Industry leading payouts and advantages

TOP TIER PAYOUTS

+ PERKS

Get in on the action — with some of the highest income payouts in the industry

Lifetime income payouts among the highest of leading competitors? Check! Plus, more great reasons to choose EquiTrust Income Benefit Riders.

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Competitive position

Issue age 65, $100,000 initial premium, with a one-year waiting period:

Company	Product	IBR payout
EquiTrust	MarketEarly Income Index™	$8,603
Competitor A	Similar product	$8,487
Competitor B	Similar product	$8,362
Competitor C	Similar product	$7,374

Issue age 65, $100,000 initial premium, with a five-year waiting period:

Company	Product	IBR payout
EquiTrust	MarketEarly Income Index™	$11,950
Competitor B	Similar product	$11,722
Competitor A	Similar product	$11,592
Competitor C	Similar product	$11,276

Issue age 65, $100,000 initial premium, with a 10-year waiting period:

Company	Product	IBR payout
EquiTrust	MarketFuture Income Index™	$18,524
Competitor C	Similar product	$18,203
Competitor A	Similar product	$17,055
Competitor B	Similar product	$16,695

IBR payout amounts as of 11/19/2025

Plus, next-level advantages

Spousal continuation even after Accumulation Value is depleted¹

Chronic illness doubler for up to five years, even if Accumulation Value is depleted

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Learn more and get dynamic sales tools designed to help you start the conversation with your clients.

Get the sales kit

Want to talk about putting our IBRs into action for your clients?
Call Sales Support at 866-598-3694 or or email Sales.Support@EquiTrust.com.

New Business Ticker image 5-8 Business Days

EquiTrust New Business Processing
Standards = 5-8 business days

(For in-good-order business, from application
received to issue or request transfer of funds.)

866-598-3694 | Sales.Support@EquiTrust.com | Agents.EquiTrust.com

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¹ Assuming joint life was elected when the original owner began taking income payments.

Payout data reflects illustration run on 11/19/2025 and competitor data sourced from AnnuityRateWatch.com on 11/19/2025. MarketEarly Income Index and MarketFuture Income Index contracts issued on Contract Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). Riders issued on Form Series ICC17-ET-FIXED-MVA(02-17) or ET-IMVA(03-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16); ICC16-ET-IBR-FIXED(07-16) or ET-IBR-FIXED(07-16); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

2655-GEN-EM-SW (11-25)

FOR FINANCIAL PROFESSIONAL USE ONLY