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Competitive Income Riders from EquiTrust

EquiTrust |E-Connect

 

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INCOME BENEFIT RIDERS

 

Each EquiTrust Index Annuity features a unique income benefit rider (IBR) that pays lifetime income even if the contract's Accumulation Value is depleted.

 

Competitive IBR Features

• Available for Inherited IRAs

• Rider payments may be doubled for up to 5 years in the event of a chronic illness (up to 50%
for joint owners); included at no additional cost.

– No confinement required – 2 of 6 Activities of Daily Living

– Also applied to Extreme Permanent Cognitive Impairment

– Withdrawals may continue even if the accumulation value is depleted

– Approved in all states

• Upon spousal continuation of lifetime payments, income continues even if Accumulation Value
is depleted

• Annual fee is based on the contract's Accumulation Value – not the faster-growing
Benefit Base

 

Competitive Rollup Designs

The Benefit Base is equal to all premiums and premium bonuses, less withdrawals, compounded at a defined rate, for either 7 or 10 years. The faster the Benefit Base accumulates, the greater the income.

 

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EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice.
FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
 
 

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