	2016	6	11.82		76		2.17	%	1.35	%	3.67	%
	2015	6	11.40		74		3.46	%	1.35	%	(4.11	)%
	2014	8	11.89		98		1.31	%	1.35	%	1.60	%
	2013	8	11.70		97		0.67	%	1.35	%	(10.53	)%
	2012	43	13.08		568		1.12	%	1.35	%	7.17	%
Pimco VIT Real Return (IQ Annuity )
	2016	10	11.72		120		2.20	%	1.45	%	3.57	%
	2015	10	11.31		108		3.34	%	1.45	%	(4.21	)%
	2014	14	11.81		169		1.42	%	1.45	%	1.50	%
	2013	22	11.63		261		1.50	%	1.45	%	(10.62	)%
	2012	36	13.02		473		0.94	%	1.45	%	7.06	%
Pimco VIT Real Return (Pinnacle )
	2016	2	11.82		18		2.17	%	1.35	%	3.67	%
	2015	2	11.40		18		1.28	%	1.35	%	(4.11	)%
	2014	15	11.89		173		1.32	%	1.35	%	1.60	%
	2013	19	11.70		223		2.13	%	1.35	%	(10.53	)%
	2012	17	13.08		216		1.04	%	1.35	%	7.17	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

165

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Real Return (Pinnacle Plus Reduced M&E )
	2016	3	$	10.35	$	29	2.18	%	1.15	%	3.88	%
	2015	3	9.97		28		6.28	%	1.15	%	(3.92	)%
	2014	1	10.37		13		1.40	%	1.15	%	1.81	%
	2013	1	10.19		7		3.74	%	1.15	%	(10.35	)%
Pimco VIT Real Return (Pinnacle Plus )
	2016	4	11.49		47		3.02	%	1.67	%	3.34	%
	2015	*-	11.12		6		1.14	%	1.67	%	(4.42	)%
	2014	3	11.63		39		1.21	%	1.67	%	1.27	%
	2013	7	11.49		79		1.37	%	1.67	%	(10.82	)%
	2012	13	12.88		164		1.06	%	1.67	%	6.82	%
Pimco VIT Real Return (Pinnacle V )
	2016	33	11.60		387		2.20	%	1.55	%	3.46	%
	2015	33	11.21		371		3.92	%	1.55	%	(4.31	)%
	2014	43	11.71		507		1.26	%	1.55	%	1.39	%
	2013	46	11.55		534		2.04	%	1.55	%	(10.71	)%
	2012	42	12.94		550		0.97	%	1.55	%	6.95	%
Pimco VIT Total Return (Pinnacle V )
	2016	1,996	13.10		26,151		1.98	%	1.55	%	0.99	%
	2015	1,814	12.97		23,539		4.80	%	1.55	%	(1.19	)%
	2014	1,823	13.13		23,938		2.19	%	1.55	%	2.56	%
	2013	1,409	12.80		18,043		2.56	%	1.55	%	(3.58	)%
	2012	1,129	13.28		14,991		2.42	%	1.55	%	7.79	%
Pimco VIT Total Return (AdvantEdge )
	2016	375	13.06		4,892		1.99	%	1.60	%	0.93	%
	2015	469	12.94		6,065		4.78	%	1.60	%	(1.24	)%
	2014	517	13.10		6,765		2.11	%	1.60	%	2.51	%
	2013	511	12.78		6,523		2.48	%	1.60	%	(3.62	)%
	2012	538	13.26		7,128		2.50	%	1.60	%	7.73	%
Pimco VIT Total Return (AnnuiChoice II )
	2016	323	13.58		4,386		1.98	%	1.15	%	1.40	%
	2015	301	13.39		4,028		5.05	%	1.15	%	(0.79	)%
	2014	253	13.50		3,421		2.12	%	1.15	%	2.98	%
	2013	260	13.11		3,403		2.60	%	1.15	%	(3.18	)%
	2012	204	13.54		2,761		2.60	%	1.15	%	8.23	%
Pimco VIT Total Return (AnnuiChoice )
	2016	39	13.56		530		1.99	%	1.00	%	1.55	%
	2015	43	13.36		580		4.09	%	1.00	%	(0.63	)%
	2014	72	13.44		963		2.03	%	1.00	%	3.13	%
	2013	86	13.03		1,119		2.29	%	1.00	%	(3.04	)%
	2012	140	13.44		1,878		2.71	%	1.00	%	8.39	%
Pimco VIT Total Return (GrandMaster flex3 )
	2016	31	12.92		395		1.99	%	1.55	%	0.99	%
	2015	33	12.80		425		4.14	%	1.55	%	(1.19	)%
	2014	46	12.95		597		1.92	%	1.55	%	2.56	%
	2013	74	12.63		935		1.99	%	1.55	%	(3.58	)%
	2012	145	13.10		1,904		3.80	%	1.55	%	7.79	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

166

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Advisor Class (continued):
Pimco VIT Total Return (Grandmaster )
	2016	37	$	13.15	$	481	1.98	%	1.35	%	1.19	%
	2015	39	13.00		512		3.42	%	1.35	%	(0.99	)%
	2014	143	13.13		1,882		2.12	%	1.35	%	2.77	%
	2013	144	12.78		1,845		2.50	%	1.35	%	(3.38	)%
	2012	194	13.22		2,569		2.50	%	1.35	%	8.01	%
Pimco VIT Total Return (IQ Annuity )
	2016	63	13.04		823		1.98	%	1.45	%	1.09	%
	2015	72	12.90		935		4.61	%	1.45	%	(1.09	)%
	2014	68	13.04		893		2.10	%	1.45	%	2.66	%
	2013	69	12.70		873		2.19	%	1.45	%	(3.48	)%
	2012	103	13.16		1,360		3.12	%	1.45	%	7.90	%
Pimco VIT Total Return (Pinnacle )
	2016	65	13.15		855		1.99	%	1.35	%	1.19	%
	2015	76	13.00		991		4.62	%	1.35	%	(0.99	)%
	2014	83	13.13		1,092		2.08	%	1.35	%	2.77	%
	2013	86	12.78		1,104		2.35	%	1.35	%	(3.38	)%
	2012	140	13.22		1,853		2.49	%	1.35	%	8.01	%
Pimco VIT Total Return (Pinnacle IV )
	2016	42	13.22		552		1.99	%	1.45	%	1.09	%
	2015	49	13.08		637		3.21	%	1.45	%	(1.09	)%
	2014	239	13.22		3,162		2.06	%	1.45	%	2.67	%
	2013	283	12.88		3,651		2.42	%	1.45	%	(3.48	)%
	2012	401	13.34		5,348		2.61	%	1.45	%	7.90	%
Pimco VIT Total Return (Pinnacle Plus Reduced M&E )
	2016	6	10.88		70		1.99	%	1.15	%	1.40	%
	2015	8	10.73		83		5.40	%	1.15	%	(0.79	)%
	2014	4	10.82		40		2.17	%	1.15	%	2.98	%
	2013	2	10.50		16		1.83	%	1.15	%	(3.18	)%
Pimco VIT Total Return (Pinnacle Plus )
	2016	24	12.79		309		2.00	%	1.67	%	0.86	%
	2015	35	12.68		449		4.30	%	1.67	%	(1.31	)%
	2014	67	12.85		857		2.14	%	1.67	%	2.44	%
	2013	66	12.54		825		2.18	%	1.67	%	(3.69	)%
	2012	115	13.02		1,495		2.56	%	1.67	%	7.66	%
Investor Class:
Guggenheim VT Global Managed Futures Strategies (Pinnacle )
	2016	*-	6.18		1		5.21	%	1.35	%	(15.92	)%
	2015	2	7.35		15		1.58	%	1.35	%	(2.88	)%
	2014	15	7.57		114		—	%	1.35	%	10.57	%
	2013	12	6.85		83		—	%	1.35	%	1.21	%
	2012	1	6.77		9		—	%	1.35	%	(12.41	)%
Guggenheim VT Global Managed Futures Strategies (Pinnacle IV )
	2016	*-	6.13		3		4.68	%	1.45	%	(16.00	)%
	2015	1	7.30		9		2.22	%	1.45	%	(2.97	)%
	2014	1	7.52		9		—	%	1.45	%	10.46	%
	2013	2	6.81		14		—	%	1.45	%	1.10	%
	2012	2	6.74		15		—	%	1.45	%	(12.50	)%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

167

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Investor Class (continued):
Guggenheim VT Global Managed Futures Strategies (Pinnacle V )
	2016	55	$	6.08	$	333	3.74	%	1.55	%	(16.09	)%
	2015	52	7.25		377		2.61	%	1.55	%	(3.07	)%
	2014	72	7.48		536		—	%	1.55	%	10.35	%
	2013	35	6.78		238		—	%	1.55	%	1.00	%
	2012	34	6.71		225		—	%	1.55	%	(12.59	)%
Guggenheim VT Global Managed Futures Strategies (AdvantEdge )
	2016	31	6.06		186		3.77	%	1.60	%	(16.13	)%
	2015	30	7.22		214		2.47	%	1.60	%	(3.12	)%
	2014	25	7.46		185		—	%	1.60	%	10.29	%
	2013	24	6.76		165		—	%	1.60	%	0.95	%
	2012	33	6.70		222		—	%	1.60	%	(12.63	)%
Guggenheim VT Global Managed Futures Strategies (AnnuiChoice II )
	2016	9	6.29		60		3.91	%	1.15	%	(15.74	)%
	2015	10	7.46		74		2.27	%	1.15	%	(2.68	)%
	2014	11	7.67		84		—	%	1.15	%	10.80	%
	2013	9	6.92		64		—	%	1.15	%	1.41	%
	2012	12	6.82		79		—	%	1.15	%	(12.23	)%
Guggenheim VT Global Managed Futures Strategies (Grandmaster flex3 )
	2016	3	6.08		20		4.09	%	1.55	%	(16.09	)%
	2015	7	7.25		51		3.01	%	1.55	%	(3.07	)%
Guggenheim VT Global Managed Futures Strategies (IQ Annuity )
	2016	1	6.13		7		3.77	%	1.45	%	(16.00	)%
	2015	3	7.30		24		2.10	%	1.45	%	(2.97	)%
	2014	3	7.52		20		—	%	1.45	%	10.46	%
	2013	3	6.81		18		—	%	1.45	%	1.10	%
	2012	2	6.74		16		—	%	1.45	%	(12.50	)%
Guggenheim VT Global Managed Futures Strategies (Pinnacle Plus )
	2016	1	6.02		8		3.75	%	1.67	%	(16.19	)%
	2015	1	7.19		9		2.29	%	1.67	%	(3.19	)%
	2014	1	7.42		9		—	%	1.67	%	10.21	%
	2013	1	6.73		9		—	%	1.67	%	0.88	%
	2012	1	6.68		9		—	%	1.67	%	(12.69	)%
Guggenheim VT Multi-Hedge Strategies (AdvantEdge )
	2016	6	8.63		54		0.10	%	1.60	%	(2.07	)%
	2015	10	8.82		92		0.59	%	1.60	%	0.22	%
	2014	19	8.80		166		—	%	1.60	%	2.99	%
	2013	24	8.54		208		—	%	1.60	%	0.03	%
	2012	23	8.54		196		1.01	%	1.60	%	0.58	%
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice II )
	2016	15	8.98		134		0.10	%	1.15	%	(1.63	)%
	2015	16	9.13		146		0.63	%	1.15	%	0.68	%
	2014	15	9.07		134		—	%	1.15	%	3.46	%
	2013	20	8.76		177		—	%	1.15	%	0.49	%
	2012	32	8.72		276		0.89	%	1.15	%	1.04	%






(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

168

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Investor Class (continued):
Guggenheim VT Multi-Hedge Strategies (AnnuiChoice )
	2016	1	$	8.97	$	12	0.09	%	1.00	%	(1.48	)%
	2015	2	9.11		15		0.67	%	1.00	%	0.83	%
	2014	5	9.03		47		—	%	1.00	%	3.61	%
	2013	6	8.72		48		—	%	1.00	%	0.64	%
	2012	6	8.66		50		0.62	%	1.00	%	1.20	%
Guggenheim VT Multi-Hedge Strategies (Grandmaster flex3 )
	2016	1	8.55		4		0.10	%	1.55	%	(2.02	)%
	2015	1	8.73		6		0.65	%	1.55	%	0.27	%
	2014	1	8.70		5		—	%	1.55	%	3.04	%
	2013	1	8.45		5		—	%	1.55	%	0.08	%
	2012	1	8.44		5		0.26	%	1.55	%	0.63	%
Guggenheim VT Multi-Hedge Strategies (Grandmaster )
	2016	2	8.70		13		0.13	%	1.35	%	(1.83	)%
	2015	6	8.87		53		0.65	%	1.35	%	0.47	%
	2014	6	8.82		57		—	%	1.35	%	3.25	%
	2013	6	8.55		55		—	%	1.35	%	0.28	%
	2012	7	8.52		56		0.68	%	1.35	%	0.84	%
Guggenheim VT Multi-Hedge Strategies (IQ Annuity )
	2016	3	8.63		25		0.09	%	1.45	%	(1.93	)%
	2015	5	8.80		41		0.64	%	1.45	%	0.37	%
	2014	4	8.76		38		—	%	1.45	%	3.14	%
	2013	4	8.50		38		—	%	1.45	%	0.18	%
	2012	5	8.48		43		0.58	%	1.45	%	0.74	%
Guggenheim VT Multi-Hedge Strategies (Pinnacle )
	2016	*-	8.70		*-		—	%	1.35	%	(1.83	)%
	2015	*-	8.87		*-		0.59	%	1.35	%	0.47	%
	2014	*-	8.82		*-		—	%	1.35	%	(11.77	)%
	2012	1	8.52		6		0.36	%	1.35	%	0.84	%
Guggenheim VT Multi-Hedge Strategies (Pinnacle IV )
	2016	5	8.74		46		0.10	%	1.45	%	(1.93	)%
	2015	6	8.91		51		0.68	%	1.45	%	0.37	%
	2014	7	8.88		61		—	%	1.45	%	3.14	%
	2013	10	8.61		86		—	%	1.45	%	0.18	%
	2012	11	8.59		97		0.60	%	1.45	%	0.74	%
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus Reduced M&E )
	2016	1	10.79		7		—	%	1.15	%	(1.63	)%
	2015	*-	10.97		*-		0.61	%	1.15	%	0.68	%
	2014	*-	10.90		1		—	%	1.15	%	3.46	%
	2013	1	10.53		13		—	%	1.15	%	0.49	%
Guggenheim VT Multi-Hedge Strategies (Pinnacle Plus )
	2016	2	8.46		18		0.11	%	1.67	%	(2.14	)%
	2015	3	8.65		26		0.69	%	1.67	%	0.15	%
	2014	3	8.63		29		—	%	1.67	%	2.91	%
	2013	5	8.39		38		—	%	1.67	%	(0.04	)%
	2012	6	8.39		53		0.61	%	1.67	%	0.51	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

169

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
Investor Class (continued):
Guggenheim VT Multi-Hedge Strategies (Pinnacle V )
	2016	18	$	8.66	$	153	0.10	%	1.55	%	(2.02	)%
	2015	22	8.84		191		0.64	%	1.55	%	0.27	%
	2014	26	8.82		229		—	%	1.55	%	3.04	%
	2013	35	8.56		296		—	%	1.55	%	0.08	%
	2012	62	8.55		532		0.72	%	1.55	%	0.63	%
Guggenheim VT Long Short Equity (AdvantEdge )
	2016	3	9.93		25		—	%	1.60	%	(0.95	)%
	2015	2	10.02		21		—	%	1.60	%	(0.36	)%
	2014	2	10.06		22		—	%	1.60	%	1.15	%
	2013	2	9.94		18		0.01	%	1.60	%	15.58	%
	2012	2	8.60		15		—	%	1.60	%	2.75	%
Guggenheim VT Long Short Equity (AnnuiChoice II )
	2016	6	10.33		66		—	%	1.15	%	(0.50	)%
	2015	7	10.38		75		—	%	1.15	%	0.10	%
	2014	7	10.37		76		—	%	1.15	%	1.61	%
	2013	7	10.20		74		—	%	1.15	%	16.11	%
	2012	6	8.79		49		—	%	1.15	%	3.23	%
Guggenheim VT Long Short Equity (AnnuiChoice )
	2016	7	10.17		70		—	%	1.00	%	(0.35	)%
	2015	7	10.21		69		—	%	1.00	%	0.25	%
	2014	1	10.18		8		—	%	1.00	%	1.77	%
	2013	1	10.00		8		—	%	1.00	%	16.28	%
	2012	1	8.60		8		—	%	1.00	%	3.38	%
Guggenheim VT Long Short Equity (GrandMaster flex3 )
	2016	1	9.69		9		—	%	1.55	%	(0.90	)%
	2015	1	9.78		9		—	%	1.55	%	(0.31	)%
	2014	1	9.81		9		—	%	1.55	%	1.20	%
	2013	1	9.69		9		—	%	1.55	%	15.64	%
	2012	1	8.38		8		—	%	1.55	%	2.81	%
Guggenheim VT Long Short Equity (Grandmaster )
	2016	*-	9.86		2		—	%	1.35	%	(0.70	)%
	2015	*-	9.93		2		—	%	1.35	%	(0.11	)%
	2014	*-	9.94		3		—	%	1.35	%	1.41	%
	2013	*-	9.80		3		—	%	1.35	%	15.87	%
Guggenheim VT Long Short Equity (IQ Annuity )
	2016	3	9.78		34		—	%	1.45	%	(0.80	)%
	2015	5	9.85		46		—	%	1.45	%	(0.21	)%
	2014	2	9.87		20		—	%	1.45	%	1.31	%
	2013	3	9.75		25		—	%	1.45	%	15.76	%
	2012	3	8.42		23		—	%	1.45	%	2.91	%
Guggenheim VT Long Short Equity (Pinnacle )
	2016	*-	9.86		*-		—	%	1.35	%	(0.70	)%
	2015	1	9.93		10		—	%	1.35	%	(0.11	)%
	2014	4	9.94		38		—	%	1.35	%	1.41	%
	2013	4	9.80		39		0.01	%	1.35	%	15.87	%







(1) Results for periods of less than one year have been annualized.

170

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.
Investor Class (continued):
Guggenheim VT Long Short Equity (Pinnacle IV )
	2016	2	$	10.05	$	22	—	%	1.45	%	(0.80	)%
	2015	3	10.13		33		—	%	1.45	%	(0.21	)%
	2014	4	10.15		40		—	%	1.45	%	1.31	%
	2013	7	10.02		73		—	%	1.45	%	15.76	%
	2012	9	8.66		78		—	%	1.45	%	2.91	%
Guggenheim VT Long Short Equity (Pinnacle Plus Reduced M&E )
	2016	*-	11.71		4		—	%	1.15	%	(0.50	)%
	2015	*-	11.77		5		—	%	1.15	%	0.10	%
Guggenheim VT Long Short Equity (Pinnacle Plus )
	2016	1	9.59		8		—	%	1.67	%	(1.02	)%
	2015	1	9.69		8		—	%	1.67	%	(0.43	)%
	2014	1	9.73		13		—	%	1.67	%	1.08	%
	2013	1	9.62		9		—	%	1.67	%	15.50	%
	2012	1	8.33		8		—	%	1.67	%	2.68	%
Guggenheim VT Long Short Equity (Pinnacle V )
	2016	7	9.96		65		—	%	1.55	%	(0.90	)%
	2015	8	10.05		81		—	%	1.55	%	(0.31	)%
	2014	28	10.08		285		—	%	1.55	%	1.20	%
	2013	14	9.96		135		—	%	1.55	%	15.64	%
	2012	19	8.62		162		—	%	1.55	%	2.81	%
ETF Shares:
iShares Core US Aggregate Bond ETF (Varoom ®)
	2016	4	26.94		108		2.33	%	1.75	%	0.62	%
	2015	4	26.77		112		2.24	%	1.75	%	(1.27	)%
	2014	5	27.12		137		2.59	%	1.75	%	4.14	%
	2013	5	26.04		137		2.38	%	1.75	%	(3.71	)%
	2012	8	27.04		208		2.82	%	1.75	%	1.98	%
iShares Core US Aggregate Bond ETF (Varoom GLWB 2)
	2016	20	25.64		519		2.32	%	2.55	%	(0.20	)%
	2015	21	25.69		539		2.26	%	2.55	%	(2.08	)%
	2014	20	26.24		536		2.60	%	2.55	%	3.29	%
	2013	20	25.40		512		2.30	%	2.55	%	(4.49	)%
	2012	18	26.60		477		3.10	%	2.55	%	1.14	%
iShares Core US Aggregate Bond ETF (Varoom GLWB 3)
	2016	2	25.42		42		2.33	%	1.90	%	0.46	%
	2015	2	25.31		41		2.26	%	1.90	%	(1.42	)%
	2014	2	25.67		42		2.60	%	1.90	%	3.98	%
	2013	2	24.69		40		1.80	%	1.90	%	(3.86	)%
	2012	1	25.68		16		1.92	%	1.90	%	1.79	%
iShares Core US Aggregate Bond ETF (Varoom GLWB 5)
	2016	35	24.32		848		2.33	%	2.75	%	(0.41	)%
	2015	32	24.42		793		2.28	%	2.75	%	(2.28	)%
	2014	27	24.99		681		2.63	%	2.75	%	3.08	%
	2013	22	24.25		537		2.25	%	2.75	%	(4.69	)%
	2012	13	25.44		339		1.46	%	2.75	%	0.90	%





(1) Results for periods of less than one year have been annualized.

171

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.
ETF Shares (continued):
iShares Intermediate Credit Bond ETF (Varoom GLWB 2)
	2016	9	$	26.14	$	240	2.41	%	2.55	%	0.68	%
	2015	9	25.96		239		2.47	%	2.55	%	(1.99	)%
	2014	10	26.49		254		2.63	%	2.55	%	1.19	%
	2013	10	26.18		260		2.80	%	2.55	%	(2.84	)%
	2012	11	26.94		298		3.05	%	2.55	%	4.32	%
iShares Intermediate Credit Bond ETF (Varoom GLWB 3)
	2016	1	26.45		18		2.41	%	1.90	%	1.35	%
	2015	1	26.10		18		2.47	%	1.90	%	(1.33	)%
	2014	1	26.46		18		2.64	%	1.90	%	1.87	%
	2013	1	25.97		18		0.87	%	1.90	%	(2.19	)%
iShares Intermediate Credit Bond ETF (Varoom GLWB 5)
	2016	36	25.31		914		2.43	%	2.75	%	0.47	%
	2015	31	25.19		775		2.51	%	2.75	%	(2.19	)%
	2014	22	25.76		573		2.64	%	2.75	%	0.98	%
	2013	12	25.50		318		2.32	%	2.75	%	(3.04	)%
	2012	2	26.30		51		2.02	%	2.75	%	4.10	%
iShares TIPS Bond ETF (Varoom)
	2016	3	26.28		84		1.46	%	1.75	%	2.84	%
	2015	3	25.56		83		0.30	%	1.75	%	(3.47	)%
	2014	4	26.48		112		1.38	%	1.75	%	1.78	%
	2013	4	26.01		111		0.92	%	1.75	%	(10.06	)%
	2012	7	28.92		211		2.39	%	1.75	%	4.70	%
iShares TIPS Bond ETF (Varoom GLWB 2)
	2016	1	25.02		37		1.42	%	2.55	%	2.01	%
	2015	2	24.53		46		0.33	%	2.55	%	(4.26	)%
	2014	2	25.62		62		1.65	%	2.55	%	0.95	%
	2013	2	25.38		55		1.05	%	2.55	%	(10.79	)%
	2012	3	28.45		76		2.47	%	2.55	%	3.85	%
iShares TIPS Bond ETF (Varoom GLWB 3)
	2016	*-	23.46		4		1.47	%	1.90	%	2.69	%
	2015	*-	22.84		4		0.36	%	1.90	%	(3.62	)%
	2014	*-	23.70		3		1.48	%	1.90	%	1.62	%
	2013	*-	23.32		4		0.98	%	1.90	%	(10.20	)%
	2012	1	25.97		13		2.22	%	1.90	%	4.32	%
iShares TIPS Bond ETF (Varoom GLWB 5)
	2016	4	22.44		93		1.48	%	2.75	%	1.80	%
	2015	4	22.05		85		0.33	%	2.75	%	(4.46	)%
	2014	3	23.08		79		1.59	%	2.75	%	0.74	%
	2013	2	22.91		57		1.26	%	2.75	%	(10.98	)%
	2012	1	25.73		33		1.27	%	2.75	%	3.41	%
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom)
	2016	1	31.22		17		5.44	%	1.75	%	11.42	%
	2015	1	28.02		15		5.42	%	1.75	%	(6.69	)%
	2014	1	30.03		16		5.91	%	1.75	%	0.09	%
	2013	1	30.00		16		6.13	%	1.75	%	4.00	%
	2012	1	28.85		15		7.02	%	1.75	%	9.56	%




(1) Results for periods of less than one year have been annualized.

172

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.
ETF Shares (continued):
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 2)
	2016	1	$	29.72	$	16	5.35	%	2.55	%	10.51	%
	2015	1	26.90		24		5.29	%	2.55	%	(7.45	)%
	2014	2	29.06		48		5.90	%	2.55	%	(0.72	)%
	2013	2	29.27		46		5.77	%	2.55	%	3.15	%
	2012	3	28.38		72		6.29	%	2.55	%	8.67	%
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 3)
	2016	12	30.39		374		5.54	%	1.90	%	11.25	%
	2015	2	27.31		63		5.31	%	1.90	%	(6.83	)%
	2014	4	29.32		110		5.93	%	1.90	%	(0.06	)%
	2013	2	29.33		45		5.39	%	1.90	%	3.84	%
	2012	2	28.25		44		4.31	%	1.90	%	9.39	%
iShares iBoxx $ High Yield Corporate Bond ETF (Varoom GLWB 5)
	2016	8	29.07		234		5.42	%	2.75	%	10.28	%
	2015	8	26.36		224		5.48	%	2.75	%	(7.64	)%
	2014	7	28.54		202		5.91	%	2.75	%	(0.93	)%
	2013	5	28.81		134		6.11	%	2.75	%	2.94	%
	2012	3	27.99		92		1.98	%	2.75	%	8.44	%
iShares S&P 500 Growth ETF (Varoom)
	2016	3	45.89		138		1.53	%	1.75	%	4.94	%
	2015	3	43.73		150		1.52	%	1.75	%	3.53	%
	2014	3	42.23		141		1.45	%	1.75	%	12.66	%
	2013	3	37.49		126		1.69	%	1.75	%	30.61	%
	2012	1	28.70		29		2.23	%	1.75	%	11.98	%
iShares S&P 500 Growth ETF (Varoom GLWB 1)
	2016	15	44.22		645		1.55	%	2.35	%	4.30	%
	2015	16	42.40		660		1.50	%	2.35	%	2.90	%
	2014	17	41.20		707		1.43	%	2.35	%	11.97	%
	2013	19	36.80		689		1.63	%	2.35	%	29.81	%
	2012	21	28.35		585		2.10	%	2.35	%	11.29	%
iShares S&P 500 Growth ETF (Varoom GLWB 2)
	2016	1	43.68		34		1.55	%	2.55	%	4.09	%
	2015	1	41.97		35		1.67	%	2.55	%	2.69	%
	2014	*-	40.87		8		1.38	%	2.55	%	11.75	%
	2013	*-	36.57		12		1.82	%	2.55	%	29.55	%
	2012	1	28.23		17		1.90	%	2.55	%	11.06	%
iShares S&P 500 Growth ETF (Varoom GLWB 3)
	2016	5	44.56		236		1.61	%	1.90	%	4.78	%
	2015	2	42.53		98		1.38	%	1.90	%	3.38	%
	2014	4	41.14		158		1.47	%	1.90	%	12.49	%
	2013	3	36.57		106		1.33	%	1.90	%	30.41	%
	2012	1	28.04		30		2.95	%	1.90	%	11.80	%
iShares S&P 500 Growth ETF (Varoom GLWB 4)
	2016	140	43.08		6,045		1.59	%	2.55	%	4.09	%
	2015	121	41.39		5,004		1.57	%	2.55	%	2.69	%
	2014	94	40.30		3,782		1.54	%	2.55	%	11.75	%
	2013	60	36.07		2,179		1.67	%	2.55	%	29.55	%
	2012	22	27.84		599		2.06	%	2.55	%	11.06	%



(1) Results for periods of less than one year have been annualized.

173

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.
ETF Shares (continued):
iShares S&P 500 Growth ETF (Varoom GLWB 5)
	2016	3	$	42.64	$	135	1.57	%	2.75	%	3.88	%
	2015	3	41.04		120		1.60	%	2.75	%	2.48	%
	2014	2	40.05		85		1.55	%	2.75	%	11.52	%
	2013	2	35.91		56		1.45	%	2.75	%	29.28	%
	2012	*-	27.78		3		1.70	%	2.75	%	10.83	%
iShares Core S&P 500 Index ETF (Varoom)
	2016	11	45.83		492		2.25	%	1.75	%	10.19	%
	2015	9	41.59		389		2.14	%	1.75	%	(0.48	)%
	2014	9	41.80		380		1.93	%	1.75	%	11.60	%
	2013	9	37.45		347		2.13	%	1.75	%	30.55	%
	2012	7	28.69		202		2.35	%	1.75	%	13.51	%
iShares Core S&P 500 Index ETF (Varoom GLWB 1)
	2016	177	44.17		7,822		2.20	%	2.35	%	9.52	%
	2015	203	40.33		8,170		2.12	%	2.35	%	(1.09	)%
	2014	216	40.78		8,812		1.91	%	2.35	%	10.92	%
	2013	227	36.76		8,342		1.98	%	2.35	%	29.75	%
	2012	250	28.33		7,072		2.35	%	2.35	%	12.82	%
iShares Core S&P 500 Index ETF (Varoom GLWB 2)
	2016	17	43.63		720		2.20	%	2.55	%	9.29	%
	2015	18	39.92		723		2.12	%	2.55	%	(1.29	)%
	2014	20	40.44		793		1.91	%	2.55	%	10.70	%
	2013	21	36.54		772		2.10	%	2.55	%	29.49	%
	2012	18	28.22		519		2.29	%	2.55	%	12.59	%
iShares Core S&P 500 Index ETF (Varoom GLWB 3)
	2016	26	45.43		1,164		2.24	%	1.90	%	10.02	%
	2015	23	41.29		949		2.14	%	1.90	%	(0.63	)%
	2014	21	41.55		866		2.03	%	1.90	%	11.43	%
	2013	16	37.29		591		2.37	%	1.90	%	30.35	%
	2012	5	28.61		133		2.13	%	1.90	%	13.34	%
iShares Core S&P 500 Index ETF (Varoom GLWB 4)
	2016	1,305	43.92		57,323		2.25	%	2.55	%	9.29	%
	2015	1,134	40.19		45,587		2.20	%	2.55	%	(1.29	)%
	2014	875	40.71		35,603		2.04	%	2.55	%	10.70	%
	2013	564	36.78		20,742		2.10	%	2.55	%	29.49	%
	2012	237	28.40		6,729		2.28	%	2.55	%	12.59	%
iShares Core S&P 500 Index ETF (Varoom GLWB 5)
	2016	67	43.46		2,929		2.23	%	2.75	%	9.07	%
	2015	64	39.85		2,531		2.21	%	2.75	%	(1.49	)%
	2014	49	40.45		1,981		2.07	%	2.75	%	10.47	%
	2013	29	36.62		1,050		2.16	%	2.75	%	29.22	%
	2012	13	28.34		376		2.41	%	2.75	%	12.35	%
iShares S&P 500 Value ETF (Varoom)
	2016	2	44.31		99		2.49	%	1.75	%	15.25	%
	2015	2	38.44		71		2.36	%	1.75	%	(4.98	)%
	2014	2	40.46		74		2.23	%	1.75	%	10.21	%
	2013	2	36.71		69		2.26	%	1.75	%	29.30	%
	2012	2	28.39		56		3.39	%	1.75	%	16.07	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

174

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
iShares S&P 500 Value ETF (Varoom GLWB 1)
	2016	9	$	42.70	$	378	2.41	%	2.35	%	14.55	%
	2015	11	37.28		414		2.34	%	2.35	%	(5.56	)%
	2014	11	39.47		448		2.22	%	2.35	%	9.54	%
	2013	12	36.03		446		2.22	%	2.35	%	28.51	%
	2012	14	28.04		388		2.67	%	2.35	%	15.36	%
iShares S&P 500 Value ETF (Varoom GLWB 2)
	2016	1	42.18		40		2.44	%	2.55	%	14.32	%
	2015	1	36.90		37		2.37	%	2.55	%	(5.75	)%
	2014	1	39.15		39		2.32	%	2.55	%	9.32	%
	2013	1	35.81		30		1.79	%	2.55	%	28.24	%
	2012	1	27.92		41		2.39	%	2.55	%	15.13	%
iShares S&P 500 Value ETF (Varoom GLWB 3)
	2016	8	45.57		343		2.59	%	1.90	%	15.08	%
	2015	3	39.59		130		2.17	%	1.90	%	(5.12	)%
	2014	5	41.73		201		2.66	%	1.90	%	10.05	%
	2013	1	37.92		34		2.49	%	1.90	%	29.10	%
	2012	1	29.37		43		2.86	%	1.90	%	15.32	%
iShares S&P 500 Value ETF (Varoom GLWB 4)
	2016	52	44.05		2,280		2.47	%	2.55	%	14.32	%
	2015	49	38.54		1,908		2.41	%	2.55	%	(5.75	)%
	2014	40	40.89		1,635		2.34	%	2.55	%	9.32	%
	2013	27	37.40		1,023		2.46	%	2.55	%	28.24	%
	2012	11	29.16		325		2.45	%	2.55	%	14.55	%
iShares S&P 500 Value ETF (Varoom GLWB 5)
	2016	4	43.60		160		2.46	%	2.75	%	14.08	%
	2015	4	38.21		137		2.42	%	2.75	%	(5.94	)%
	2014	3	40.63		121		2.29	%	2.75	%	9.09	%
	2013	3	37.24		100		2.48	%	2.75	%	27.98	%
	2012	*-	29.10		12		2.33	%	2.75	%	14.32	%
iShares Core S&P MidCap Index ETF (Varoom)
	2016	5	44.66		234		1.78	%	1.75	%	18.56	%
	2015	5	37.67		187		1.43	%	1.75	%	(3.99	)%
	2014	6	39.23		233		1.39	%	1.75	%	7.77	%
	2013	6	36.41		219		1.49	%	1.75	%	31.33	%
	2012	5	27.72		149		1.90	%	1.75	%	15.99	%
iShares Core S&P MidCap Index ETF (Varoom GLWB 1)
	2016	52	43.04		2,246		1.72	%	2.35	%	17.84	%
	2015	62	36.53		2,277		1.46	%	2.35	%	(4.58	)%
	2014	66	38.28		2,511		1.39	%	2.35	%	7.11	%
	2013	66	35.74		2,357		1.41	%	2.35	%	30.53	%
	2012	75	27.38		2,051		1.63	%	2.35	%	15.28	%
iShares Core S&P MidCap Index ETF (Varoom GLWB 2)
	2016	7	42.51		288		1.73	%	2.55	%	17.60	%
	2015	8	36.15		286		1.47	%	2.55	%	(4.77	)%
	2014	8	37.96		303		1.39	%	2.55	%	6.89	%
	2013	8	35.52		283		1.46	%	2.55	%	30.26	%
	2012	7	27.26		196		1.54	%	2.55	%	15.05	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

