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MarketEdge Bonus Index


Product Detail

  • Applicant Ages: 0-80
  • Premium Minimum: $10,000 NQ/Q, Max: $2 million
  • Premium: 1st year only, $2,000 Additional
  • 20% Bonus over three years: 8% Premium Bonus at issue, and 4% Accumulation Value bonuses on first three contract anniversaries
  • Accounts: 1 fixed-rate; 10 index-linked: 6 S&P 500, 2 S&P 500 Dynamic Intraday TCA, 1 S&P MARC 5%, 1 Barclays Focus50
  • Surrender Charges: 10 Years
    • 16, 14.5, 13, 11.5, 9.5, 8, 6.5, 5, 3, 1%
  • Penalty-Free Withdrawals: 10% beginning year 2
  • Death Benefit: Full Accumulation Value
  • Nursing Home Waiver Rider
  • Terminal Illness Rider

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketEdge Bonus Index

Effective April 03, 2025
(Rates Effective Since Jan 01, 2025)
Account Options Current Rate
1-Year Interest 2.00%
S&P 500 1-Year Point-to-Point Cap 3.50%
S&P 500 1-Year Point-to-Point Cap with Buy-Up 5.00%
S&P 500 1-Year Point-to-Point Participation with Buy-Up 35.00%
S&P 500 1-Year Point-to-Point Performance Trigger 3.00%
S&P 500 1-Year Monthly Average Participation 40.00%
S&P 500 1-Year Monthly Cap 1.25%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation 30.00%
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation 45.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation 85.00%
Barclays Focus50 1-Year Point-to-Point Participation 80.00%


Fixed-Rate Account
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® Index crediting strategies
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%.

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.

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.

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%.

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%.

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 Index crediting strategy
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%.

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 Index Crediting Strategy
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 IndexTM Crediting Strategy
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%.

 

Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.

Product State Approvals


  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Product State Variations


Surrender Charge Variation
CA, DE

No MVA
CA
Current Form Date2021/09/29 TitleAgent Gateway Website Number ET-GATEWAY
Current Form Date2025/03/05 TitleAll Product Summary Number ET-GEN-BR-ALLPROD
Current Form Date2025/03/05 TitleAnnuitant Alignment on Transfer Number ET-ANNFNDREQ
Current Form Date2023/11/01 TitleAnnuity Suitability Agent User Guide Number ET-3107
Current Form Date2022/08/24 TitleBarclays Focus50 Index Client Brochure Number ET-BARCFOC50-1100
Current Form Date2025/03/05 TitleCommission Bonus Special Flyer Number ET-MULTI-FLR-CMSPCL
Current Form Date2025/03/05 TitleEquiTracker Status Definitions Number ET-EQUITRACKER-STATUSDEF
Current Form Date2025/03/05 TitleEquiTracker User Guide Number ET-EQTRACKER-GUIDE
Current Form Date2024/05/20 TitleEquiTrust Contact Information Number ET-5000
Current Form Date2023/10/30 TitleEquiTrust Wire-Transfer Instructions Number ET-WIRETRANSFER
Current Form Date2025/03/05 TitleInterest Rate Summary Number ET-GEN-FLR-RATES
Current Form Date2024/09/09 TitleInternal Transfer Program Flyer Number ET-GEN-FLR-ITP
Current Form Date2025/03/05 TitleMarketEdge Bonus Agent Guide Number ET-MEB-BR-1102
Current Form Date2025/03/05 TitleMarketEdge Bonus Client Brochure Number ET-MEB-BR-1100
Current Form Date2022/09/07 TitleS&P MARC 5% Excess Return Client Brochure Number SPMARC5BROCHURE
Current Form Date2025/03/05 TitleTransition Rules Number ET-MULTI-OT-TRANSRULS
Current Form Date2024/01/04 TitleWizard User Guide Number ET-GEN-BR-WUG

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