INCOME FOR LIFE. GUARANTEED.

Powerful Income Benefit Riders (IBRs) with  some of the highest payouts in the industry.

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Why
EquiTrust IBRs

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Product summary

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Why EquiTrust IBRs?

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Spousal continuation, even after Accumulation Value is depleted

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

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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

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Have a client interested in generating a lifetime stream of income? Sales Support can build a custom illustration you can share.

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Brochures and flyers

MarketEarly

CLIENT APPROVED
MarketEarly Income Index
Built for clients looking to receive income sooner.


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MFB-brochure

CLIENT APPROVED
MarketFuture Bonus Income Index
Built for clients with a longer time horizon before retirement.

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FINANCIAL PROFESSIONALS ONLY
EquiTrust IBR advantage flyer
Learn more about the advantages of choosing an EquiTrust IBR.

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FINANCIAL PROFESSIONALS ONLY
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Compare when each income-focused FIA has the highest payout.

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CLIENT APPROVED
Customizable MarketEarly Income Index flyer
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MFB-client-ad

CLIENT APPROVED
Customizable MarketFuture Bonus Income Index flyer
Introduce the product to your clients and add your contact information.

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Income calculator

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Questions?

Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com, or complete the form below.

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). 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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