175

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
iShares Core S&P MidCap Index ETF (Varoom GLWB 3)
	2016	12	$	46.01	$	532	1.86	%	1.90	%	18.38	%
	2015	7	38.87		272		1.41	%	1.90	%	(4.14	)%
	2014	8	40.55		325		1.45	%	1.90	%	7.61	%
	2013	6	37.68		244		1.53	%	1.90	%	31.13	%
	2012	2	28.74		46		2.08	%	1.90	%	15.82	%
iShares Core S&P MidCap Index ETF (Varoom GLWB 4)
	2016	376	44.49		16,710		1.79	%	2.55	%	17.60	%
	2015	341	37.83		12,900		1.54	%	2.55	%	(4.77	)%
	2014	260	39.73		10,335		1.50	%	2.55	%	6.89	%
	2013	160	37.16		5,950		1.51	%	2.55	%	30.26	%
	2,012	68	28.53		1,953		1.70	%	2.55	%	15.05	%
iShares Core S&P MidCap Index ETF (Varoom GLWB 5)
	2016	16	44.02		701		1.77	%	2.75	%	17.36	%
	2015	15	37.51		550		1.51	%	2.75	%	(4.97	)%
	2014	12	39.48		483		1.53	%	2.75	%	6.67	%
	2013	6	37.01		239		1.24	%	2.75	%	30.00	%
	2012	2	28.47		50		2.08	%	2.75	%	14.81	%
iShares Core S&P Small Cap Index ETF (Varoom)
	2016	3	48.35		162		1.41	%	1.75	%	24.38	%
	2015	3	38.87		134		1.42	%	1.75	%	(3.78	)%
	2014	3	40.40		138		1.20	%	1.75	%	3.92	%
	2013	5	38.87		204		1.17	%	1.75	%	39.44	%
	2012	3	27.88		91		2.10	%	1.75	%	13.86	%
iShares Core S&P Small Cap Index ETF (Varoom GLWB 1)
	2016	25	46.60		1,145		1.38	%	2.35	%	23.63	%
	2015	30	37.69		1,139		1.41	%	2.35	%	(4.36	)%
	2014	32	39.41		1,271		1.28	%	2.35	%	3.29	%
	2013	31	38.16		1,185		1.13	%	2.35	%	38.59	%
	2012	37	27.53		1,031		1.87	%	2.35	%	13.16	%
iShares Core S&P Small Cap Index ETF (Varoom GLWB 2)
	2016	3	46.03		151		1.38	%	2.55	%	23.37	%
	2015	4	37.31		144		1.42	%	2.55	%	(4.56	)%
	2014	4	39.09		157		1.27	%	2.55	%	3.08	%
	2013	4	37.92		155		1.16	%	2.55	%	38.31	%
	2012	4	27.42		104		1.75	%	2.55	%	12.93	%
iShares Core S&P Small Cap Index ETF (Varoom GLWB 3)
	2016	8	49.73		402		1.47	%	1.90	%	24.20	%
	2015	4	40.04		172		1.34	%	1.90	%	(3.92	)%
	2014	5	41.68		205		1.33	%	1.90	%	3.76	%
	2013	4	40.17		149		1.31	%	1.90	%	39.23	%
	2012	*-	28.85		11		2.11	%	1.90	%	13.68	%
iShares Core S&P Small Cap Index ETF (Varoom GLWB 4)
	2016	178	48.08		8,539		1.42	%	2.55	%	23.37	%
	2015	166	38.97		6,454		1.47	%	2.55	%	(4.56	)%
	2014	128	40.83		5,235		1.38	%	2.55	%	3.08	%
	2013	76	39.62		2,992		1.21	%	2.55	%	38.31	%
	2012	34	28.64		981		2.01	%	2.55	%	12.93	%


(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

176

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
iShares Core S&P Small Cap Index ETF (Varoom GLWB 5)
	2016	14	$	47.58	$	659	1.40	%	2.75	%	23.12	%
	2015	12	38.65		482		1.45	%	2.75	%	(4.76	)%
	2014	10	40.58		422		1.42	%	2.75	%	2.86	%
	2013	5	39.45		182		1.17	%	2.75	%	38.03	%
	2012	2	28.58		56		2.06	%	2.75	%	12.70	%
iShares International Treasury Bond (Varoom)
	2016	2	22.31		40		0.72	%	1.75	%	(0.91	)%
	2015	1	22.51		26		0.12	%	1.75	%	(8.86	)%
	2014	1	24.70		26		1.33	%	1.75	%	(4.43	)%
	2013	1	25.85		28		1.82	%	1.75	%	(2.81	)%
	2012	1	26.59		17		2.28	%	1.75	%	3.69	%
iShares International Treasury Bond (Varoom GLWB 1)
	2016	49	21.50		1,048		0.63	%	2.35	%	(1.51	)%
	2015	53	21.83		1,155		0.11	%	2.35	%	(9.42	)%
	2014	50	24.10		1,207		1.33	%	2.35	%	(5.02	)%
	2013	45	25.37		1,142		1.76	%	2.35	%	(3.40	)%
	2012	38	26.27		1,007		2.21	%	2.35	%	3.05	%
iShares International Treasury Bond (Varoom GLWB 2)
	2016	1	21.24		16		0.60	%	2.55	%	(1.71	)%
	2015	1	21.61		18		0.11	%	2.55	%	(9.60	)%
	2014	1	23.90		18		1.33	%	2.55	%	(5.21	)%
	2013	1	25.22		18		1.91	%	2.55	%	(3.60	)%
	2012	2	26.16		40		2.39	%	2.55	%	2.84	%
iShares International Treasury Bond (Varoom GLWB 3)
	2016	2	22.13		42		0.77	%	1.90	%	(1.06	)%
	2015	1	22.37		29		0.11	%	1.90	%	(9.00	)%
	2014	1	24.58		34		1.35	%	1.90	%	(4.58	)%
	2013	*-	25.76		11		2.01	%	1.90	%	(2.95	)%
	2012	*-	26.54		13		0.56	%	1.90	%	3.53	%
iShares International Treasury Bond (Varoom GLWB 4)
	2016	361	21.39		7,732		0.71	%	2.55	%	(1.71	)%
	2015	301	21.77		6,553		0.12	%	2.55	%	(9.60	)%
	2014	206	24.08		4,957		1.30	%	2.55	%	(5.21	)%
	2013	113	25.40		2,875		1.61	%	2.55	%	(3.60	)%
	2012	36	26.35		958		1.05	%	2.55	%	2.84	%
iShares International Treasury Bond (Varoom GLWB 5)
	2016	2	21.17		41		0.69	%	2.75	%	(1.92	)%
	2015	1	21.59		32		0.11	%	2.75	%	(9.79	)%
	2014	1	23.93		23		1.33	%	2.75	%	(5.40	)%
	2013	1	25.30		22		1.73	%	2.75	%	(3.79	)%
	2012	1	26.29		16		1.42	%	2.75	%	2.63	%
Vanguard Dividend Appreciation Index Fund ETF (Varoom)
	2016	6	41.50		236		2.20	%	1.75	%	10.03	%
	2015	6	37.72		234		2.25	%	1.75	%	(3.64	)%
	2014	7	39.15		276		2.05	%	1.75	%	8.15	%
	2013	6	36.20		223		2.16	%	1.75	%	27.21	%
	2012	5	28.45		133		2.73	%	1.75	%	9.20	%

(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

177

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 2)
	2016	12	$	39.51	$	470	2.20	%	2.55	%	9.13	%
	2015	14	36.20		507		2.28	%	2.55	%	(4.43	)%
	2014	13	37.88		510		2.03	%	2.55	%	7.27	%
	2013	14	35.31		486		1.83	%	2.55	%	26.18	%
	2012	21	27.99		597		2.65	%	2.55	%	8.31	%
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 3)
	2016	7	40.01		285		2.40	%	1.90	%	9.86	%
	2015	3	36.42		114		2.12	%	1.90	%	(3.79	)%
	2014	5	37.86		173		2.07	%	1.90	%	7.98	%
	2013	3	35.06		109		2.40	%	1.90	%	27.02	%
	2012	1	27.60		29		1.61	%	1.90	%	9.03	%
Vanguard Dividend Appreciation Index Fund ETF (Varoom GLWB 5)
	2016	33	38.28		1,279		2.21	%	2.75	%	8.91	%
	2015	33	35.15		1,160		2.41	%	2.75	%	(4.62	)%
	2014	24	36.86		872		2.15	%	2.75	%	7.05	%
	2013	16	34.43		561		2.12	%	2.75	%	25.92	%
	2012	9	27.34		247		2.44	%	2.75	%	8.09	%
Vanguard Emerging Markets Index Fund ETF (Varoom)
	2016	1	20.03		21		2.35	%	1.75	%	10.23	%
	2015	1	18.17		25		2.74	%	1.75	%	(17.30	)%
	2014	1	21.97		30		2.69	%	1.75	%	(1.80	)%
	2013	1	22.37		31		2.56	%	1.75	%	(6.43	)%
	2012	2	23.91		58		2.88	%	1.75	%	19.35	%
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 2)
	2016	6	19.06		111		2.41	%	2.55	%	9.33	%
	2015	8	17.44		136		2.82	%	2.55	%	(17.97	)%
	2014	7	21.26		155		2.67	%	2.55	%	(2.60	)%
	2013	7	21.82		156		2.64	%	2.55	%	(7.19	)%
	2012	6	23.51		153		3.42	%	2.55	%	18.38	%
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 3)
	2016	3	23.33		78		2.62	%	1.90	%	10.06	%
	2015	3	21.20		54		2.76	%	1.90	%	(17.43	)%
	2014	2	25.67		64		2.76	%	1.90	%	(1.95	)%
	2013	2	26.19		55		3.67	%	1.90	%	(6.57	)%
	2012	1	28.03		40		2.84	%	1.90	%	19.17	%
Vanguard Emerging Markets Index Fund ETF (Varoom GLWB 5)
	2016	15	22.32		337		2.57	%	2.75	%	9.11	%
	2015	12	20.46		250		2.90	%	2.75	%	(18.14	)%
	2014	9	25.00		237		2.85	%	2.75	%	(2.80	)%
	2013	5	25.71		130		2.86	%	2.75	%	(7.38	)%
	2012	2	27.76		47		4.05	%	2.75	%	18.13	%
Vanguard Developed Markets Index Fund ETF (Varoom)
	2016	2	27.62		51		3.28	%	1.75	%	0.85	%
	2015	1	27.38		36		2.72	%	1.75	%	(2.10	)%
	2014	1	27.97		35		3.37	%	1.75	%	(7.64	)%
	2013	1	30.28		38		3.13	%	1.75	%	19.97	%
	2012	1	25.24		21		3.53	%	1.75	%	19.81	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

178

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 1)
	2016	41	$	26.61	$	1,090	3.04	%	2.35	%	0.24	%
	2015	43	26.55		1,144		2.68	%	2.35	%	(2.70	)%
	2014	44	27.29		1,199		3.38	%	2.35	%	(8.20	)%
	2013	39	29.73		1,173		2.74	%	2.35	%	19.24	%
	2012	42	24.93		1,046		6.29	%	2.35	%	19.08	%
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 2)
	2016	7	26.29		173		3.08	%	2.55	%	0.03	%
	2015	6	26.28		155		2.71	%	2.55	%	(2.90	)%
	2014	5	27.06		144		3.38	%	2.55	%	(8.39	)%
	2013	5	29.54		137		2.67	%	2.55	%	19.00	%
	2012	3	24.83		75		3.74	%	2.55	%	18.83	%
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 3)
	2016	7	30.99		211		3.11	%	1.90	%	0.70	%
	2015	6	30.77		185		2.67	%	1.90	%	(2.25	)%
	2014	6	31.48		201		3.36	%	1.90	%	(7.78	)%
	2013	3	34.14		100		3.84	%	1.90	%	19.79	%
	2012	*-	28.50		14		4.21	%	1.90	%	19.63	%
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 4)
	2016	270	29.96		8,074		3.14	%	2.55	%	0.03	%
	2015	216	29.95		6,477		2.78	%	2.55	%	(2.90	)%
	2014	160	30.85		4,929		3.44	%	2.55	%	(8.39	)%
	2013	88	33.67		2,956		2.80	%	2.55	%	19.00	%
	2012	35	28.30		996		4.43	%	2.55	%	18.83	%
Vanguard Developed Markets Index Fund ETF (Varoom GLWB 5)
	2016	11	29.65		339		3.04	%	2.75	%	(0.17	)%
	2015	11	29.70		331		2.76	%	2.75	%	(3.10	)%
	2014	8	30.65		241		3.43	%	2.75	%	(8.58	)%
	2013	3	33.53		93		2.88	%	2.75	%	18.75	%
	2012	1	28.23		28		4.47	%	2.75	%	18.59	%
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom)
	2016	*-	30.48		9		3.21	%	1.75	%	3.41	%
	2015	*-	29.48		9		3.27	%	1.75	%	(0.85	)%
	2014	*-	29.73		9		3.10	%	1.75	%	5.77	%
	2013	*-	28.11		8		3.73	%	1.75	%	(3.82	)%
	2012	*-	29.22		9		3.73	%	1.75	%	8.76	%
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 2)
	2016	1	29.02		20		3.21	%	2.55	%	2.57	%
	2015	1	28.29		19		3.26	%	2.55	%	(1.65	)%
	2014	1	28.77		19		3.09	%	2.55	%	4.91	%
	2013	1	27.42		18		4.10	%	2.55	%	(4.61	)%
	2012	1	28.74		23		3.87	%	2.55	%	7.87	%
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 3)
	2016	3	28.64		82		3.20	%	1.90	%	3.25	%
	2015	3	27.74		83		3.26	%	1.90	%	(1.00	)%
	2014	3	28.02		84		3.43	%	1.90	%	1.42	%





(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

179

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
Vanguard Intermediate-Term Corporate Bond Index ETF (Varoom GLWB 5)
	2016	3	$	27.40	$	93	3.24	%	2.75	%	2.36	%
	2015	3	26.77		80		3.27	%	2.75	%	(1.85	)%
	2014	3	27.28		79		3.14	%	2.75	%	4.70	%
	2013	2	26.06		58		4.12	%	2.75	%	(4.80	)%
	2012	2	27.37		44		2.42	%	2.75	%	7.65	%
Vanguard Large-Cap Index ETF (Varoom)
	2016	2	45.14		70		2.10	%	1.75	%	9.81	%
	2015	2	41.10		66		1.95	%	1.75	%	(0.74	)%
	2014	2	41.41		67		1.83	%	1.75	%	11.39	%
	2013	2	37.17		60		1.97	%	1.75	%	30.92	%
	2012	2	28.39		49		4.06	%	1.75	%	13.65	%
Vanguard Large-Cap Index ETF (Varoom GLWB 2)
	2016	7	42.97		315		2.07	%	2.55	%	8.92	%
	2015	8	39.45		310		1.95	%	2.55	%	(1.55	)%
	2014	8	40.07		304		1.83	%	2.55	%	10.49	%
	2013	8	36.26		286		1.84	%	2.55	%	29.85	%
	2012	12	27.93		326		2.42	%	2.55	%	12.72	%
Vanguard Large-Cap Index ETF (Varoom GLWB 3)
	2016	7	45.17		322		2.21	%	1.90	%	9.64	%
	2015	4	41.20		169		1.83	%	1.90	%	(0.89	)%
	2014	5	41.57		216		1.88	%	1.90	%	11.23	%
	2013	3	37.37		110		2.14	%	1.90	%	30.72	%
	2012	1	28.59		15		2.30	%	1.90	%	13.47	%
Vanguard Large-Cap Index ETF (Varoom GLWB 5)
	2016	17	43.22		742		2.08	%	2.75	%	8.70	%
	2015	17	39.76		676		1.96	%	2.75	%	(1.75	)%
	2014	16	40.47		656		1.97	%	2.75	%	10.26	%
	2013	10	36.70		382		2.01	%	2.75	%	29.58	%
	2012	7	28.32		202		1.63	%	2.75	%	12.49	%
Vanguard Mega Cap Index ETF (Varoom)
	2016	1	45.52		35		2.26	%	1.75	%	9.95	%
	2015	1	41.40		33		2.27	%	1.75	%	(0.34	)%
	2014	1	41.54		33		1.92	%	1.75	%	11.35	%
	2013	1	37.30		30		2.07	%	1.75	%	30.42	%
Vanguard Mega Cap Index ETF (Varoom GLWB 2)
	2016	1	43.33		23		2.26	%	2.55	%	9.06	%
	2015	1	39.73		23		2.30	%	2.55	%	(1.15	)%
	2014	*-	40.19		14		1.88	%	2.55	%	10.45	%
	2013	*-	36.39		14		2.10	%	2.55	%	29.36	%
	2012	*-	28.13		13		2.49	%	2.55	%	12.56	%
Vanguard Mega Cap Index ETF (Varoom GLWB 3)
	2016	1	45.38		26		2.23	%	1.90	%	9.79	%
	2015	1	41.33		28		1.80	%	1.90	%	(0.49	)%
	2014	2	41.54		86		2.15	%	1.90	%	11.18	%
	2013	*-	37.36		18		1.58	%	1.90	%	30.22	%
	2012	*-	28.69		11		4.16	%	1.90	%	13.32	%




(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

180

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
Vanguard Mega Cap Index ETF (Varoom GLWB 5)
	2016	2	$	43.41	$	70	2.20	%	2.75	%	8.83	%
	2015	2	39.89		87		2.22	%	2.75	%	(1.35	)%
	2014	2	40.44		89		1.93	%	2.75	%	10.22	%
	2013	2	36.69		79		2.12	%	2.75	%	29.09	%
	2012	2	28.42		63		1.60	%	2.75	%	12.33	%
Vanguard REIT Index ETF (Varoom)
	2016	1	42.95		42		4.59	%	1.75	%	6.72	%
	2015	1	40.24		48		3.68	%	1.75	%	0.63	%
	2014	1	39.99		60		3.93	%	1.75	%	28.06	%
	2013	2	31.23		47		3.99	%	1.75	%	0.70	%
	2012	3	31.01		98		5.23	%	1.75	%	15.31	%
Vanguard REIT Index ETF (Varoom GLWB 2)
	2016	2	40.88		98		4.61	%	2.55	%	5.85	%
	2015	3	38.62		113		3.85	%	2.55	%	(0.19	)%
	2014	3	38.70		120		3.85	%	2.55	%	27.02	%
	2013	3	30.46		106		4.23	%	2.55	%	(0.12	)%
	2012	4	30.50		118		3.82	%	2.55	%	14.36	%
Vanguard REIT Index ETF (Varoom GLWB 3)
	2016	6	41.86		252		5.18	%	1.90	%	6.56	%
	2015	3	39.29		114		3.88	%	1.90	%	0.48	%
	2014	3	39.10		115		4.36	%	1.90	%	27.87	%
	2013	1	30.58		33		5.12	%	1.90	%	0.55	%
	2012	1	30.41		30		4.08	%	1.90	%	15.13	%
Vanguard REIT Index ETF (Varoom GLWB 5)
	2016	7	40.05		288		4.80	%	2.75	%	5.64	%
	2015	7	37.92		260		3.98	%	2.75	%	(0.39	)%
	2014	6	38.07		228		3.98	%	2.75	%	26.76	%
	2013	6	30.03		168		4.36	%	2.75	%	(0.32	)%
	2012	4	30.13		108		2.93	%	2.75	%	14.13	%
Vanguard Total Bond Market Index ETF (Varoom)
	2016	12	26.98		317		2.42	%	1.75	%	0.73	%
	2015	8	26.78		218		2.43	%	1.75	%	(1.19	)%
	2014	8	27.11		207		2.78	%	1.75	%	4.04	%
	2013	8	26.05		199		2.97	%	1.75	%	(3.90	)%
	2012	5	27.11		127		3.68	%	1.75	%	2.78	%
Vanguard Total Bond Market Index ETF (Varoom GLWB 1)
	2016	289	26.00		7,508		2.39	%	2.35	%	0.11	%
	2015	312	25.97		8,094		2.42	%	2.35	%	(1.80	)%
	2014	324	26.45		8,568		2.79	%	2.35	%	3.41	%
	2013	310	25.58		7,935		2.71	%	2.35	%	(4.49	)%
	2012	261	26.78		6,984		3.51	%	2.35	%	2.15	%
Vanguard Total Bond Market Index ETF (Varoom GLWB 2)
	2016	27	25.68		695		2.39	%	2.55	%	(0.09	)%
	2015	29	25.71		747		2.42	%	2.55	%	(2.00	)%
	2014	30	26.23		782		2.80	%	2.55	%	3.20	%
	2013	27	25.42		699		2.59	%	2.55	%	(4.69	)%
	2012	28	26.67		738		3.56	%	2.55	%	1.94	%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

181

Separate Account I

Integrity Life Insurance Company

Notes to Financial Statements (continued)

4. Financial Highlights (continued)



							Investment
		Units	Unit		Net Assets		Income		Expense		Total
Subaccount	Year	(000s)	Value		(000s)		Ratio (1)		Ratio (1)		Return (2)
ETF Shares (continued):
Vanguard Total Bond Market Index ETF (Varoom GLWB 3)
	2016	41	$	25.38	$	1,039	2.43	%	1.90	%	0.57	%
	2015	30	25.23		765		2.47	%	1.90	%	(1.35	)%
	2014	24	25.58		616		2.95	%	1.90	%	3.88	%
	2013	14	24.62		353		3.63	%	1.90	%	(4.05	)%
	2012	4	25.66		90		3.29	%	1.90	%	1.91	%
Vanguard Total Bond Market Index ETF (Varoom GLWB 4)
	2016	2,264	24.54		55,539		2.42	%	2.55	%	(0.09	)%
	2015	1,871	24.56		45,956		2.46	%	2.55	%	(2.00	)%
	2014	1,406	25.06		35,223		2.90	%	2.55	%	3.20	%
	2013	823	24.28		19,987		2.74	%	2.55	%	(4.69	)%
	2012	261	25.48		6,654		3.12	%	2.55	%	1.23	%
Vanguard Total Bond Market Index ETF (Varoom GLWB 5)
	2016	117	24.28		2,848		2.42	%	2.75	%	(0.30	)%
	2015	108	24.35		2,625		2.46	%	2.75	%	(2.20	)%
	2014	83	24.90		2,076		2.94	%	2.75	%	2.99	%
	2013	42	24.18		1,022		2.77	%	2.75	%	(4.88	)%
	2012	16	25.42		403		3.22	%	2.75	%	1.02	%
Vanguard Short Term Bond ETF (Varoom GLWB 2)
	2016	*-	23.28		12		1.00	%	2.55	%	(1.25	)%
	2015	1	23.57		12		0.34	%	2.55	%	(1.64	)%
Vanguard Short Term Bond ETF (Varoom GLWB 3)
	2016	2	24.01		53		1.45	%	1.90	%	(0.59	)%
	2015	2	24.16		53		1.30	%	1.90	%	(0.99	)%
	2014	2	24.40		42		1.42	%	1.90	%	(0.56	)%
	2013	1	24.53		25		1.41	%	1.90	%	(1.77	)%
	2012	1	24.98		35		1.90	%	1.90	%	(0.09	)%
Vanguard Short Term Bond ETF (Varoom GLWB 5)
	2016	15	23.05		356		1.45	%	2.75	%	(1.45	)%
	2015	20	23.39		462		1.33	%	2.75	%	(1.85	)%
	2014	10	23.83		237		1.38	%	2.75	%	(1.42	)%
	2013	5	24.18		133		1.65	%	2.75	%	(2.63	)%
	2012	2	24.83		58		1.15	%	2.75	%	(0.68	)%



(1) Results for periods of less than one year have been annualized.
(2) Results for periods of less than one year have not been annualized.
* - Less than 500.

182

STATUTORY-BASIS FINANCIAL STATEMENTS AND SCHEDULES

Integrity Life Insurance Company

Years Ended December 31, 2016, 2015 and 2014

With Report of Independent Auditors

Integrity Life Insurance Company

Statutory-Basis Financial Statements and Schedules

Years Ended December 31, 2016, 2015 and 2014

Contents



Report of Independent Auditors	1

Financial Statements

Balance Sheets (Statutory-Basis)	3
Statements of Operations (Statutory-Basis)	4
Statements of Changes in Capital and Surplus (Statutory-Basis)	5
Statements of Cash Flow (Statutory-Basis)	6
Notes to Financial Statements (Statutory-Basis)	7

Financial Statement Schedules (Statutory-Basis)

Schedule I - Summary of Investments - Other Than Investments in Related Parties (Statutory-Basis)	46
Schedule III - Supplementary Insurance Information (Statutory-Basis)	47
Schedule IV - Reinsurance (Statutory-Basis)	48

Report of Independent Auditors

The Board of Directors

Integrity Life Insurance Company

We have audited the accompanying statutory-basis financial statements of Integrity Life Insurance Company, which comprise the balance sheets as of December 31, 2016 and 2015, and the related statements of operations, changes in capital and surplus, and cash flow for each of the three years in the period ended December 31, 2016, and the related notes to the financial statements.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these financial statements in conformity with accounting practices prescribed or permitted by the Ohio Department of Insurance. Management also is responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free of material misstatement, whether due to fraud or error.

Auditor’s Responsibility

Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions.

Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles

As described in Note 1 to the financial statements, to meet the requirements of Ohio, the financial statements have been prepared in conformity with accounting practices prescribed or permitted by the Ohio Department of Insurance, which practices differ from U.S. generally accepted accounting principles. The variances between such practices and U.S. generally accepted accounting principles are described in Note 1. The effects on the accompanying financial statements of these variances are not reasonably determinable but are presumed to be material.

Adverse Opinion on U.S. Generally Accepted Accounting Principles

In our opinion, because of the effects of the matter described in the preceding paragraph, the statutory-basis financial statements referred to above do not present fairly, in conformity with U.S. generally accepted accounting principles, the financial position of Integrity Life Insurance Company at December 31, 2016 and 2015, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2016.

Opinion on Statutory-Basis of Accounting

However, in our opinion, the statutory-basis financial statements referred to above present fairly, in all material respects, the financial position of Integrity Life Insurance Company at December 31, 2016 and 2015, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2016, in conformity with accounting practices prescribed or permitted by the Ohio Department of Insurance.

Supplementary Information

Our audits were conducted for the purpose of forming an opinion on the statutory-basis financial statements as a whole. The accompanying statutory-basis financial statement supplementary information listed in Schedules I, III, and IV is presented for purposes of additional analysis and is not a required part of the statutory-basis financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the statutory-basis financial statements. The information has been subjected to the auditing procedures applied in the audit of the statutory-basis financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the statutory-basis financial statements or to the statutory-basis financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States. In our opinion, the information is fairly stated, in all material respects, in relation to the statutory-basis financial statements as a whole.

/s/ Ernst & Young LLP

Cincinnati, Ohio

April 28, 2017

Integrity Life Insurance Company

Balance Sheets (Statutory-Basis)



	December 31
	2016		2015
Admitted assets	(In Thousands)
Cash and invested assets:
Debt securities	$	4,156,799	$	3,170,981
Preferred and common stocks	205,506		186,869
Investment in common stock of subsidiary	359,262		356,642
Mortgage loans	262,348		189,394
Policy loans	110,490		112,730
Derivatives	49,950		17,287
Cash, cash equivalents and short-term investments	138,400		109,938
Receivable for securities	2,746		4,318
Securities lending reinvested collateral assets	88		6,691
Other invested assets	199,044		129,602
Total cash and invested assets	5,484,633		4,284,452

Investment income due and accrued	42,071		36,369
Current federal income taxes recoverable from parent	—		3,566
Net deferred income tax asset	11,337		13,708
Amounts receivable on reinsurance contracts	18,325		23,606
Other admitted assets	2,694		2,357
Separate account assets	2,440,514		2,480,288
Total admitted assets	$	7,999,574	$	6,844,346

Liabilities and capital and surplus
Liabilities:
Policy and contract liabilities:
Life and annuity reserves	$	3,938,775	$	3,138,249
Liability for deposit-type contracts	520,770		307,841
Policy and contract claims	223		234
Total policy and contract liabilities	4,459,768		3,446,324

General expense due and accrued	202		334
Current federal income taxes payable to parent	15,467		—
Transfer to separate accounts due and accrued, net	559		(12,190		)
Asset valuation reserve	89,000		79,507
Interest maintenance reserve	4,555		—
Amounts payable on reinsurance contracts	17,084		23,140
Other liabilities	44,228		36,033
Derivatives	13,145		2,306
Payable for securities lending	106,734		110,042
Separate account liabilities	2,440,514		2,480,288
Total liabilities	7,191,256		6,165,784

Capital and surplus:
Common stock, $2 par value, authorized 1,500 shares, issued and outstanding 1,500 shares	3,000		3,000
Paid-in surplus	658,164		613,164
Accumulated surplus	147,154		62,398
Total capital and surplus	808,318		678,562
Total liabilities and capital and surplus	$	7,999,574	$	6,844,346

See accompanying notes.

Integrity Life Insurance Company

Statements of Operations (Statutory-Basis)



	Year Ended December 31
	2016			2015			2014
	(In Thousands)
Premiums and other revenues:
Premiums and annuity considerations	$	1,201,816		$	1,101,228		$	407,465
Net investment income	232,326			198,656			156,221
Considerations for supplementary contracts with life contingencies	10,302			9,741			6,955
Amortization of the interest maintenance reserve	1,966			2,073			2,701
Reserve adjustments on reinsurance ceded	(72,484		)	(82,621		)	(75,730		)
Fees from management of separate accounts	13,689			13,438			12,230
Other revenues	4,287			3,976			4,196
Total premiums and other revenues	1,391,902			1,246,491			514,038

Benefits paid or provided:
Death benefits	4,710			11,589			6,779
Annuity benefits	184,420			140,672			134,773
Surrender benefits	330,556			320,295			305,633
Payments on supplementary contracts with life contingencies	5,174			5,133			4,002
Increase (decrease) in policy reserves and other policyholders’ funds	799,407			749,284			100,505
Total benefits paid or provided	1,324,267			1,226,973			551,692

Insurance expenses and other deductions:
Commissions	65,320			63,691			23,345
Commissions and expenses on reinsurance assumed	13			14			15
General expenses	38,856			33,112			28,324
Net transfers to (from) separate accounts	(149,118		)	(166,856		)	(138,241		)
Other deductions	2,481			1,864			1,170
Total insurance expenses and other deductions	(42,448		)	(68,175		)	(85,387		)

Gain (loss) from operations before federal income tax expense and net realized capital gains (losses)	110,083			87,693			47,733
Federal income tax expense (benefit), excluding tax on capital gains	19,757			12,294			8,560
Gain (loss) from operations before net realized capital gains (losses)	90,326			75,399			39,173
Net realized capital gains (losses) (excluding gains (losses) transferred to IMR and capital gains tax)	25,581			(8,181		)	17,787
Net income (loss)	$	115,907		$	67,218		$	56,960

See accompanying notes.

Integrity Life Insurance Company

Statements of Changes in Capital and Surplus (Statutory-Basis)



	Common Stock		Paid-In Surplus		Accumulated Surplus			Total Capital and Surplus
	(In Thousands)

Balance, January 1, 2014	$	3,000	$	613,164	$	51,859		$	668,023
Net income (loss)	—		—		56,960			56,960
Change in net deferred income tax	—		—		2,899			2,899
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of ($8,341))	—		—		41,239			41,239
Net change in nonadmitted assets and related items	—		—		(11,265		)	(11,265		)
Change in asset valuation reserve	—		—		5,982			5,982
Change in surplus in separate accounts	—		—		(50		)	(50		)
Dividends to stockholder	—		—		(100,000		)	(100,000		)
Balance, December 31, 2014	3,000		613,164		47,624			663,788
Net income (loss)	—		—		67,218			67,218
Change in net deferred income tax	—		—		4,157			4,157
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of $887)	—		—		(27,386		)	(27,386		)
Net change in nonadmitted assets and related items	—		—		(4,812		)	(4,812		)
Change in asset valuation reserve	—		—		282			282
Change in surplus in separate accounts	—		—		315			315
Dividends to stockholder	—		—		(25,000		)	(25,000		)
Balance, December 31, 2015	3,000		613,164		62,398			678,562
Net income (loss)	—		—		115,907			115,907
Change in net deferred income tax	—		—		(2,750		)	(2,750		)
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of ($8,635))	—		—		(12,445		)	(12,445		)
Net change in nonadmitted assets and related items	—		—		(6,298		)	(6,298		)
Change in asset valuation reserve	—		—		(9,493		)	(9,493		)
Capital contribution	—		45,000		—			45,000
Change in surplus in separate accounts	—		—		(165		)	(165		)
Balance, December 31, 2016	$	3,000	$	658,164	$	147,154		$	808,318

See accompanying notes.

Integrity Life Insurance Company

Statements of Cash Flow (Statutory-Basis)



	Year Ended December 31
	2016			2015			2014
	(In Thousands)
Operating activities
Premiums collected net of reinsurance	$	1,211,721		$	1,111,170		$	414,542
Net investment income received	230,505			195,043			158,360
Benefits paid	(599,589		)	(566,306		)	(537,757		)
Net transfers from (to) separate accounts	163,447			161,727			104,549
Commissions and expense paid	(107,490		)	(98,566		)	(52,813		)
Federal income taxes recovered (paid)	(19,534		)	(15,750		)	(25,975		)
Other, net	20,915			16,369			16,743
Net cash from (for) operations	899,975			803,687			77,649

Investing activities
Proceeds from investments sold, matured or repaid:
Debt securities	728,407			507,326			550,678
Preferred and common stocks	115,401			172,321			242,007
Mortgage loans	25,016			9,912			1,431
Other invested assets	14,702			15,973			11,902
Net gains (losses) on cash, cash equivalents and short-term investments	(1		)	1			12
Miscellaneous proceeds	11,048			4,948			—
Net proceeds from investments sold, matured or repaid	894,573			710,481			806,030

Cost of investments acquired:
Debt securities	(1,720,907		)	(1,187,812		)	(545,663		)
Preferred and common stocks	(111,325		)	(163,484		)	(235,539		)
Mortgage loans	(97,970		)	(117,806		)	(40,177		)
Other invested assets	(74,889		)	(21,273		)	(32,734		)
Miscellaneous applications	(26,306		)	(28,113		)	(3,166		)
Total cost of investments acquired	(2,031,397		)	(1,518,488		)	(857,279		)

Net change in policy and other loans	2,240			7,787			(4,053		)
Net cash from (for) investments	(1,134,584		)	(800,220		)	(55,302		)

Financing and miscellaneous activities
Capital and paid-in surplus, less treasury stock	45,000			—			—
Net deposits on deposit-type contract funds and other insurance liabilities	212,929			9,524			5,937
Dividends to stockholder	—			(25,000		)	(75,017		)
Other cash provided (applied)	5,142			68,195			(3,282		)
Net cash from (for) financing and miscellaneous sources	263,071			52,719			(72,362		)

Net change in cash, cash equivalents and short-term investments	28,462			56,186			(50,015		)
Cash, cash equivalents and short-term investments:
Beginning of year	109,938			53,752			103,767
End of year	$	138,400		$	109,938		$	53,752

Cash flow information for noncash transactions
Dividends paid to The Western and Southern Life Insurance Company in the form of debt securities	$	—		$	—		$	(24,983	)

See accompanying notes.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

1. Nature of Operations and Significant Accounting Policies

Integrity Life Insurance Company (the Company) is a wholly-owned subsidiary of The Western and Southern Life Insurance Company (Western and Southern). The Company, domiciled in the state of Ohio and currently licensed in 49 states and the District of Columbia, specializes in the asset accumulation business with particular emphasis on retirement savings and investment products. For the year ended December 31, 2016, approximately 39.6% of the gross premiums and annuity considerations for the Company were derived from California, Florida, Ohio, Pennsylvania, and Texas.

The Company’s wholly-owned insurance subsidiary, National Integrity Life Insurance Company (National Integrity), is currently licensed in eight states and the District of Columbia and distributes similar products, principally in the state of New York. Fort Washington Investment Advisors, Inc. (Fort Washington), a registered investment adviser, is a nonlife insurance subsidiary of Western and Southern and is the investment manager for the Company.

State regulatory authorities have powers relating to granting and revoking licenses to transact business, the licensing of agents, the regulation of premium rates and trade practices, the form and content of insurance policies, the content of advertising material, financial statements and the nature of permitted practices.

