MarketFive Index

Product Detail

Applicant Ages: 0-90
Premium Minimum: $10,000 NQ/Q, Max: $2 million
Premium: Flexible; $2,000 Additional
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: 5 Years
- 9, 8, 7, 6.5, 5.5%
Penalty-Free Withdrawals: 10% beginning year 2
Death Benefit: Full Accumulation Value
Guaranteed Accumulation Value benefit: At the end of year 5, the Accumulation Value will be no less than 105% of premiums, less withdrawals, less buy-up account fees
Nursing Home Waiver Rider
Terminal Illness Rider

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketFive Index

Effective May 09, 2025

(Rates Effective Since Jan 01, 2025)

Account Options	Current Rate
1-Year Interest	4.25%
S&P 500 1-Year Point-to-Point Cap	7.50%
S&P 500 1-Year Point-to-Point Cap with Buy-Up	10.00%
S&P 500 1-Year Point-to-Point Participation with Buy-Up	60.00%
S&P 500 1-Year Point-to-Point Performance Trigger	6.50%
S&P 500 1-Year Monthly Average Participation	75.00%
S&P 500 1-Year Monthly Cap	2.00%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation	65.00%
S&P 500 Dynamic Intraday TCA 2-Year Point-to-Point Participation	90.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation	180.00%
Barclays Focus50 1-Year Point-to-Point Participation	160.00%

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 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 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 IndexTM 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,

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

Surrender Charge Variation

No MVA

Current Form Date	Title	Number
2021/09/29	Agent Gateway Website	ET-GATEWAY
2025/03/05	All Product Summary	ET-GEN-BR-ALLPROD
2025/03/05	Annuitant Alignment on Transfer	ET-ANNFNDREQ
2024/02/02	Annuity New Business Checklist	ET-ANN-CKLIST
2023/11/01	Annuity Suitability Agent User Guide	ET-3107
2019/11/05	Annuity Training User Guide	ET-REGED
2022/08/24	Barclays Focus50 Index Client Brochure	ET-BARCFOC50-1100
2025/03/05	Commission Bonus Special Flyer	ET-MULTI-FLR-CMSPCL
2024/08/28	Commission Options	ET-MV-FLR-TRLCOMP
2024/12/16	Delegate Account User Guide	ET-GEN-BR-DELEGATEACCT-AGT
2025/03/07	Disclosure & Comparison of Products - MarketFive Index - CA (Legacy)	ET-MK5-4901CA-LEGACY
2025/03/07	Disclosure & Comparison of Products - MarketFive Index - Generic (Legacy)	ET-MK5-4901-LEGACY
2025/03/07	Disclosure & Comparison of Products - MarketFive Index - MN (Legacy)	ET-MK5-4901MN-LEGACY
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
2025/03/05	EquiTracker Status Definitions	ET-EQUITRACKER-STATUSDEF
2025/03/05	EquiTracker User Guide	ET-EQTRACKER-GUIDE
2023/02/15	EquiTrust Advertising Requirements	ET-ADREQ
2024/03/29	EquiTrust Agent App Overview	ET-GEN-FLR-MBLAPP-OVERVIEW
2024/04/30	EquiTrust Agent App Quick Start Guide	ET-GEN-FLR-MBLAPP
2019/09/18	EquiTrust Client Portal Flyer	ET-MYEQUITRUST
2024/05/20	EquiTrust Contact Information	ET-5000
2025/04/16	EquiTrust Corporate Brochure	ET-GEN-BR-1000
2025/04/18	EquiTrust Letter of Financial Condition - Producer Use Only	ET-GEN-FLR-LFC
2023/09/05	EquiTrust Pocket Folder	ET-FDR-1001A
2024/08/27	EquiTrust S&P 500 Dynamic Intraday TCA Index	ET-GEN-FLR-STR-DII
2023/10/30	EquiTrust Wire-Transfer Instructions	ET-WIRETRANSFER
2024/02/09	Fixed Annuity Sales Presentation	ET-GEN-BR-1001
2024/02/09	Fixed Annuity Sales Presentation - PowerPoint	ET-GEN-BR-1001PP
2020/09/17	Goldman Sachs Dynamo Strategy Index	ET-DYNAMO
2024/04/23	Guidelines for IRA Beneficiaries Under the SECURE Act	ET-GEN-FLR-IRA
2022/12/30	Income, Assets, and Expenses Inventory	ET-RINCOME
2022/08/31	Index Annuities Eliminate the Stress of Market Losses	ET-LOSSRECOVERY
2024/02/09	Index Annuity Sales Presentation	ET-GEN-BR-1002
2024/02/09	Index Annuity Sales Presentation - PowerPoint	ET-GEN-BR-1002PP
2024/06/01	Index Strategy Description: 1-Year Point-to-Point Performance Trigger	ET-GEN-FLR-PT
2017/02/03	Index-Strategy Description: 1-Year Average Participation	ET-AP
2017/02/03	Index-Strategy Description: 1-Year Daily Average Cap	ET-AC
2017/02/03	Index-Strategy Description: 1-Year Monthly Average Cap	ET-ACMV
2017/02/03	Index-Strategy Description: 1-Year Monthly Cap	ET-MC
2017/02/03	Index-Strategy Description: 1-Year Point-to-Point Cap	ET-PTP
2020/03/03	Index-Strategy Description: 1-Year Point-to-Point Participation	ET-PTPP
2022/11/29	Inherited/Stretch IRA Client Brochure	ET-INHERSTRCHIRA
2023/01/31	Inherited/Stretch IRA Rules	ET-INHRSTRCHRULES
2025/03/05	Interest Rate Summary	ET-GEN-FLR-RATES
2024/09/09	Internal Transfer Program Flyer	ET-GEN-FLR-ITP
2025/03/05	MarketFive Agent Guide	ET-MK5-BR-1102
2025/04/01	MarketFive Competitive Advantages Flyer	ET-MK5-FLR-CADV
2025/03/05	MarketFive Disclosure - Generic - Legacy	ET-MK5-1101-LEGACY
2025/03/05	MarketFive Disclosure - ND - Legacy	ET-MK5-1101ND-LEGACY
2025/03/05	MarketFive Disclosure - NJ - Legacy	ET-MK5-1101NJ-LEGACY
2025/03/05	MarketFive Disclosure - WI - Legacy	ET-MK5-1101WI-LEGACY
2025/03/05	MarketFive Index Client Brochure	ET-MK5-BR-1100
2023/04/06	MVA Impact on Fixed Index Annuities	ET-GEN-FLR-MVA
2021/09/29	Online Marketing Resources	ET-5002
2024/09/04	Partial Tax Conversion	ET-PTAX
2024/06/01	S&P 500 Dynamic Intraday Brochure	S&P 500 Dynamic Intraday Brochure
2022/09/07	S&P MARC 5% Excess Return Client Brochure	SPMARC5BROCHURE
2025/04/01	S&P500 Historical Analysis	ET-SP500-HISTORICAL
2025/03/05	Transition Rules	ET-MULTI-OT-TRANSRULS
2021/07/01	Upload a Doc User Guide	ET-UPLOADADOC.PDF
2024/08/27	Ward's 50	ET-WARDS50
2024/01/04	Wizard User Guide	ET-GEN-BR-WUG