February 08, 2012
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All-Product Summary (Printable)

State Variations Summary (Printable)

Bonus Index Annuities

MarketTwelve Bonus IndexTM
A single-premium fixed and indexed annuity with a 12% bonus paid over three years. Features a fixed-rate account and five index-based accounts.  Income For Life rider available, in approved states.
MarketPower Bonus Index®
A single-premium fixed and indexed annuity with a 10% premium bonus on first-year premiums. Features a fixed-rate account and five index-based accounts.  Income For Life rider available, in approved states.
MarketBooster Index®
A flexible-premium fixed and indexed annuity with a 7% bonus credited over 24 months.  4% is applied to premium at issue, with 2% and 1% applied respectively to the Accumulation Value at first and second contract anniversaries.  Subsequent premiums get the 4% premium bonus for 5 years.  Features a fixed-rate account and four index-based accounts.  Income For Life rider available, in approved states.
MarketTen Bonus Index®
A flexible-premium fixed and indexed annuity with a 6% premium bonus paid on all premiums years 1-5. Features a fixed-rate account and five index-based accounts. Income For Life Rider available, in approved states. The product offers a Return of Premium feature.
Builder Bonus Index®
A flexible-premium fixed and indexed annuity available in CT, DE, OR, TX, UT, and WA, with a 6% premium bonus on first-year premiums. Features a fixed-rate account and three index-based accounts. Income For Life rider available, in approved states. The product offers a Return of Premium feature.

Index Annuities

MarketValue Index®
A flexible-premium fixed and indexed annuity with a 10-year design. Features a fixed-rate account and five index-based accounts.  Income For Life rider available, in approved states.
 
 

Multi-Year Guarantee Annuity

Certainty Select®
A single premium MYGA offering a choice of four guarantee periods. The base contract features full accumulation value at death and free withdrawals of cumulative interest. The no-cost optional rider features lower surrender charges, 10% free withdrawals and cash surrender value at death.
Certainty™
Available only in limited states. A single premium MYGA offering a choice of four guarantee periods. Features cash surrender value at death and 10% free withdrawals, beginning in contract year 2.

Traditional Fixed Annuity

ChoiceFour®
A Single Premium Deferred Annuity featuring a one-year annual reset interest rate. Allows additional premiums in the first year only. A Base Contract and the availability of two options provide a choice of four contract variations:
  • Base Contract: 9-year surrender charge schedule, free withdrawals of prior 12 months interest
  • MVA Option: 9-year surrender schedule, 1.50% premium bonus, MVA, free withdrawals of prior 12 months interest
  • Liquidity Option: 6-year surrender schedule, free withdrawals of 10% of accumulation value annually years 2+
  • Liquidity & MVA Options: 6-year surrender schedule, 1.50% premium bonus, MVA, free withdrawals of 10% of accumulation value annually years 2+

Single Premium Immediate Annuity

Confidence Income Annuity®
A Single-Premium Immediate Annuity featuring a range of payment options.
         Fixed Period: Any period from 5-20 years.
         Single Life: Payment can be with or without a Fixed Period (5-20 years).
         Joint Life: Payments can be with or without a Fixed Period (5-20 years), and/or with Payment Reduction on one life or both lives.
Non-qualified and IRAs only.

FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
 
 

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EquiTrust Life Insurance Company/West Des Moines, IA
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