FIXED INDEX ANNUITY PORTFOLIO

Simple. Focused. Effective. EquiTrust fixed index annuities (FIAs) center on either income or accumulation – enabling you and your clients to make decisions with clarity.

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FIA products

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Tools and resources

Training

Product training

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Specials and incentives

FIA products

Accumulation-focused – Bonus
Product Bonus Surrender period Ages Premium Riders
MarketEdge Bonus Index™ 20% 23%* bonus over three years: 8% 11%* of premium in year 1, plus 4% of Accumulation Value on first three contract anniversaries
 10 years 0-80 First year only Nursing Home Waiver Rider, Terminal Illness Rider
MarketPower Bonus Index® 12% 15%* of premium in year 1 14 years 0-75 First year only Nursing Home Waiver Rider, Terminal Illness Rider
MarketTen Bonus Index® 8% 11%* of premium in years 1- 5 10 years 0-80 Flexible Return of Premium, Nursing Home Waiver Rider, Terminal Illness Rider

*Limited time premium bonus special. Go to Agents.EquiTrust.com/Specials for details.

Accumulation-focused – Non-bonus
Product Surrender period Ages Premium Riders
MarketValue Index® 10 years 0-85 Flexible Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
MarketSeven Index® 7 years 0-85 Flexible Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
MarketFive Index®  5 years 0-90 Flexible Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
Income-focused
Product Surrender period Ages Premium Income Benefit Rider with chronic illness doubler
MarketEarly Income™ Index 10 years 45-80 Flexible 20% Benefit Base bonus, compounded at 7% in years 1-5 and 4% in years 6-10, or until income withdrawals begin
MarketFuture Bonus Income™ Index 10 years 40-80 Flexible 8% bonus applied to Accumulation Value and Benefit Base for all first-year premiums, compounded at 8% for up to 10 years or until income withdrawals begin
FIA with a BOOST
Product BOOST Surrender period Ages Premium Riders
SmartBoost™ Index No-fee, built-in 40% BOOST via an Enhanced Accumulation Value; vests annually over a 10-year period
 10 years 0-80 Single Nursing Home Waiver Rider, Terminal Illness Rider
FIA with long-term care coverage
Product Surrender period Ages Premium Underwriting LTC benefits NeverStop® Health Coaching & Rewards Program
Bridge® 10 years 50-80 Flexible Guaranteed approval*, 3 underwriting classes, ability to bypass underwriting Tax-free*, no receipts required, potential for more than 3X benefits with Coverage Ratios Automatically included; promotes healthy aging and offers the ability to earn Wellness Credits that can result in increased LTC benefit amount 

*Must pass annuity suitability requirements. Clients who choose to bypass underwriting are assigned to Secure class. By participating in underwriting, they may qualify for Preferred or Standard class, through which premium dollars purchase a higher LTC benefit. Benefits are tax-free subject to daily IRS maximum. NeverStop Wellness Rider availability may vary by state.

Accumulation-focused – Bonus

MarketEdge Bonus Index™

  • Bonus: 20% 23%* bonus over three years: 8% 11%* of premium in year 1, plus 4% of Accumulation Value on first three contract anniversaries
  • Surrender period: 10 years
  • Ages: 0-80
  • Premium: First year only
  • Riders: Nursing Home Waiver Rider, Terminal Illness Rider

MarketPower Bonus Index®

  • Bonus: 12% 15%* of premium in year 1
  • Surrender period: 14 years
  • Ages: 0-75
  • Premium: First year only
  • Riders: Nursing Home Waiver Rider, Terminal Illness Rider

MarketTen Bonus Index®

  • Bonus: 8% 11%* of premium in years 1-5
  • Surrender period: 10 years
  • Ages: 0-80
  • Premium: Flexible
  • Riders: Return of Premium, Nursing Home Waiver Rider, Terminal Illness Rider
*Limited time premium bonus special. Go to Agents.EquiTrust.com/Specials for details.
Accumulation-focused – Non-bonus
MarketValue Index®
  • Surrender period: 10 years
  • Ages: 0-85
  • Premium: Flexible
  • Riders: Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
MarketSeven Index®
  • Surrender period: 7 years
  • Ages: 0-85
  • Premium: Flexible
  • Riders: Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
MarketFive Index® 
  • Surrender period: 5 years
  • Ages: 0-90
  • Premium: Flexible
  • Riders: Nursing Home Waiver Rider,1 Terminal Illness Rider, Guaranteed Accumulation Value Benefit
Income-focused

