PINNACLE FLEXIBLE PREMIUM VARIABLE ANNUITY
                                    issued by
                        INTEGRITY LIFE INSURANCE COMPANY
                                   through its
                               SEPARATE ACCOUNT II

                        SUPPLEMENT DATED AUGUST 30, 2002
                         TO PROSPECTUS DATED MAY 1, 2002

INVESTMENT OPTION TRANSFER RESTRICTIONS - This contract is not designed to serve
as a vehicle for frequent trading in response to short-term fluctuations in the
stock market. Any individual or legal entity that intends to engage in
arbitrage, utilize market timing practices or make frequent transfers to take
advantage of inefficiencies in mutual fund pricing should not purchase this
contract. These abusive or disruptive transfers can have an adverse impact on
management of a fund, increase fund expenses and affect fund performance.

Effective September 3, 2002, Integrity Life Insurance Company will introduce a
new policy for transfers between Investment Options, which is designed to
protect contract owners from abusive or disruptive trading activity:

- --You may submit 20 Investment Option transfers each contract year for each
contract by U.S. Mail, Internet, telephone, Annuitrac, or facsimile.

- --Once these 20 Investment Option transfers have been executed in any contract
year, we will require you to submit any additional Investment Option transfers
only in writing by U.S. Mail or overnight delivery service. Transfer requests
made by telephone or the Internet or sent by fax, same day mail or courier
service will not be accepted, and Annuitrac trading privileges will be
suspended. If you want to cancel a written Investment Option transfer, you must
also cancel it in writing by U.S Mail or overnight delivery service. We will
process the cancellation request as of the day we receive it.

We will apply the new policy to your contract effective September 3, 2002, and
will count trades executed since your last contract anniversary in calculating
the 20 Investment Option transfer limit. Upon reaching your next contract
anniversary, you will again be provided with 20 Investment Option transfers.
Investment Option transfers are non-cumulative and may not be carried over from
year to year.

None of these restrictions are applicable to transfers made under our Dollar
Cost Averaging program, Systematic Transfer Option program, Customized Asset
Rebalancing program, or other related programs we may offer.

Integrity Life Insurance Company will continue to monitor transfer activity, and
we may modify these restrictions at any time. For further information on your
trading privileges, please refer to your contract, which provides that you "must
adhere to the Company's excessive trading rules in effect at the time the
transfer is requested," and to the prospectus under the section titled
"Excessive Trading."