Use of Estimates

The preparation of statutory-basis financial statements requires management to make estimates and assumptions that affect amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Basis of Presentation

The accompanying financial statements of the Company have been prepared in conformity with accounting practices prescribed or permitted by the Ohio Department of Insurance (the Department). The National Association of Insurance Commissioners’ (NAIC) Accounting Practices and Procedures Manual (NAIC SAP or SSAP) has been adopted as a component of prescribed or permitted practices by the State of Ohio. These practices differ in some respects from U.S. generally accepted accounting principles (GAAP). The more significant differences follow.

Investments

Investments in debt securities and mandatory redeemable preferred stocks are reported at amortized cost or fair value based on the NAIC rating; for GAAP, such fixed maturity investments are designated at purchase as held-to-maturity, trading or available-for-sale. Held-to-maturity fixed investments are reported at amortized cost, and the remaining fixed maturity investments are reported at fair value with unrealized holding gains and losses reported in the statement of operations for those designated as trading and as a separate component of other comprehensive income (loss) for those designated as available-for-sale.

All single-class and multiclass mortgage-backed/asset-backed securities (e.g., CMOs) are adjusted for the effects of changes in prepayment assumptions on the related accretion of discount or amortization of premium of such securities using the retrospective method. The prospective method is used to determine amortized cost for securities that experience a decline that is deemed to be other-than-temporary. Securities that are in an unrealized loss position which the Company intends to sell, or does not have the intent and ability to hold until recovery, are written down to fair value as a realized loss. Securities that are in an unrealized loss position which the Company has the intent and ability to hold until recovery are written down to the extent the present value of expected future cash flows using the security’s effective yield is lower than the amortized cost. For GAAP purposes, all securities, purchased or retained, that represent beneficial interests in securitized assets (e.g., CMO, CBO, CDO, CLO, MBS and ABS securities), other than high credit quality securities, are adjusted using the prospective method when there is a change in estimated future cash flows. If it is determined that a decline in fair value is other-than-temporary, the cost basis of the security is written down to the extent the present value of expected future cash flows using the security’s effective yield is lower than the amortized cost. If high credit quality securities are adjusted, the retrospective method is used.

The Company monitors other investments to determine if there has been an other-than-temporary decline in fair value. Factors that management considers for each identified security include the following:


•	The extent and length of time the fair value has been below the book/adjusted carrying value;


•	The reasons for the decline in value;


•	Specific credit issues related to the issuer and current economic conditions, including the current and future impact of any specific events;

•

For structured investments (e.g., residential mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities and other structured investments), factors such as overall deal structure and the Company’s position within the structure, quality of underlying collateral, delinquencies and defaults, loss severities, recoveries, prepayments and cumulative loss projections are considered;


•	For all equity securities and other debt securities with credit-related declines in fair value, the Company’s intent and ability to hold the security long enough for it to recover its value to book/adjusted carrying value; and


•	For all other debt securities with interest-related declines in fair value, the Company’s intent to sell the security before recovery of its book/adjusted carrying value.

If the decline is judged to be other-than-temporary, an impairment charge to fair value is recorded as a net realized capital loss in the period the determination is made. Under GAAP, if the decline is judged to be other-than-temporary because the Company has the intent to sell the debt security or is more likely than not to be required to sell the debt security before its anticipated recovery, an impairment charge to fair value is recorded as a net realized capital loss. If the decline is judged to be other-than-temporary because the Company does not expect to recover the entire amortized cost basis of the security due to expected credit losses, an impairment charge is recorded to net realized capital loss as the difference between amortized cost and the net present value of expected future cash flows discounted at the effective interest rate implicit in the debt security prior to impairment.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

the individual security sold using the seriatim method. The net deferral is reported as the interest maintenance reserve (IMR) in the accompanying balance sheets. Realized capital gains and losses are reported in income net of federal income tax and transfers to the IMR. Under GAAP, realized capital gains and losses are reported in the statement of operations on a pretax basis in the period that the assets giving rise to the gains or losses are sold.

The asset valuation reserve (AVR) provides a valuation allowance for invested assets. The AVR is determined by an NAIC prescribed formula with changes reflected directly in capital and surplus. AVR is not recognized for GAAP.

Subsidiary

The accounts and operations of the Company’s subsidiary are not consolidated with the accounts and operations of the Company as would be required under GAAP.

Policy Acquisition Costs

The costs of acquiring and renewing business are expensed when incurred. Under GAAP, policy acquisition costs, related to traditional life insurance and certain long-duration accident and health insurance policies sold, to the extent recoverable from future policy revenues, would be deferred and amortized over the premium-paying period of the related policies using assumptions consistent with those used in computing policy benefit reserves; for universal life insurance and investment products, to the extent recoverable from future gross profits, deferred policy acquisition costs are amortized generally in proportion to the present value of expected gross profits from surrender charges and investments, mortality, and expense margins.

Nonadmitted Assets

Certain assets designated as “nonadmitted” (principally a portion of deferred tax assets), and other assets not specifically identified as an admitted asset within the NAIC’s Accounting Practices and Procedures Manual, are excluded from the accompanying balance sheets and are charged directly to accumulated deficit. Under GAAP, such assets are included in the balance sheets.

Premiums and Benefits

Revenues for universal life and annuity policies with mortality or morbidity risk, except for guaranteed interest and group annuity contracts, consist of the entire premium received, and benefits incurred represent the total of death benefits paid and the change in policy reserves. Premiums received for annuity policies without mortality or morbidity risk and for guaranteed interest and group annuity contracts are recorded using deposit accounting, and credited directly to an appropriate policy reserve account, without recognizing premium income. Under GAAP, premiums received in excess of policy charges would not be recognized as premium revenue and benefits would represent the excess of benefits paid over the policy account value and interest credited to the account values.

Benefit Reserves

Certain policy reserves are calculated using statutorily prescribed interest and mortality assumptions rather than on estimated expected experience or actual account balances as would be required under GAAP.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Reinsurance

A liability for reinsurance balances is required to be provided for unsecured policy reserves ceded to reinsurers not authorized to assume such business. Changes to those amounts are credited or charged directly to capital and surplus. Under GAAP, an allowance for amounts deemed uncollectible would be established through a charge to earnings.

Policy and contract liabilities ceded to reinsurers have been reported as reductions of the related reserves rather than as assets as would be required under GAAP. Commissions allowed by reinsurers on business ceded are reported as income when incurred rather than being deferred and amortized with policy acquisition costs as required under GAAP.

Deferred Income Taxes

Deferred tax assets are recorded for the amount of gross deferred tax assets expected to be realized in future years, and a valuation allowance is established for deferred tax assets not meeting a more-likely-than-not realization threshold. Deferred tax assets are limited to 1) the amount of federal income taxes paid in prior years that can be recovered through loss carrybacks for existing temporary differences that reverse during a time frame corresponding with Internal Revenue Service (IRS) tax loss carryback provisions, not to exceed three years, including amounts established in accordance with the provision of SSAP No. 5R, plus 2) for entities who meet the required realization threshold in SSAP No. 101, the lesser of the remaining gross deferred tax assets expected to be realized within three years of the balance sheet date or 15% of capital and surplus excluding any net deferred tax assets, electronic data processing equipment and operating software and any net positive goodwill, plus 3) the amount of remaining gross deferred tax assets that can be offset against existing gross deferred tax liabilities. The remaining deferred tax assets are nonadmitted. Under GAAP, a deferred tax asset is recorded for the amount of gross deferred tax assets expected to be realized in all future years, and a valuation allowance is established for deferred tax assets not meeting a more-likely-than-not realization threshold.

Statements of Cash Flow

Cash, cash equivalents and short-term investments in the statements of cash flow represent cash balances and investments with initial maturities of one year or less. Under GAAP, the corresponding captions of cash and cash equivalents include cash balances and investments with initial maturities of three months or less.

Other significant statutory accounting practices follow.

Investments

Debt securities, common stocks, preferred stocks, and short-term investments are stated at values prescribed by the NAIC, as follows:

Debt securities not backed by other loans are principally stated at amortized cost using the interest method.

Single-class and multiclass mortgage-backed/asset-backed securities are valued at amortized cost using the interest method including anticipated prepayments. Prepayment assumptions are obtained from

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Bloomberg and broker-dealer prepayment models or derived from empirical data and are based on the current interest rate and economic environment. The retrospective adjustment method is used to value all such securities except securities that are deemed to be other-than-temporarily impaired and securities that are principal-only or interest-only, which are valued using the prospective method.

Unaffiliated common stocks, other than Federal Home Loan Bank (FHLB) stock, are unrestricted and reported at fair value utilizing publicly quoted prices from third-party pricing services and the related unrealized capital gains and losses are reported in capital and surplus along with any adjustment for federal income taxes. FHLB stock is carried at cost and is restricted. At December 31, 2016 and 2015, the Company owned $13.2 million and $0.0 million, of FHLB stock, respectively. The FHLB stock is held in conjunction with the issuance of deposit contracts to the FHLB. See Note 9 for further description.

Redeemable preferred stocks that have characteristics of debt securities and are rated as medium quality or better are reported at cost or amortized cost. All other redeemable preferred stocks are reported at the lower of cost, amortized cost or fair value. Perpetual preferred stocks that have the characteristics of equity securities and are rated as medium quality or better are reported at cost. All other perpetual preferred stocks are reported at the lower of cost or fair value utilizing publicly quoted prices from third-party pricing services and the related unrealized capital gains and losses are reported in capital and surplus along with any adjustment for federal income taxes.

Short-term investments include investments with remaining maturities of one year or less at the date of acquisition and are principally stated at amortized cost, which approximates fair value.

Cash equivalents are short-term highly liquid investments with original maturities of three months or less and are principally stated at amortized cost, which approximates fair value.

The Company’s insurance subsidiary is reported at its underlying statutory equity. The net change in the subsidiary’s equity is included in capital and surplus.

Joint ventures, partnerships, and limited liability companies are carried at the Company’s interest in the underlying audited GAAP equity of the investee. Undistributed earnings allocated to the Company are reported in the change in net unrealized capital gains or losses. Distributions from earnings of the investees are reported as net investment income when received. Because of the indirect nature of these investments, there is an inherent reduction in transparency and liquidity and increased complexity in valuing the underlying investments. As a result, these investments are actively managed by the Company’s management via detailed evaluation of the investment performance relative to risk.

Mortgage loans are reported at unpaid principal balances, less an allowance for impairment. A mortgage loan is considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all principal and interest amounts due according to the contractual terms of the mortgage agreement. When management determines foreclosure is probable, the impairment is other than temporary; the mortgage loan is written down to realizable value and a realized loss is recognized.

Policy loans are reported at unpaid principal balances.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Debt securities and other loan interest are credited to income as it accrues. Dividends are recorded as income on ex-dividend dates. To the extent income is uncertain, due and accrued income is excluded and treated as nonadmitted through surplus.

Realized capital gains and losses are determined using the specific identification method.

Premiums

Life and accident and health premiums are recognized as revenue when due. Premiums for annuity policies with mortality and morbidity risk, except for guaranteed interest and group annuity contracts, are also recognized as revenue when due. Premiums received for annuity policies without mortality or morbidity risk and for guaranteed interest and group annuity contracts are recorded using deposit accounting.

Policy Reserves

Life and annuity reserves are developed by actuarial methods and are determined based on published tables using statutorily specified interest rates and valuation methods that will provide, in the aggregate, reserves that are greater than or equal to the minimum or guaranteed policy cash values or the amounts required by the Department. The Company waives deduction of deferred fractional premiums on the death of life and annuity policy insureds and does not return any premium beyond the date of death. Surrender values on policies do not exceed the corresponding benefit reserves. Policies issued subject to multiple table substandard extra premiums are valued on the standard reserve basis which recognizes the nonlevel incidence of the excess mortality costs. Additional reserves are established when the results of cash flow testing under various interest rate scenarios indicate the need for such reserves, or the net premiums exceed the gross premiums on any insurance in-force.

Contracts issued that do not incorporate mortality or morbidity risk, such as guaranteed interest contracts, are accounted for as deposit-type contracts. Amounts received as payments and amounts withdrawn on deposit-type contracts are recorded directly to the liability for deposit-type contracts.

The mean reserve method is used to adjust the calculated terminal reserve to the appropriate reserve at December 31. Mean reserves are determined by computing the regular mean reserve for the plan at the rated age and holding, in addition, one-half of the extra premium charge for the year. Policies issued after July 1 for substandard lives, are charged an extra premium plus the regular premium for the true age. Mean reserves are based on appropriate multiples of standard rates of mortality. An asset is recorded for deferred premiums net of loading to adjust the reserve for modal premium payments.

For substandard table ratings, mean reserves are based on 125% to 500% of standard mortality rates. For flat extra ratings, mean reserves are based on the standard or substandard mortality rates increased by 1 to 25 deaths per thousand.

Tabular interest, tabular less actual reserves released, and tabular cost have been determined by formula as prescribed by the NAIC. Tabular interest on funds not involving life contingencies was derived from basic data.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The establishment of appropriate reserves is an inherently uncertain process, and there can be no assurance that the ultimate liability will not exceed the Company’s policy reserves and have an adverse effect on the Company’s results of operations and financial condition. Due to the inherent uncertainty of estimating reserves, it has been necessary, and may over time continue to be necessary, to revise estimated future liabilities as reflected in the Company’s policy reserves.

Reinsurance

Reinsurance premiums and benefits paid or provided are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. The change in reserves for modified coinsurance contracts is recorded on the reserve adjustments on reinsurance ceded line in the statements of operations.

Securities Lending

At December 31, 2016, the Company has loaned $104.2 million and $38.8 million (fair value) in the general and separate account, respectively, of various debt securities, preferred stocks and common stocks as part of a securities lending program administered by Deutsche Bank. At December 31, 2015, the Company has loaned $107.4 million and $43.6 million (fair value) in the general and separate account, respectively, of various debt securities, preferred stocks and common stocks as part of a securities lending program administered by Deutsche Bank. The Company maintains effective control over all loaned securities and, therefore, continues to report such securities as invested assets in the balance sheets.

The Company requires at the initial transaction that the fair value of the cash collateral received must be equal to 102% of the fair value of the loaned securities. The Company monitors the ratio of the fair value of the collateral to loaned securities to ensure it does not fall below 100%. If the fair value of the collateral falls below 100% of the fair value of the securities loaned, the Company nonadmits that portion of the loaned security. At December 31, 2016 and 2015, the Company did not nonadmit any portion of the loaned securities.

The Company reports all collateral on the balance sheet with an offsetting liability recognized for the obligation to return the collateral. Collateral for the securities lending program is either managed by an affiliated agent of the Company or is managed by Deutsche Bank, an unaffiliated agent. Collateral managed by an affiliated agent, which approximated $145.8 million and $147.6 million at December 31, 2016 and 2015, respectively, is invested primarily in investment-grade debt securities and cash equivalents and is included in the applicable amount on the balance sheets because the funds are available for the general use of the Company. At December 31, 2016 and 2015, collateral managed by an unaffiliated agent, which approximated $0.1 million and $6.7 million, respectively, was invested in cash equivalents and was included in securities lending reinvested collateral assets on the balance sheet.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The aggregate collateral broken out by maturity date is as follows at December 31, 2016:



	Amortized Cost		Fair Value
	(In Thousands)

Open	$	—	$	—
30 days or less	13,504		13,503
31 to 60 days	15,042		15,040
61 to 90 days	15,004		15,007
91 to 120 days	3,708		3,705
121 to 180 days	24,178		24,158
181 to 365 days	23,407		23,409
1 to 2 years	900		900
2 to 3 years	—		—
Greater than 3 years	50,174		50,174
Total collateral	$	145,917	$	145,896

At December 31, 2016, all of the collateral held for the securities lending program was invested in tradable securities that could be sold and used to pay for the $146.3 million in collateral calls that could come due under a worst-case scenario where all collateral was called simultaneously.

There is no difference in the policy and procedures for the separate account. In addition, collateral for separate account securities lent is held in the general account with a corresponding payable and receivable between the general and separate accounts. The corresponding payable and receivable is included in the due to/from general account/separate account line on the balance sheets and was $39.6 million and $44.5 million at December 31, 2016 and 2015, respectively.

The Company does not accept collateral that is not permitted by contract or custom to sell or repledge. The Company does not have any securities lending transactions that extend beyond one year from the reporting date.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Separate Accounts

Separate account assets and liabilities reported in the accompanying balance sheets represent funds that are separately administered, principally for nonguaranteed variable annuity contracts and guaranteed market value adjustment annuity contracts. Assets held in the separate account supporting variable annuities are carried at fair value. Assets held in the separate account supporting market value adjusted annuities are carried at the general account basis. These separate account assets are considered legally insulated from the general account. Surrender charges collectible by the general account in the event of annuity contract surrenders are reported as a negative liability rather than an asset. Policy-related activity involving cash flow, such as premiums and benefits, are reported in the accompanying statements of operations in separate line items combined with related general account amounts. Investment income and interest credited on deposits held in guaranteed separate accounts are included in the accompanying statements of operations as a net amount included in net transfers to (from) separate accounts. The Company receives administrative fees for managing the nonguaranteed separate accounts and other fees for assuming mortality and certain expense risks.

Federal Income Taxes

Western and Southern files a consolidated income tax return with its eligible subsidiaries and affiliates, including the Company. The provision for federal income taxes is allocated to the Company using a separate return method based upon a written tax-sharing agreement. The benefits from losses of subsidiaries and affiliates, which are utilized in the consolidated return, will be retained by the subsidiaries and affiliates under the tax-sharing agreement. Western and Southern pays all federal income taxes due for all members of the consolidated group. The Company will then charge or reimburse, as the case may be, the members of the group an amount consistent with the method described in the tax-sharing agreement.

The Company includes interest and penalties in the federal income tax line on the statements of operations.

Reclassifications

Certain prior year amounts in the Company’s statutory-basis financial statements have been reclassified to conform to the current year financial statement presentation.

Subsequent Events

The Company recognizes in the financial statements the effects of all subsequent events that provide additional evidence about conditions that existed at the balance sheet date. For nonrecognized subsequent events that must be disclosed to keep the financial statements from being misleading, the Company is required to disclose the nature of the event as well as an estimate of its financial effect, or a statement that such an estimate cannot be made. Management has evaluated subsequent events through the issuance of these financial statements on April 28, 2017.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

2. Investments

The book/adjusted carrying value and fair value of the Company’s investments in debt securities are summarized as follows:



	Book/ Adjusted Carrying Value		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2016:
U.S. Treasury securities and obligations of U.S. government corporation and agencies	$	16,385	$	36	$	(5	)	$	16,416
Debt securities issued by states of the U.S. and political subdivisions of the states	39,915		1,680		(60		)	41,535
Corporate securities	2,586,794		136,812		(22,132		)	2,701,474
Commercial mortgage-backed securities	432,110		4,914		(4,448		)	432,576
Residential mortgage-backed securities	393,033		21,716		(5,825		)	408,924
Asset-backed securities	688,562		13,493		(11,451		)	690,604
Total	$	4,156,799	$	178,651	$	(43,921	)	$	4,291,529

At December 31, 2015:
U.S. Treasury securities and obligations of U.S. government corporation and agencies	$	16,171	$	32	$	(2	)	$	16,201
Debt securities issued by states of the U.S. and political subdivisions of the states	38,454		1,749		(195		)	40,008
Corporate securities	2,147,537		117,363		(53,636		)	2,211,264
Commercial mortgage-backed securities	224,287		4,126		(950		)	227,463
Residential mortgage-backed securities	338,930		24,852		(3,353		)	360,429
Asset-backed securities	405,602		10,114		(3,921		)	411,795
Total	$	3,170,981	$	158,236	$	(62,057	)	$	3,267,160

At December 31, 2016 and 2015, the Company held unrated or below-investment-grade corporate debt securities with a book/adjusted carrying value of $335.6 million and $239.4 million, respectively, with an aggregate fair value of $347.4 million and $236.6 million, respectively. As of December 31, 2016 and 2015, such holdings amount to 8.1% and 7.6%, respectively, of the Company’s investments in debt securities and 4.2% and 3.5%, respectively, of the Company’s total admitted assets. The Company performs periodic evaluations of the relative credit standing of the issuers of these debt securities. The Company considers these evaluations in its overall investment strategy.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Unrealized gains and losses on investments in unaffiliated common stocks and common stock of subsidiary are reported directly in capital and surplus and do not affect net income. The unrealized gains and unrealized losses on, and the cost and fair value of those investments and preferred stocks are as follows:



	Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2016:
Preferred stocks	$	19,383	$	139	$	(615	)	$	18,907

Common stocks, unaffiliated	$	158,075	$	18,221	$	(2,035	)	$	174,261
Common stocks, mutual funds	10,751		1,111		—			11,862
Common stocks, subsidiary	228,982		130,280		—			359,262
	$	397,808	$	149,612	$	(2,035	)	$	545,385

At December 31, 2015:
Preferred stocks	$	10,664	$	581	$	(118	)	$	11,127

Common stocks, unaffiliated	$	131,686	$	48,153	$	(3,634	)	$	176,205
Common stocks, subsidiary	228,982		127,660		—			356,642
	$	360,668	$	175,813	$	(3,634	)	$	532,847

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The following table shows unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position.



	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized			Fair		Unrealized			Fair
	Losses			Value		Losses			Value
	(In Thousands)
At December 31, 2016:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	(5	)	$	311	$	—		$	—
Debt securities issued by states of the U.S. and political subdivisions of the states	(60		)	6,171		—			—
Corporate securities	(17,588		)	628,184		(4,544		)	57,711
Commercial mortgage-backed securities⁽¹⁾	(4,448		)	166,344		—			—
Residential mortgage-backed securities⁽¹⁾	(4,160		)	171,494		(1,665		)	19,814
Asset-backed securities⁽¹⁾	(11,105		)	403,392		(346		)	6,050
Total	$	(37,366	)	$	1,375,896	$	(6,555	)	$	83,575

Preferred stocks	$	(615	)	$	10,841	$	—		$	—
Common stocks, unaffiliated	$	(2,035	)	$	50,542	$	—		$	—

⁽¹⁾Amounts relate to securities subject to SSAP 43R.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized			Fair		Unrealized			Fair
	Losses			Value		Losses			Value
	(In Thousands)
At December 31, 2015:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	(2	)	$	819	$	—		$	—
Debt securities issued by states of the U.S. and political subdivisions of the states	(176		)	13,066		(19		)	981
Corporate securities	(44,648		)	690,983		(8,988		)	41,946
Commercial mortgage-backed securities⁽¹⁾	(950		)	99,746		—			—
Residential mortgage-backed securities⁽¹⁾	(1,943		)	103,840		(1,410		)	22,346
Asset-backed securities⁽¹⁾	(3,408		)	206,915		(513		)	6,441
Total	$	(51,127	)	$	1,115,369	$	(10,930	)	$	71,714

Preferred stocks	$	(118	)	$	4,882	$	—		$	—
Common stocks, unaffiliated	$	(2,874	)	$	34,855	$	(760	)	$	1,377

⁽¹⁾Amounts relate to securities subject to SSAP 43R.

Investments that are impaired at December 31, 2016 and 2015, for which other-than-temporary impairments have not been recognized, consist mainly of corporate debt securities, asset-backed securities and residential mortgage-backed securities. The aggregated unrealized loss is approximately 3.0% and 5.1% of the carrying value of securities considered temporarily impaired at December 31, 2016 and 2015, respectively. At December 31, 2016, there were a total of 373 securities held that are considered temporarily impaired, 59 of which have been impaired for 12 months or longer. At December 31, 2015, there were a total of 395 securities held that are considered temporarily impaired, 43 of which have been impaired for 12 months or longer. The Company recorded other-than-temporary impairments on securities of $7.1 million, $7.7 million, and $1.4 million for the years ended December 31, 2016, 2015 and 2014, respectively.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The following is a list of each loan-backed security held at December 31, 2016, with a recognized other-than-temporary impairment (OTTI) for the year ended December 31, 2016, where the present value of future cash flows expected to be collected was less than the amortized cost basis of the securities:



CUSIP	Book/ Adjusted Carrying Value Amortized Cost Before Current Period OTTI		Present Value of Future Cash Flows		Recognized Other- Than- Temporary Impairment		Amortized Cost After Other-Than-Temporary Impairment		Fair Value		Date of Other-Than-Temporary Impairment




(In Thousands)
For the year ended, December 31, 2016:

46628S-AJ-2	$	1,850	$	1,828	$	22	$	1,828	$	1,728	6/30/2016
52524M-AV-1	638		581		57		581		506		6/30/2016
86359D-SR-9	1,521		1,520		1		1,520		1,398		6/30/2016
3622MP-AP-3	33		26		7		26		23		9/30/2016
52524M-AV-1	577		503		74		503		503		12/31/2016
116663-AC-9	6,950		3,614		3,336		3,614		2,224		12/31/2016
60467M-AC-5	2,908		2,499		409		2,499		2,499		12/31/2016
Total	XXX		XXX		$	3,906	XXX		XXX

The Company had no OTTI on loan-backed and structured securities for the year ended December 31, 2016, due to the intent to sell the security or the inability or lack of intent to retain the investment in the security for a period of time sufficient to recover the amortized cost basis.

A summary of the cost or amortized cost and fair value of the Company’s debt securities at December 31, 2016, by contractual maturity, is as follows:



	Book/Adjusted Carrying Value		Fair Value
	(In Thousands)
Years to maturity:
One or less	$	159,365	$	161,130
After one through five	654,463		683,394
After five through ten	1,125,696		1,131,458
After ten	703,570		783,443
Mortgage-backed securities/asset-backed securities	1,513,705		1,532,104
Total	$	4,156,799	$	4,291,529

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The expected maturities may differ from contractual maturities in the foregoing table because certain borrowers have the right to call or prepay obligations with or without call or prepayment penalties and because asset-backed and mortgage-backed securities (including floating-rate securities) provide for periodic payments throughout their lives.

Proceeds from the sales of investments in debt securities during 2016, 2015 and 2014 were $244.7 million, $151.4 million, and $156.3 million; gross gains of $9.6 million, $8.0 million, and $6.8 million and gross losses of $2.0 million, $3.8 million, and $1.3 million were realized on those sales, respectively.

Proceeds from the sales of investments in equity securities during 2016, 2015 and 2014 were $107.7 million, $159.4 million and $194.9 million; gross gains of $48.0 million, $10.9 million, and $32.4 million and gross losses of $1.8 million, $13.1 million, and $5.7 million were realized on those sales, respectively.

Realized capital gains (losses) are reported net of federal income taxes and amounts transferred to the IMR as follows for the years ended December 31:



	2016		2015			2014
	(In Thousands)

Realized capital gains (losses)	$	50,744	$	(10,274	)	$	33,902
Less amount transferred to IMR (net of related taxes (benefits) of $3,424 in 2016, $450 in 2015 and $1,066 in 2014)	6,358		835			1,980
Less federal income tax expense (benefit) on realized capital gains (losses)	18,805		(2,930		)	14,135
Net realized capital gains (losses)	$	25,581	$	(8,179	)	$	17,787

Net investment income was generated from the following for the years ended December 31:



	2016		2015		2014
	(In Thousands)

Debt securities	$	167,739	$	137,186	$	128,985
Equity securities	40,092		43,752		13,243
Mortgage loans	10,098		6,030		2,965
Policy loans	8,974		8,170		9,190
Cash, cash equivalents and short-term investments	607		314		284
Other invested assets	7,436		5,611		3,437
Other	804		459		836
Gross investment income	235,750		201,522		158,940
Investment expenses	3,424		2,866		2,719
Net investment income	$	232,326	$	198,656	$	156,221

The Company’s investments in mortgage loans principally involve commercial real estate. At December 31, 2016, 43.3% of such mortgages, or $113.5 million, involved properties located in Colorado, Ohio, and Utah. Such investments consist primarily of first-mortgage liens on completed income-producing properties. The

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

aggregate mortgage outstanding to any one borrower does not exceed $37.5 million. During 2016, the respective minimum and maximum lending rates for mortgage loans issued were 3.95% and 4.50%. At the issuance of a loan, the percentage of any one loan to value of security, exclusive of insured, guaranteed or purchase money mortgage did not exceed 80.0%. During 2016, the Company did not reduce interest rates on any outstanding mortgages.

Derivative Instruments

The Company invests in derivatives as risk management for its equity indexed products. The exposure to credit risk on its interest rate floors and option positions is the risk of loss from a counterparty failing to perform according to the terms of the contract. That exposure includes settlement risk (i.e., the risk that the counterparty defaults after the Company has delivered funds or securities under terms of the contract) that would result in an accounting loss and replacement cost risk (i.e., the cost to replace the contract at current market rates should the counterparty default prior to settlement date). To limit exposure associated with counterparty nonperformance on its option positions, the Company limits its exposure to individual counterparties to 2% of admitted assets.

The Company markets equity indexed annuities. The risk associated with these products is that the ultimate benefit paid could be higher than the return earned from the underlying assets. The Company utilizes custom and exchange-traded call options to economically hedge the S&P 500 index and Goldman Sachs Multi-Asset Equity index exposure embedded in these products with a net notional amount of $1,213.7 million and $698.8 million at December 31, 2016 and 2015, respectively. The Company purchases and writes call options to correlate with changes in the annuity features due to movements in the S&P 500 and Goldman Sachs Multi-Asset Equity index. At the beginning of these contracts, a premium is either paid or received for transferring the related risk. The Company retains basis risk and risk associated with actual versus expected assumptions for mortality and lapse rates. The Company does not apply hedge accounting treatment to these call options. The Company recognizes changes in the fair value of these call options through unrealized gains/losses and the related gains/losses from terminations, maturities or expirations through realized capital gains/losses. The change in fair value was $0.8 million, $(7.8) million, and $0.2 million for the years ended December 31, 2016, 2015, and 2014, respectively.

The Company has entered into a collateral agreement with the counterparty whereby under certain conditions the counterparty is required to post assets on the Company’s behalf. The posted amount is equal to the difference between the net positive fair value of the option and the agreed upon thresholds that are based on the credit rating of the counterparty. Inversely, if the net fair value of the option is negative, then the Company may be required to post assets using similar thresholds. At December 31, 2016 and 2015, $27.0 million and $9.4 million, respectively, of cash collateral had been posted to the Company.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Information related to the Company’s derivative instruments as described above and the effects of offsetting on the balance sheet consisted of the following for the years ended December 31:



	2016			2015
	(In Thousands)
Derivative assets:
Gross amount of recognized assets	$	49,950		$	17,287
Gross amounts offset	—			—
Net amount of assets	$	49,950		$	17,287

Derivative liabilities:
Gross amount of recognized liabilities	$	(13,145	)	$	(2,306	)
Gross amounts offset	—			—
Net amount of liabilities	$	(13,145	)	$	(2,306	)

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

3. Fair Values of Financial Instruments

Included in various investment-related line items in the financial statements are certain financial instruments carried at fair value. Other financial instruments are periodically measured at fair value such as when impaired or, for certain bonds and preferred stocks, when carried at the lower of cost or market.

The Company uses fair value measurements to record the fair value of certain assets and liabilities and to estimate the fair value of financial instruments not recorded at fair value but required to be disclosed at fair value. Certain financial instruments, particularly policyholder liabilities other than investment-type contracts, are excluded from this fair value discussion.

Fair value is defined as the price that would be received to sell an asset or transfer a liability in an orderly transaction between market participants at the measurement date. The Company’s financial assets and liabilities carried at fair value have been classified, for disclosure purposes, based on the following hierarchy that prioritizes inputs to valuation techniques used to measure fair value into three levels. The Company’s policy is to recognize transfers in and transfers out of levels at the beginning of the quarterly reporting period.


•	Level 1 - Quoted prices (unadjusted) in active markets for identical assets or liabilities. The Company’s Level 1 assets and liabilities primarily include exchange-traded equity securities and mutual funds, including those which are part of the Company’s separate account assets.

•

Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. The Company’s Level 2 assets and liabilities primarily include call options and initially rated NAIC 6 residential mortgage-backed securities representing senior and subordinated tranches in securitization trusts containing residential mortgage loans, including those which are part of the Company's separate account assets. The Company determined fair value through the use of third-party pricing services utilizing market observable inputs.


•	Level 3 - Significant unobservable inputs for the asset or liability. The Company’s Level 3 assets and liabilities include certain call options. The fair values of these instruments are determined through the use of valuation models that utilize significant unobservable inputs.

Fair value estimates are made at a specific point in time, based on available market information and judgments about the financial instrument, including discount rates, estimates of timing, amount of expected future cash flows and the credit standing of the issuer. Such estimates do not consider the tax impact of the realization of unrealized gains or losses.

For Level 3 investments, the fair value estimates cannot be substantiated by comparison to independent markets. In addition, the disclosed fair value may not be realized in the immediate settlement of the financial instrument.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

As described below, certain fair values are determined through the use of third-party pricing services. Management does not adjust prices received from third parties; however, the Company does analyze the third-party pricing services’ valuation methodologies and related inputs and performs additional evaluation to determine the appropriate level within the fair value hierarchy. The Company performs annual due diligence of third-party pricing services, which includes assessing the vendor’s valuation qualifications, control environment, analysis of asset class-specific valuation methodologies and understanding of market observable assumptions and unobservable assumptions, if any, employed in the valuation methodology. Care should be exercised in deriving conclusions about the Company’s business, its value or financial position based on the fair value information of financial instruments presented below. The following discussion describes the valuation methodologies utilized by the Company for assets and liabilities measured or disclosed at fair value.

Debt Securities

The fair values of debt securities and asset/mortgage-backed securities have been determined through the use of third-party pricing services utilizing market observable inputs. Private placement securities trading in less liquid or illiquid markets with limited or no pricing information are valued using either broker quotes or by discounting the expected cash flows using current market-consistent rates applicable to the yield, credit quality and maturity of each security.

Equity Securities

The fair values of actively traded equity securities have been determined utilizing publicly quoted prices obtained from third-party pricing services. The fair values of certain equity securities for which no publicly quoted prices are available have been determined through the use of third-party pricing services utilizing market observable inputs. Actively traded mutual funds are valued using the net asset values of the funds.

Mortgage Loans

The fair values for mortgage loans, consisting principally of commercial real estate loans, are estimated using discounted cash flow analyses, using interest rates currently being offered for similar loans collateralized by properties with similar investment risk. The fair values for mortgage loans in default are established at the lower of the fair value of the underlying collateral less costs to sell or the carrying amount of the loan.

Cash, Cash Equivalents and Short-Term Investments

The fair values of cash, cash equivalents and short-term investments are based on quoted market prices or stated amounts.

Derivative Instruments

The fair values of free-standing derivative positions, primarily call options, are determined through the use of third-party pricing services utilizing market observable inputs or valuation models incorporating significant unobservable inputs, including projected cash flows, applicable swap curves and implied volatilities.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Securities Lending Reinvested Collateral Assets

The fair values of securities lending reinvested collateral assets are determined through the use of third-party sources utilizing publicly quoted prices.

Other Invested Assets

Other invested assets primarily include surplus debentures for which fair values have been determined through the use of third-party pricing services utilizing market observable inputs.

Assets Held in Separate Accounts

Assets held in separate accounts primarily include debt securities, equity securities, mutual funds and mortgage loans. The fair values of these assets have been determined using the same methodologies as similar assets held in the general account.

Life and Annuity Reserves for Investment-Type Contracts and Deposit Fund Liabilities

The fair value of liabilities for investment-type contracts is based on the present value of estimated liability cash flows, which are discounted using rates that incorporate risk-free rates and margins for the Company’s own credit spread and the riskiness of cash flows. Key assumptions to the cash flow model include the timing of policyholder withdrawals and the level of interest credited to contract balances. Fair values for insurance reserves are not required to be disclosed. However, the estimated fair values of all insurance reserves and investment contracts are taken into consideration in the Company’s overall management of interest rate risk.

Cash Collateral Payable

The payable represents the obligation to return cash collateral the Company has received relating to derivative instruments. The fair value is based upon the stated amount.

