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
Product summary
MarketEarly Income Index™
Surrender period: 10 years
Ages: 45-80
Premium: Flexible
Income Benefit Rider with chronic illness doubler: 20% Benefit-Base bonus on year 1 premiums, compounded at 7% annually for years 1-5, then 4% annually for years 6-10 or until income payments begin
MarketFuture Income Index™
Surrender period: 10 years
Ages: 40-80
Premium: Flexible
Income Benefit Rider with chronic illness doubler: 10% Benefit-Base bonus on year 1 premiums, compounded at 8% annually for up to 10 years
Product
Surrender period
Ages
Premium
Bonus and roll-up rate
MarketEarly Income Index
10 years
45-80
Flexible
20% bonus applied to Benefit Base for premiums received in year 1, compounded at 7% years 1-5, 4% 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.
Brochures and flyers
CLIENT APPROVED MarketEarly Income Index Built for clients looking to receive income sooner.
CLIENT APPROVED MarketFuture Bonus Income Index Built for clients with a longer time horizon before retirement.
FINANCIAL PROFESSIONALS ONLY EquiTrust IBR advantage flyer Learn more about the advantages of choosing an EquiTrust IBR.
FINANCIAL PROFESSIONALS ONLY Heat map Compare when each income-focused FIA has the highest payout.
CLIENT APPROVED Customizable MarketEarly Income Index flyer Introduce the product to your clients and add your contact information.
CLIENT APPROVED Customizable MarketFuture Bonus Income Index flyer Introduce the product to your clients and add your contact information.
Income calculator
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MarketEarly Income Index contract issued on Contract Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). MarketFuture Bonus Income Index contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18), ET-MTB-2000(04-17) or ET-MTB-2000(06-18). Riders issued on Form Series ICC17-ET-FIXED-MVA(02-17) or ET-IMVA(03-16); ICC16-ETIBR-FIXED(07-16) or ET-IBR-FIXED(07-16); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17). Payout data reflects illustration run on 06/09/2026 and competitor data sourced from AnnuityRateWatch.com on 06/09/2026. This comparison reflects a subset of companies offering similar FIA products through the IMO distribution channel. Withdrawals before age 59½ may result in a 10% IRS penalty tax. Any withdrawals prior to the start of income withdrawals will reduce the Benefit Base proportionately. Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company. EquiTrust does not offer investment advice to any individual or financial professional and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
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