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Interest Rate Summary.pdf
State Variation Summary.pdf

Bonus Annuities

Accumulation-Focused - Bonus Annuities Premium Bonus Account Options Current Rates
(as of 01/01/2025)		 Annual Fee Surrender Charges Ages Premium Riders
MarketEdge Bonus Index 8% of premium in year 1, plus 4% of Accumulation Value on first three contract anniversaries
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the Dynamic Intraday Index from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
2.00%
3.50%
5.00%
35.00%
3.00%
40.00%
1.25%
30.00%
45.00%
85.00%
80.00%
1.00%
1.00%
10 Years

16, 14.5, 13, 11.5, 9.5,  
8, 6.5, 5, 3, 1%1

0 - 80 First year only

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

Nursing Home Waiver Rider

Terminal Illness Rider

MarketPower Bonus Index 12% of premium
in year 1
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the Dynamic Intraday Index from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
3.25%
6.00%
8.00%
50.00%
5.00%
65.00%
1.75%
50.00%
70.00%
140.00%
125.00%
1.00%
1.00%
14 Years

 

20, 20, 19, 19, 18, 17, 16, 14, 12, 10, 8, 6, 4, 2%1

0 - 75 First Year Only

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

Nursing Home Waiver Rider

Terminal Illness Rider

MarketTen Bonus Index 8% of premium
in year 1-5
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the Dynamic Intraday Index from the previous two-year contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
3.25%
6.00%
8.00%
50.00%
5.00%
65.00%
1.75%
50.00%
70.00%
140.00%
125.00%
1.00%
1.00%
10 Years

10, 10, 10, 10, 8.5,
7, 5.5, 4, 3, 1.5%1

0 - 80 Flexible

Min: $10,000 NQ / $5,000 Q

Min additional: $2,000

Max: $2,000,0002

Return of Premium

Nursing Home Waiver Rider

Terminal Illness Rider

Non-Bonus Annuities

Accumulation-Focused - Non-Bonus Annuities Account Options Current Rates
(as of 01/01/2025)		 Annual Fee Surrender Charges Ages Premium Riders
MarketValue Index
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
4.50%
8.00%
10.50%
65.00%
7.00%
80.00%
2.15%
70.00%
95.00%
190.00%
170.00%
1.00%
1.00%
10 Years

12, 12, 12, 12, 11, 10, 8, 6, 4, 2%1

0 - 85 Flexible

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

Nursing Home Waiver Rider3

Terminal Illness Waiver

MarketSeven Index
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
4.50%
8.00%
10.50%
65.00%
7.00%
80.00%
2.15%
70.00%
95.00%
190.00%
170.00%
1.00%
1.00%
7 Years

9, 8, 7, 6.5, 5.5, 4.5, 3.5%1

0 - 85 Flexible

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

Nursing Home Waiver Rider3

Terminal Illness Waiver

MarketFive Index
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%.
S&P 500 1-Year Point-to-Point Cap with Buy-Up

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 offers a higher cap rate than the non-fee version, in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Participation with Buy-Up

Index Credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account offers a higher participation rate in exchange for a 1.00% annual fee.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500® Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Cap

Index credits are based on the cumulative sum of capped monthly changes in the S&P 500® Index from the previous contract anniversary. Each monthly gain is subject to a cap, but monthly declines are not subject to a floor. The minimum cap is 0.5%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500® Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
4.25%
7.50%
10.00%
60.00%
6.50%
75.00%
2.00%
65.00%
90.00%
180.00%
160.00%
1.00%
1.00%
5 Years

9, 8, 7, 6.5, 5.5%1

0 - 90 Flexible

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

Nursing Home Waiver Rider3

Terminal Illness Waiver

1 May vary by state
2 Maximum cumulative premium is $2,000,000. Higher amounts require home office approval. After year 1, $250,000 per contract year for MarketTen Bonus Index, MarketValue Index, MarketSeven Index and MarketFive Index.
3 Available through age 80

Minimum Guaranteed Rates for fixed index annuities: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Performance Trigger: 1.00%; 1-Year Monthly Avg Participation: 10%; 1-Year Monthly Cap: 0.50%; 1-Year S&P lntraday Pt-to-Pt Participation: 10%; 2-Year S&P lntraday Pt-to-Pt Participation: 10%; 1-Year S&P MARC5 Participation: 10%; 1-Year Barclays Focus50 Participation: 10%. Free withdrawals on fixed index annuities: Interest only first contract year, 10% of Account Value years 2+.
Rate hold: Applications must be received in good order at EquiTrust by the day prior to the rate effective date to hold previous rate. Rates on 1035 Exchanges and Transfers will be held for 60 days from the date the application and supporting documents are received at EquiTrust. Funds received after 60 days will receive the interest rate in effect when the funds are received.

Minimum Guaranteed Contract Values
MarketEdge Bonus Index, MarketPower Bonus Index, MarketValue Index, MarketSeven Index, MarketFive Index: 87.5% at 3.00%. MarketTen Bonus Index: 100% at 3.00% less surrender charges.