Securities Lending Liability

The liability represents the Company’s obligation to return collateral related to securities lending transactions. The liability is short-term in nature and therefore, the fair value of the obligation approximates the carrying amount.

Separate Account Liabilities

Certain separate account liabilities are classified as investment contracts and are carried at an amount equal to the related separate account assets. Carrying value is a reasonable estimate of the fair value as it represents the exit value as evidenced by withdrawal transactions between contract holders and the Company.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Assets and liabilities measured at fair value on a recurring basis are outlined below:



	Assets
	(Liabilities)
	Measured at			Fair Value Hierarchy Level
	Fair Value			Level 1		Level 2			Level 3
	(In Thousands)
At December 31, 2016
Assets:
Residential mortgage-backed securities	$	379		$	—	$	379		$	—
Common stocks, unaffiliated	161,015			161,015		—			—
Common stocks, mutual funds	11,862			11,862		—			—
Derivative assets	49,950			—		16,975			32,975
Separate account assets*	761,795			759,793		2,002			—
Total assets	$	985,001		$	932,670	$	19,356		$	32,975

Liabilities:
Derivative liabilities	$	(13,145	)	$	—	$	(13,145	)	$	—

At December 31, 2015
Assets:
Common stocks, unaffiliated	$	176,205		$	176,205	$	—		$	—
Derivative assets	17,287			—		4,340			12,947
Separate account assets*	712,164			712,164		—			—
Total assets	$	905,656		$	888,369	$	4,340		$	12,947

Liabilities:
Derivative liabilities	$	(2,306	)	$	—	$	(2,306	)	$	—


*	Separate account assets measured at fair value in this table do not include assets backing market value adjusted annuities, which are held at amortized cost, with the exception of securities rated NAIC 6 where the security’s fair value is below amortized cost.

There were no transfers between Level 1 and Level 2 of the fair value hierarchy.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016, is as follows:



	Beginning Asset/ (Liability) as of		Total Realized/ Unrealized Gains (Losses) Included in:					Purchases, Sales, Issuances and Settlements		Transfers Into Level 3		Transfers Out of Level 3		Ending Asset/ (Liability) as of
	January 1, 2016		Net Income		Surplus			Purchases, Sales, Issuances and Settlements		Transfers Into Level 3		Transfers Out of Level 3		December 31, 2016
	(In Thousands)
Assets:
Derivative assets	$	12,947	$	—	$	(1,135	)	$	21,163	$	—	$	—	$	32,975

The gross purchases, issuances, sales and settlements included in the reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016, is as follows:



	Purchases		Issuances		Sales		Settlements		Net Purchases, Issuances, Sales and Settlements
	(In Thousands)
Assets:
Derivative assets	$	21,163	$	—	$	—	$	—	$	21,163

The reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2015, is as follows:



	Beginning Asset/ (Liability) as of		Total Realized/ Unrealized Gains (Losses) Included in:					Purchases, Sales, Issuances and Settlements		Transfers Into Level 3*		Transfers Out of Level 3		Ending Asset/ (Liability) as of
	January 1, 2015		Net Income		Surplus			Purchases, Sales, Issuances and Settlements		Transfers Into Level 3*		Transfers Out of Level 3		December 31, 2015
	(In Thousands)
Assets:
Derivative assets	$	—	$	—	$	(6,864	)	$	19,137	$	674	$	—	$	12,947

* Transfers into Level 3 primarily include call options for which the Company began utilizing a valuation model incorporating significant unobservable inputs.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Purchases		Issuances		Sales		Settlements		Net Purchases, Issuances, Sales and Settlements
	(In Thousands)
Assets:
Derivative assets	$	19,137	$	—	$	—	$	—	$	19,137

The following table provides a summary of the significant unobservable inputs used in the fair value measurements developed by the Company or reasonably available to the Company of Level 3 assets and liabilities at (in thousands):



December 31, 2016
Security Type	Fair Value		Valuation Technique	Unobservable Input	Input

Derivative assets	$	32,975	Black-Scholes-Merton Model Spreads and Average Algorithm Model Monte Carlo Model	Implied Volatility	7%



December 31, 2015
Security Type	Fair Value		Valuation Technique	Unobservable Input	Input

Derivative assets	$	12,947	Black-Scholes-Merton Model Spreads and Average Algorithm Model Monte Carlo Model	Implied Volatility	7%

In isolation, significant increases (decreases) in the implied volatility would typically result in a significantly higher (lower) fair value measurement for Level 3 derivative assets and Level 3 derivative liabilities.

The Company did not have any significant assets or liabilities measured at fair value on a nonrecurring basis as of December 31, 2016 and 2015.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The carrying amounts and fair values of the Company’s significant financial instruments follow:



	December 31, 2016
	Carrying Amount			Fair Value			(Level 1)		(Level 2)			(Level 3)
	(In Thousands)
Assets:
Bonds	$	4,156,799		$	4,291,529		$	5,616	$	4,010,725		$	275,188
Common stock, unaffiliated**	174,261			174,261			174,261		—			—
Common stock, mutual funds	11,862			11,862			11,862		—			—
Preferred stock	19,383			18,907			—		13,852			5,055
Mortgage loans	262,348			266,063			—		—			266,063
Cash, cash equivalents and short-term investments	138,400			138,400			138,400		—			—
Other invested assets, surplus notes	16,008			18,828			—		18,828			—
Securities lending reinvested collateral assets	88			88			88		—			—
Derivative assets	49,950			49,950			—		16,975			32,975
Separate account assets	2,440,514			2,489,155			759,780		1,547,694			181,681

Liabilities:
Life and annuity reserves for investment-type contracts and deposit fund liabilities	$	(1,285,818	)	$	(1,368,958	)	$	—	$	—		$	(1,368,958	)
Fixed-indexed annuity contracts	(1,183,302		)	(1,204,316		)	—		—			(1,204,316		)
Derivative liabilities	(13,145		)	(13,145		)	—		(13,145		)	—
Cash collateral payable	(26,990		)	(26,990		)	—		(26,990		)	—
Separate account liabilities*	(1,657,419		)	(1,747,304		)	—		—			(1,747,304		)
Securities lending liability	(106,734		)	(106,734		)	—		(106,734		)	—

* Variable annuity contracts are considered insurance contracts and therefore, are not included in separate account liabilities for purposes of this disclosure.

** Includes FHLB common stock, which is held at cost.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	December 31, 2015
	Carrying Amount			Fair Value			(Level 1)		(Level 2)			(Level 3)
	(In Thousands)
Assets:
Bonds	$	3,170,981		$	3,267,160		$	5,601	$	3,050,886		$	210,673
Common stock, unaffiliated	176,205			176,205			176,205		—			—
Preferred stock	10,664			11,127			—		6,245			4,882
Mortgage loans	189,394			195,390			—					195,390
Cash, cash equivalents and short-term investments	109,938			109,938			109,938		—			—
Other invested assets, surplus notes	16,022			18,159			—		18,159			—
Securities lending reinvested collateral assets	6,691			6,691			6,691		—			—
Derivative assets	17,287			17,287			—		4,340			12,947
Separate account assets	2,480,288			2,520,005			712,103		1,617,085			190,817

Liabilities:
Life and annuity reserves for investment-type contracts and deposit fund liabilities	$	(1,148,640	)	$	(1,262,724	)	$	—	$	—		$	(1,262,724	)
Equity-indexed insurance contracts	(606,086		)	(618,228		)	—		—			(618,228		)
Derivative liabilities	(2,306		)	(2,306		)	—		(2,306		)	—
Separate account liabilities*	(1,726,526		)	(1,842,638		)	—		—			(1,842,638		)
Securities lending liability	(110,042		)	(110,042		)	—		(110,042		)	—

* Variable annuity contracts are considered insurance contracts and therefore, are not included in separate account liabilities for purposes of this disclosure.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

4. Related-Party Transactions

The Company received a $34.0 million ordinary dividend from National Integrity in November 2016. The dividend was in the form of cash.

The Company received a capital contribution of $45.0 million from Western and Southern in December 2016. The capital contribution was in the form of cash.

The Company received a $37.0 million ordinary dividend from National Integrity in November 2015. The dividend was in the form of cash.

The Company paid a $25.0 million ordinary dividend to Western and Southern in December 2015. The dividend was in the form of cash.

The Company received a $6.5 million ordinary dividend from National Integrity in November 2014. The dividend was in the form of cash.

The Company paid a $66.8 million ordinary dividend and a $33.2 million extraordinary dividend to Western and Southern in December 2014. The dividend consisted of $75.0 million in cash and $25.0 million in bonds at fair value.

The Company had $0.1 million and $0.0 million receivable from parent, subsidiaries and affiliates as of December 31, 2016 and 2015, respectively. The Company had $2.7 million and $3.3 million payable to parent, subsidiaries and affiliates as of December 31, 2016 and 2015, respectively. The terms of the settlement generally require that these amounts be settled in cash within 30 days.

The Company has entered into a reinsurance agreement with Western and Southern. See Note 5 for further description.

5. Reinsurance

Certain premiums and benefits are assumed from and ceded to other insurance companies under various reinsurance agreements. The ceded reinsurance agreements provide the Company with increased capacity to write larger risks and maintain its exposure to loss within its capital resources.

The Company has a modified coinsurance agreement with Western and Southern, whereby the Company cedes structured settlements, guaranteed rate option annuities, and accumulation products written before July 1, 2002. Under the terms of the agreement, the Company retains the reserves and the related assets of this business.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The effects of reinsurance on premiums, annuity considerations and deposit-type funds are as follows for the years ended December 31:



	2016			2015			2014
	(In Thousands)

Direct premiums	$	1,203,499		$	1,103,381		$	409,461
Assumed premiums:
Affiliates	—			—			—
Nonaffiliates	87			96			106
Ceded premiums:
Affiliates	(1,408		)	(1,879		)	(1,694		)
Nonaffiliates	(362		)	(370		)	(408		)
Net premiums	$	1,201,816		$	1,101,228		$	407,465

The Company’s ceded reinsurance arrangements reduced certain other items in the accompanying financial statements by the following amounts as of and for the years ended December 31:



	2016		2015		2014
	(In Thousands)
Benefits paid or provided:
Affiliates	$	74,494	$	85,934	$	77,054
Nonaffiliates	1,138		3,863		2,753
Policy and contract liabilities:
Affiliates	—		—		—
Nonaffiliates	1,849		2,639		5,311
Amounts receivable on reinsurance contracts:
Affiliates	12,995		15,730		11,501
Nonaffiliates	32		2		364

In 2016, 2015 and 2014, the Company did not commute any ceded reinsurance nor did it enter into or engage in any agreement that reinsures policies or contracts that were in-force or had existing reserves as of the effective date of such agreements.

At December 31, 2016, the Company has no reserves ceded to unauthorized reinsurers. Amounts payable or recoverable for reinsurance on policy and contract liabilities are not subject to periodic or maximum limits. At December 31, 2016, the Company’s reinsurance recoverables are not material and no individual reinsurer owed the Company an amount that was equal to or greater than 3% of the Company’s capital and surplus.

Neither the Company nor any of its related parties, control directly or indirectly, any reinsurers with whom the Company conducts business. No policies issued by the Company have been reinsured with a foreign company, which is controlled, either directly or indirectly, by a party not primarily engaged in the business of insurance. The Company does not have any reinsurance agreements in effect under which the reinsurer may unilaterally cancel the agreement. At December 31, 2016, there are no reinsurance agreements in effect such that the amount of losses paid or accrued exceed the total direct premium collected. The Company remains obligated for amounts ceded in the event that the reinsurers do not meet their obligations.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

There would be no reduction in surplus at December 31, 2016, if all reinsurance agreements were cancelled.

6. Federal Income Taxes

The Company is included in the consolidated federal income tax return of Western and Southern. The Company had a receivable (payable) from (to) Western and Southern in the amount of $(15.5) million and $3.6 million at December 31, 2016 and 2015, respectively. The tax years 2008 through 2016 remain subject to examination by major tax jurisdictions.

The amount of federal income taxes incurred that will be available for recoupment at December 31, 2016, in the event of future net losses is $38.7 million, $9.1 million, and $24.9 million from 2016, 2015 and 2014, respectively.

The components of the net deferred tax asset (liability) at December 31 are as follows:



		12/31/2016
		(in thousands)
		(1)		(2)			(3)
							(Col 1+2)
		Ordinary		Capital			Total

(a)	Gross deferred tax assets	$	49,138	$	11,728		$	60,866
(b)	Statutory valuation allowance adjustments	—		—			—
(c)	Adjusted gross deferred tax assets (a - b)	49,138		11,728			60,866
(d)	Deferred tax assets nonadmitted	29,640		—			29,640
(e)	Subtotal net admitted deferred tax assets (c - d)	19,498		11,728			31,226
(f)	Deferred tax liabilities	9,147		10,742			19,889
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	10,351	$	986		$	11,337

		12/31/2015
		(in thousands)
		(4)		(5)			(6)
							(Col 4+5)
		Ordinary		Capital			Total

(a)	Gross deferred tax assets	$	51,540	$	8,342		$	59,882
(b)	Statutory valuation allowance adjustments	—		—			—
(c)	Adjusted gross deferred tax assets (a - b)	51,540		8,342			59,882
(d)	Deferred tax assets nonadmitted	21,384		—			21,384
(e)	Subtotal net admitted deferred tax assets (c - d)	30,156		8,342			38,498
(f)	Deferred tax liabilities	7,345		17,445			24,790
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	22,811	$	(9,103	)	$	13,708

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		Change
		(in thousands)
		(7)			(8)			(9)
								(Col 7+8)
		Ordinary			Capital			Total

(a)	Gross deferred tax assets	$	(2,402	)	$	3,386		$	984
(b)	Statutory valuation allowance adjustments	—			—			—
(c)	Adjusted gross deferred tax assets (a - b)	(2,402		)	3,386			984
(d)	Deferred tax assets nonadmitted	8,256			—			8,256
(e)	Subtotal net admitted deferred tax assets (c - d)	(10,658		)	3,386			(7,272		)
(f)	Deferred tax liabilities	1,802			(6,703		)	(4,901		)
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	(12,460	)	$	10,089		$	(2,371	)

		12/31/2016
		(in thousands)
		(1)			(2)			(3)
								(Col 1+2)
Admission Calculation Components SSAP No. 101		Ordinary			Capital			Total

(a)	Federal income taxes paid in prior years recoverable through loss carrybacks	$	10,276		$	1,061		$	11,337
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—			—			—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—			—			—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX			XXX			111,117
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	9,222			10,667			19,889
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	19,498		$	11,728		$	31,226

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		12/31/2015
		(in thousands)
		(4)			(5)			(6)
								(Col 4+5)
Admission Calculation Components SSAP No. 101		Ordinary			Capital			Total

(a)	Federal income taxes paid in prior years recoverable through loss carrybacks	$	11,208		$	2,500		$	13,708
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—			—			—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—			—			—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX			XXX			99,728
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	18,948			5,842			24,790
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	30,156		$	8,342		$	38,498

		Change
		(in thousands)
		(7)			(8)			(9)
								(Col 7+8)
Admission Calculation Components SSAP No. 101		Ordinary			Capital			Total

(a)	Federal income taxes paid in prior years recoverable through loss	$	(932	)	$	(1,439	)	$	(2,371	)
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—			—			—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—			—			—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX			XXX			11,389
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	(9,726		)	4,825			(4,901		)
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	(10,658	)	$	3,386		$	(7,272	)

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		2016	2015
		(in thousands)
(a)	Ratio percentage used to determine recovery period and threshold limitation amount	851%	800%
(b)	Amount of adjusted capital and surplus used to determine recovery period and threshold limitation in (b)2 above	$105,176	$95,549

		12/31/2016
		(1)	(2)

Impact of tax planning strategies		Ordinary	Capital
		(in thousands)
(a)	Adjusted gross DTAs amount	$49,138	$11,728
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	3.29%	1.74%
(c)	Net Admitted Adjusted Gross DTAs amount	$19,498	$11,728
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	6.40%	3.40%

		12/31/2015
		(3)	(4)

Impact of tax planning strategies		Ordinary	Capital
		(in thousands)
(a)	Adjusted gross DTAs amount	$51,540	$8,342
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	3.34%	4.17%
(c)	Net Admitted Adjusted Gross DTAs amount	$30,156	$8,342
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	5.20%	6.49%

		Change
		(5)	(6)
		(Col 1-3)	(Col 2-4)
Impact of tax planning strategies		Ordinary	Capital
		(in thousands)
(a)	Adjusted gross DTAs amount	$(2,402)	$3,386
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	(0.05)%	(2.43)%
(c)	Net Admitted Adjusted Gross DTAs amount	$(10,658)	$3,386
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	1.20%	(3.09)%

The Company’s tax planning strategies do include the use of reinsurance.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Current income taxes incurred consist of the following major components:



			12/31/2016			12/31/2015			12/31/2014
(1)	Current income tax		(in thousands)
	(a)	Federal	$	19,762		$	12,150		$	8,390
	(b)	Foreign	(5		)	144			170
	(c)	Subtotal	19,757			12,294			8,560
	(d)	Federal income tax on net capital gains	18,805			(2,930		)	14,135
	(e)	Utilization of capital loss carryforwards	—			—			—
	(f)	Other	—			—			—
	(g)	Federal and foreign income taxes incurred	$	38,562		$	9,364		$	22,695


			(1)			(2)			(3)
									(Col 1-2)
(2)	Deferred tax assets:		12/31/2016			12/31/2015			Change
	(a)	Ordinary	(in thousands)
		(1) Discounting of unpaid losses	$	—		$	—		$	—
		(2) Unearned premium revenue	—			—			—
		(3) Policyholder reserves	38,733			41,974			(3,241		)
		(4) Investments	—			688			(688		)
		(5) Deferred acquisition costs	10,066			8,424			1,642
		(6) Policyholder dividends accrual	—			—			—
		(7) Fixed assets	—			—			—
		(8) Compensation and benefits accrual	58			107			(49		)
		(9) Pension accrual	—			—			—
		(10) Receivables - nonadmitted	106			237			(131		)
		(11) Net operating loss carryforward	—			—			—
		(12) Tax credit carryforward	—			—			—
		(13) Other	175			110			65
		(99) Subtotal	49,138			51,540			(2,402		)
	(b)	Statutory valuation allowance adjustment	—			—			—
	(c)	Nonadmitted	29,640			21,384			8,256
	(d)	Admitted ordinary deferred tax assets (2a99 - 2b - 2c)	19,498			30,156			(10,658		)
	(e)	Capital
		(1) Investments	11,728			8,342			3,386
		(2) Net capital loss carryforward	—			—			—
		(3) Real estate	—			—			—
		(4) Other	—			—			—
		(99) Subtotal	11,728			8,342			3,386
	(f)	Statutory valuation allowance adjustment	—			—			—
	(g)	Nonadmitted	—			—			—
	(h)	Admitted capital deferred tax assets (2e99- 2f - 2g)	11,728			8,342			3,386
	(i)	Admitted deferred tax assets (2d + 2h)	$	31,226		$	38,498		$	(7,272	)

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



			(1)		(2)		(3)
							(Col 1-2)
			12/31/2016		12/31/2015		Change
(3)	Deferred tax liabilities:		(in thousands)
	(a)	Ordinary
		(1) Investments	$	5,398	$	6,714	$	(1,316	)
		(2) Fixed assets	—		—		—
		(3) Deferred and uncollected premium	—		—		—
		(4) Policyholder reserves	3,749		631		3,118
		(5) Other	—		—		—
		(99) Subtotal	9,147		7,345		1,802
	(b)	Capital
		(1) Investments	10,742		17,445		(6,703		)
		(2) Real estate	—		—		—
		(3) Other	—		—		—
		(99) Subtotal	10,742		17,445		(6,703		)
	(c)	Deferred tax liabilities (3a99 + 3b99)	$	19,889	$	24,790	$	(4,901	)

(4)	Net deferred tax assets/liabilities (2i - 3c)		$	11,337	$	13,708	$	(2,371	)

Among the more significant book-to-tax adjustments were the following:



	12/31/2016			Effective Tax Rate		12/31/2015			Effective Tax Rate		12/31/2014			Effective Tax Rate
	(in thousands)					(in thousands)					(in thousands)
Provision computed at statutory rate	$	56,290		35.00	%	$	27,096		35.00	%	$	28,572		35.00	%
Dividends received deduction	(13,417		)	(8.34	)	(13,865		)	(17.91	)	(3,452		)	(4.23	)
Derivative adjustment	282			0.18		(2,737		)	(3.54	)	—			—
Tax credits	(1,732		)	(1.08	)	(1,886		)	(2.44	)	(1,532		)	(1.88	)
Interest maintenance reserve adjustment	—			—		(1,488		)	(1.92	)	(3,737		)	(4.58	)
Other	(111		)	(0.07	)	(1,913		)	(2.46	)	(55		)	(0.06	)
Total statutory income taxes	$	41,312		25.69	%	$	5,207		6.73	%	$	19,796		24.25	%

Federal taxes incurred	$	38,562		23.98	%	$	9,364		12.10	%	$	22,695		27.80	%
Change in net deferred income taxes	2,750			1.71		(4,157		)	(5.37	)	(2,899		)	(3.55	)
Total statutory income taxes	$	41,312		25.69	%	$	5,207		6.73	%	$	19,796		24.25	%

At December 31, 2016, the Company had $0.0 of net operating loss carryforwards, net capital loss carryforwards and tax credit carry forwards; the company had $0.6 million of deferred tax liabilities that are not recognized.

As of December 31, 2016 and 2015, the Company had a balance of $1.7 million and $1.7 million, respectively, in its policyholder surplus account under the provisions of the Internal Revenue Code. This amount could become taxable to the extent that future shareholder dividends are paid from this account.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

7. Capital and Surplus

The Company is required by statutory regulations to meet minimum risk-based capital standards. Risk-based capital is a method of measuring the minimum amount of capital appropriate for an insurance company to support its overall business operations in consideration of its size and risk profile. At December 31, 2016 and 2015, the Company exceeded the minimum risk-based capital.

Ohio insurance law limits the amount of dividends that can be paid to a parent in a holding company structure without prior approval of the regulators to the greater of 10% of statutory surplus or statutory net income as of the preceding December 31 less any dividends paid in the preceding 12 months, but only to the extent of earned surplus as of the preceding December 31. Based on these limitations, the Company is able to pay dividends of up to $115.9 million by the end of 2017 without seeking prior regulatory approval based on net income of $115.9 million at December 31, 2016.

8. Commitments and Contingencies

The Company is named as a defendant in various legal actions arising principally from claims made under insurance policies and contracts. The Company believes the resolution of these actions will not have a material effect on the Company’s financial position or results of operations.

At December 31, 2016, the Company does not have any material lease agreements for office space or equipment.

At December 31, 2016, the Company has future commitments to provide additional capital contributions of $33.1 million to investments in joint ventures organized as limited partnerships or limited liability companies.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

9. Annuity Reserves and Deposit-Type Contract Liabilities

At December 31, 2016, the Company’s general and separate account annuity reserves and deposit-type contract liabilities that are subject to discretionary withdrawal (with adjustment), subject to discretionary withdrawal (without adjustment), and not subject to discretionary withdrawal provisions are summarized as follows:



	General Account			Separate Account With Guarantees		Separate Account Non-guaranteed		Total		Percent
	(In Thousands)
Subject to discretionary withdrawal:
With fair value adjustment	$	(1,972	)	$	1,052,771	$	—	$	1,050,799	15.9	%
At book value less current surrender charge of 5% or more	1,281,228			604,649		—		1,885,877		28.5
At fair value	—			—		736,721		736,721		11.1
Total with adjustment or at market value	$	1,279,256		$	1,657,420	$	736,721	$	3,673,397	55.5
Subject to discretionary withdrawal at book value without adjustment (minimal or no charge or adjustment)	671,372			—		—		671,372		10.1
Not subject to discretionary withdrawal	2,282,140			—		—		2,282,140		34.4
Total annuity reserves and deposit-type contract liabilities (before reinsurance)	$	4,232,768		$	1,657,420	$	736,721	$	6,626,909	100.0	%
Less reinsurance ceded	1,783			—		—		1,783
Net annuity reserves and deposit-type contract liabilities	$	4,230,985		$	1,657,420	$	736,721	$	6,625,126

Interest rate changes may have temporary effects on the sale and profitability of annuity products offered by the Company. Although the rates offered by the Company are adjustable in the long-term, in the short-term they may be subject to contractual and competitive restrictions, which may prevent timely adjustment. The Company’s management constantly monitors interest rates with respect to a spectrum of product durations and sells annuities that permit flexible responses to interest rate changes as part of the Company’s management of interest spreads. However, adverse changes in investment yields on invested assets will affect the earnings on those products with a guaranteed return.

Federal Home Loan Bank

The Company is a member of the FHLB of Cincinnati. Through its membership, the Company has conducted business activity (borrowings) with the FHLB. It is part of the Company’s strategy to utilize these funds to increase profitability. The Company has determined the actual/estimated maximum borrowing capacity as $300.0 million. The Company calculated this amount after a review of its pledgeable assets (both pledged and unpledged) and after applying the respective FHLB borrowing haircuts.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

FHLB Capital Stock – General Account:



	December 31
	2016		2015
	(in thousands)
Membership stock - Class A (not eligible for redemption)	$	8,669	$	—
Membership stock - Class B	—		—
Activity stock	4,577		—
Excess stock	—		—
Aggregate total	$	13.246	$	—
Actual or estimated borrowing capacity as determined by the insurer	$	300,000	$	—

Collateral Pledged to FHLB – General Account:



	2016								2015
	Fair Value		Carrying Value		Aggregate Total Borrowing		Borrowed at Time of Maximum Collateral		Fair Value		Carrying Value		Aggregate Total Borrowing		Borrowed at Time of Maximum Collateral
	(In Thousands)
Total as of reporting date	$	289,494	$	284,812	$	228,834	XXX		$	—	$	—	$	—	XXX
Maximum during reporting date	$	289,494	$	284,812	XXX		$	228,834	$	—	$	—	XXX		$	—

Borrowing from FHLB - General Account:



	2016						2015
	At Reporting Date		Reserves Established at Reporting Date		Maximum Amount During Period		At Reporting Date		Reserves Established at Reporting Date
	(In Thousands)
Funding agreements	$	228,834	$	219,619	$	228,834	$	—	$	—
Debt	—		XXX		—		—		XXX
Aggregate total	$	228,834	$	219,619	$	228,834	$	—	$	—

The Company does not have any prepayment obligations under these FHLB borrowing arrangements.

10. Separate Accounts

The Company’s guaranteed separate account consists of non-indexed, guaranteed rate options that include market value adjustments and systematic transfer options. The guaranteed rate options are sold in fixed annuity products and as investment options within the Company’s variable annuity products. The guaranteed rate options and systematic transfer options carry a minimum interest guarantee based on the guarantee period selected by the policyholder. The fixed annuity products offered provide a death benefit equal to the account value, with one product offering an optional death benefit ranging from 25% to 40% of the gain in the contract. The fixed investment options offered within the Company’s variable annuity products provide the death benefits listed below for variable annuities.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company’s nonguaranteed separate accounts consist of subaccounts available through variable annuities and variable life insurance. The net investment experience of each subaccount is credited directly to the policyholder and can be positive or negative. The variable annuities include guaranteed minimum death benefits that vary by product and include optional death benefits available on some products. The death benefits offered by the Company include the following: account value, return of premium paid, a death benefit that is adjusted after seven years to the current account value, a death benefit that is adjusted annually to the current account value, and an additional death benefit ranging from 25% to 40% of the gain in the contract. Some variable annuities also provide living benefits, which include guaranteed accumulation amounts on a date certain, guaranteed minimum withdrawal amounts and guaranteed minimum lifetime withdrawal amounts. The death benefit under the variable life insurance policies may vary with the investment performance of the underlying investments in the separate accounts.

As of December 31, 2016, the Company’s general account had a maximum guarantee for separate account liabilities of $17.9 million. To compensate the general account for the risk taken, the separate accounts paid risk charges of $2.4 million, $2.2 million, $1.7 million, $1.2 million and $0.9 million in 2016, 2015, 2014, 2013 and 2012, respectively. The Company’s general account paid $0.2 million, $0.2 million, $0.2 million, $0.1 million and $0.9 million towards separate account guarantees in 2016, 2015, 2014, 2013, and 2012, respectively.

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Information regarding the separate accounts of the Company as of and for the year ended December 31, 2016, is as follows:



	Separate Accounts With Guarantees
	Nonindexed Guaranteed Less Than/ Equal to 4%		Nonindexed Guaranteed More Than 4%		Nonguaranteed Separate Accounts		Total
	(In Thousands)

Premiums, considerations or deposits	$	67,768	$	15	$	74,906	$	142,689

Reserves for separate accounts with assets at:
Fair value	$	—	$	—	$	743,347	$	743,347
Amortized cost	1,489,896		167,524		—		1,657,420
Total reserves	$	1,489,896	$	167,524	$	743,347	$	2,400,767

Reserves for separate accounts by withdrawal characteristics:
Subject to discretionary withdrawal:
With fair value adjustment	$	885,441	$	167,331	$	—	$	1,052,772
At book value without fair value adjustment and with current surrender charge of 5% or more	604,455		193		—		604,648
At fair value	—		—		743,347		743,347
At book value without fair value adjustment and with current surrender charge of less than 5%	—		—		—		—
Subtotal	1,489,896		167,524		743,347		2,400,767
Not subject to discretionary withdrawal	—		—		—		—
Total separate accounts reserves	$	1,489,896	$	167,524	$	743,347	$	2,400,767

Integrity Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

A reconciliation of the amounts transferred to and from the separate accounts for the year ended December 31, 2016, is presented below:



	2016
	(In Thousands)
Transfers as reported in the Summary of Operations of the Separate Accounts Statement:
Transfers to separate accounts	$	142,689
Transfers from separate accounts	291,841
Net transfers to (from) separate accounts	(149,152		)

Reconciling adjustments:
Policy deductions and other expenses	766
Other changes in surplus in Separate Account Statement	(165		)
Other account adjustments	(567		)
Transfers as reported in the Summary of Operations of the Company	$	(149,118	)

Financial Statement Schedules (Statutory-Basis)



Integrity Life Insurance Company

Summary of Investments – Other Than Investments in Related Parties
(Statutory-Basis)

December 31, 2016
(In Thousands)

Schedule I
					Amount at Which
			Market		Shown in the
Type of Investment	Cost (1)		Value		Balance Sheet

Debt securities
Bonds:
United States government and
government agencies and authorities	$	82,608	$	82,628	$	82,608
States, municipalities and political
subdivisions	415,965		427,370		415,965
Foreign governments	24,347		24,108		24,347
All other corporate bonds	3,633,879		3,757,423		3,633,879
Preferred stocks	19,383		18,907		19,383
Total fixed maturities	4,176,182		4,310,436		4,176,182

Equity securities
Common stocks:
Industrial, miscellaneous and all other	168,826		186,123		186,123

Mortgage loans on real estate	262,348				262,348
Policy loans	110,490				110,490
Other long-term investments	109,617				109,617
Cash, cash equivalents and short-term
investments	138,488				138,488
Total investments	$	4,965,951			$	4,983,248

(1) Original cost of equity securities and, as to fixed maturities, original cost reduced by repayments and adjusted for amortization of premiums or accrual discounts.



Integrity Life Insurance Company

Supplementary Insurance Information (Statutory-Basis)

(In Thousands)

Schedule III
											Benefits,
	Future										Claims
	Policy				Policy and				Net		Losses and			Other
	Benefits and		Unearned		Contract		Premium		Investment		Settlement			Operating		Premiums
	Expenses		Premiums		Liabilities		Revenue		Income*		Expenses			Expenses*		Written

Year ended December 31, 2016
Individual life	$	269,230	$	—	$	129	$	10,620	$	20,387	$	21,702		$	269
Individual health	—		—		—		—		—		—			—		$	—
Group life and health	8,018		—		—		—		595		(2,243		)	—		—
Annuity	3,661,527		—		94		1,201,498		173,609		1,304,808			26,586
Corporate and other	—		—		—		—		37,735		—			12,001
	$	3,938,775	$	—	$	223	$	1,212,118	$	232,326	$	1,324,267		$	38,856

Year ended December 31, 2015
Individual life	$	261,100	$	—	$	141	$	10,132	$	20,675	$	13,174		$	324
Individual health	—		—		—		—		—		—			—		$	—
Group life and health	9,737		—		—		—		736		(864		)	—		—
Annuity	2,867,412		—		93		1,100,837		134,549		1,214,663			22,105
Corporate and other	—		—		—		—		42,696		—			10,683
	$	3,138,249	$	—	$	234	$	1,110,969	$	198,656	$	1,226,973		$	33,112

Year ended December 31, 2014
Individual life	$	269,283	$	—	$	151	$	7,409	$	20,876	$	19,145		$	522
Individual health	—		—		—		—		—		—			—		$	—
Group life and health	11,864		—		—		—		872		(433		)	—		—
Annuity	2,115,224		—		93		407,011		122,089		532,980			14,891
Corporate and other	—		—		—		—		12,384		—			12,911
	$	2,396,371	$	—	$	244	$	414,420	$	156,221	$	551,692		$	28,324


*Allocations of net investment income and other operating expenses are based on a number of assumptions and estimates, and the results would change if different methods were applied.



Integrity Life Insurance Company

Reinsurance (Statutory-Basis)

(In Thousands)

Schedule IV
									Percentage
			Ceded to		Assumed				of Amount
	Gross		Other		From Other		Net		Assumed
	Amount		Companies		Companies		Amount		to Net

Year ended December 31, 2016
Life insurance in force	$	366,827	$	182,249	$	21,754	$	206,332	11	%
Premiums:
Individual life	$	10,836	$	303	$	87	$	10,620	1	%
Individual health	—		—		—		—		—
Group life and health	—		—		—		—		—
Annuity	1,202,965		1,467		—		1,201,498		—	%
	$	1,213,801	$	1,770	$	87	$	1,212,118	—	%

Year ended December 31, 2015
Life insurance in force	$	374,506	$	188,366	$	23,235	$	209,375	11	%
Premiums:
Individual life	$	10,327	$	291	$	96	$	10,132	1	%
Individual health	—		—		—		—		—
Group life and health	—		—		—		—		—
Annuity	1,102,795		1,958		—		1,100,837		—	%
	$	1,113,122	$	2,249	$	96	$	1,110,969	—	%

Year ended December 31, 2014
Life insurance in force	$	403,889	$	202,960	$	24,070	$	224,999	11	%
Premiums:
Individual life	$	7,600	$	297	$	106	$	7,409	1	%
Individual health	—		—		—		—		—
Group life and health	—		—		—		—		—
Annuity	408,816		1,805		—		407,011		—	%
	$	416,416	$	2,102	$	106	$	414,420	—	%

STATUTORY-BASIS FINANCIAL STATEMENTS AND SCHEDULES

The Western and Southern Life Insurance Company

Years Ended December 31, 2016, 2015 and 2014

With Report of Independent Auditors

The Western and Southern Life Insurance Company

Statutory-Basis Financial Statements and Schedules

Years Ended December 31, 2016, 2015 and 2014

Contents



Report of Independent Auditors	1

Financial Statements

Balance Sheets (Statutory-Basis)	3
Statements of Operations (Statutory-Basis)	4
Statements of Changes in Capital and Surplus (Statutory-Basis)	5
Statements of Cash Flow (Statutory-Basis)	6
Notes to Financial Statements (Statutory-Basis)	7

Financial Statement Schedules (Statutory-Basis)

Schedule I - Summary of Investments - Other Than Investments in Related Parties (Statutory-Basis)	58
Schedule III - Supplementary Insurance Information (Statutory-Basis)	59
Schedule IV - Reinsurance (Statutory-Basis)	60

Report of Independent Auditors

The Board of Directors

The Western and Southern Life Insurance Company

We have audited the accompanying statutory-basis financial statements of The Western and Southern Life Insurance Company, which comprise the balance sheets as of December 31, 2016 and 2015, and the related statements of operations, changes in capital and surplus, and cash flow for each of the three years in the period ended December 31, 2016, and the related notes to the financial statements.

