MarketMax Index

Product Detail

Applicant Ages: 0-80
Premium Minimum: $10,000 NQ/Q, Max: $1 million
Flexible Premium; $2,000 Additional
Accounts: 1 fixed-rate; 2 Non-Fee Based index-linked: 1 S&P500 and 1 Barclays Focus50; 4 Rate-Buy-Up index-linked: 2 S&P500, 1 Barclays Focus50, 1 S&P MARC 5%
Fee: 1.00%
Surrender Charge: 10 Years
Penalty-Free Withdrawals: 10% beginning year 2
Death Benefit: Full Accumulation Value
Nursing Home Waiver
Terminal Illness Rider

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketMax Index

Effective March 31, 2023

(Rates Effective Since Nov 09, 2022)

Account Options	Current Rate
1-Year Interest	5.00%
S&P 500 1-Year Point-to-Point Cap	10.00%
MARC 5% 1-Year Point-to-Point Participation	200.00%
S&P 500 1-Year Point-to-Point Cap with Fee	13.00%
S&P 500 1-Year Point-to-Point Participation with Fee	50.00%
Focus50 1-Year Point-to-Point Participation with Fee	225.00%
MARC 5% 1-Year Point-to-Point Participation with Fee	250.00%

1-Year Interest
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0%.

S&P 500 1-Year Point-to-Point Cap
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%.

MARC 5% 1-Year Point-to-Point Participation
Index increase based on the point-to-point change in the S&P MARC5 Index each year. Participation Rate applied to index increase and credited annually. Participation Rate may change annually (minimum 10%).

S&P 500 1-Year Point-to-Point Cap with Fee
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.50% fee charged to the Account Value in this Account.

S&P 500 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.00% fee charged to the Account Value in this Account.

Focus50 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the Barclays Focus50 Index™ from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.00% fee will be charged to the Account Value in this Account.

MARC 5% 1-Year Point-to-Point Participation with Fee
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account will have a higher participation rate than the MARC5 PTP Part Account, due to the 1.00% fee charged to the Account Value in this Account

Product State Approvals

Alabama,

Alaska,

Arizona,

Arkansas,

Colorado,

Connecticut,

Delaware,

District of Columbia,

Florida,

Georgia,

Hawaii,

Idaho,

Illinois,

Indiana,

Iowa,

Kansas,

Kentucky,

Louisiana,

Maine,

Maryland,

Massachusetts,

Michigan,

Minnesota,

Mississippi,

Missouri,

Montana,

Nebraska,

Nevada,

New Hampshire,

New Jersey,

New Mexico,

North Carolina,

North Dakota,

Ohio,

Oklahoma,

Oregon,

Pennsylvania,

Rhode Island,

South Carolina,

South Dakota,

Tennessee,

Texas,

Utah,

Vermont,

Virginia,

Washington,

West Virginia,

Wisconsin,

Wyoming,

Product State Variations

No State Variations

Current Form Date	Title	Number
2022/04/01	Advantages of Index Annuity Downside Protection	ET-PTPPHISTEX
2022/08/10	Annuity New Business Checklist	ET-ANN-CKLIST
2020/11/09	Annuity Suitability Agent User Guide	ET-3107
2022/08/24	Barclays Focus50 Index Client Brochure	ET-BARCFOC50-1100
2022/11/09	Commission Options	ET-TRLCOMP
2021/04/15	Delegate Account User Guide	ET-DELEGATEACCT
2023/01/25	E-Applications Flyer	ET-EAPP
2022/03/23	E-Delivery Agent User Guide	ET-EDELAGENT
2021/12/13	E-Delivery Client User Guide	ET-EDELCLIENT
2022/03/23	E-Delivery FAQs	ET-EDELFAQ
2023/02/15	EquiTrust Advertising Requirements	ET-ADREQ
2019/01/18	EquiTrust Agent App Overview	ET-MOBILEAPPOVERVIEW
2021/09/29	EquiTrust Agent App Quick Start Guide	ET-MOBILEAPPQUICKSTARTGUIDE
2019/09/18	EquiTrust Client Portal Flyer	ET-MYEQUITRUST
2021/09/29	EquiTrust Contact Information	ET-5000
2022/03/22	EquiTrust Corporate Brochure	ET-BRO-1000
2022/06/01	EquiTrust Letter of Financial Condition - Producer Use Only	ET-LFC
2009/11/01	EquiTrust Pocket Folder	ET-FDR-1001A
2021/01/27	EquiTrust Wire-Transfer Instructions	ET-WIRETRANSFER
2021/09/29	EquiTrust's Competitive Advantages	ET-ADVANTAGES
2022/11/29	Guidelines for IRA Beneficiaries Under the SECURE Act	ET-IRABENEGUIDELINE
2022/12/30	Income, Assets, and Expenses Inventory	ET-RINCOME
2022/08/31	Index Annuities Eliminate the Stress of Market Losses	ET-LOSSRECOVERY
2022/11/29	Inherited/Stretch IRA Client Brochure	ET-INHERSTRCHIRA
2023/01/31	Inherited/Stretch IRA Rules	ET-INHRSTRCHRULES
2021/09/02	MarketMax Agent Guide	ET-MMAX-1102
2021/09/02	MarketMax Client Brochure	ET-MMAX-1100
2022/11/09	MarketMax Competitive Advantage Flyer	ET-MMAX-ADVANTAGES
2023/03/14	MVA Impact on Fixed Index Annuities	ET-GEN-FLR-MVA
2021/09/29	Online Marketing Resources	ET-5002
2022/09/27	Partial Tax Conversion	ET-PTAX
2022/11/09	Raw vs. Credited Returns Flyer	ET-RAWVSCREDITED
2022/11/09	Roth Conversion Opportunity	ET-ROTHCONV
2022/09/07	S&P MARC 5% Excess Return Client Brochure	SPMARC5BROCHURE
2023/01/05	S&P500 Historical Analysis	ET-SP500-HISTORICAL
2021/07/01	Upload a Doc User Guide	ET-UPLOADADOC.PDF
2023/01/23	Ward's 50	ET-WARDS50