MarketEarly Income IndexTM INCREASED Benefit-Base bonus from 15% to 20%
MarketFuture Income IndexTM INCREASED withdrawal factors by 65 basis points for all ages!
Transition rules The new IBR features are effective for applications received by EquiTrust via mail, fax, E-Application or Upload a Doc beginning September 4, 2025.
Disclosure forms and illustrations Revised product disclosures and disclosure and comparison forms (D&C) forms are now available, but required on all applications effective October 5, 2025. FireLight, AppBuilder and the forms section on Agents.EquiTrust.comnow include new versions of the forms, and illustrations reflect the IBR changes.
WHY EQUITRUST IBRS?
Among highest payouts in the industry
Spousal continuation, even after Accumulation Value is depleted
Chronic illness doubler for up to five years, even if Accumulation Value is depleted
IBR fee based on Accumulation Value, saving clients money
BROCHURES AND FLYERS
CLIENT APPROVED MarketEarly Income Index™ brochure Built for clients looking to receive income sooner.
CLIENT APPROVED MarketFuture Income Index™ brochure Built for clients with a longer time horizon before retirement.
AGENTS ONLY EquiTrust IBR advantages flyer Learn more about the advantages of choosing an EquiTrust IBR.
AGENTS ONLY Heat map Compare when each income-focused FIA has the highest payout.
CLIENT APPROVED Customizable flyer Introduce the idea of an income-focused FIA to your clients.
COMPETITIVE POSITION
Our payouts consistently match or exceed those of leading competitors.
IBR payout amounts as of 8/6/2025
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 C
Similar product
$8,438
Competitor B
Similar product
$8,362
Issue age 65, $100,000 initial premium, with a five-year waiting period:
Company
Product
IBR payout
Competitor C
Similar product
$11,988
EquiTrust
MarketEarly Income Index™
$11,950
Competitor B
Similar product
$11,722
Competitor A
Similar product
$11,592
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
$18,001
Competitor B
Similar product
$16,695
INCOME CALCULATOR
Get real-life numbers for a specific client — it's quick and easy!
Payout data reflects illustration run on 08/06/2025 and competitor data sourced from AnnuityRateWatch.com on 08/06/2025. MarketEarly Income Index and MarketFuture Income Index issued on Contract Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). Income Benefit Riders issued on Form Series ICC16-ET-IBR-FIXED(07-16) or ET-IBR-FIXED(07-16). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