Management’s Responsibility for the Financial Statements

Auditor’s Responsibility

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinions.

Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles

Adverse Opinion on U.S. Generally Accepted Accounting Principles

In our opinion, because of the effects of the matter described in the preceding paragraph, the statutory-basis financial statements referred to above do not present fairly, in conformity with U.S. generally accepted accounting principles, the financial position of The Western and Southern Life Insurance Company at December 31, 2016 and 2015, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2016.

Opinion on Statutory-Basis of Accounting

However, in our opinion, the statutory-basis financial statements referred to above present fairly, in all material respects, the financial position of The Western and Southern Life Insurance Company at December 31, 2016 and 2015, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2016, in conformity with accounting practices prescribed or permitted by the Ohio Department of Insurance.

Supplementary Information

/s/ Ernst & Young LLP

Cincinnati, Ohio

April 28, 2017

The Western and Southern Life Insurance Company

Balance Sheets (Statutory-Basis)



	December 31
	2016			2015
Admitted assets	(In Thousands)
Cash and invested assets:
Debt securities	$	3,432,246		$	3,567,134
Preferred and common stocks	1,325,783			1,250,325
Investments in common stocks of subsidiaries	2,191,212			1,946,730
Mortgage loans	57,655			41,006
Policy loans	167,005			168,582
Real estate:
Properties held for the production of income	3,111			3,153
Properties occupied by the Company	25,993			26,854
Cash, cash equivalents and short-term investments	148,695			151,050
Receivable for securities	3,767			13,687
Derivatives	—			153
Securities lending reinvested collateral assets	17,592			55,101
Other invested assets	1,499,024			1,293,152
Total cash and invested assets	8,872,083			8,516,927

Investment income due and accrued	44,669			46,221
Premiums deferred and uncollected	52,288			51,947
Net deferred income tax asset	96,462			139,348
Receivables from parent, subsidiaries and affiliates	24,928			24,726
Other admitted assets	23,135			30,416
Separate account assets	994,109			982,729
Total admitted assets	$	10,107,674		$	9,792,314

Liabilities and capital and surplus
Liabilities:
Policy and contract liabilities:
Life and annuity reserves	$	2,654,244		$	2,619,096
Accident and health reserves	253,076			244,891
Liability for deposit-type contracts	230,632			237,126
Policy and contract claims	48,261			62,230
Dividends payable to policyholders	42,425			41,829
Premiums received in advance	3,986			4,939
Total policy and contract liabilities	3,232,624			3,210,111

General expense due and accrued	26,640			27,053
Current federal income taxes payable	8,064			27,218
Transfer to (from) separate accounts due and accrued, net	(312		)	(24		)
Asset valuation reserve	341,387			275,486
Interest maintenance reserve	51,598			46,166
Other liabilities	234,720			227,480
Pension liability	100,825			115,879
Liability for postretirement benefits other than pensions	169,500			183,347
Derivatives	—			1,174
Payable for securities lending	132,988			147,360
Separate account liabilities	994,109			982,729
Total liabilities	5,292,143			5,243,979

Capital and surplus:
Common stock, $1 par value, authorized 1,000 shares, issued and outstanding 1,000 shares	1,000			1,000
Paid-in surplus	55,003			55,003
Accumulated surplus	4,759,528			4,492,332
Total capital and surplus	4,815,531			4,548,335
Total liabilities and capital and surplus	$	10,107,674		$	9,792,314

See accompanying notes.

The Western and Southern Life Insurance Company

Statement of Operations (Statutory-Basis)



	Year Ended December 31
	2016			2015			2014
	(In Thousands)
Premiums and other revenues:
Premiums and annuity considerations	$	253,742		$	256,197		$	263,212
Net investment income	322,165			545,324			685,561
Considerations for supplementary contracts with life contingencies	24			—			88
Amortization of the interest maintenance reserve	2,911			2,045			2,819
Commissions and expenses on reinsurance ceded	888			855			228
Other revenues	2,368			1,307			755
Total premiums and other revenues	582,098			805,728			952,663

Benefits paid or provided:
Death benefits	139,560			179,472			152,473
Annuity benefits	119,814			108,904			95,125
Disability and accident and health benefits	16,045			16,608			19,007
Surrender benefits	71,106			76,160			81,811
Payments on supplementary contracts with life contingencies	499			534			578
Other benefits	3,464			393			6,846
Increase in policy reserves and other policyholders’ funds	49,042			17,939			16,253
Total benefits paid or provided	399,530			400,010			372,093

Insurance expenses and other deductions:
Commissions	27,606			25,515			27,457
Commissions and expenses on reinsurance assumed	1,288			(3,909		)	1,590
General expenses	138,995			140,417			134,210
Net transfers to (from) separate account	(69,680		)	(57,160		)	(50,284		)
Reserve adjustments on reinsurance assumed	(72,342		)	(82,611		)	(75,453		)
Other deductions	42,084			44,801			52,604
Total insurance expenses and other deductions	67,951			67,053			90,124

Gain (loss) from operations before dividends to policyholders, federal income tax expense, and net realized capital gains (losses)	114,617			338,665			490,446

Dividends to policyholders	57,514			57,752			57,433
Gain (loss) from operations before federal income tax expense and net realized capital gains (losses)	57,103			280,913			433,013
Federal income tax expense (benefit), excluding tax on capital gains	5,193			28,820			35,578
Gain (loss) from operations before net realized capital gains (losses)	51,910			252,093			397,435
Net realized capital gains (losses) (excluding gains (losses) transferred to IMR and capital gains tax)	1,688			15,961			122,027
Net income (loss)	$	53,598		$	268,054		$	519,462

See accompanying notes.

The Western and Southern Life Insurance Company

Statements of Changes in Capital and Surplus (Statutory-Basis)



	Common Stock		Paid-In Surplus		Accumulated Surplus			Total Capital and Surplus
	(In Thousands)

Balance, January 1, 2014	$	1,000	$	55,003	$	4,155,008		$	4,211,011
Net income (loss)	—		—		519,462			519,462
Change in net deferred income tax	—		—		4,905			4,905
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of ($40,435))	—		—		(212,165		)	(212,165		)
Net change in nonadmitted assets and related items	—		—		13,305			13,305
Change in asset valuation reserve	—		—		(33,397		)	(33,397		)
Dividends to stockholder	—		—		(100,000		)	(100,000		)
Change in unrecognized post retirement benefit obligation	—		—		(108,911		)	(108,911		)
Balance, December 31, 2014	1,000		55,003		4,238,207			4,294,210
Net income (loss)	—		—		268,054			268,054
Change in net deferred income tax	—		—		50,246			50,246
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of ($61,825))	—		—		(149,736		)	(149,736		)
Change in reserve on account of change in valuation basis, (increase) or decrease	—		—		(552		)	(552		)
Net change in nonadmitted assets and related items	—		—		(1,367		)	(1,367		)
Change in asset valuation reserve	—		—		69,912			69,912
Dividends to stockholder	—		—		(40,000		)	(40,000		)
Change in unrecognized post retirement benefit obligation	—		—		65,117			65,117
Correction of critical illness ceded reserve	—		—		(7,549		)	(7,549		)
Balance, December 31, 2015	1,000		55,003		4,492,332			4,548,335
Net income (loss)	—		—		53,598			53,598
Change in net deferred income tax	—		—		17,794			17,794
Net change in unrealized gains (losses) on investments (net of deferred tax expense (benefit) of $48,990)	—		—		271,374			271,374
Net change in nonadmitted assets and related items	—		—		(26,671		)	(26,671		)
Change in asset valuation reserve	—		—		(65,901		)	(65,901		)
Change in unrecognized post retirement benefit obligation	—		—		21,709			21,709
Correction of traditional life reserves	—		—		(4,707		)	(4,707		)
Balance, December 31, 2016	$	1,000	$	55,003	$	4,759,528		$	4,815,531

See accompanying notes.

The Western and Southern Life Insurance Company

Statements of Cash Flow (Statutory-Basis)



	Year Ended December 31
	2016			2015			2014
	(In Thousands)
Operating activities
Premiums collected net of reinsurance	$	253,220		$	257,767		$	264,930
Net investment income received	289,537			399,831			428,422
Benefits paid	(376,867		)	(412,304		)	(376,189		)
Net transfers from (to) separate accounts	69,392			57,158			51,156
Commissions and expense paid	(96,818		)	(68,181		)	(84,281		)
Dividends paid to policyholders	(56,917		)	(57,224		)	(57,551		)
Federal income taxes recovered (paid)	(42,867		)	(47,844		)	(90,217		)
Other, net	3,257			2,163			983
Net cash from (for) operations	41,937			131,366			137,253

Investing activities
Proceeds from investments sold, matured or repaid:
Debt securities	825,252			798,604			724,949
Preferred and common stocks	546,227			781,840			1,065,984
Mortgage loans	920			11,565			967
Real estate	473			745			—
Other invested assets	153,463			140,199			137,028
Net gains (losses) on cash, cash equivalents and short-term investments	45			(11		)	(25		)
Miscellaneous proceeds	47,582			295,374			80,090
Net proceeds from investments sold, matured or repaid	1,573,962			2,028,316			2,008,993

Cost of investments acquired:
Debt securities	(690,324		)	(829,108		)	(722,393		)
Preferred and common stocks	(544,379		)	(590,543		)	(1,022,947		)
Mortgage loans	(17,569		)	(35,716		)	—
Real estate	(1,139		)	(1,398		)	(1,989		)
Other invested assets	(290,787		)	(306,777		)	(185,211		)
Miscellaneous applications	(968		)	(78,511		)	(291,956		)
Total cost of investments acquired	(1,545,166		)	(1,842,053		)	(2,224,496		)

Net change in policy and other loans	1,577			3,157			2,549
Net cash from (for) investments	30,373			189,420			(212,954		)

Financing activities
Net deposits on deposit-type contract funds and other insurance liabilities	(6,494		)	(3,238		)	(3,233		)
Dividends paid to stockholder	—			(40,000		)	(100,000		)
Other cash provided (applied)	(68,171		)	(230,284		)	57,706
Net cash from (for) financing and miscellaneous sources	(74,665		)	(273,522		)	(45,527		)

Net change in cash, cash equivalents and short-term investments	(2,355		)	47,264			(121,228		)
Cash, cash equivalents and short-term investments:
Beginning of year	151,050			103,786			225,014
End of year	$	148,695		$	151,050		$	103,786

Cash flow information for noncash transactions
Dividend from Integrity Life Insurance Company in the form of debt securities	$	—		$	—		$	24,983
Dividend from Western-Southern Life Assurance Company in the form of debt securities	$	—		$	99,102		$	184,074

See accompanying notes.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

1. Nature of Operations and Significant Accounting Policies

The Western and Southern Life Insurance Company (the Company) is a stock life insurance company that offers primarily individual traditional and whole life insurance policies. The Company is licensed in 43 states and the District of Columbia. For the year ended December 31, 2016, approximately 68.0% of the gross premiums and annuity considerations for the Company were derived from California, Illinois, Indiana, North Carolina, Ohio, and Pennsylvania. The Company is domiciled in Ohio. The Company is an indirect, wholly-owned subsidiary of Western & Southern Mutual Holding Company (Mutual Holding), a mutual holding company formed pursuant to the insurance regulations of the State of Ohio. Ohio law requires Mutual Holding to hold at least a majority voting interest in the Company. Currently, Mutual Holding indirectly holds 100% of the voting interest through Western & Southern Financial Group, Inc. (WSFG), its wholly-owned subsidiary. The Company wholly owns the following insurance entities: Western-Southern Life Assurance Company (WSLAC), Columbus Life Insurance Company (Columbus Life) and Integrity Life Insurance Company (Integrity). Integrity Life Insurance Company wholly owns National Integrity Life Insurance Company (National).

Included within the financial statements, the Company has established and operates a closed block for the benefit of holders of most participating individual ordinary and weekly industrial life insurance policies issued on or before the formation of Mutual Holding in 2000 (the Closed Block). Assets have been allocated to the Closed Block in an amount that is expected to produce cash flows which, together with anticipated revenue from the policies included in the Closed Block, are reasonably expected to be sufficient to support the Closed Block policies, the continuation of policyholder dividends, in aggregate, in accordance with the 2000 dividend scale if the experience underlying such scale continues, and for appropriate adjustments in the dividend scale if the experience changes. Invested assets allocated to the Closed Block consist primarily of high-quality debt securities, mortgage loans, policy loans, short-term investments, other invested assets, and securities lending reinvested collateral. Invested assets of $2,073.7 million and $2,128.5 million were allocated to the Closed Block as of December 31, 2016 and 2015, respectively. The assets allocated to the Closed Block inure solely for the benefit of the Closed Block policyholders and will not revert to the benefit of the Company. The purpose of the Closed Block is to protect the policy dividend expectations of these policies after the formation of Mutual Holding. The Closed Block will continue in effect until the last policy in the Closed Block is no longer in force.

Use of Estimates

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Basis of Presentation

Investments

Investments in debt securities and mandatory redeemable preferred stocks are reported at amortized cost or fair value based on the NAIC’s rating; for GAAP, such fixed maturity investments are designated at purchase as held-to-maturity, trading or available-for-sale. Held-to-maturity fixed investments are reported at amortized cost, and the remaining fixed maturity investments are reported at fair value with unrealized holding gains and losses reported in the statement of operations for those designated as trading and as a separate component of other comprehensive income (loss) for those designated as available-for-sale.


•	The extent and length of time the fair value has been below the book/adjusted carrying value;


•	The reasons for the decline in value;


•	Specific credit issues related to the issuer and current economic conditions, including the current and future impact of any specific events;

•

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014


•	For all equity securities and other debt securities with credit-related declines in fair value, the Company’s intent and ability to hold the security long enough for it to recover its value to book/adjusted carrying value; and


•	For all other debt securities with interest-related declines in fair value, the Company’s intent to sell the security before recovery of its book/adjusted carrying value.

Investments in real estate are reported net of required obligations rather than on a gross basis as for GAAP. Real estate owned and occupied by the Company is included in investments rather than reported as an operating asset as under GAAP, and investment income and operating expenses include rent for the Company’s occupancy of those properties.

Under a formula prescribed by the NAIC, the Company defers the portion of realized capital gains and losses on sales of fixed income investments, principally debt securities and mortgage loans, attributable to changes in the general level of interest rates and amortizes those deferrals over the remaining period to maturity based on groupings of individual security sold in five-year bands. The net deferral is reported as the interest maintenance reserve (IMR) in the accompanying balance sheets. Realized capital gains and losses are reported in income net of federal income tax and transfers to the IMR. Under GAAP, realized capital gains and losses are reported in the statement of operations on a pretax basis in the period that the assets giving rise to the gains or losses are sold.

Subsidiaries

The accounts and operations of the Company’s subsidiaries are not consolidated with the accounts and operations of the Company as would be required under GAAP.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Policy Acquisition Costs

Nonadmitted Assets

Certain assets designated as “nonadmitted” (principally investments in unaudited subsidiaries and controlled and affiliated entities, electronic data processing equipment and software, and furniture and other equipment), and other assets not specifically identified as admitted assets within the NAIC’s Accounting Practices and Procedures Manual, are excluded from the accompanying balance sheets and are charged directly to accumulated surplus. Under GAAP, such assets are included in the balance sheets.

Premiums and Benefits

Benefit Reserves

Reinsurance

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Employee Benefits

For purposes of calculating the Company’s pension and postretirement benefit obligations, vested participants, non-vested participants and current retirees are included in the valuation. The prepaid pension asset resulting from the excess of the fair value of plan assets over the benefit obligation, which is nonadmitted under statutory accounting rules, is included in other comprehensive income under GAAP.

Deferred Income Taxes

Policyholder Dividends

Policyholder dividends are recognized when declared rather than over the term of the related policies.

Statements of Cash Flow

Other significant statutory accounting practices follow.

Investments

Debt securities, common stocks, preferred stocks, and short-term investments are stated at values prescribed by the NAIC, as follows:

Debt securities not backed by other loans are principally stated at amortized cost using the interest method.

Single-class and multiclass mortgage-backed/asset-backed securities are valued at amortized cost using the interest method including anticipated prepayments. Prepayment assumptions are obtained from Bloomberg and broker-dealer prepayment models or derived from empirical data and are based on the current interest rate and economic environment. The retrospective adjustment method is used to value

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

all such securities except securities that are deemed to be other-than-temporarily impaired and securities that are principal-only or interest-only, which are valued using the prospective method.

Unaffiliated common stocks are reported at fair value utilizing publicly quoted prices from third-party pricing services and the related unrealized capital gains and losses are reported in capital and surplus along with any adjustment for federal income taxes.

There are no restrictions on unaffiliated common or preferred stocks.

Short-term investments include investments with remaining maturities of one year or less at the date of acquisition and are principally stated at amortized cost, which approximates fair value.

Cash equivalents are short-term highly liquid investments with original maturities of three months or less and are principally stated at amortized cost, which approximates fair value.

The Company’s insurance subsidiaries are reported at their underlying statutory equity. The Company’s noninsurance subsidiaries are reported based on underlying audited GAAP equity. The net change in the subsidiaries’ equity is included in capital and surplus.

Policy loans are reported at unpaid principal balances.

Real estate occupied by the Company and real estate held for the production of income are reported at depreciated cost net of related obligations. Real estate that the Company has the intent to sell is reported at

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

the lower of depreciated cost or fair value, net of related obligations. Depreciation is computed by the straight-line method over the estimated useful life of the properties.

Property acquired in the satisfaction of debt is recorded at the lower of cost less accumulated depreciation or fair market value.

Realized capital gains and losses are determined using the specific identification method.

Premiums

Policy Reserves

Life, annuity and accident and health disability benefit reserves are developed by actuarial methods and are determined based on published tables using statutorily specified interest rates and valuation methods that will provide, in the aggregate, reserves that are greater than or equal to the minimum or guaranteed policy cash values or the amounts required by the Department. The Company waives deduction of deferred fractional premiums on the death of life and annuity policy insureds and does return any premium beyond the date of death. Surrender values on policies do not exceed the corresponding benefit reserves. Policies issued subject to multiple table substandard extra premiums are valued on the standard reserve basis which recognizes the nonlevel incidence of the excess mortality costs. Additional reserves are established when the results of cash flow testing under various interest rate scenarios indicate the need for such reserves, or the net premiums exceed the gross premiums on any insurance in-force.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Policy reserves for life insurance and supplemental benefits are computed on the Commissioner’s Reserve Valuation Method. The following mortality tables and interest rates are used:



	Percentage of Reserves
	2016		2015
Life insurance:
1941 Commissioners Standard Ordinary, 2-1/4% - 3-1/2%	8.7	%	9.2	%
1941 Standard Industrial, 2-1/2% - 3-1/2%	11.1		11.4
1958 Commissioners Standard Ordinary, 2-1/2% - 6%	21.5		22.4
1980 Commissioners Standard Ordinary, 4% - 6%	39.5		39.5
2001 Commissioners Standard Ordinary, 3-1/2% - 4-1/2%	13.0		11.1
Other, 2-1/2% - 6%	4.7		4.8
	98.5	%	98.4	%
Other benefits (including annuities):
Various, 2-1/2% - 8-1/4%	1.5		1.6
	100.0	%	100.0	%

As of December 31, 2016 and 2015, reserves of $25.3 million and $21.1 million, respectively, were recorded on in-force amounts of $1,392.4 million and $1,163.2 million, respectively, for which gross premiums are less than the net premiums according to the standard of valuation required by the Department. The Company anticipates investment income as a factor in the premium deficiency calculation for all accident and health contracts.

Tabular interest, tabular less actual reserves released, and tabular cost have been determined by formula. Tabular interest on funds not involving life contingencies is calculated as one-hundredth of the product of such valuation rate of interest times the mean of the amount of funds subject to such valuation rate of interest held at the beginning and end of the year of valuation.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Policyholders’ Dividends

The amount of policyholders’ dividends to be paid (including those on policies included in the Closed Block) is determined annually by the Company’s Board of Directors. The aggregate amount of policyholders’ dividends is related to actual interest, mortality, morbidity and expense experience for the year and judgment as to the appropriate level of statutory surplus to be retained by the Company.

Policy and Contract Claims

Policy and contract claims in process of settlement represent the estimated ultimate net cost of all reported and unreported claims incurred through December 31, 2016 and 2015. The reserves for unpaid claims are estimated using individual case-basis valuations and statistical analysis. These estimates are subject to the effects of trends in claim severity and frequency. Although considerable variability is inherent in such estimates, management believes that the reserves for claims are adequate. The estimates are continually reviewed and adjusted as necessary as experience develops or new information becomes known; such adjustments are included in current operations.

Reinsurance

Reinsurance premiums and benefits paid or provided are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts.

Securities Lending

At December 31, 2016, the Company had loaned various debt securities, preferred stocks and common stocks as part of a securities lending program administered by Deutsche Bank, of which the fair value was $129.9 million and $76.6 million in the general and separate account, respectively. At December 31, 2015, the Company had loaned various debt securities, preferred stocks and common stocks as part of a securities lending program administered by Deutsche Bank, of which the fair value was $143.9 million and $90.9 million in the general and separate account, respectively. The Company maintains effective control over all loaned securities and, therefore, continues to report such securities as invested assets in the balance sheets. The general account collateral is managed by both an affiliated and unaffiliated agent. The separate account is managed by an unaffiliated agent.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company reports all collateral on the balance sheet with an offsetting liability recognized for the obligation to return the collateral. Collateral for the securities lending program is either managed by an affiliated agent of the Company or is managed by Deutsche Bank, an unaffiliated agent. Collateral managed by an affiliated agent, which approximated $115.1 million and $91.8 million at December 31, 2016 and 2015, respectively, is invested primarily in investment-grade debt securities and cash equivalents and is included in the applicable amount on the balance sheets because the funds are available for the general use of the Company. At December 31, 2016 and 2015, collateral managed by an unaffiliated agent, which approximated $17.6 million and $55.1 million respectively, was invested in cash equivalents and was included in securities lending reinvested collateral assets on the balance sheet.

At December 31, 2016, the collateral for all securities on loan could be requested to be returned on demand by the borrower. At December 31, 2016 and 2015, the fair value of the total collateral in the general account was $132.7 million and $146.9 million, respectively. The fair value of the total collateral in the separate account was $78.3 million and $92.8 million at December 31, 2016 and 2015, respectively, which was all managed by an unaffiliated agent.

The aggregate collateral broken out by maturity date is as follows at December 31, 2016:



	Amortized Cost		Fair Value
	(In Thousands)
Open	$	—	$	—
30 days or less	124,870		124,870
31 to 60 days	12,734		12,732
61 to 90 days	10,202		10,204
91 to 120 days	500		500
121 to 180 days	20,976		20,961
181 to 365 days	18,389		18,390
1 to 2 years	600		600
2 to 3 years	—		—
Greater than 3 years	22,686		22,686
Total collateral	$	210,957	$	210,943

At December 31, 2016, all of the collateral held for the securities lending program was invested in tradable securities that could be sold and used to pay for the $133.0 million and $78.3 million in the general and separate accounts, respectively, in collateral calls that could come due under a worst-case scenario where all collateral was called simultaneously.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Separate Account

The Company maintains a separate account, which holds all of the Company’s pension plan assets. The assets of the separate account consist primarily of marketable securities, which are recorded at fair value. These assets are considered legally insulated from the general accounts.

There are no separate account liabilities that are guaranteed by the general account. (See Note 10 for further discussion on the general account’s responsibility as it relates to the obligations of the Company’s pension plan).

The activity within the separate account, including realized and unrealized gains or losses on its investments, has no effect on net income or capital and surplus of the Company. The Company’s statements of operations reflect annuity payments to pension plan participants and other expenses of the separate account, as well as the reimbursement of such expenses from the separate account.

Federal Income Taxes

The Company files a consolidated income tax return with its eligible subsidiaries and affiliates. The provision for federal income taxes is allocated to the individual companies using a separate return method based upon a written tax-sharing agreement. Under the agreement, the benefits from losses of subsidiaries and affiliates are retained by the subsidiary and affiliated companies. The Company pays all federal income taxes due for all members of the group. The Company then immediately charges or reimburses, as the case may be, the members of the group an amount consistent with the method described in the tax-sharing agreement.

The Company includes interest and penalties in the federal income tax line on the statements of operations.

Postretirement Benefits Other Than Pensions

The Company accounts for its postretirement benefits other than pensions on an accrual basis. The postretirement benefit obligation for current retirees and fully eligible employees is measured by estimating the actuarial present value of benefits expected to be received at retirement using explicit assumptions.

Actuarial and investment gains and losses arising from differences between assumptions and actual experience upon subsequent remeasurement of the obligation may be recognized as a component of the net periodic benefit cost in the current period or amortized. The net gain or loss will be included as a component of net postretirement benefit cost for a year if, as of the beginning of the year, the unrecognized net gain or loss exceeds 10% of the postretirement benefit obligation. That gain or loss, if not recognized immediately, will be amortized over the average life expectancy of the employer’s fully vested and retiree group.

Accounting Changes

During 2016, the Company determined that its reserves related to certain classes of traditional life policies were understated due to an error in the calculation of premium mode factors. This resulted in a change of the aggregate reserve for traditional contracts that is required to be recorded directly to surplus rather than as a part of the reserve change recognized in the statements of operations. As a result, effective January 1, 2016, the Company has recorded a $4.7 million decrease directly to surplus through the correction of traditional life reserves line on the statements of changes in capital and surplus.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Effective January 1, 2015, the Company updated its valuation methodology on certain critical illness and accident and health reserves. This resulted in a change of statutory reserve valuation that is required to be recorded directly to surplus rather than as a part of the reserve change recognized in the statements of operations. The Company recorded a $0.6 million decrease directly to surplus as a result of the change in valuation bases through the change in reserve on account of change in valuation basis line on the statements of changes in capital and surplus.

During 2015, the Company determined that its critical illness reserves were understated due to an error in the calculation of ceded reserves. This resulted in a change of the statutory aggregate reserve for accident and health contracts that is required to be recorded directly to surplus rather than as a part of the reserve change recognized in the statements of operations. As a result, effective January 1, 2015, the Company recorded a $7.5 million decrease directly to surplus as a result of the change in ceded reserves through the correction of critical illness ceded reserve line on the statements of changes in capital and surplus.

Reclassifications

Certain prior year amounts in the Company’s statutory-basis financial statements have been reclassified to conform to the current year financial statement presentation.

Subsequent Events

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

2. Investments

The book/adjusted carrying value and fair value of the Company’s investments in debt securities are summarized as follows:



	Book/ Adjusted Carrying Value		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2016:
U.S. Treasury securities and obligations of U.S. government corporation and agencies	$	35,039	$	1,527	$	(12	)	$	36,554
Debt securities issued by states of the U.S. and political subdivisions of the states	36,859		1,904		(133		)	38,630
Corporate securities	2,655,818		320,135		(16,852		)	2,959,101
Commercial mortgage-backed securities	67,731		1,693		(73		)	69,351
Residential mortgage-backed securities	325,418		14,697		(2,763		)	337,352
Asset-backed securities	311,381		9,963		(1,490		)	319,854
Total	$	3,432,246	$	349,919	$	(21,323	)	$	3,760,842

At December 31, 2015:
U.S. Treasury securities and obligations of U.S. government corporation and agencies	$	83,495	$	2,022	$	(217	)	$	85,300
Debt securities issued by states of the U.S. and political subdivisions of the states	35,963		2,025		(96		)	37,892
Corporate securities	2,624,255		276,677		(78,455		)	2,822,477
Commercial mortgage-backed securities	73,839		2,030		(360		)	75,509
Residential mortgage-backed securities	417,562		19,207		(2,066		)	434,703
Asset-backed securities	332,020		6,717		(2,961		)	335,776
Total	$	3,567,134	$	308,678	$	(84,155	)	$	3,791,657

At December 31, 2016 and 2015, the Company held unrated or below-investment-grade corporate debt securities with a book/adjusted carrying value of $254.2 million and $248.5 million, respectively, and an aggregate fair value of $261.3 million and $232.8 million, respectively. As of December 31, 2016 and 2015, such holdings amounted to 7.4% and 7.0%, respectively, of the Company’s investments in debt securities and 2.5% and 2.5%, respectively, of the Company’s total admitted assets. The Company performs periodic evaluations of the relative credit standing of the issuers of these debt securities. The Company considers these evaluations in its overall investment strategy.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Unrealized gains and losses on investments in unaffiliated common stocks, mutual funds and common stocks of subsidiaries are reported directly in capital and surplus and do not affect net income. The unrealized gains and unrealized losses on, and the cost and fair value of those investments and preferred stocks are as follows:



	Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2016:
Preferred stocks	$	36,168	$	4,708	$	(211	)	$	40,665

Common stocks, unaffiliated	$	922,506	$	300,373	$	(10,463	)	$	1,212,416
Common stocks, mutual funds	75,930		2,671		(1,402		)	77,199
Common stocks, subsidiaries	1,649,559		541,653		—			2,191,212
	$	2,647,995	$	844,697	$	(11,865	)	$	3,480,827



	Cost		Gross Unrealized Gains		Gross Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2015:
Preferred stocks	$	38,404	$	5,497	$	(152	)	$	43,749

Common stocks, unaffiliated	$	943,952	$	270,424	$	(73,357	)	$	1,141,019
Common stocks, mutual funds	73,798		210		(3,106		)	70,902
Common stocks, subsidiaries	1,574,558		372,172		—			1,946,730
	$	2,592,308	$	642,806	$	(76,463	)	$	3,158,651

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The following table shows unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position.



	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized Losses			Fair Value		Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2016:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	(11	)	$	1,428	$	(1	)	$	525
Debt securities issued by states of the U.S. and political subdivisions of the states	(133		)	3,803		—			—
Corporate securities	(12,225		)	329,179		(4,627		)	92,719
Commercial mortgage-backed securities⁽¹⁾	(73		)	6,017		—			—
Residential mortgage-backed securities⁽¹⁾	(1,407		)	81,227		(1,356		)	35,139
Asset-backed securities⁽¹⁾	(1,031		)	73,908		(459		)	74,060
Total	$	(14,880	)	$	495,562	$	(6,443	)	$	202,443

Preferred stocks	$	(211	)	$	3,552	$	—		$	—

Common stocks, unaffiliated	$	(10,436	)	$	202,794	$	(27	)	$	202
Common stocks, mutual funds	(1,238		)	20,368		(164		)	2,233
Total	$	(11,674	)	$	223,162	$	(191	)	$	2,435

⁽¹⁾ Amounts relate to securities subject to SSAP 43R.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Unrealized Losses Less Than 12 Months					Unrealized Losses Greater Than or Equal to 12 Months
	Unrealized Losses			Fair Value		Unrealized Losses			Fair Value
	(In Thousands)
At December 31, 2015:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	(206	)	$	59,578	$	(11	)	$	499
Debt securities issued by states of the U.S. and political subdivisions of the states	(96		)	7,441		—			—
Corporate securities	(76,471		)	639,030		(1,984		)	6,892
Commercial mortgage-backed securities⁽¹⁾	(360		)	17,203		—			—
Residential mortgage-backed securities⁽¹⁾	(847		)	79,604		(1,219		)	43,404
Asset-backed securities⁽¹⁾	(2,502		)	194,567		(459		)	31,545
Total	$	(80,482	)	$	997,423	$	(3,673	)	$	82,340

Preferred stocks	$	(152	)	$	916	$	—		$	—

Common stocks, unaffiliated	$	(63,577	)	$	295,777	$	(9,780	)	$	23,710
Common stocks, mutual funds	(2,786		)	59,222		(320		)	2,157
Total	$	(66,363	)	$	354,999	$	(10,100	)	$	25,867

⁽¹⁾ Amounts relate to securities subject to SSAP 43R.

The aggregated unrealized loss is approximately 3.5% and 10.0% of the carrying value of securities considered temporarily impaired at December 31, 2016 and 2015, respectively. At December 31, 2016, there were a total of 250 securities held that are considered temporarily impaired, 39 of which have been impaired for 12 months or longer. At December 31, 2015, there were a total of 429 securities held that were considered temporarily impaired, 32 of which had been impaired for 12 months or longer. The Company recorded other-than-temporary impairments on securities of $21.5 million, $24.8 million and $7.8 million for the years ended December 31, 2016, 2015 and 2014, respectively.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



CUSIP	Book/Adj Carrying Value Amortized Cost Before Current Period OTTI		Present Value of Future Cash Flows		Recognized Other- Than- Temporary Impairment		Amortized Cost After Other-Than-Temporary Impairment		Fair Value		Date of Other-Than-Temporary Impairment




(In Thousands)
For the year ended, December 31, 2016:
46628S-AH-6	$	1,973	$	1,946	$	27	$	1,946	$	1,895	06/30/2016
46628S-AJ-2	1,119		1,106		13		1,106		1,045		06/30/2016
86359D-SR-9	380		380		—		380		349		06/30/2016
45660L-2V-0	2,297		2,287		10		2,287		2,176		09/30/2016
32051G-RW-7	1,737		1,713		24		1,713		1,678		12/31/2016
60467M-AB-7	2,175		1,903		272		1,903		1,903		12/31/2016
60467M-AC-5	22,514		19,160		3,354		19,160		19,160		12/31/2016
75952A-AF-4	713		524		189		524		524		12/31/2016
Total	XXX		XXX		$	3,889	XXX		XXX

The Company had no OTTI on loan-backed securities for the year ended December 31, 2016, due to the intent to sell the security or the inability or lack of intent to retain the investment in the security for a period of time sufficient to recover the amortized cost basis of the security.

A summary of the cost or amortized cost and fair value of the Company’s debt securities at December 31, 2016, by contractual maturity, is as follows:



	Book/Adjusted Carrying Value		Fair Value
	(In Thousands)
Years to maturity:
One or less	$	122,564	$	124,024
After one through five	422,123		442,721
After five through ten	447,118		483,945
After ten	1,735,911		1,983,595
Mortgage-backed securities/asset-backed securities	704,530		726,557
Total	$	3,432,246	$	3,760,842

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Proceeds from sales of investments in debt securities during 2016, 2015 and 2014 were $322.4 million, $354.6 million, and $415.0 million; gross gains of $10.3 million, $14.4 million, and $12.3 million and gross losses of $2.1 million, $2.3 million, and $3.5 million were realized on these sales in 2016, 2015 and 2014, respectively.

Proceeds from the sales of investments in equity securities during 2016, 2015 and 2014 were $518.2 million, $692.5 million, and $654.0 million; gross gains of $107.4 million, $200.2 million, and $184.8 million and gross losses of $34.8 million, $67.9 million, and $5.7 million were realized on these sales in 2016, 2015 and 2014, respectively.

Realized capital gains (losses) are reported net of federal income taxes and amounts transferred to the IMR as follows for the years ended December 31:



	2016		2015		2014
	(In Thousands)
Realized capital gains (losses)	$	28,756	$	68,993	$	188,626
Less amount transferred to IMR (net of related taxes (benefits) of $4,493 in 2016, $7,171 in 2015, and ($41) in 2014)	8,344		13,318		(77		)
Less federal income tax expense (benefit) of realized capital gains (losses)	18,724		39,714		66,676
Net realized capital gains (losses)	$	1,688	$	15,961	$	122,027

Net investment income was generated from the following for the years ended December 31:



	2016		2015		2014
	(In Thousands)
Debt securities	$	186,531	$	181,382	$	172,385
Equity securities	42,688		251,800		402,266
Mortgage loans	3,973		2,368		1,091
Real estate	13,401		13,414		13,467
Policy loans	12,206		11,969		12,355
Cash, cash equivalents and short-term investments	631		552		432
Other invested assets	80,561		101,096		100,852
Other	1,227		1,471		1,077
Gross investment income	341,218		564,052		703,925
Investment expenses	19,053		18,728		18,364
Net investment income	$	322,165	$	545,324	$	685,561

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company’s investments in mortgage loans principally involve commercial real estate. At December 31, 2016, 92.4% of such mortgages, or $53.3 million, involved properties located in Arizona, Missouri, and South Carolina. Such investments consist of primarily first-mortgage liens on completed income-producing properties. The aggregate mortgage outstanding to any one borrower does not exceed $21.0 million. During 2016, the respective minimum and maximum lending rates for mortgage loans issued were 3.90% and 3.90%. At the issuance of a loan, the percentage of any one loan to value of security, exclusive of insured, guaranteed or purchase money mortgage did not exceed 80.0%. During 2016, the Company did not reduce interest rates on any outstanding mortgages.