Income-Focused Annuities Account Options Current Rates
(as of 01/01/2025)		 Surrender Charges Ages Premium Riders
MarketEarly Income Index
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%.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500 Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500 Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

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%.
2.75%
4.50%
3.50%
45.00%
125.00%
110.00%
10 Years

9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%1

45-80 Flexible

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

IBR with chronic illness doubler

Nursing Home Waiver Rider

Terminal Illness Rider

MarketFuture Income Index
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%.
S&P 500 1-Year Point-to-Point Performance Trigger

Index credits will be based on the Performance Trigger Rate if the S&P 500 Index increases from the previous contract anniversary. The minimum Performance Trigger Rate is 1.0%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the S&P 500 Dynamic Intraday TCA Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
Barclays Focus50 1-Year Point-to-Point Participation

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%.
3.00%
5.00%
4.00%
50.00%
135.00%
120.00%
10 Years

9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%1

40-80 Flexible

Min: $10,000 NQ/Q

Min additional: $2,000

Max: $2,000,0002

IBR with chronic illness doubler

Nursing Home Waiver Rider

Terminal Illness Rider

1 May vary by state
2 Maximum cumulative premium is $2,000,000. Higher amounts require home office approval. After year 1, $250,000 per contract year

Minimum Guaranteed Rates for fixed index annuities: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Performance Trigger: 1.00%; 1-Year S&P lntraday Pt-to-Pt Participation: 10%; 1-Year S&P MARC5 Participation: 10%; 1-Year Barclays Focus50 Participation: 10%. Free withdrawals on fixed index annuities: Interest only first contract year, 10% of Account Value years 2+.
Rate hold: Applications must be received in good order at EquiTrust by the day prior to the rate effective date to hold previous rate. Rates on 1035 Exchanges and Transfers will be held for 60 days from the date the application and supporting documents are received at EquiTrust. Funds received after 60 days will receive the interest rate in effect when the funds are received.

Minimum Guaranteed Contract Values
MarketEarly Income Index, MarketFuture Income Index: 87.5% at 3.00%.

Index Annuity
with LTC		 Account Options Current Rates
(as of 08/28/2024)		 Surrender Charges Ages Premiums LTC Benefits Underwriting NeverStop Wellness Rider Fees Additional Riders
Bridge
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%.
S&P 500 1-Year Point-to-Point Participation 

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
Barclays Focus50 1-Year Point-to-Point Participation

Index credits are based on the percentage change in the Barclays Focus50 IndexTM from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation

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%.
4.50%
8.00%
45.00%
80.00%
145.00%
170.00%
10-Year1

 

9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%

55 - 801 Flexible

Minimum
$50,000 NQ

$2,000 Minimum Additional
$250,000 per Year Max Additional after year 1

Maximum First-year Coverage2
$1,000,000

Tax-free3

No receipts required

Payable monthly
for 60 months

Guaranteed approval

3 underwriting classes

Ability to
opt-out
 Automatically included1

Offers the Owner an individualized program to promote successful aging and the opportunity to earn additional LTC benefit credits through participation

1% Premium Load2

Monthly LTC Rider Charge

$100 Annual
Wellness Rider Charge
 Nursing Home Waiver

Terminal Illness

1 May vary by state
2 If Inflation Rider is chosen, the Maximum First-year Coverage decreases to $250,000 and the Premium Load is increased and varies by Issue Age and Risk Class 
3 Long-Term Care Benefits are typically tax-free under Internal Revenue Code Section 7702B. Generally, the maximum tax-free Long-Term Care Benefit payable from all coverage on the same insured is limited to the greater of actual qualified Long-Term Care expenses or the per diem rate established by the IRS. 

  • Minimum Guaranteed Rates for fixed index annuities: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Participation: 10%; 1-Year Pt-to-Pt Performance Trigger: 1.00%;1-Year Monthly Avg Participation: 10%; 1-Year Monthly Cap: 0.50%; 1-Year S&P Intraday Pt-to-Pt Participation: 10%; 2-Year S&P Intraday Pt-to-Pt Participation: 10%; 1-Year S&P MARC5 Participation: 10%; 1-Year Barclays Focus50 Participation: 10%. Free withdrawals on fixed index annuities: Interest only first contract year, 10% of Account Value years 2+.
  • Rate hold: Applications must be received in good order at EquiTrust by the day prior to the rate effective date to hold previous rate. Rates on 1035 Exchanges and Transfers will be held for 60 days from the date the application and supporting documents are received at EquiTrust. Funds received after 60 days will receive the interest rate in effect when the funds are received.
Multi-Year Guarantee Annuity Ages Premium Guarantee Period Current Rates
(as of 01/31/2025)		 Surrender Charges Free Withdrawals Death Benefit Riders
Certainty Select 0-90 Single

Minimum
$10,000 NQ/Q

Maximum
$2,000,0001

3 Years
5 Years
6 Years
8 Years
10 Years
5.00%
5.25%
5.30%
5.35%
5.50%

10, 10, 9%2

10, 10, 9, 9, 8%2

10, 10, 9, 9, 8, 8%2

10, 10, 9, 9, 8, 8, 7, 7%2

10, 10, 9, 9, 8, 8, 7, 7, 6, 5%2

Cumulative Interest Beginning Immediately Full Accumulation Value Nursing Home Waiver3

Terminal Illness

1 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
2 May vary by state
3 Available through age 80


• Minimum Guaranteed Contract Value for Certainty Select : 87.5% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract Rate (no lower than 1% and no higher than 3%).