MarketEarly Income™ Index

  • Surrender period: 10 years
  • Ages: 45-80
  • Premium: Flexible
  • Premium Income Benefit Rider with chronic illness doubler: 20% Benefit Base bonus, compounded at 7% in years 1-5 and 4% in years 6-10, or until income withdrawals begin


MarketFuture Bonus Income™ Index

  • Surrender period: 10 years
  • Ages: 40-80
  • Premium: Flexible
  • Premium Income Benefit Rider with chronic illness doubler: 8% bonus applied to Accumulation Value and Benefit Base for all first-year premiums, compounded at 8% for up to 10 years or until income withdrawals begin
FIA with a BOOST

SmartBoost™ Index

  • BOOST: No-fee, built-in 40% BOOST via an Enhanced Accumulation Value; vests annually over a 10-year period
  • Surrender period: 10 years
  • Ages: 0-80
  • Premium: Single
  • Riders: Nursing Home Waiver Rider, Terminal Illness Rider
FIA with long-term care coverage

Bridge®

  • Surrender period: 10 years
  • Ages: 50-80
  • Premium: Flexible
  • Underwriting: Guaranteed approval*, 3 underwriting classes, ability to bypass underwriting
  • LTC benefits: Tax-free*, no receipts required, potential for more than 3X benefits with Coverage Ratios
  • NeverStop® Health Coaching & Rewards Program: Automatically included; promotes healthy aging and offers the ability to earn Wellness Credits that can result in increased LTC benefit amount 
*Must pass annuity suitability requirements. Clients who choose to bypass underwriting are assigned to Secure class. By participating in underwriting, they may qualify for Preferred or Standard class, through which premium dollars purchase a higher LTC benefit. Benefits are tax-free subject to daily IRS maximum. NeverStop Wellness Rider availability may vary by state.

Tools and resources

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All-product summary
Get an overview of all EquiTrust fixed annuity, fixed index annuity and life insurance products.

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Interest-summary-1

Interest rate summary
See the current rates for all of our products.


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Product training

Product training is required to sell EquiTrust products. Please review your training status to see which courses, if any, you still need to complete. To get started, visit Licensing & Training tab on Agents.EquiTrust.com.
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Training

Current specials and incentives

Visit the Specials tab on Agents.EquiTrust.com to see our current limited-time incentives designed make it easier to grow your business and deliver more value to your clients.
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Questions?

Call Sales Support at 866-598-3694, email Sales.Support@EquiTrust.com or fill out the form below.

1Available through age 80.

Product features and benefits may vary by state. Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(12-21). Riders issued on ICC17-ET-FIXED-MVA(02-17); ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Long-Term Care Rider issued on ET-LTC(01-24). NeverStop Wellness Rider issued on ET-WEL(01-24). 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). MarketEdge Bonus Index contract issued on Contract Form Series ICC19-ET-MP10-2000(02-19) or ET-MP10-2000(05-18). Riders issued on Form Series ICC18-430-NHW(06-18) or 430-NHW(08-03); ET-AVBR(06-09), ET-AVBR(01-25) or ICC25-ET-AVBR(01-25); and ICC16-ET-TI(10-16) or ET-TI(10-1). MarketFive Index contract issued on Contract Form Series ICC16-ET-FIA5-2000(10-16) or ET-FIA5-2000(10-16). Riders issued on Form Series ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16); ICC16-ET-AVGR(10-16) or ET-AVGR(10-16). MarketPower Bonus Index contract issued on Contract Form Series ICC18-ET-MP10-2000(05-18) or ET-MPP-2000(02-05). 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); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketSeven Index contract issued on Contract Form Series ICC16-ET-FIA7-2000(10-16) or ET-FIA7-2000(10-16). Riders issued on Form Series ICC16-ET-AVGR(10-16) or ET-AVGR(10-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketTen Bonus Index contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18) or ET-MTB-2000(06-07). Riders issued on Form Series ICC17-ET-FIXED-ROP(02-17) or ET-FIXED-ROP(02-17); ICC17-ET-FIXED-MVA(02-17) or ET-IMVA(03-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketValue Index contract issued on 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) and ICC16-ET-AVGR(10-16) or ET-AVGR(10-16). SmartBoost Index contract issued on Contract Form Series ET-SBA-2000(01-25) or ICC25-ET-SBA-2000(01-25). Riders issued on Form Series 430-NHW(08-03) or ICC18-430-NHW(06-18) and ET-TI-SBA(01-25) or ICC25-ET-TI-SBA(01-25).

Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. 

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