Derivative Instruments

The Company entered into interest rate swaps and swaptions in an effort to mitigate the risk of rising interest rates on long maturity bonds. In 2015, the Company discontinued the use of swaptions and, in 2016, the Company discontinued the use of interest rate swaps for hedging interest rates.The interest rate swaps were forward starting and allowed the Company to pay a fixed interest rate in exchange for receipt of a floating interest rate with the counterparty on specified terms. The swaptions provided the Company an option to enter into an interest rate swap to pay floating rate in exchange for receipt of a fixed rate with the counterparty on specified terms. The swaps and swaptions utilized in these transactions were considered derivative instruments and not designated as a hedge for accounting purposes. These instruments were carried at fair value on the balance sheet with changes in fair value recorded in surplus. If the instruments were terminated prior to maturity, proceeds were exchanged equal to the fair value of the contract and a realized gain or loss would have been recognized. There was no limit on maximum exposure at year end December 31, 2015. The net fair value was $(1.0) million for the year ended December 31, 2015. The change in fair value was $1.0 million, $47.5 million, and $(77.4) million for the years ended December 31, 2016, 2015, and 2014, respectively.

In 2016, to coincide with the discontinuance of interest rate swaps, the Company discontinued the use of its collateral agreement with the counterparty whereby under certain conditions the counterparty was required to post assets on the Company’s behalf. The posted amount was equal to the difference between the net positive fair value of the swap and the agreed upon thresholds that were based on the credit rating of the counterparty. Inversely, if the net fair value of the swap was negative, then the Company may have been required to post assets using similar thresholds. At December 31, 2015, $15.9 million of cash and security collateral had been posted by the Company.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Information related to the Company’s derivative instruments as described above and the effects of offsetting on the balance sheet consisted of the following for the years ended December 31:



	2016		2015
	(In Thousands)
Derivative assets:
Gross amount of recognized assets	$	—	$	153
Gross amounts offset	—		—
Net amount of assets	$	—	$	153

Derivative liabilities:
Gross amount of recognized liabilities	$	—	$	(1,174	)
Gross amounts offset	—		—
Net amount of liabilities	$	—	$	(1,174	)

3. Fair Values of Financial Instruments


•	Level 1 - Quoted prices (unadjusted) in active markets for identical assets or liabilities. The Company’s Level 1 assets and liabilities primarily include exchange-traded equity securities and mutual funds, including those which are part of the Company’s separate account assets.

•

Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. The Company’s Level 2 assets and liabilities primarily include debt securities within the Company’s separate account for which public quotations are not available, but that are priced by third-party pricing services or internal models using observable inputs. Also included in Level 2 assets and liabilities are NAIC 6 rated industrial and miscellaneous bonds, interest rate swaps, and call options. The fair value of these instruments is determined through the use of third-party pricing services or models utilizing market observable inputs. The derivative positions were closed during 2016.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014


•	Level 3 - Significant unobservable inputs for the asset or liability. The Company’s Level 3 assets and liabilities primarily include certain debt securities and private equity securities within the Company’s separate account that must be priced using non-binding broker quotes or other valuation techniques that utilize significant unobservable inputs.

Debt Securities

Equity Securities

Mortgage Loans

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Cash, Cash Equivalents and Short-Term Investments

The fair values of cash, cash equivalents and short-term investments are based on quoted market prices or stated amounts.

Derivative Instruments

The fair values of free-standing derivative instruments, primarily interest rate swaps, are determined through the use of third-party pricing services or models utilizing market observable inputs. The derivative positions were closed in 2016.

Securities Lending Reinvested Collateral Assets

The fair values of securities lending reinvested collateral assets are determined through the use of third-party sources utilizing publicly quoted prices.

Other Invested Assets

Other invested assets primarily include surplus debentures for which fair values have been determined through the use of third-party pricing services utilizing market observable inputs.

Assets Held in Separate Accounts

Assets held in separate accounts include debt securities, equity securities, mutual funds, private equity, and private debt fund investments. The fair values of debt securities, equity securities and mutual funds have been determined using the same methodologies as similar assets held in the general account. The fair values of private equity and private debt fund investments have been determined utilizing the net asset values of the funds.

Life and Annuity Reserves for Investment-Type Contracts and Deposit Fund Liabilities

Securities Lending Liability

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Assets and liabilities measured at fair value on a recurring basis are outlined below:



	Assets/ (Liabilities) Measured at			Fair Value Hierarchy Level
	Fair Value			Level 1		Level 2			Level 3
	(In Thousands)
At December 31, 2016
Assets:
Bonds, industrial & misc.	$	4,012		$	—	$	4,012		$	—
Common stocks, unaffiliated	1,212,416			1,212,416		—			—
Common stocks, mutual funds	77,199			77,199		—			—
Separate account assets	994,109			657,881		259,445			76,783
Total assets	$	2,287,736		$	1,947,496	$	263,457		$	76,783

At December 31, 2015
Assets:
Bonds, industrial & misc.	$	2,691		$	—	$	2,691		$	—
Common stocks, unaffiliated	1,141,019			1,141,019		—			—
Common stocks, mutual funds	70,902			70,902		—			—
Derivative assets	153			—		153			—
Separate account assets	982,729			658,971		252,525			71,233
Total assets	$	2,197,494		$	1,870,892	$	255,369		$	71,233

Liabilities:
Derivative liabilities	$	(1,174	)	$	—	$	(1,174	)	$	—

There were no transfers between Level 1 and Level 2 of the fair value hierarchy.

The reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016 are as follows:



	Beginning Asset/ (Liability) as of		Total Realized/Unrealized Gains (Losses) Included in*:						Purchases, Sales, Issuances and Settlements		Transfers Into Level 3		Transfers Out of Level 3		Ending Asset/ (Liability) as of
	January 1, 2016		Net Income		Surplus		Other		Purchases, Sales, Issuances and Settlements		Transfers Into Level 3		Transfers Out of Level 3		December 31, 2016
	(In Thousands)
Assets:
Separate account assets	$	71,233	$	—	$	—	$	4,275	$	1,275	$	—	$	—	$	76,783

* Gains and losses for assets held in separate accounts do not impact net income or surplus as the change in value of assets held in separate accounts is offset by a change in value of liabilities related to separate accounts.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Purchases		Issuances		Sales		Settlements			Net Purchases, Issuances, Sales and Settlements
	(In Thousands)
Separate account assets	$	9,030	$	—	$	—	$	(7,755	)	$	1,275

The reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2015, is as follows:



	Beginning Asset/ (Liability) as of		Total Realized/Unrealized Gains (Losses) Included in*:						Purchases, Sales, Issuances and Settlements			Transfers Into Level 3		Transfers Out of Level 3		Ending Asset/ (Liability) as of
	January 1, 2015		Net Income		Surplus		Other		Purchases, Sales, Issuances and Settlements			Transfers Into Level 3		Transfers Out of Level 3		December 31, 2015
	(In Thousands)
Assets:
Separate account assets	$	74,892	$	—	$	—	$	5,621	$	(9,280	)	$	—	$	—	$	71,233



	Purchases		Issuances		Sales		Settlements			Net Purchases, Issuances, Sales and Settlements
	(In Thousands)
Separate account assets	$	7,977	$	—	$	—	$	(17,257	)	$	(9,280	)

The Company did not have any significant assets or liabilities measured at fair value on a nonrecurring basis as of December 31, 2016 and 2015.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The carrying amounts and fair values of the Company’s significant financial instruments follow:



	December 31, 2016
	Carrying Amount			Fair Value			(Level 1)		(Level 2)			(Level 3)
	(In Thousands)
Assets:
Bonds	$	3,432,246		$	3,760,842		$	15,640	$	3,724,838		$	20,364
Common stock:
Unaffiliated	1,212,416			1,212,416			1,212,416		—			—
Mutual funds	77,199			77,199			77,199		—			—
Preferred stock	36,168			40,665			—		28,628			12,037
Mortgage loans	57,655			57,301			—		—			57,301
Cash, cash equivalents and short-term investments	148,695			148,695			148,695		—			—
Other invested assets, surplus notes	36,083			40,889			—		40,889			—
Securities lending reinvested collateral assets	17,592			17,592			17,592		—			—
Separate account assets	994,109			994,109			657,881		259,445			76,783

Liabilities:
Life and annuity reserves for investment-type contracts and deposit fund liabilities	$	(5,185	)	$	(5,488	)	$	—	$	—		$	(5,488	)
Securities lending liability	(132,988		)	(132,988		)	—		(132,988		)	—



	December 31, 2015
	Carrying Amount			Fair Value			(Level 1)		(Level 2)			(Level 3)
	(In Thousands)
Assets:
Bonds	$	3,567,134		$	3,791,657		$	69,443	$	3,701,361		$	20,853
Common stock:
Unaffiliated	1,141,019			1,141,019			1,141,019		—			—
Mutual funds	70,902			70,902			70,902		—			—
Preferred stock	38,404			43,749			—		34,249			9,500
Mortgage loans	41,006			41,907			—		—			41,907
Cash, cash equivalents and short-term investments	151,050			151,050			151,050		—			—
Other invested assets, surplus notes	36,109			39,264			—		39,264			—
Securities lending reinvested collateral assets	55,101			55,101			55,101		—			—
Derivative assets	153			153			—		153			—
Separate account assets	982,729			982,729			658,971		252,525			71,233

Liabilities:
Life and annuity reserves for investment-type contracts and deposit fund liabilities	$	(5,395	)	$	(5,791	)	$	—	$	—		$	(5,791	)
Derivative liabilities	(1,174		)	(1,174		)	—		(1,174		)	—
Securities lending liability	(147,360		)	(147,360		)	—		(147,360		)	—

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

4. Related-Party Transactions

The Company owns a 100% interest in WSLAC, whose carrying value is $1.1 billion at December 31, 2016. The Company carries WSLAC at its underlying statutory equity, which exceeds 10% of the admitted assets of the Company. The accounting policies of WSLAC are the same as those of the Company described in Note 1. The summary financial data for WSLAC is as follows:

WSLAC Balance Sheets (Statutory-Basis)



	December 31
	2016		2015
	(In Thousands)
Admitted assets
Cash and invested assets:
Debt securities	$	10,087,795	$	10,217,366
Preferred and common stocks	266,127		277,035
Investment in common stock of subsidiaries	1,217		1,145
Mortgage loans	821,278		788,310
Policy loans	35,470		37,729
Cash, cash equivalents and short-term investments	94,176		109,739
Receivable for securities	3,581		15,694
Derivatives	472		1,607
Receivable for collateral on derivatives	—		7,660
Securities lending reinvested collateral assets	115		55,328
Other invested assets	236,263		223,080
Total cash and invested assets	11,546,494		11,734,693

Investment income due and accrued	90,727		95,602
Premiums deferred and uncollected	22,079		21,231
Current federal income taxes recoverable from parent	—		15,251
Net deferred income tax asset	29,837		24,082
Funds withheld under coinsurance agreement	624,512		625,435
Other admitted assets	13,497		11,444
Separate account assets	22,911		25,637
Total admitted assets	$	12,350,057	$	12,553,375

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

WSLAC Balance Sheets (Statutory-Basis)



	December 31
	2016			2015
	(In Thousands)
Liabilities and capital and surplus
Liabilities:
Policy and contract liabilities:
Life and annuity reserves	$	9,308,514		$	9,565,248
Liability for deposit-type contracts	1,461,456			1,413,140
Policy and contract claims	26,091			24,766
Premiums received in advance	374			604
Total policy and contract liabilities	10,796,435			11,003,758

General expense due and accrued	755			1,250
Current federal income taxes payable to parent	647			—
Transfer to (from) separate accounts due and accrued, net	(177		)	(492		)
Asset valuation reserve	148,102			149,421
Interest maintenance reserve				—
Other liabilities	50,221			31,144
Derivatives	—			7,159
Payable for securities lending	238,325			340,262
Separate account liabilities	22,911			25,637
Total liabilities	11,257,219			11,558,139

Capital and surplus:
Common stock, $1 par value, authorized 10,000 shares, issued and outstanding 2,500 shares	2,500			2,500
Paid-in surplus	791,308			791,308
Accumulated surplus	299,030			201,428
Total capital and surplus	1,092,838			995,236
Total liabilities and capital and surplus	$	12,350,057		$	12,553,375

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

WSLAC Statements of Operations (Statutory-Basis)



	Year Ended December 31
	2016			2015			2014
	(In Thousands)
Premiums and other revenues:
Premiums and annuity considerations	$	612,121		$	578,632		$	801,533
Net investment income	480,104			514,845			540,884
Considerations for supplementary contracts with life contingencies	2,719			4,747			2,857
Amortization of the interest maintenance reserve	(586		)	3,965			7,465
Fees from management of separate accounts	279			343			405
Other revenues	28,964			32,715			34,932
Total premiums and other revenues	1,123,601			1,135,247			1,388,076
Benefits paid or provided:
Death benefits	206,855			193,064			180,129
Annuity benefits	264,311			271,448			258,373
Disability and accident and health benefits	2,564			2,627			2,744
Surrender benefits	601,651			657,761			649,134
Payments on supplementary contracts with life contingencies	3,328			3,298			3,150
Other benefits	1,992			1,816			1,650
Increase (decrease) in policy reserves and other policyholders’ funds	(224,695		)	(275,351		)	(64,126		)
Total benefits paid or provided	856,006			854,663			1,031,054
Insurance expenses and other deductions:
Commissions	33,187			29,449			41,666
Commission and expense allowance on reinsurance assumed	2,251			2,425			2,962
General expenses	98,339			102,471			107,469
Net transfers to (from) separate accounts	(3,605		)	(5,940		)	(6,092		)
Other deductions	3,792			4,398			3,340
Total insurance expenses and other deductions	133,964			132,803			149,345
Gain (loss) from operations before federal income tax expense and net realized capital gains (losses)	133,631			147,781			207,677
Federal income tax expense (benefit), excluding tax on capital gains	46,082			56,608			62,243
Gain (loss) from operations before net realized capital gains (losses)	87,549			91,173			145,434
Net realized capital gains (losses) (excluding gains (losses) transferred to IMR and capital gains tax)	(32,327		)	(23,204		)	34,147
Net income (loss)	$	55,222		$	67,969		$	179,581

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company has an equity interest in certain partnerships that made payments of principal and interest under mortgage financing arrangements to WSLAC in the amount of $1.0 million, $1.1 million, and $37.9 million in 2016, 2015 and 2014, respectively. The principal balance of the mortgage financing arrangements with WSLAC was $12.4 million and $12.6 million at December 31, 2016 and 2015, respectively.

At December 31, 2016 and 2015, the Company had $65.5 million and $60.7 million, respectively, invested, in the Touchstone Funds, which are mutual funds administered by Touchstone Advisors, Inc., an indirect subsidiary of the Company.

The Company paid a $30.0 million capital contribution to Columbus Life in December 2016. The contribution was in the form of cash.

The Company paid a $45.0 million capital contribution to Integrity in December 2016. The contribution was in the form of cash.

The Company paid a $40.0 million ordinary dividend to WSFG in December 2015. The dividend was in the form of cash.

The Company received a $179.0 million ordinary dividend from WSLAC in December 2015. The dividend consisted of $79.9 million in cash and $99.1 million in bonds at fair value.

The Company received a $25.0 million ordinary dividend from Integrity in December 2015. The dividend was in the form of cash.

The Company paid a $50.0 million capital contribution to Columbus Life in December 2015. The contribution was in the form of cash.

The Company received a $117.7 million ordinary dividend and a $132.3 million extraordinary dividend from WSLAC in December 2014. The dividends consisted of $65.9 million in cash and $184.1 million in bonds at fair value.

The Company paid a $100.0 million ordinary dividend to WSFG in December 2014. The dividend was in the form of cash.

The Company received a $66.8 million ordinary dividend and a $33.2 million extraordinary dividend from Integrity in December 2014. The dividends consisted of $75.0 million in cash and $25.0 million in bonds at fair value.

The Company had $24.9 million and $26.0 million receivable from parent, subsidiaries and affiliates as of December 31, 2016 and 2015, respectively. The Company did not have any amounts payable to parent, subsidiaries and affiliates as of December 31, 2016 or 2015. The terms of the settlement generally require that these amounts be settled in cash within 30 days.

The Company has entered into multiple reinsurance agreements with affiliated entities. See Note 5 for further description.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

5. Reinsurance

The Company has a modified coinsurance agreement with Integrity, whereby the Company assumes structured settlements, guaranteed rate option annuities, and accumulation products written before July 1, 2002. Under the terms of the agreement, Integrity retains the reserves and the related assets of this business.

The Company has a ceded reinsurance agreement with Columbus Life. Under the reinsurance agreement, Columbus Life reinsures the former liabilities of Columbus Mutual, a former affiliate, which was merged into the Company. Life and accident and health reserves ceded from the Company to Columbus Life totaled $552.3 million and $573.0 million at December 31, 2016 and 2015, respectively.

In 2006, the Company entered into a yearly renewable term reinsurance agreement with Lafayette Life, an affiliated entity, whereby the Company provides reinsurance coverage on certain life products and associated riders as this coverage is recaptured by Lafayette Life from unaffiliated reinsurers. Life reserves ceded from Lafayette Life to the Company under this agreement totaled $1.1 million and $1.1 million at December 31, 2016 and 2015, respectively.

Certain premiums and benefits are ceded to other unaffiliated insurance companies under various reinsurance agreements. The majority of the ceded business is due to ceding substandard business to reinsurers (facultative basis).

The effects of reinsurance on premiums, annuity considerations and deposit-type funds are as follows for the years ended December 31:



	2016			2015			2014
	(In Thousands)

Direct premiums	$	257,690		$	259,270		$	265,825
Assumed premiums:
Affiliates	2,548			3,077			2,985
Nonaffiliates	—			—			—
Ceded premiums:
Affiliates	—			—			—
Nonaffiliates	(6,496		)	(6,150		)	(5,598		)
Net premiums	$	253,742		$	256,197		$	263,212

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company’s ceded reinsurance arrangements reduced certain other items in the accompanying financial statements by the following amounts as of and for the years ended December 31:



	2016		2015		2014
	(In Thousands)
Benefits paid or provided:
Affiliates	$	—	$	—	$	—
Nonaffiliates	3,519		3,355		3,598
Policy and contract liabilities:
Affiliates	524,323		573,039		593,543
Nonaffiliates	49,422		48,428		55,456
Amounts receivable on reinsurance contracts:
Affiliates	—		—		—
Nonaffiliates	511		89		184

At December 31, 2016, the Company has no significant reserves ceded to unauthorized reinsurers. Amounts payable or recoverable for reinsurance on policy and contract liabilities are not subject to periodic or maximum limits. At December 31, 2016, the Company’s reinsurance recoverables are not material and no individual reinsurer owed the Company an amount that was equal to or greater than 3% of the Company’s capital and surplus.

There would be no reduction in surplus at December 31, 2016, if all reinsurance agreements were cancelled.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

6. Federal Income Taxes

The Company and its eligible subsidiaries and affiliates file a consolidated federal income tax return. Amounts due (to)/from the subsidiaries and affiliates for federal income taxes were $13.6 million and $(15.3) million at December 31, 2016 and 2015, respectively. The tax years 2008 through 2016 remain subject to examination by major tax jurisdictions.

The amount of federal income taxes incurred that will be available for recoupment at December 31, 2016, in the event of future net losses is $36.8 million, $80.2 million, and $94.5 million from 2016, 2015 and 2014, respectively.

The components of the net deferred tax asset (liability) at December 31 are as follows:



		12/31/2016
		(in thousands)
		(1)		(2)			(3)
							(Col 1+2)
		Ordinary		Capital			Total

(a)	Gross deferred tax assets	$	335,213	$	20,961		$	356,174
(b)	Statutory valuation allowance adjustments	—		—			—
(c)	Adjusted gross deferred tax assets (a - b)	335,213		20,961			356,174
(d)	Deferred tax assets nonadmitted	—		—			—
(e)	Subtotal net admitted deferred tax assets (c - d)	335,213		20,961			356,174
(f)	Deferred tax liabilities	157,838		101,874			259,712
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	177,375	$	(80,913	)	$	96,462



		12/31/2015
		(in thousands)
		(4)		(5)			(6)
							(Col 4+5)
		Ordinary		Capital			Total

(a)	Gross deferred tax assets	$	332,435	$	43,969		$	376,404
(b)	Statutory valuation allowance adjustments	—		—			—
(c)	Adjusted gross deferred tax assets (a - b)	332,435		43,969			376,404
(d)	Deferred tax assets nonadmitted	—		—			—
(e)	Subtotal net admitted deferred tax assets (c - d)	332,435		43,969			376,404
(f)	Deferred tax liabilities	144,198		92,858			237,056
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	188,237	$	(48,889	)	$	139,348

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		Change
		(in thousands)
		(7)			(8)			(9)
								(Col 7+8)
		Ordinary			Capital			Total

(a)	Gross deferred tax assets	$	2,778		$	(23,008	)	$	(20,230	)
(b)	Statutory valuation allowance adjustments	—			—			—
(c)	Adjusted gross deferred tax assets (a - b)	2,778			(23,008		)	(20,230		)
(d)	Deferred tax assets nonadmitted	—			—			—
(e)	Subtotal net admitted deferred tax assets (c - d)	2,778			(23,008		)	(20,230		)
(f)	Deferred tax liabilities	13,640			9,016			22,656
(g)	Net admitted deferred tax asset/(net deferred tax liability) (e - f)	$	(10,862	)	$	(32,024	)	$	(42,886	)



		12/31/2016
		(in thousands)
		(1)		(2)		(3)
						(Col 1+2)
Admission Calculation Components SSAP No. 101		Ordinary		Capital		Total

(a)	Federal income taxes paid in prior years recoverable through loss carrybacks	$	84,065	$	12,397	$	96,462
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—		—		—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—		—		—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX		XXX		707,243
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	251,148		8,564		259,712
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	335,213	$	20,961	$	356,174



		12/31/2015
		(in thousands)
		(4)		(5)		(6)
						(Col 4+5)
Admission Calculation Components SSAP No. 101		Ordinary		Capital		Total

(a)	Federal income taxes paid in prior years recoverable through loss carrybacks	$	117,319	$	22,029	$	139,348
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—		—		—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—		—		—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX		XXX		660,697
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	215,116		21,940		237,056
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	332,435	$	43,969	$	376,404

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		Change
		(in thousands)
		(7)			(8)			(9)
								(Col 7+8)
Admission Calculation Components SSAP No. 101		Ordinary			Capital			Total

(a)	Federal income taxes paid in prior years recoverable through loss carrybacks	$	(33,254	)	$	(9,632	)	$	(42,886	)
(b)	Adjusted gross deferred tax assets expected to be realized (excluding the amount of deferred tax assets from (a) above) after application of the threshold limitation (the lesser of (b)1 and (b)2 below)	—			—			—
	1. Adjusted gross deferred tax assets expected to be realized following the balance sheet date.	—			—			—
	2. Adjusted gross deferred tax assets allowed per limitation threshold.	XXX			XXX			46,546
(c)	Adjusted gross deferred tax assets (excluding the amount of deferred tax assets from (a) and (b) above) offset by gross deferred tax liabilities	36,032			(13,376		)	22,656
(d)	Deferred tax assets admitted as the result of application of SSAP No. 101 Total ((a) + (b) + (c))	$	2,778		$	(23,008	)	$	(20,230	)



	2016	2015
	(in thousands)
Ratio percentage used to determine recovery period and threshold limitation amount	1,072%	1,054%
Amount of adjusted capital and surplus used to determine recovery period and threshold limitation in (b)2 above	$502,086	$473,775



		12/31/2016
		(1)	(2)
Impact of tax planning strategies		Ordinary	Capital
		(in thousands)
(a)	Adjusted gross DTAs amount	$335,213	$20,961
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	3.48%	3.48%
(c)	Net Admitted Adjusted Gross DTAs amount	$335,213	$20,961
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	3.48%	3.48%



		12/31/2015
		(3)	(4)
Impact of tax planning strategies		Ordinary	Capital
		(in thousands)
(a)	Adjusted gross DTAs amount	$332,435	$43,969
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	11.86%	5.85%
(c)	Net Admitted Adjusted Gross DTAs amount	$332,435	$43,969
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	11.86%	5.85%

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



		Change
		(5)	(6)
Impact of tax planning strategies		Ordinary	Capital
		(in thousands)

(a)	Adjusted gross DTAs amount	$2,778	$(23,008)
(b)	Percentage of adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	(8.38)%	(2.37)%
(c)	Net Admitted Adjusted Gross DTAs amount	$2,778	$(23,008)
(d)	Percentage of net admitted adjusted gross DTAs by tax character attributable to the impact of tax planning strategies.	(8.38)%	(2.37)%

The Company's tax planning strategies do not include the use of reinsurance.

Current income taxes incurred consist of the following major components:



				12/31/2016		12/31/2015		12/31/2014
				(in thousands)
(1	)	Current income tax
		(a)	Federal	$	4,989	$	28,502	$	35,090
		(b)	Foreign	204		318		488
		(c)	Subtotal	5,193		28,820		35,578
		(d)	Federal income tax on net capital gains	18,724		39,714		66,676
		(e)	Utilization of capital loss carryforwards	—		—		—
		(f)	Other	—		—		—
		(g)	Federal and foreign income taxes incurred	$	23,917	$	68,534	$	102,254

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



			(1)		(2)		(3)
							(Col 1-2)
(2)	Deferred tax assets:		12/31/2016		12/31/2015		Change
	(a)	Ordinary	(in thousands)
		(1) Discounting of unpaid losses	$	—	$	—	$	—
		(2) Unearned premium revenue	—		—		—
		(3) Policyholder reserves	76,720		70,625		6,095
		(4) Investments	—		—		—
		(5) Deferred acquisition costs	29,448		30,099		(651		)
		(6) Policyholder dividends accrual	8,675		8,921		(246		)
		(7) Fixed assets	5,595		2,019		3,576
		(8) Compensation and benefits accrual	170,531		179,982		(9,451		)
		(9) Pension accrual	—		—		—
		(10) Receivables - nonadmitted	39,274		34,678		4,596
		(11) Net operating loss carryforward	—		—		—
		(12) Tax credit carryforward	—		—		—
		(13) Other	4,970		6,111		(1,141		)
		(99) Subtotal	335,213		332,435		2,778
	(b)	Statutory valuation allowance adjustment	—		—		—
	(c)	Nonadmitted	—		—		—
	(d)	Admitted ordinary deferred tax assets (2a99 - 2b - 2c)	335,213		332,435		2,778
	(e)	Capital
		(1) Investments	20,961		43,969		(23,008		)
		(2) Net capital loss carryforward	—		—		—
		(3) Real estate	—		—		—
		(4) Other	—		—		—
		(99) Subtotal	20,961		43,969		(23,008		)
	(f)	Statutory valuation allowance adjustment	—		—		—
	(g)	Nonadmitted	—		—		—
	(h)	Admitted capital deferred tax assets (2e99- 2f - 2g)	20,961		43,969		(23,008		)
	(i)	Admitted deferred tax assets (2d + 2h)	$	356,174	$	376,404	$	(20,230	)

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



			(1)		(2)		(3)
							(Col 1-2)
			12/31/2016		12/31/2015		Change
(3)	Deferred tax liabilities:		(in thousands)
	(a)	Ordinary
		(1) Investments	$	137,670	$	123,144	$	14,526
		(2) Fixed assets	949		752		197
		(3) Deferred and uncollected premium	16,621		16,898		(277		)
		(4) Policyholder reserves	2,564		3,375		(811		)
		(5) Other	34		29		5
		(99) Subtotal	157,838		144,198		13,640
	(b)	Capital
		(1) Investments	101,874		92,858		9,016
		(2) Real estate	—		—		—
		(3) Other	—		—		—
		(99) Subtotal	101,874		92,858		9,016
	(c)	Deferred tax liabilities (3a99 + 3b99)	259,712		237,056		22,656
(4)	Net deferred tax assets/liabilities (2i - 3c)		$	96,462	$	139,348	$	(42,886	)

Among the more significant book-to-tax adjustments were the following:



	12/31/2016			Effective Tax Rate		12/31/2015			Effective Tax Rate		12/31/2014			Effective Tax Rate
	(in thousands)					(in thousands)					(in thousands)

Provision computed at statutory rate	$	30,050		35.00	%	$	122,467		35.00	%	$	217,574		35.00	%
Dividends received deduction	(5,082		)	(5.92	)	(76,648		)	(21.91	)	(126,628		)	(20.37	)
Tax credits	(2,720		)	(3.17	)	(2,616		)	(0.75	)	(1,821		)	(0.29	)
Other invested assets and nonadmitted change	(9,324		)	(10.86	)	(20,488		)	(5.86	)	(587		)	(0.09	)
Post-retirement benefit plans	—			—		1,405			0.40		7,575			1.22
STAT reserve change	(1,647		)	(1.92	)	(829		)	(0.24	)	—			0.00
Other	(5,154		)	(6.00	)	(5,003		)	(1.41	)	1,236			0.19
Total statutory income taxes	$	6,123		7.13	%	$	18,288		5.23	%	$	97,349		15.66	%

Federal taxes incurred	$	23,917		27.86	%	$	68,534		19.59	%	$	102,254		16.45	%
Change in net deferred income taxes	(17,794		)	(20.73	)	(50,246		)	(14.36	)	(4,905		)	(0.79	)
Total statutory income taxes	$	6,123		7.13	%	$	18,288		5.23	%	$	97,349		15.66	%

At December 31, 2016, the Company had $0.0 of net operating loss carryforwards, net capital loss carryforwards and tax credit carry forwards; the company had $0.0 of deferred tax liabilities that are not recognized.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

7. Capital and Surplus

Ohio insurance law limits the amount of dividends that can be paid to a parent in a holding company structure without prior approval of the regulators to the greater of 10% of statutory surplus or statutory net income as of the preceding December 31 less any dividends paid in the preceding 12 months, but only to the extent of earned surplus as of the preceding December 31. Based on these limitations, the Company is able to pay dividends of up to $481.6 million by the end of 2017 without seeking prior regulatory approval based on capital and surplus of $4,815.5 million at December 31, 2016.

8. Commitments and Contingencies

At December 31, 2016, the Company does not have any material lease agreements as a lessee for office space or equipment.

At December 31, 2016, the Company has future commitments to provide additional capital contributions of $397.7 million to investments in joint ventures organized as limited partnerships or limited liability companies.

The Company guarantees the payment of all policyholder obligations of each of the following wholly-owned subsidiaries: Columbus Life and Integrity. In addition, the Company guarantees all policyholder obligations of National, a wholly-owned subsidiary of Integrity, and Lafayette Life, an affiliated entity which is wholly-owned by the Company’s parent, WSFG. Guarantees on behalf of wholly-owned subsidiaries or on behalf of related parties that are considered to be unlimited (as in the case of the guarantee on behalf of Lafayette Life) are exempt from the initial liability recognition criteria and therefore no liability has been recognized in the financial statements. Due to the unlimited nature of the guarantees, the Company is unable to estimate the maximum potential amount of future payments under the guarantees. In the unlikely event the guarantees would be triggered, the Company may be permitted to take control of the underlying assets to recover all or a portion of the amounts paid under the guarantees.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

9. Annuity Reserves and Deposit-Type Contract Liabilities



	General Account		Separate Account With Guarantees		Separate Account Non-guaranteed		Total		Percent
	(In Thousands)
Subject to discretionary withdrawal:
With fair value adjustment	$	—	$	—	$	—	$	—	—	%
At book value less current surrender charge of 5% or more	—		—		—		—		—
At fair value	—		—		—		—		—
Total with adjustment or at market value	—		—		—		—		—
Subject to discretionary withdrawal at book value without adjustment (minimal or no charge or adjustment)	353,075		—		—		353,075		27.6
Not subject to discretionary withdrawal	9,626				914,875		924,501		72.4
Total annuity reserves and deposit-type contract liabilities (before reinsurance)	362,701		—		914,875		1,277,576		100.0	%
Less reinsurance ceded	123,249		—		—		123,249
Net annuity reserves and deposit-type contract liabilities	$	239,452	$	—	$	914,875	$	1,154,327

10. Employee Retirement Benefits

The Company has a noncontributory pension plan under group annuity contracts written by the Company covering substantially all employees and field representatives. In addition, the Company provides certain health care and life insurance benefits for retired employees or their beneficiaries. Substantially all of the Company’s employees and field representatives may become eligible for those benefits when they reach normal retirement age while working for the Company.

The Company uses a December 31 measurement date for all plans.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

A summary of assets, obligations and assumptions of the pension and other postretirement benefit plans at December 31, are as follows:



	Pension Benefits						Postretirement Medical
	2016			2015			2016			2015
	(In Thousands)
Change in benefit obligation:
Benefit obligation at beginning of year	$	1,003,308		$	1,046,429		$	183,347		$	219,041
Service cost	18,051			21,331			621			924
Interest cost	36,328			41,505			6,327			8,347
Contribution by plan participants	—			—			4,605			4,658
Actuarial (gain) loss	27,710			(49,087		)	(9,757		)	(35,361		)
Benefits paid	(69,697		)	(56,870		)	(15,643		)	(14,262		)
Plan amendments	—			—			—			—
Benefit obligation at end of year	$	1,015,700		$	1,003,308		$	169,500		$	183,347

Change in plan assets:
Fair value of plan assets at beginning of year	$	887,429		$	904,927		$	—		$	—
Actual return on plan assets	90,143			39,372			—			—
Employer contribution	7,000			—			11,039			9,604
Plan participants’ contributions	—			—			4,604			4,658
Benefits paid	(69,697		)	(56,870		)	(15,643		)	(14,262		)
Fair value of plan assets at end of year	$	914,875		$	887,429		$	—		$	—



	Pension Benefits						Postretirement Medical
	2016			2015			2016			2015
	(In Thousands)
Funded status:
Overfunded (underfunded) obligation	$	(100,825	)	$	(115,879	)	$	(169,500	)	$	(183,347	)
Unrecognized net (gain) or loss	—			—			—			—
Unrecognized prior service cost	—			—			—			—
Net amount recognized*	$	(100,825	)	$	(115,879	)	$	(169,500	)	$	(183,347	)

Accumulated benefit obligation for vested employees and partially vested employees to the extent vested	$	(966,933	)	$	(961,596	)	$	(169,500	)	$	(183,347	)


*	Nonadmitted if overfunded

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Pension Benefits
	2016			2015			2014
	(In Thousands)
Components of net periodic benefit cost:
Service cost	$	18,051		$	21,331		$	16,175
Interest cost	36,329			41,505			41,110
Expected return on plan assets	(64,585		)	(65,747		)	(64,416		)
Amount of recognized gains and losses	35,764			41,969			30,245
Amount of prior service cost recognized	(5,134		)	(1,019		)	(1,019		)
Total net periodic benefit cost (benefit)	$	20,425		$	38,039		$	22,095



	Postretirement Medical
	2016			2015			2014
	(In Thousands)
Components of net periodic benefit cost:
Service cost	$	621		$	924		$	878
Interest cost	6,327			8,347			9,413
Amount of recognized gains and losses	(1,669		)	25			(25		)
Amount of prior service cost recognized	(1,075		)	(1,074		)	(1,074		)
Total net periodic benefit cost (benefit)	$	4,204		$	8,222		$	9,192



	Pension Benefits						Postretirement Medical
	2016			2015			2016			2015
	(In Thousands)
Amounts in unassigned funds (surplus) recognized as components of net periodic benefit cost:
Items not yet recognized as a component of net periodic cost - prior year	$	437,653		$	501,314		$	(39,815	)	$	(5,504	)
Net transition asset or obligation recognized	—			—			—			—
Net prior service cost or credit arising during the period	—			—			—			—
Net prior service cost or credit recognized	5,134			1,019			1,075			1,075
Net gain and loss arising during the period	2,151			(22,711		)	(9,740		)	(35,360		)
Net gain and loss recognized	(35,764		)	(41,969		)	1,669			(26		)
Items not yet recognized as a component of net periodic cost - current year	$	409,174		$	437,653		$	(46,811	)	$	(39,815	)

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Pension Benefits						Postretirement Medical
	2016			2015			2016			2015
	(In Thousands)
Amounts in unassigned funds (surplus) expected to be recognized in the next fiscal year as components of net periodic benefit cost:
Net transition asset or (obligation)	$	—		$	—		$	—		$	—
Net prior service cost or (credit)	(5,134		)	(3,600		)	(1,503		)	(1,075		)
Net recognized gains and (losses)	32,072			35,499			(2,665		)	(1,492		)

Amounts in unassigned funds (surplus) that have not yet been recognized as components of net periodic benefit cost:
Net transition asset or (obligation)	$	—		$	—		$	—		$	—
Net prior sevice cost or (credit)	(21,761		)	(26,895		)	(9,702		)	(10,777		)
Net recognized gains and (losses)	430,935			464,548			(37,092		)	(29,038		)

Assumptions used to determine net periodic benefit cost for the year ended December 31:



	Pension Benefits		Postretirement Medical
	2016	2015	2016	2015

Discount rate	4.35%	4.05%	4.31%	4.00%
Rate of compensation increase	4.60%	4.60%	N/A	N/A
Expected long-term rate of return on plan assets	7.50%	7.50%	N/A	N/A

Assumptions used to determine the benefit obligation at December 31:



	Pension Benefits		Postretirement Medical
	2016	2015	2016	2015

Discount rate	4.17%	4.35%	4.12%	4.31%
Rate of compensation increase	4.60%	4.60%	N/A	N/A

The Company’s pension liability was $100.8 million and $115.9 million at December 31, 2016 and 2015, respectively.