Traditional Fixed Annuity Ages Premiums Premium Bonus Current Rates
(as of 10/24/2024)		 MVA Surrender Charges Free Withdrawals Riders
ChoiceFour
(Base Contract)
ChoiceFour
(MVA)
ChoiceFour
(Liquidity)
ChoiceFour
(Liquidity+ MVA)
0-85 First Year Only

Minimum
$10,000 NQ/Q

Maximum
$2,000,0001

None
1.50%
None
1.50%
4.50%
4.50%
4.00%
4.00%
None
Yes
None
Yes
9 Years2
12, 11, 10, 9, 8, 7, 6, 4, 2%
9 Years2
12, 11, 10, 9, 8, 7, 6, 4, 2%
6 Years2
12, 11, 10, 9, 8, 7%
6 Years2
12, 11, 10, 9, 8, 7%
Prior 12 months interest
Prior 12 months interest
Interest only on 1st contract year3, 10% of Account Value years 2+
Interest only on 1st contract year3, 10% of Account Value years 2+
Nursing Home Waiver4

Terminal Illness

1 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.
2 May vary by state 
3 By Current Company Practice
4 Available through age 80


• Minimum Guaranteed Contract Value for ChoiceFour: 100% of premium minus withdrawals, accumulated at the Minimum Guaranteed Contract rate (no lower than 1% and no higher than 3%), less surrender charges.

Single Premium Immediate Annuity Ages Annuity Options $100,000 Premium Minimum Payment Payment Modes Premium Additional Notes
Current Rates
(as of 10/24/2024)		 Monthly Payment
Confidence Income Annuity
0-90
0-85
Fixed Period
5-20 Years
Single & Joint Life
5-Years
10-Years
15-Years
20-Years
Life Only-Male 65
Life Only-Female 65
Joint Life-M 65/F 65
$1,818.42
$1,030.19
$773.61
$642.14
$643.50
$593.66
$528.95
$100 Monthly

Quarterly

Semi-Annually

Annually 		Single

Minimum
$30,000 NQ/Q

Maximum
$2,000,0001

Payments may vary in states with Premium Tax:
CA, CO, ME, NV, SD, WY
Life payments may vary by qualified type

 

1 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.

Single Premium Indexed Life Account Options Current Rates
(as of 03/01/2024)		 Surrender Charges Ages Premiums Life - Underwriting Riders
WealthMax
Bonus Life
1-Year Interest
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%.
S&P 500 1-Year Point-to-Point Performance Trigger
S&P 500 1-Year Monthly Average Participation

Index credits are based on the percentage change in the S&P 500® Index monthly average from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation
Barclays Focus50 1-Year Point-to-Point Participation
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation
5.00%
10.00%
8.00%
100.00%
80.00%
185.00%
200.00%
10 Years

 

12, 12, 12, 12, 11,
10, 8, 6, 4, 2%

Insured:  45- 80

As of policy effective date

Single

Minimum
$10,000

Maximum Initial Death Benefit
$1,000,000

Simple, digital,
immediate decision

 

Classes:
Tobacco / Non-tobacco

Accelerated Death Benefit1

Longevity Benefit2

Return of Premium

1 Death Benefit may be accelerated for qualifying conditions: terminal illness, nursing care confinement or chronic care.
2 Longevity Benefit provides access to death benefit in the form of monthly income payments after 15 years and attained age 85 if no prior withdrawals, loans or accelerated death benefit payments have been exercised.

  • Minimum Guaranteed Rates for fixed index annuities: 1-Year Interest: 1.00%; 1-Year Pt-to-Pt Cap: 1.00%; 1-Year Pt-to-Pt Participation: 10%; 1-Year Pt-to-Pt Performance Trigger: 1.00%;1-Year Monthly Avg Participation: 10%; 1-Year Monthly Cap: 0.50%; 1-Year S&P Intraday Pt-to-Pt Participation: 10%; 2-Year S&P Intraday Pt-to-Pt Participation: 10%; 1-Year S&P MARC5 Participation: 10%; 1-Year Barclays Focus50 Participation: 10%. Free withdrawals on fixed index annuities: Interest only first contract year, 10% of Account Value years 2+.
  • Rate hold: Applications must be received in good order at EquiTrust by the day prior to the rate effective date to hold previous rate. Rates on 1035 Exchanges and Transfers will be held for 60 days from the date the application and supporting documents are received at EquiTrust. Funds received after 60 days will receive the interest rate in effect when the funds are received.

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