April 16, 2014
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Bonus Index Annuities

MarketTwelve Bonus IndexTM

     - Applicant Ages: 0 - 75
     - Minimum Premium: $30,000 NQ/Q

A single-premium fixed and indexed annuity with a 12% bonus paid over three years. 6% is applied to premium at issue, with 2% applied to the Accumulation Value at second, third and fourth contract anniversaries. Features a fixed-rate account and five index-based accounts.  Income For Life rider available, in approved states.

MarketPower Bonus Index®

     - Applicant Ages: 0 - 75
     - Minimum Premium: $20,000 NQ/Q

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®

     - Applicant Ages: 0 - 80
     - Minimum Premium: $10,000 NQ/ $2,000 Q

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®

     - Applicant Ages: 0 - 80
     - Minimum Premium: $30,000 NQ/Q

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®

     - Applicant Ages: 0 - 80
     - Minimum Premium: $30,000 NQ/Q

A flexible-premium fixed and indexed annuity available in CT, DE, MN, NV, OR, TX, UT, and WA, with a 6% premium bonus on first-year premiums. 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.

Index Annuities

MarketValue Index®

     - Applicant Ages: 0 - 80**
     - Minimum Premium: $10,000 NQ/Q

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.

** May vary by issue age and/or state

Multi-Year Guarantee Annuity

Certainty Select®

     - Applicant Ages: 0 - 90
     - Minimum Premium: $10,000 NQ/Q

A single premium MYGA offering a choice of 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.

Traditional Fixed Annuity

ChoiceFour®

     - Applicant Ages: 0 - 85
     - Minimum Premium: $10,000 NQ/Q

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®

     - Applicant Ages: Fixed Period - 0 - 90; Single Life & Joint Life -  0 - 85
     - Minimum Premium: $30,000 NQ/Q

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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