Effective January 1, 2016, the Company elected to utilize a full yield curve approach in the estimation of liabilities, service cost, and interest cost for pension and postretirement benefits by applying the specific spot rates along the yield curve used in the determination of the benefit obligation to the relevant projected cash flows. Historically, the Company estimates these service and interest cost components utilizing a single weighted-average discount rate derived from the yield curve used to measure the benefit obligation at the beginning of the period. The Company made the change to provide a more precise measurement of service

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

and interest costs by improving the correlation between projected benefit cash flows to the corresponding spot yield curve rates. The Company accounted for this change as a change in accounting estimate and, accordingly, accounted for it prospectively. The yield curve utilized in the cash flow analysis is comprised of highly rated (Aaa or Aa) corporate bonds. The discount rate was decreased from 4.35% at December 31, 2015 to 4.17% at December 31, 2016. This resulted in a $22.7 million increase in the pension benefit obligation in 2016. The discount rate was increased from 4.05% at December 31, 2014 to 4.35% at December 31, 2015. This resulted in a $40.8 million decrease in the pension benefit obligation in 2015.

The Company employs a prospective building block approach in determining the long-term expected rate of return for plan assets. Historical returns are determined by asset class. The historical relationships between equities, fixed income securities, and other assets are reviewed. The Company applies long-term asset return estimates to the plan’s target asset allocation to determine the weighted-average long-term return. The Company’s long-term asset allocation was determined through modeling long-term returns and asset return volatilities and is guided by an investment policy statement created for the plan.

The asset allocation for the defined benefit pension plan at the end of 2016 and 2015, and the target allocation for 2016 by asset category, are as follows:



	Target Allocation Percentage		Percentage of Plan Assets
	2016		2016		2015
Asset category:
Equity securities	55	%	60	%	59	%
Fixed income securities	15		14		14
Short-term investments	5		2		4
Other	25		24		23
Total	100	%	100	%	100	%

The plan employs a total return investment approach whereby a mix of fixed income and equity investments are used to maximize the long-term return of plan assets for a prudent level of risk. Risk tolerance is established through careful consideration of plan liabilities, plan funded status, and corporate financial condition. The total portfolio is structured with multiple sub-portfolios, each with a specific fixed income or equity asset management discipline. Each sub-portfolio is subject to individual limitations and performance benchmarks as well as limitations at the consolidated portfolio level. Quarterly asset allocation meetings are held to evaluate portfolio asset allocations and to establish the optimal mix of assets given current market conditions and risk tolerance. Investment mix is measured and monitored on an ongoing basis through regular investment reviews, annual liability measurements, and periodic asset/liability studies.

The Company’s pension plan assets consist primarily of debt and equity securities, mutual funds and private equity funds, all of which are carried at fair value.

Fair value is defined as the price that would be received to sell an asset in an orderly transaction between market participants at the measurement date (an exit price). The fair value hierarchy prioritizes the inputs to valuation techniques used to measure fair value into three levels.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014


•	Level 1 - Quoted prices (unadjusted) in active markets for identical assets or liabilities. The Company’s Level 1 assets primarily include exchange-traded equity securities and mutual funds.

•

Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. The Company’s Level 2 assets include certain debt securities for which public price quotations are not available, but that use other market observable inputs from third-party pricing service quotes or internal valuation models using observable inputs. Level 2 assets also include private funds that invest primarily in domestic debt securities where the Company has the right to redeem its interest at net asset values. The underlying debt securities within these funds employ similar valuation methodologies as the Company’s other investments in debt securities.


•	Level 3 - Significant unobservable inputs for the asset or liability. The Company’s Level 3 assets primarily include private equity fund interests.

Debt Securities

The fair values of actively traded debt securities have been determined through the use of third-party pricing services utilizing market observable inputs.

Equity Securities

The fair values of actively traded equity securities have been determined utilizing publicly quoted prices from third-party pricing services.

Mutual Funds

The fair values of mutual funds have been determined utilizing the net asset values of the funds.

Private Equity and Fixed Income Funds

The fair values of private equity and fixed income funds have been determined utilizing the net asset values of the funds.

Other Assets

Other assets primarily include securities lending reinvested collateral and a group annuity contract. The fair value of securities lending reinvested collateral assets are from third-party sources utilizing publicly quoted prices. The group annuity contract is carried at cash surrender value, which approximates fair value.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The fair value of the pension plan’s assets by asset category is as follows:



	Assets Measured at Fair Value		Fair Value Hierarchy Level
	Assets Measured at Fair Value		Level 1		Level 2		Level 3
	(In Thousands)
At December 31, 2016:
Debt securities:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	14,313	$	14,313	$	—	$	—
Debt securities issued by states of the U.S. and political subdivisions of the states	3,444		—		3,444		—
Corporate securities	76,348		—		73,230		3,118
Residential mortgage-backed securities	14,355		—		14,355		—
Commercial mortgage-backed securities	211		—		211		—
Asset-backed securities	9,001		—		9,001		—
Equity securities:
Common equity	390,521		390,521		—		—
Mutual funds	157,469		157,469		—		—
Preferred stock	3,769		—		3,769		—
Other invested assets:
Private equity and fixed income funds	205,831		—		148,807		57,024
Surplus notes	5,013		—		5,013		—
Real estate	14,928		—		—		14,928
Other assets	98,906		95,578		1,615		1,713
Total plan assets	$	994,109	$	657,881	$	259,445	$	76,783

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014



	Assets Measured at Fair Value		Fair Value Hierarchy Level
	Assets Measured at Fair Value		Level 1		Level 2		Level 3
	(In Thousands)
At December 31, 2015:
Debt securities:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	12,355	$	12,355	$	—	$	—
Debt securities issued by states of the U.S. and political subdivisions of the states	3,399		—		3,399		—
Corporate securities	74,565		—		71,323		3,242
Residential mortgage-backed securities	19,813		—		19,813		—
Commercial mortgage-backed securities	805		—		805		—
Asset-backed securities	10,798		—		10,798		—
Equity securities:
Common equity	337,446		337,446		—		—
Mutual funds	179,976		179,976		—		—
Preferred stock	3,872		—		3,872		—
Other invested assets:
Private equity and fixed income funds	188,595		—		135,408		53,187
Surplus notes	4,826		—		4,826		—
Real estate	12,991		—		—		12,991
Other assets	133,288		129,194		2,281		1,813
Total plan assets	$	982,729	$	658,971	$	252,525	$	71,233

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The reconciliation for all plan assets measured at fair value using significant unobservable inputs (Level 3) for the year ended December 31, 2016, is as follows:



	Beginning Assets as of		Actual Return Gains (Losses) on Plan Assets					Purchases, Sales, Issuances and Settlements			Transfers Into Level 3		Transfers Out of Level 3		Ending Assets as of
	Beginning Assets as of		Relating to Assets Still Held at the Reporting Date			Relating to Assets Sold During the Period									Ending Assets as of
	January 1, 2016		Relating to Assets Still Held at the Reporting Date			Relating to Assets Sold During the Period									December 31, 2016
	(In Thousands)

Corporate securities	$	3,242	$	(81	)	$	—	$	(43	)	$	—	$	—	$	3,118
Other invested assets:
Private equity and fixed income funds	53,187		2,419			—		1,418			—		—		57,024
Real estate	12,991		1,937			—		—			—		—		14,928
Other assets	1,813		—			—		(100		)	—		—		1,713
Total	$	71,233	$	4,275		$	—	$	1,275		$	—	$	—	$	76,783

The gross purchases, issuances, sales and settlements included in the reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2016, is as follows:



	Purchases		Issuances		Sales		Settlements			Net Purchases, Issuances, Sales and Settlements
	(In Thousands)

Corporate securities	$	—	$	—	$	—	$	(43	)	$	(43	)
Other invested assets:
Private equity and fixed income funds	9,030		—		—		(7,612		)	1,418
Real estate	—		—		—		—			—
Other assets	—		—		—		(100		)	(100		)
Total	$	9,030	$	—	$	—	$	(7,755	)	$	1,275

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The reconciliation for all plan assets measured at fair value using significant unobservable inputs (Level 3) for the year ended December 31, 2015, is as follows:



	Beginning Assets as of January 1, 2015		Actual Return Gains (Losses) on Plan Assets					Purchases, Sales, Issuances and Settlements			Transfers Into Level 3		Transfers Out of Level 3		Ending Assets as of December 31, 2015
	Beginning Assets as of January 1, 2015		Relating to Assets Still Held at the Reporting Date			Relating to Assets Sold During the Period		Purchases, Sales, Issuances and Settlements			Transfers Into Level 3		Transfers Out of Level 3		Ending Assets as of December 31, 2015
	(In Thousands)
Corporate securities	$	3,318	$	(35	)	$	—	$	(41	)	$	—	$	—	$	3,242
Other invested assets:
Private equity and fixed income funds	51,382		5,363			—		(3,558		)	—		—		53,187
Real estate	17,114		291			—		(4,414		)	—		—		12,991
Other assets	3,078		—			—		(1,265		)	—		—		1,813
Total	$	74,892	$	5,619		$	—	$	(9,278	)	$	—	$	—	$	71,233



	Purchases		Issuances		Sales		Settlements			Net Purchases, Issuances, Sales and Settlements
	(In Thousands)

Corporate securities	$	—	$	—	$	—	$	(41	)	$	(41	)
Asset-backed securities	—		—		—		—			—
Other invested assets:
Private equity and fixed income funds	5,498		—		—		(9,056		)	(3,558		)
Real estate	2,480		—		—		(6,894		)	(4,414		)
Other assets	—		—		—		(1,265		)	(1,265		)
Total	$	7,978	$	—	$	—	$	(17,256	)	$	(9,278	)

For measurement purposes of the postretirement benefit obligation at December 31, 2016, a 5.50 percent annual rate of increase in the per capita cost of covered health care benefits is assumed for 2017. The rate was assumed to decrease gradually to 4.75 percent for 2023 and remain at that level thereafter.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

Increasing or decreasing the assumed health care cost trend rate assumption by one percentage point in each year would increase (decrease) the postretirement benefit obligation as of December 31, 2016, by $22.1 million and $(18.4) million, respectively, and the estimated interest cost components of net period postretirement benefit cost for 2016 by $1.0 million and $(0.8) million, respectively.

At December 31, 2016, the assets of the Company’s pension include approximately $68.7 million invested in the Touchstone Family of Funds, which are administered by the Company, $185.6 million invested in private equity and fixed income funds managed by Fort Washington Investment Advisors, Inc., and a $1.7 million investment in a group annuity contract issued by Lafayette Life. At December 31, 2015, the assets of the Company’s pension include approximately $69.9 million invested in the Touchstone Family of Funds, which are administered by the Company, $172.0 million invested in private equity and fixed income funds managed by Fort Washington Investment Advisors, Inc., and a $1.8 million investment in a group annuity contract issued by Lafayette Life.

As of December 31, 2016, future benefit payments for the pension plan are expected as follows (in millions):



2017	$	54.1
2018	54.5
2019	54.9
2020	55.6
2021	56.5
Five years thereafter	296.6

Future benefit payments for the postretirement medical plan, net of amounts contributed by plan participants, are expected as follows (in millions):



2017	$	11.0
2018	10.7
2019	10.7
2020	10.8
2021	10.9
Five years thereafter	52.0

The Company contributed $7.0 million to the pension plan in 2016. The Company does not anticipate a required contribution to the pension plan during 2017.

The Company made contributions to the postretirement medical plan of $11.0 million in 2016 and expects to contribute $106.1 million between 2017 and 2025, inclusive. The Company received $0.0 million of subsidies in 2016. The Company’s postretirement medical plan did not collect the Medicare Part D Subsidy for claims activity occurring after January 1, 2013.

The Western and Southern Life Insurance Company

Notes to Financial Statements (Statutory-Basis)

December 31, 2016, 2015 and 2014

The Company sponsors a contributory employee retirement savings plan covering substantially all eligible, full-time employees. This plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). The Company’s contributions to the plan are based on a combination of the employee’s contributions to the plan and a percentage of the employee’s earnings for the year. The total of the Company’s contributions to the defined contribution plan were $4.8 million, $4.2 million, and $5.9 million for 2016, 2015 and 2014, respectively.

11. Premium and Annuity Considerations Deferred and Uncollected

Deferred and uncollected life insurance premiums and annuity considerations at December 31, 2016, were as follows:



	Gross		Net of Loading
	(In Thousands)
Ordinary new business	$	6,561	$	469
Ordinary renewal	73,711		50,937
Accident and health renewal	466		356
Assumed investment type-contracts	526		526
Total	$	81,264	$	52,288

Financial Statement Schedules (Statutory-Basis)



The Western and Southern Life Insurance Company

Summary of Investments – Other Than Investments in Related Parties
(Statutory-Basis)

December 31, 2016
(In Thousands)

Schedule I
					Amount at Which
			Market		Shown in the
Type of Investment	Cost (1)		Value		Balance Sheet

Debt securities
Bonds:
United States government and
government agencies and authorities	$	73,428	$	75,915	$	73,428
States, municipalities and political
subdivisions	265,001		277,980		265,001
Foreign governments	33,389		35,611		33,389
All other corporate bonds	3,060,428		3,371,336		3,060,428
Preferred stocks	36,168		40,665		36,168
Total fixed maturities	3,468,414		3,801,507		3,468,414

Equity securities
Common stocks:
Industrial, miscellaneous and all other	998,436		1,289,615		1,289,615

Mortgage loans on real estate	57,655				57,655
Real estate	29,104				29,104
Policy loans	167,005				167,005
Other long-term investments	318,394				318,394
Cash, cash equivalents and short-term
investments	166,287				166,287
Total investments	$	5,205,295			$	5,496,474

(1) Original cost of equity securities and, as to fixed maturities, original cost reduced by repayments and adjusted for amortization of premiums or accrual discounts.



The Western and Southern Life Insurance Company

Supplementary Insurance Information (Statutory-Basis)

(In Thousands)

Schedule III
											Benefits,
	Future										Claims
	Policy				Policy and				Net		Losses and		Other
	Benefits and		Unearned		Contract		Premium		Investment		Settlement		Operating		Premiums
	Expenses		Premiums		Liabilities		Revenue		Income*		Expenses		Expenses*		Written

Year ended December 31, 2016
Individual life	$	2,554,579	$	—	$	32,455	$	226,814	$	169,578	$	230,257	$	78,096
Individual health	253,076		1,932		3,095		21,340		14,425		21,692		13,894		$	21,308
Group life and health	92,408		—		521		4,190		4,840		9,805		344		—
Annuity	7,257		—		12,190		1,422		382		137,776		1,114
Corporate and other	—		—		—		—		132,940		—		45,547
	$	2,907,320	$	1,932	$	48,261	$	253,766	$	322,165	$	399,530	$	138,995


Year ended December 31, 2015
Individual life	$	2,520,391	$	—	$	46,560	$	228,465	$	172,600	$	241,512	$	76,877
Individual health	244,891		2,125		3,138		22,248		14,191		22,545		14,523		$	22,250
Group life and health	91,003		—		105		3,571		2,845		7,069		250		—
Annuity	7,702		—		12,427		1,913		673		128,884		980
Corporate and other	—		—		—		—		355,014		—		47,787
	$	2,863,987	$	2,125	$	62,230	$	256,197	$	545,323	$	400,010	$	140,417


Year ended December 31, 2014
Individual life	$	2,544,368	$	—	$	52,446	$	232,956	$	167,152	$	221,931	$	75,295
Individual health	228,318		2,190		3,508		23,884		13,436		22,691		16,171		$	23,894
Group life and health	90,471		—		351		4,740		2,485		7,571		634		—
Annuity	8,061		—		10,484		1,720		471		119,900		844
Corporate and other	—		—		—		—		502,017		—		41,266
	$	2,871,218	$	2,190	$	66,789	$	263,300	$	685,561	$	372,093	$	134,210

*Allocations of net investment income and other operating expenses are based on a number of assumptions and estimates, and the results would change if different methods were applied.



The Western and Southern Life Insurance Company

Reinsurance (Statutory-Basis)

(In Thousands)

Schedule IV
									Percentage
			Ceded to		Assumed				of Amount
	Gross		Other		From Other		Net		Assumed
	Amount		Companies		Companies		Amount		to Net
Year ended December 31, 2016
Life insurance in force	$	15,167,224	$	2,087,962	$	284,222	$	13,363,484	2	%
Premiums:
Individual life	$	227,379	$	1,716	$	1,151	$	226,814	1	%
Individual health	26,121		4,780		—		21,341		—
Group life and health	4,190		—		—		4,190		—
Annuity	24		—		1,397		1,421		98	%
	$	257,714	$	6,496	$	2,548	$	253,766	1	%

Year ended December 31, 2015
Life insurance in force	$	15,321,486	$	1,886,727	$	299,845	$	13,734,604	2	%
Premiums:
Individual life	$	228,636	$	1,373	$	1,202	$	228,465	1	%
Individual health	27,024		4,777		—		22,247		—
Group life and health	3,571		—		—		3,571		—
Annuity	39		—		1,875		1,914		98	%
	$	259,270	$	6,150	$	3,077	$	256,197	1	%

Year ended December 31, 2014
Life insurance in force	$	15,615,319	$	1,968,933	$	402,590	$	14,048,976	3	%
Premiums:
Individual life	$	233,127	$	1,466	$	1,295	$	232,956	1	%
Individual health	28,016		4,132		—		23,884		—
Group life and health	4,740		—		—		4,740		—
Annuity	30		—		1,690		1,720		98	%
	$	265,913	$	5,598	$	2,985	$	263,300	1	%


Integrity VAROOM	April 2017

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:

Separate Account I of Integrity Life Insurance Company:

Report of Independent Registered Public Accounting Firm

Statements of Assets and Liabilities as of December 31, 2016

Statements of Operations for the Year Ended December 31, 2016

Statements of Changes in Net Assets for the Years Ended December 31, 2016 and 2015

Notes to Financial Statements

Integrity Life Insurance Company (Depositor):

Report of Independent Auditors

Balance Sheets (Statutory-Basis) as of December 31, 2016 and 2015

Statements of Operations (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Statements of Changes in Capital and Surplus (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Statements of Cash Flow (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Notes to Financial Statements (Statutory-Basis)

The Western and Southern Life Insurance Company (Guarantor):

Report of Independent Auditors

Balance Sheets (Statutory-Basis) as of December 31, 2016 and 2015

Statements of Operations (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Statements of Changes in Capital and Surplus (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Statements of Cash Flow (Statutory-Basis) for the Years Ended December 31, 2016, 2015 and 2014

Notes to Financial Statements (Statutory-Basis)

(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 I, the Registrant. Incorporated by reference to Exhibit 99.1 to Registrant's Post-Effective Amendment No. 15 to registration statement on Form N-4 (File No. 333-44876), filed November 7, 2008.


2.	Not Applicable


3.


a.	Form of Selling/General Agent Agreement among Integrity, Touchstone Securities, Inc. and broker dealers. Incorporated by reference to Exhibit 99.3(A) to Registrant’s initial registration statement on Form N-4 (File No. 333-178438), filed December 12, 2011.


b.	Form of Selling Agreement among W&S Financial Group Distributors, Inc., on behalf of National Integrity, Touchstone Securities, Inc., and broker dealers. Incorporated by reference to Exhibit 99.3(B) to Registrant’s Post-Effective Amendment No. 4 to registration statement on Form N-4 (File No. 333-177616), filed April 25, 2014.


c.	Variable Contract Principal Underwriter Agreement with Touchstone Securities, Inc. dated January 1, 2006. Incorporated by reference to Exhibit 99.3(B) to Registrant’s initial registration statement on Form N-4 (File No. 333-178438), filed December 12, 2011.


4.


a.	Form of owner driven variable annuity contract. Incorporated by reference to Exhibit 99.4(A) to Registrant’s Post-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-178438), filed April 25, 2012.


Integrity VAROOM	April 2017


b.	Form of death benefit rider. Incorporated by reference to Exhibit 99.4(B) to Registrant’s Pre-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-166995), filed August 9, 2010.


c.	Form of endorsement to guaranteed lifetime withdrawal benefit rider effective May 1, 2014. Incorporated by reference to Exhibit 99.4(C) to Registrant’s Post-Effective Amendment No. 4 to registration statement on Form N-4 (File No. 333-178438), filed April 28, 2015.


d.	Form of Individual Guaranteed Lifetime Withdrawal Benefit Rider. Incorporated by reference to Exhibit 99.4(C) to Registrant’s Post-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-178438), filed April 25, 2012.


e.	Form of Spousal Guaranteed Lifetime Withdrawal Benefit Rider. Incorporated by reference to Exhibit 99.4(D) to Registrant’s Post-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-178438), filed April 25, 2012.


f.	Form of traditional and SEP IRA Endorsement. Incorporated by reference to Exhibit 99.4(E) to Registrant’s Pre-Effective Amendment No. 3 to registration statement on Form N-4 (File No. 333-166995), filed December 10, 2010.


5.	Form of Application for Owner Driven Contract. Incorporated by reference to Exhibit 99.5 to Registrant’s Pre-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-166995), filed August 9, 2010.


6.


a.	Certificate of Incorporation of Integrity. Incorporated by reference to Exhibit 99.6(A) to Registrant’s initial registration statement on Form N-4 (File No. 333-178438), filed December 12, 2011.


b.	By-Laws of Integrity. Incorporated by reference to Exhibit 99.6(B) to Registrant’s initial registration statement on Form N-4 (File No. 333-178438), filed December 12, 2011.


7.	Not applicable.


8.


a.	Amended and Restated Participation Agreement among Variable Insurance Products Funds, Fidelity Distributors Corporation and Integrity dated August 10, 2007. Incorporated by reference to Exhibit 99.8(A) to Registrant's Post-Effective Amendment No. 14 to registration statement on Form N-4 (File No. 333-44876), filed April 23, 2008.


b.	Amendment No. 1 to Amended and Restated Participation Agreement among Variable Insurance Products Funds, Fidelity Distributors Corporation and Integrity dated August 10, 2007. Incorporated by reference to Exhibit 99.8(B) to Registrant's Post-Effective Amendment No. 14 to registration statement on Form N-4 (File No. 333-44876), filed April 23, 2008.


c.	Rule 22c-2 Agreement between Fidelity Distributors Corporation and Integrity dated March 26, 2007. Incorporated by reference to Exhibit 99.8(D) to Registrant's Post-Effective Amendment No. 14 to registration statement on Form N-4 (File No. 333-44876), filed April 23, 2008.


d.	Voting Agreement between Integrity and The Vanguard Group, Inc. effective December 1, 2010. Incorporated by reference to Exhibit 99.8(C) to Registrant’s Post-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-166995), filed April 27, 2011.


e.	Voting Agreement between Integrity and BlackRock, Inc. effective December 1, 2010. Incorporated by reference to Exhibit 99.8(D) to Registrant’s Post-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-166995), filed April 27, 2011.


f.	Access Agreement between Integrity and Mid Atlantic Trust Company effective November 1, 2010. Incorporated by reference to Exhibit 99.8(E) to Registrant’s Pre-Effective Amendment No. 3 to registration statement on Form N-4 (File No. 333-166995), filed December 10, 2010.


g.	ETF xChange Authorization between Integrity and Mid Atlantic Trust Company effective November 1, 2010. Incorporated by reference to Exhibit 99.8(F) to Registrant’s Pre-Effective Amendment No. 3 to registration statement on Form N-4 (File No. 333-166995), filed December 10, 2010.


h.	Amendment 2 to Access Agreement and ETFxChange Authorization between Integrity and Mid Atlantic Trust Company effective February 2, 2015. Incorporated by reference to Exhibit 99.8(H) to Registrant’s Post-Effective Amendment No. 4 to registration statement on Form N-4 (File No. 333-178438), filed April 28, 2015.


i.	Custodial Agreement between Integrity and Mid Atlantic Trust Company effective November 1, 2010. Incorporated by reference to Exhibit 99.8(G) to Registrant’s Pre-Effective Amendment No. 3 to registration statement on Form N-4 (File No. 333-166995), filed December 10, 2010.


9.	Opinion and Consent of Rhonda S. Malone, Esq. as to the legality of the securities registered, filed herewith.


10.


a.	Consent of Independent Registered Public Accounting Firm, filed herewith.


b.	Consent of Independent Auditors, filed herewith.


11.	Not applicable.


12.	Not applicable.


Integrity VAROOM	April 2017

13.

Powers of Attorney of each member of the Board of Directors of The Western and Southern Life Insurance Company (WSLIC), specifically John F. Barrett, James N. Clark, Jo Ann Davidson, George H. Walker, III, and Thomas L. Williams, each dated December 20, 2011. Incorporated by reference to Exhibit 99.13 to Registrant’s Pre-Effective Amendment No. 1 to registration statement on Form N-4 (File No. 333-178438), filed December 28, 2011.


14.	Guarantee from WSLIC to the policyholders of Integrity. Incorporated by reference to Exhibit 99.14 to Registrant’s initial registration statement on Form N-4 (File No. 333-178438), filed December 12, 2011.


15.	Cover letter, filed herewith.

Item 25. Directors and Officers of the Depositor

The names and principal business addresses* of the directors and officers of, and their positions with the Depositor, are as follows:

Directors:


John F. Barrett	Director, Chairman of the Board


Edward J. Babbitt	Director, Secretary


Jill T. McGruder	Director, President and Chief Executive Officer


Jonathan D. Niemeyer	Director


Donald J. Wuebbling	Director

Officers:


John F. Barrett	Director, Chairman of the Board


Jill T. McGruder	Director, President and Chief Executive Officer


Edward J. Babbitt	Director, Secretary


Roger M. Lanham	Senior Vice President and Co-Chief Investment Officer


Brendan M. White	Senior Vice President and Co-Chief Investment Officer


Karen A. Chamberlain	Senior Vice President and Chief Information Officer


Kevin L. Howard	Senior Vice President and General Counsel


Daniel W. Harris	Senior Vice President and Chief Actuary


Mark E. Caner	Senior Vice President


Daniel J. Downing	Senior Vice President


Lisa B. Fangman	Senior Vice President


D. Todd Henderson	Senior Vice President and Chief Risk Officer


Bradley J. Hunkler	Senior Vice President and Chief Financial Officer


James J. Vance	Senior Vice President and Treasurer


Wade M. Fugate	Vice President and Controller


Bruce W. Maisel	Vice President and Chief Compliance Officer


Terrie A. Wiedenheft	Vice President


Phillip E. King	Vice President and Auditor


Paul M. Kruth	Vice President


Daniel R. Larsen	Vice President


Denise L. Sparks	Vice President


Barbara A. Edwards	Assistant Vice President


Robert F. Noschang	Assistant Vice President


Brian A. Eichhold	Assistant Vice President


Donald P. Myers	Assistant Vice President


Ryan K. Richey	Assistant Vice President


Andrew P. Shull	Assistant Vice President


Jacob C. Steuber	Assistant Vice President


James R. Murray	Assistant Vice President


Aaron J. Wolf	Assistant Vice President and Chief Underwriter


Jay V. Johnson	Assistant Vice President and Assistant Treasurer


John S. Musgrove	Assistant Vice President and Assistant Treasurer


Cheryl J. Stotts	Assistant Vice President and Assistant Treasurer


Kathleen A. Cornelius	Assistant Treasurer


Timothy D. Speed	Assistant Treasurer


Rebecca L. Deppen	Manager, Annuity New Business


Sharon A. Cummings	Licensing Officer


Brenda L. Elliott	Manager, Licensing


Integrity VAROOM	April 2017

*The principal business address for the above is 400 Broadway, Cincinnati, Ohio 45202.


Item 26.	Persons Controlled by or Under Common Control with Integrity or Registrant



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
1373 Lexington Road Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
2758 South Main SPE, LLC	OH	LLC	100% by WSLIC	owns/operates real estate
309 Holding LLC	DE	LLC	97% by Eagle Real Estate Holdings, LLC; 1% by ERI	owns real estate entities
506 Phelps Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
82 Flats, LLC	IN	LLC	64% by Flats Apartments Investor Holdings, LLC; 1% by ERI	owns real estate
Airport Exchange Hotel Partners	KY	GP	74% by WS Airport Exchange GP, LLC; 1% by ERI	owns/operates real estate
Alta Stony Point, LLC	DE	LLC	49% by Stony Investor Holding, LLC; 1% by ERI	owns/operates real estate
Apex Housing Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Apex Louisville, LLC	KY	LLC	64% by Apex Housing Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Ascent Plainfield, LLC	IN	LLC	64% by Stout Metro Housing Holding, LLC; 1% by ERI	owns real estate entities
Autumn Village Apartments, LLC	GA	LLC	100% by Country Place Associates	owns real estate entities
Axis JV, LLC	KY	LLC	64% by 1373 Lexington Road Investor Holding, LLC; 1% by ERI	owns/operates real estate
Axis Louisville, LLC	KY	LLC	100% by Axis JV, LLC	owns/operates real estate
Axis Perimeter Center GP, LLC	OH	LLC	100% by ERI	owns real estate entities
Baton Rouge Cottages Investor, LLC	OH	LLC	100% by Baton Rouge Housing Holdings, LLC	owns real estate entities
Baton Rouge Housing Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
Belle Haven Apts, LLC	DE	LLC	100% by Fore Eagle JV, LLC	owns real estate
Belle Housing Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC: 2% by ERI	owns real estate entities
Brickyard Apartments, LLC	DE	LLC	54% by BY Apartment Investor Holdings, LLC	owns/operates real estate
Brickyard Investments, LLC	DE	LLC	100% by Brickyard Apartments, LLC	owns/operates real estate
Buckeye Venture Partners, LLC	OH	LLC	60% by FWIA; 40% by Peppertree Partners, LLC	manages private equity fund
BVP NEO, LLC	OH	LLC	100% by FWIA	manages private equity fund
BY Apartment Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Canal Senate Apartments, LLC	IN	LLC	100% by WSLIC	owns/operates real estate
Carmel Holdings, LLC	OH	LLC	49% by W&S Real Estate Holdings, LLC; 1% by ERI	owns real estate entity
Carmel Hotel Investor, LLC	OH	LLC	100% by Carmel Holdings, LLC	owns real estate entity
Carmel Hotel, LLC	IN	LLC	74% by Carmel Hotel Investor, LLC; 1% by ERI	owns/operates real estate
Carthage Senior Housing, Ltd.	OH	LLC	98% by W&S Real Estate Holdings, LLC; 1% by ERI	owns/operates real estate
CCA CBD Cincinnati LLC	OH	LLC	100% by 309 Holding, LLC	owns/operates real estate
CDC-Baton Rouge, LLC	AL	LLC	59% by Baton Rouge Cottages Investor, LLC	owns real estate entities
Centreport Hotels LLC	TX	LLC	75% by ERI	owns/operates real estate


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
Centreport Partners LP	TX	LP	25.25% by WSLIC; 49% by WSLR Dallas LLC; 1% by ERI	owns/operates real estate
Cincinnati Analysts, Inc.	DE	Corp	100% by CLIC	broker-dealer/ investment advisor
Cinnaire Fund for Housing Limited Partnership 31	MI	LP	16.7% limited partnership by CLIC	owns real estate entities
Cleo Residences, LLC	DE	LLC	49% by Gallatin Eastland Investor Holdings, LLC; 1% by ERG	owns/operates real estate
Cleveland East Hotel, LLC	OH	LLC	74% by WSALD CEH, LLC; 1% by ERI	owns/operates real estate
Columbus Life Insurance Company (CLIC)	OH	Corp	100% by WSLIC	insurance company
Concorde Circle Apartments, LLC	DE	LLC	49% by Linthicum Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Country Place Associates	OH	GP	90% by WS Country Place GP, LLC; 10% by ERI	owns/operates real estate
Countryside-Alexander Investments, LLC	FL	LLC	69% by Golf Countryside Investor Holding, LLC; 1% by ERI	owns/operates real estate
Cove Housing Investor Holding, LLC	OH	LLC	49% by Cove Housing Investor Holdings, LLC; 1% by ERI	owns real estate entities
Crabtree Apartments, LLC	TX	LLC	59% by Crabtree Commons Apts Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Crabtree Commons Apts Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
Cranberry NP Hotel Company, LLC	PA	LLC	74% by NP Cranberry Hotel Investor LLC; 1% by ERI	owns/operates real estate
Crossings Apartments Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
Curve Luxury Apartments Investors, LLC	DE	LLC	59% by MC Investor Holdings, LLC; 1% by ERI	owns real estate entities
Curve Luxury Apartments, LLC	AZ	LLC	100% owned by Curve Luxury Apartments Investors, LLC	owns/operates real estate
Countryside-Alexander Investments, LLC	FL	LLC	69% by Golf Countryside Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Cove Housing Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Dallas City Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
Day Hill Road Land LLC	CT	LLC	74% by W&S Real Estate Holdings, LLC; 1% by ERI	owns real estate entities
Daybreak Parkway Fee Owner, LLC	DE	LLC	100% by Daybreak Parkway Land Partners, LLC	owns/operates real estate
Daybreak Parkway Land Partners, LLC	DE	LLC	64% by Crossings Apartments Holdings, LLC; 1% by ERI	owns real estate entities
Delco Lofts, LLC	OH	LLC	99% by Patterson at First Investor Holdings, LLC	owns/operates real estate
Domain at Dunvale, LLC	TX	LLC	49% by Dunvale Investor Holdings, LLC; 1% by ERG	owns/operates real estate
Dublin Hotel LLC	OH	LLC	25% by WSLIC; 49% by WSLR Columbus LLC; 1% by ERI	owns/operates real estate
Dunvale Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Dwell at Legacy, LLC	TX	LLC	50% by Sonterra Legacy Investor Holdings, LLC	owns/operates real estate
Eagle Realty Capital Partners, LLC	OH	LLC	100% by ERG	investment adviser
Eagle Realty Group, LLC (ERG)	OH	LLC	100% by Western & Southern Investment Holdings, LLC	real estate holding company
Eagle Realty Investments, Inc. (ERI)	OH	Corp	100% by ERG	real estate


