With new upgrades, you can now offer higher income payouts — for both single and joint payout options — through our income-focused fixed index annuity designed for clients planning to start income five or more years in the future.
New 8% premium bonuson first-year premium that also applies to the Benefit Base
Income withdrawal percentages increased by 15 basis points
Income withdrawal factors now increase by 0.10% each year through age 85 (previously age 80)
Improved joint income payout factors, now 50 basis points lower than single owner factors (previously 100 basis points)
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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 rollup 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.
AGENTS ONLY EquiTrust IBR advantage 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 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.
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Payout data reflects illustration run on 02/02/2026 and competitor data sourced from AnnuityRateWatch.com on 02/02/2025. 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); 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.
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