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
East Denver Investor Holdings, LLC	OH	LLC	76.0946% by W&S Real Estate Holdings, LLC; 1.5529% by ERI	owns real estate entities
Elan Dallas City Lights GP, LLC	DE	LLC	100% by Elan Dallas City Lights, LLC	owns real estate entities
Elan Dallas City Lights Owner, LP	DE	LP	99% by Elan Dallas City Lights Limited Partner, LP; 1% by Elan Dallas City Lights GP, LLC	owns/operates real estate
Elan Dallas City Lights Limited Partner, LP	DE	LP	100% by Elan Dallas City Lights, LLC	owns/operates real estate
Elan Dallas City Lights, LLC	DE	LLC	59% by Dallas City Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Elan Galleria Investment, LLC	OH	LLC	100% by Galleria Investor Holdings, LLC	owns real estate entities
Elan Kennedy Flats, LLC	DE	LLC	59% by One Kennedy Housing Investor Holdings, LLC; 1% by ERI	owns/operates real estate
FDC Siena JV, LLC	DE	LLC	69% by Siena Investor Holdings, LLC; 1% by ERI	owns real estate
Flats Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Flats Crossing Investment, LLC	OH	LLC	100% by Flats Apartments Investor Holdings, LLC	owns real estate entities
Fore Eagle JV, LLC	DE	LLC	Owned 69% by Belle Housing Investor Holdings, LLC; 1% by ERI	owns real estate
Fort Washington Capital Partners, LLC (FWCP)	DE	LLC	100% by FWIA	managing partner for private equity funds
Fort Washington Emerging Market Debt LLC	DE	LLC	Managing Member is Fort Washington Fixed Income LLC	fixed income
Fort Washington Fixed Income LLC	DE	LLC	100% by FWIA	private fixed income fund
Fort Washington Full Discretion Fixed Income LLC	DE	LLC	Managing Member Fort Washington Fixed Income LLC; investors include WSLIC	managing member for private fixed income fund
Fort Washington Global Alpha Domestic Fund LP	DE	LP	GP is Fort Washington Global Alpha GP LLC; WSFG is sole limited partner	hedge fund
Fort Washington Global Alpha GP LLC	DE	LLC	100% by FWIA	GP of hedge fund
Fort Washington Global Alpha Master Fund LP	Cay- men Isles	LP	GP is Fort Washington Global Alpha GP LLC; Fort Washington Global Alpha Domestic Fund LP is limited partner	hedge fund
Fort Washington Global Alpha SLP LLC	DE	LLC	50% by FWIA	special limited partner of hedge fund
Fort Washington High Yield Investors II, LLC	DE	LLC	managing member is FWCP	private fixed income fund
Fort Washington High Yield Investors LLC	DE	LLC	managing member is FWCP	private fixed income fund
Fort Washington Investment Advisors, Inc. (FWIA)	OH	Corp	100% by Western & Southern Investment Holdings, LLC	registered investment adviser
Fort Washington Private Equity Investors II, L.P.	DE	LP	GP is FWCP; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors III, L.P.	DE	LP	GP is FWCP; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors IV, L.P.	DE	LP	GP is FWCP; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors IX, L.P.	DE	LP	GP is FWPEI IX GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors IX-B, L.P.	DE	LP	GP is FWPEI IX GP, LLC; WSLIC is the sole limited partner	private equity fund
Fort Washington Private Equity Investors IX-K, L.P.	DE	LP	GP is FWPEI IX GP, LLC	private equity fund
Fort Washington Private Equity Investors V, L.P.	DE	LP	GP is FWPEI V GP, LLC; investors include WSLIC	private equity fund


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
Fort Washington Private Equity Investors V-B, L.P.	DE	LP	GP is FWPEI V GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors VI, L.P.	DE	LP	GP is FWPEI VI GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors VII, L.P.	DE	LP	GP is FWPEI VII GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors VIII, L.P.	DE	LP	GP is FWPEI VIII GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Investors VIII-B, L.P.	DE	LP	GP is FWPEI VIII GP, LLC; WSLIC is the sole limited partner	private equity fund
Fort Washington Private Equity Investors V-VC, L.P.	DE	LP	GP is FWPEI V GP, LLC; investors include WSLIC	private equity fund
Fort Washington Private Equity Opportunities Fund II, L.P.	DE	LP	GP is FWPEO II GP, LLC; WSLIC is an investor	private equity fund
Fort Washington Private Equity Opportunities Fund III, L.P.	DE	LP	GP is FWPEO III GP, LLC; WSLIC is an investor	private equity fund
Fort Washington Private Equity Opportunities Fund III-B, L.P.	DE	LP	GP is FWPEO III GP, LLC; WSLIC is the sole limited partner	private equity fund
Frontage Lodging Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
FWPEI IX GP, LLC	DE	LLC	100% by FWIA	general partner of Fund IX
FWPEI V GP, LLC	DE	LLC	100% by FWIA	general partner of the three private equity funds
FWPEI VI GP, LLC	DE	LLC	100% by FWIA	general partner of Fund VI
FWPEI VII GP, LLC	DE	LLC	100% by FWIA	general partner of Fund VII
FWPEI VIII GP, LLC	DE	LLC	100% by FWIA	general partner of Fund VIII
FWPEO II GP, LLC	DE	LLC	100% by FWIA	manages private equity fund
FWPEO III GP, LLC	DE	LLC	100% by FWIA	manages private equity fund
Gallatin Eastland Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Galleria Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Galveston Summerbrooke Apts., LLC	TX	LLC	54% by Summerbrooke Apartments Investor, LLC; 1% by ERI	owns/operates real estate
Golf Countryside Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Golf Sabal Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Great Lakes Capital Fund for Housing LP 30	MI	LP	13.5% LP interest by LLIC	owns real estate entities
Greenwood Reserve Apartments, LLC	KS	LLC	64% by Olathe Apartments Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Grelot Cody Apartments, LLC	OH	LLC	100% by Vinings Trace, LLC	owns real estate entities
GS Beach Club, LLC	DE	LLC	76.5% by Winkler Extension Apartments Investor, LLC	owns real estate entities
GS Multifamily Dallas Galleria, LLC	DE	LLC	59% by Galleria Investor Holdings, LLC; 1% by ERI	owns real estate
GS Yorktown Apartments, LP	DE	LP	59% by YT Crossing Apartments Investor, LLC; 1% by ERI	owns real estate entities
IFS Financial Services, Inc. (IFS)	OH	Corp	100% by Western-Southern Life Assurance Company	owns operating entities


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
Insurance Profillment Solutions, LLC	OH	LLC	100% by WSLIC	insurance marketing
Integrity Life Insurance Company (ILIC)	OH	Corp	100% by WSLIC	insurance company
IR Mall Associates, Ltd.	FL	LP	49.50% by WSLIC	owns/operates real estate
IR Mall Company, L.C.	FL	LLC	50% by ERI	owns/operates real estate
Jacksonville Salisbury Apartment Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI
JLB Southpark Apartments LLC	DE	LLC	49% by SP Charlotte Apts Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Kissimmee Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
LaCenterra Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
LaCenterra Apartments, LLC	TX	LLC	59% LaCenterra Apartments Investor Holdings, LLC; 1% ERI	owns/operates real estate
LaFrontera Hotel LLC	TX	LLC	75% by ERI	owns/operates real estate
LaFrontera Lodging Partners LP	OH	LP	74.25% by W&S Real Estate Holdings, LLC	owns/operates real estate
LeRoy Glen Investment, LLC	OH	LLC	100% by WSLIC	owns real estate
Linthicum Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
LLIA, Inc.	OH	Corp	100% by The Lafayette Life Insurance Company	insurance agency
Lookout Corporate Center	KY	JVGP	50% by WS Lookout GP, LLC	owns/operates real estate
Lugano Apartments, LLC	DE	LLC	59% by WS; 1% by ERG	owns/operates real estate
Lytle Park Inn, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
Main Hospitality Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
Mallard Sherburn Apartments, LLC	OH	LLC	100% by WSLIC	owns real estate entities
MC Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Midtown Park Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Miller Creek Associates, LLC	DE	LLC	59% by Miller Creek Investor Holdings, LLC	owns real estate
Miller Creek Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Miller Creek Residences, LLC	DE	LLC	100% by Miller Creek Associates, LLC	owns real estate
MP Dallas Development Holdings, LLC	DE	LLC	49% by Midtown Park Investor Holdings, LLC; 1% by ERG	owns real estate entities
MP Dallas Project Owner, LLC	DE	LLC	100% by MP Dallas Development Holdings, LLC	owns/operates real estate
National Integrity Life Insurance Company	NY	Corp	100% by ILIC	insurance company
NE Emerson Edgewood, LLC	IN	LLC	60% by LLIC	owns real estate entities
NEO Capital Fund, LP	DE	LP	General Partner is BVP NEO, LLC	private equity fund
North Braeswood Meritage Holdings, LLC	OH	LLC	100% by WSLAC	owns real estate entities
North Broad Callowhill Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
North Pittsburgh Hotel LLC	PA	LLC	74% by WSALD NPH, LLC; 1% by ERI	owns/operates real estate
Northeast Cincinnati Hotel LLC	OH	LLC	25% by WSLIC; 49% by WSLR Cincinnati LLC; 1% by ERI	owns/operates real estate
NP Cranberry Hotel Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
NP Cranberry Hotel Investor, LLC	OH	LLC	100% by NP Cranberry Hotel Holdings, LLC	owns/operates real estate
Olathe Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
One Kennedy Housing Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
OTR Housing Associates, L.P.	OH	LP	98% by WSLIC; 1% by ERI	owns/operates real estate
OTR Redevelopment Group, LLC	OH	LLC	100% by OTR Walnut Housing, Ltd.	owns real estate
OTR Transitional Housing, L.P.	OH	LP	99% by WSLIC	owns/operates real estate
OTR-Walnut Housing, Ltd.	OH	LLC	100% by ERI	owns/operates real estate
Overland Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Park Avenue Lofts, LLC	CO	LLC	49% by Uptown Denver Investor, LLC; 1% by ERI	owns/operates real estate
Parkside Residences, LLC	DE	LLC	54% by Railroad Parkside Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Patterson at First Investor Holdings, LLC	OH	LLC	100% by ILIC	owns real estate entities
Peppertree Fund II, LP	DE	LP	General Partner is Peppertree Partners, LLC	private equity fund
Peppertree Partners, LLC	OH	LLC	100% voting interest by FWIA	manages private equity fund
Perimeter Development Holdings, LLC	DE	LLC	49% by Perimeter TC Investor Holdings, LLC; 1% by ERG	owns real estate entities
Perimeter Project Owner, LLC	DE	LLC	100% by Perimeter TC Investor Holdings, LLC	owns/operates real estate
Perimeter TC Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Pleasanton Hotel Holding Company, LLC	DE	LLC	69% by Pleasanton Hotel Investor Holdings, LLC; 1% by ERI	owns real estate entities
Pleasanton Hotel Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Pleasanton Project Owner, LLC	DE	LLC	100% by Pleasanton Hotel Investor Holdings, LLC	owns/operates real estate
Portiva Residences, LLC	DE	LLC	49% by Jacksonville Salisbury Apartment Holdings, LLC; 1% by ERI	owns/operates real estate
Prairie Lakes Apartments Investor, LLC	OH	LLC	100% by Prairie Lakes Holdings, LLC	owns real estate entities
Prairie Lakes Apartments, LLC	IN	LLC	64% by Prairie Lakes Apartments Investor, LLC; 1% by ERI	owns real estate entities
Prairie Lakes Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
Prairiefire Apartments II, LLC	KS	LLC	100% by Prairiefire Apartments, LLC	owns/operates real estate
Prairiefire Apartments, LLC	KS	LLC	64% by Overland Apartments Investor Holdings, LLC; 1% by ERI	owns real estate
Queen City Square Development I, LLC	OH	LLC	100% by ERG	operation of real estate
Queen City Square, LLC	OH	LLC	99.75% by WSLIC; 0.25 by ERI	owns/operates real estate
R4 Housing Partners V LP	DE	LP	9.3% LP interest by LLIC	owns real estate entities
R4 Housing Partners VI LP	DE	LP	16.7 LP interest by LLIC	owns real estate entities
Race Street Development, Ltd.	OH	LLC	100% by W&S Real Estate Holdings, LLC	owns/operates real estate
Railroad Parkside Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Randolph Tower Affordable Investment Fund, LLC	DE	LLC	99.99% by WSLIC	real estate ownership entities


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
Ridge at Robinson Apartments, LLC	DE	LLC	59% by Settlers Ridge Robinson Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Ridgegate Apartments Investor, LLC	OH	LLC	100% by Ridgegate Holdings, LLC	owns real estate entities
Ridgegate Commonwealth Apartments, LLC	CO	LLC	44% by Ridgegate Apartments Investor, LLC; 1% by ERI	owns real estate entities
Ridgegate Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
Russell Bay Apartment Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	real estate ownership entity(ies)
Russell Bay Fee Owner LLC	DE	LLC	100% by Russell Bay Land Partners LLC	owns/operates real estate
Russell Bay Land Partners LLC	DE	LLC	88.63% by Russell Bay Apartment Holdings, LLC; 1.38% by ERI	owns real estate entities
Sabal-Alexander Investments, LLC	FL	LLC	69% by Golf Sabal Investor Holdings, LLC; 1% by ERI	owns/operates real estate
San Tan Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Settlers Ridge Robinson Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
Seventh and Culvert Garage, LLC	OH	LLC	100% by W&S Real Estate Holdings, LLC	owns real estate entities
Shelbourne Campus Properties, LLC	DE	LLC	54% by Shelbourne Housing Investor, LLC; 1% by ERI	owns/operates real estate
Shelbourne Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entity
Shelbourne Housing Investor, LLC	OH	LLC	100% by Shelbourne Holdings, LLC	owns real estate entity
Siena Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings LLC; 2% by ERI	owns real estate entities
Siena Medical District, LLC	DE	LLC	100% by FDC Siena JV, LLC	owns real estate
Sixth and Race Development, LLC	OH	LLC	71% by Race Street Development, Ltd.; 29% by ERI	owns/operates real estate
Skye Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Skye at Arbor Lakes II, LLC	DE	LLC	59% by Skye Apartments Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Skye at Arbor Lakes, LLC	DE	LLC	69% by Skye Apartments Investor Holdings, LLC; 1% by ERI	owns real estate entities
Skye at Maple Grove II, LLC	DE	LLC	100% by Skye at Arbor Lakes II, LLC	owns real estate entities
Skye Maple Grove, LLC	DE	LLC	100% by Skye at Arbor Lakes, LLC	owns/operates real estate
Skyport Hotel LLC	KY	LLC	25% by WSLIC; 49% by WSLR Skyport LLC; 1% by ERI	owns/operates real estate
Sonterra Legacy Investor Holdings, LLC	OH	LLC	100% by Trust dated August 25, 2014 for benefit of WSLIC Separate Account A (ERG, Trustee)	owns real estate entities
Southside Tunnel Apartments Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns/operates real estate
Southside Works City Apartments, LLC	DE	LLC	49% by Southside Tunnel Apartments Investor Holdings, LLC; 1% by ERI	owns real estate entities
SP Charlotte Apts Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
SPX Holding LLC	OH	LLC	50% by WSFG	Airplane ownership/leasing
SSW Jet Ltd	OH	LLC	50% by WSFG	Airplane ownership/leasing
Stony Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	real estate ownership entity(ies)


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
Stout Metro Housing Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Summerbrooke Apartments Investor, LLC	OH	LLC	100% by Summerbrooke Holdings, LLC	owns real estate entity
Summerbrooke Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entity
Sundance Hotel Investor, LLC	OH	LLC	100% by Sundance LaFrontera Holdings, LLC	owns real estate entities
Sundance Hotel, LLC	DE	LLC	64% by Sundance Hotel Investor, LLC; 1% by ERI	owns real estate entities
Sundance LaFrontera Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities
The Cove Apartments, LLC	DE	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
The Cove JV, LLC	DE	LLC	100% by The Cove Apartments, LLC	owns real estate entities
The Flats at Tan San, LLC	TX	LLC	49% by San Tan Investor Holdings, LLC; 1% by ERI	owns real estate entities
The Lafayette Life Insurance Company (LLIC)	OH	Corp	100% by WSFG
The Ohio Capital Fund LLC	OH	LLC	Managed by Buckeye Venture Partners, LLC	state funded private equity fund
The Western and Southern Life Insurance Company (WSLIC)	OH	Corp	100% by WSFG
Touchstone Advisors, Inc.	OH	Corp	100% by IFS	registered investment adviser
Touchstone Securities, Inc.	NE	Corp	100% by IFS	broker-dealer
Trevi Apartment Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Trevi Fee Owner, LLC	DE	LLC	100% by Trevi Land Partners, LLC	owns/operates real estate
Trevi Land Partners, LLC	DE	LLC	64% by Trevi Apartment Holdings, LLC; 1% by ERI	real estate ownership entity(ies)
Tri-State Growth Capital Fund I, L.P.	DE	LP	GP is Tri-State Ventures, LLC; investors include WSLIC	private equity fund
Tri-State Growth Capital Fund II, L.P.	DE	LP	GP is Tri-State Ventures II, LLC; investors include WSLIC	private equity fund
Tri-State Ventures II, LLC	DE	LLC	100% by FWIA	private equity fund
Tri-State Ventures, LLC	DE	LLC	100% by FWIA	private equity fund
Union Centre Hotel LLC	OH	LLC	25% by WSLIC; 49% by WSLR Union LLC; 1% by ERI	owns/operates real estate
Uptown Denver Apartment Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entity
Uptown Denver Apartments, LLC	DE	LLC	49% by East Denver Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Uptown Denver Investor, LLC	OH	LLC	100% by Uptown Denver Apartment Holdings, LLC	owns real estate entity
Vail Hotel Holdings ESHV, LLC	DE	LLC	74% by Frontage Lodging Investor Holdings, LLC; 1% by ERI	owns/operates real estate
Vail Hotel Owner ESHV, LLC	DE	LLC	100% by Vail Hotel Holdings ESHV, LLC	owns/operates real estate
Vernazza Apartments, LLC	DE	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Vernazza Housing Investor Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
Vinings Trace, LLC	IN	LLC	99% by WSLIC; 1% by ERI	owns/operates real estate
Vulcan Hotel LLC	AL	LLC	25% by WSLIC; 49% by WSLR Birmingham LLC; 1% by ERI	owns/operates real estate
W&S Brokerage Services, Inc.	OH	Corp	100% by WSLAC	investment advisor and broker dealer


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
W&S Financial Group Distributors, Inc.	OH	Corp	100% by WSLAC	insurance agency
W&S Real Estate Holdings, LLC	OH	LLC	100% by WSLIC	owns real estate entities
Western & Southern Agency, Inc.	OH	Corp	100% by WSLIC	insurance agency
Western & Southern Financial Fund Inc	OH	Non Profit Corp	Grants awarded by WSFG	charitable giving
Western & Southern Financial Group, Inc. (WSFG)	OH	Corp	100% by WSMHC	holding company
Western & Southern Investment Holdings, LLC	OH	LLC	100% by WSLIC	owns operating entities
Western & Southern Mutual Holding Company (WSMHC)	OH	Corp	Mutual Insurance Holding Company	owns operating entities
Western-Southern Life Assurance Company (WSLAC)	OH	Corp	100% by WSLIC	insurance company
Windsor Hotel LLC	CT	LLC	25% by WSLIC; 49% by WSLR Hartford LLC; 1% by ERI	owns/operates real estate
Winkler Extension Apartments Investor, LLC	OH	LLC	100% by ERG, as Trustee under a Trust Agreement dated November 30, 2009 for the benefit of WSLIC Separate Account A	owns real estate entities
WL Apartment Holdings, LLC	OH	LLC	98% by W&S Real Estate Holdings, LLC; 2% by ERI	owns real estate entities
WL Houston Parkway, LLC	TX	LLC	55% by WL Apartments Holdings, LLC; 1% by ERI
Wright Executive Hotel Limited Partners	OH	LP	60.50% by WSLIC; 0.61% by WS Wright Hotel GP, LLC	owns/operates real estate
WS Airport Exchange GP, LLC	OH	LLC	100% by W&S Real Estate Holdings, LLC	owns/operates real estate
WS Country Place GP, LLC	OH	LLC	100% by W&S Real Estate Holdings, LLC	owns/operates real estate
WS Lookout JV, LLC	OH	LLC	100% by WSLIC	owns/operates real estate
WS Wright Hotel GP, LLC	OH	LLC	100% by WSLIC	owns/operates real estate
WSA Commons, LLC	GA	LLC	50% by WSLIC	owns/operates real estate
WSALD CEH, LLC	OH	LLC	50% by WSLIC	owns/operates real estate
WSALD NPH, LLC	OH	LLC	50% by WSLIC; 1% by ERI	owns/operates real estate
WSFG WG Aurora IL, LLC	OH	LLC	100% by Country Place Associates	owns/operates real estate
WSFG WG Charlotte NC, LLC	OH	LLC	100% by Country Place Associates	owns/operates real estate
WSFG WG Columbus OH, LLC	OH	LLC	100% by Vinings Trace, LLC	owns/operates real estate
WSFG WG Holding RI, LLC	OH	LLC	100% by Country Place Associates	owns/operates real estate
WSFG WG Providence RI, LLC	OH	LLC	100% by Country Place Associates	owns/operates real estate
WSFG WG Stallings NC, LLC	OH	LLC	100% by Vinings Trace, LLC	owns/operates real estate
WSL Partners, L.P.	DE	LP	GP is FWCP; investors include WSLIC	private equity fund
WSLR Birmingham LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Cincinnati LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Columbus LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Dallas LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Hartford LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Holdings LLC	DE	LLC	24.49% by WSLIC	owns real estate entity
WSLR LLC	DE	LLC	100% by WSLR Holdings LLC	owns real estate entities
WSLR Skyport LLC	OH	LLC	100% by WSLR LLC	owns real estate
WSLR Union LLC	OH	LLC	100% by WSLR LLC	owns real estate


Integrity VAROOM	April 2017



Affiliate	State	Entity Type	Affiliated Ownership	Type of Business
YT Crossing Apartments Investor, LLC	OH	LLC	100% by YT Crossing Holdings, LLC	owns real estate entities
YT Crossing Holdings, LLC	OH	LLC	98% by WSLIC; 2% by ERI	owns real estate entities

Item 27. Number of Contract Owners

As of March 8, 2017, 242 qualified and 0 non-qualified contracts issued pursuant to this registration statement were outstanding.

Item 28. Indemnification

Integrity's By-Laws provide, in Article V, Section 5.1 provides:

To the extent permitted by the laws of the State of Ohio, subject to all applicable requirements thereof:

(a) The Corporation shall indemnify or agree to indemnify any person who was or is a party or is threatened to be made a party, to any threatened, pending, or completed action, suit, or proceeding, whether civil, criminal, administrative, or investigative, other than an action by or in the right of the Corporation, by reason of the fact that he is or was a Director, officer, employee, or agent of the Corporation or is or was serving at the request of the Corporation as a Director, trustee, officer, employee, or agent of another corporation, domestic or foreign, non-profit or for profit, partnership, joint venture, trust, or other enterprise, against expenses, including attorney's fees, judgments, fines, and amounts paid in settlement actually and reasonably incurred by him in connection with such action, suit, or proceeding if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Corporation, and with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination of any action, suit, or proceeding by judgment, order, settlement, or conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Corporation and, with respect to any criminal action or proceeding, he had reasonable cause to believe that his conduct was unlawful.

(b) The Corporation shall indemnify or agree to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending, or completed action or suit by or in the right of the Corporation to procure a judgment in its favor by reason of the fact that he is or was a Director, officer, employee, or agent of the Corporation, or is or was serving at the request of the Corporation as a Director, trustee, officer, employee, or agent of another corporation, domestic or foreign, non-profit or for profit, partnership, joint venture, trust, or other enterprise, against expenses, including attorney's fees, actually and reasonably incurred by him in connection with the defense or settlement of such action or suit if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Corporation, except that no indemnification shall be made in respect to any of the following:

(1) Any claim, issue, or matter as to which such person is adjudged to be liable for negligence or misconduct in the performance of his duty to the Corporation unless, and only to the extent the court of common pleas or the court in which such action or suit was brought determines upon application that, despite the adjudication of liability, but in view of all circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses as the court of common pleas or such other court shall deem proper;

(2) Any action of suit in which the only liability asserted against a Director is pursuant to Section 1701.95 of the Ohio Revised Code.

(c) To the extent that a Director, trustee, officer, employee, or agent has been successful in the merits or otherwise in defense of any action, suit, or proceeding referred to in division (a) and (b) of this Article, or in defense of any claim, issue or matter therein, he shall be indemnified against expenses, including attorney's fees, actually and reasonably incurred by him in connection with the action, suit, or proceeding.

(d) Any indemnification under divisions (a) and (b) of this Article, unless ordered by a court, shall be made by the Corporation only as authorized in the specific case upon the determination that indemnification of the Director, officer, employee, or agent is proper in the circumstances because he has met the applicable standard of conduct set forth in divisions (a) and (b) of this Article. Such determination shall be made as follows:

(1) By a majority vote of a quorum consisting of Directors of the Corporation who were not and are not parties to or threatened with any such action, suit, or proceeding;


Integrity VAROOM	April 2017

(2) If the quorum described in division (d)(1) of this Article is not obtainable or if a majority vote of a quorum of disinterested Directors so directs, in a written opinion by independent legal counsel other than an attorney, or a firm having associated with it an attorney, who has been retained by or who has performed services for the Corporation or any person to be indemnified within the past five years;

(3) By the Shareholders; or

(4) By the court of common pleas or the court in which such action, suit or proceeding was brought.

Any determination made by the disinterested Directors under Article (d)(1) or by independent legal counsel under Article (d)(2) shall be promptly communicated to the person who threatened or brought the action or suit by in the right of the Corporation under (b) of this Article, and within ten days after receipt of such notification, such person shall have the right to petition the court of common pleas or the court in which such action or suit was brought to review the reasonableness of such determination.

(e) (1) Expenses, including attorney's fees, incurred by a Director in defending the action, suit, or proceeding shall be paid by the Corporation as they are incurred, in advance of the final disposition of the action, suit, or proceeding upon receipt of an undertaking by or on behalf of the Director in which he agrees to do both of the following:

(i) Repay such amount if it is proved by clear and convincing evidence in a court of competent jurisdiction that his action or failure to act involved an act or omission undertaken with deliberate intent to cause injury to the Corporation or undertaken with reckless disregard for the best interests of the Corporation;

(ii) Reasonably cooperate with the Corporation concerning the action, suit or proceeding.

(2) Expenses, including attorney's fees, incurred by a Director, officer, employee, or agent in defending any action, suit, or proceeding referred to in divisions (a) and (b) of this Article, may be paid by the Corporation as they are incurred, in advance of the final disposition of the action, suit, or proceeding as authorized by the Directors in the specific case upon receipt of an undertaking by or on behalf of the Director, officer, employee, or agent to repay such amount, if it ultimately is determined that he is not entitled to be indemnified by the Corporation.

(f) The indemnification authorized by this section shall not be exclusive of, and shall be in addition to, any other rights granted to those seeking indemnification under the Articles or the Regulations for any agreement, vote of Shareholders or disinterested Directors, or otherwise, both as to action in his official capacity and as to action in another capacity while holding such office, and shall continue as to a person who has ceased to be a Director, officer, employee, or agent and shall inure to the benefit of the heirs, executors, and administrators of such a person.

(g) The Corporation may purchase and maintain insurance or furnish similar protection, including but not limited to trust funds, letters of credit, or self insurance, on behalf of or for any person who is or was a Director, officer, employee, or agent of the Corporation, or is or was serving at the request of the Corporation as a Director, officer, employee, or agent of another corporation, domestic or foreign, non-profit or for profit, partnership, joint venture, trust, or other enterprise, against any liability asserted against him and incurred by him in any such capacity, or arising out of his status as such, whether or not the Corporation would have the power to indemnify him against such liability under this section. Insurance may be purchased from or maintained with a person in whom the Corporation has a financial interest.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.


Integrity VAROOM	April 2017

Item 29. Principal Underwriters

(a) Touchstone Securities, Inc. (Touchstone Securities) is the principal underwriter for Separate Account I of Integrity Life Insurance Company. Touchstone Securities also serves as an underwriter for Separate Account VUL of Integrity Life Insurance Company, Separate Account I of National Integrity Life Insurance Company, Western-Southern Life Assurance Company’s Separate Account 1, Columbus Life Insurance Company Separate Account I and for the shares of several series of Touchstone Variable Series Trust, Touchstone Strategic Trust, Touchstone Investment Trust, Touchstone Tax-Free Trust, Touchstone Institutional Funds Trust and Touchstone Funds Group Trust, each of which is affiliated with the Depositor.

(b) The names and principal business addresses* of the officers and directors of, and their positions with, Touchstone Securities, Inc. are as follows:

Directors:


James N. Clark	Director


Jill T. McGruder	Director and Chief Executive Officer


Donald J. Wuebbling	Director

Officers:


Steven M. Graziano	President


Jill T. McGruder	Chief Executive Officer


James J. Vance	Senior Vice President and Treasurer


Sharon L. Karp	Vice President


Daniel R. Larsen	Vice President


Timothy S. Stearns	Vice President


Thomas A. Shoemake	Chief Compliance Officer


Terrie A. Wiedenheft	Chief Financial Officer


Jay V. Johnson	Assistant Vice President and Assistant Treasurer


John S. Musgrove	Assistant Vice President and Assistant Treasurer


Cheryl J. Stotts	Assistant Vice President and Assistant Treasurer


Kathleen A. Cornelius	Assistant Treasurer


Timothy D. Speed	Assistant Treasurer


Rhonda S. Malone	Secretary

*The principal business address for the above is 400 Broadway, Cincinnati, Ohio 45202.

Item 30. Location of Accounts and Records

The records required to be maintained by Section 31(a) of the Investment Company Act of 1940 and Rules 31a-1 to 31a-3 promulgated thereunder, are maintained by Integrity at 400 Broadway, Cincinnati, Ohio 45202

Item 31. Management Services

There are currently no management-related services provided to the Registrant.

Item 32. Undertakings

The Registrant hereby undertakes:


(a)	to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements of the Registrant, Depositor and Guarantor in the registration statement are never more than 16 months old for so long as payments under the variable annuity contracts may be accepted;


(b)	to include either (1) as part of any application to purchase a contract offered by the prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a postcard or similar written communication affixed to or included in the prospectus that the applicant can remove to send for a Statement of Additional Information;


(c)	to deliver any Statement of Additional Information and any financial statements required to be made available under this Form, including the WSLIC financial statements, promptly upon written or oral request; and


(d)	to update the registration statement if WSLIC terminates its guarantee to Integrity policyholders.


Integrity VAROOM	April 2017

During any time there are insurance obligations outstanding and covered by its guarantee (Guarantee) issued by WSLIC, filed as an exhibit to this registration statement, Integrity hereby undertakes to provide notice to contract owners promptly after the happening of significant events related to the Guarantee. These significant events include: (i) termination of the Guarantee that has a material adverse effect on the contract owner's rights under the Guarantee; (ii) a default under the Guarantee that has a material adverse effect on the contract owner's rights under the Guarantee; or (iii) the insolvency of WSLIC.

Pursuant to Section 26(f) of the Investment Company Act of 1940, as amended, Integrity represents that the aggregate charges under the variable annuity contract described in this Registration Statement are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Integrity.

Integrity represents that it recognizes the requirements of Section 17(h) of the Investment Company Act of 1940, specifically that it shall not protect or purport to protect any director or officer of the Registrant or Depositor against any liability to them or to their security holders to which he would otherwise be subject by reason of willful misfeasance, bad faith, gross negligence or reckless disregard of the duties involved in the conduct of his office.


Integrity VAROOM	April 2017

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant, the Depositor and the Guarantor, certify that they meet all of the requirements for effectiveness of this post-effective amendment to their Registration Statement pursuant to Rule 485(b) under the Securities Act of 1933 and have duly caused this amendment to the Registration Statement to be signed on their behalf, in the City of Cincinnati and State of Ohio on this 25^th day of April 2017.

SEPARATE ACCOUNT I OF

INTEGRITY LIFE INSURANCE COMPANY

(Registrant)

By: Integrity Life Insurance Company

(Depositor)



By:	/s/ Jill T. McGruder
	Jill T. McGruder, President and CEO

INTEGRITY LIFE INSURANCE COMPANY

(Depositor)



By:	/s/ Jill T. McGruder
	Jill T. McGruder, President and CEO

THE WESTERN AND SOUTHERN LIFE INSURANCE COMPANY

(Guarantor)



By:	/s/ John F. Barrett
	John F. Barrett, Chairman, President and CEO


Integrity VAROOM	April 2017

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Depositor has duly caused this amendment to the Registration Statement to be signed on its behalf, in the City of Cincinnati and State of Ohio on this 25^th day of April 2017.

INTEGRITY LIFE INSURANCE COMPANY

(Depositor)



By:	/s/ Jill T. McGruder
	Jill T. McGruder, President and CEO

The following persons, in the capacities and on the dates indicated, have signed this amendment to the Registration Statement as required by the Securities Act of 1933:



PRINCIPAL EXECUTIVE OFFICER:		/s/ Jill T. McGruder
		Jill T. McGruder, President and CEO
		April 25, 2017

PRINCIPAL FINANCIAL OFFICER:		/s/ Bradley J. Hunkler
		Bradley J. Hunkler, Senior Vice President and Chief Financial Officer
		April 25, 2017

PRINCIPAL ACCOUNTING OFFICER:		/s/ Wade M. Fugate
		Wade M. Fugate, Vice President and Controller
		April 25, 2017

DIRECTORS:



/s/ John F. Barrett		/s/ Jonathan D. Niemeyer
John F. Barrett		Jonathan D. Niemeyer
April 25, 2017		April 25, 2017
/s/ Edward J. Babbitt		/s/ Donald J. Wuebbling
Edward J. Babbitt		Donald J. Wuebbling
April 25, 2017		April 25, 2017
/s/ Jill T. McGruder
Jill T. McGruder
April 25, 2017


Integrity VAROOM	April 2017

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Guarantor has duly caused this amendment to the Registration Statement to be signed on its behalf, in the City of Cincinnati and State of Ohio on this 25^th day of April 2017.

THE WESTERN AND SOUTHERN LIFE INSURANCE COMPANY

(Guarantor)



By:	/s/ John F. Barrett
	John F. Barrett, Chairman, President and CEO



PRINCIPAL EXECUTIVE OFFICER:		/s/ John F. Barrett
		John F. Barrett, Chairman, President and CEO
		April 25, 2017

PRINCIPAL FINANCIAL OFFICER:		/s/ Bradley J. Hunkler
		Bradley J. Hunkler, Senior Vice President and Chief Financial Officer
		April 25, 2017

PRINCIPAL ACCOUNTING OFFICER:		/s/ Wade M. Fugate
		Wade M. Fugate, Vice President and Controller
		April 25, 2017

DIRECTORS:



/s/ John F. Barrett		/s/ Bradley J. Hunkler
John F. Barrett		Bradley J. Hunkler, Attorney-in-Fact for Jo Ann Davidson
April 25, 2017		Bradley J. Hunkler, Attorney-in-Fact for Jo Ann Davidson
		April 25, 2017

/s/ Bradley J. Hunkler		/s/ Bradley J. Hunkler
Bradley J. Hunkler, Attorney-in-Fact for James N. Clark		Bradley J. Hunkler, Attorney-in-Fact for George H. Walker, III
April 25, 2017		April 25, 2017

		/s/ Bradley J. Hunkler
		Bradley J. Hunkler, Attorney-in-Fact for Thomas L. Williams
		April 25, 2017