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MarketEarly Income Index


Product Detail

  • Applicant Ages: 45-80
  • Premium Minimum: $10,000 NQ/Q, Max: $2 million
  • Premium: Flexible; $2,000 Additional
  • Accounts: 5 index-linked: 2 S&P 500, 1 S&P 500 Dynamic Intraday TCA, 1 S&P MARC 5%, 1 Barclays Focus50
  • Surrender Charges: 10 Years
    • 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%
  • Penalty-Free Withdrawals: 10% beginning year 2
  • Death Benefit: Full Accumulation Value
  • Nursing Home Waiver Rider
  • Terminal Illness Rider
  • Income Benefit Rider (IBR) with Chronic Illness Doubler
    • Benefit Base: 15% Benefit Base Bonus for premiums received in year 1, less withdrawals, compounded at 7% in years 1-5, 4% in years 6-10
    • Income Withdrawals: May begin after first year and age 50
    • Enhanced Income Withdrawals (Chronic Illness Doubler): Income withdrawal amount increased by 100% for single-life owner (50% for joint owners) for up to five years in event of chronic Illness or permanent severe cognitive impairment
    • IBR fee: 1.25% of the Accumulation Value, annually
    • Competitive IBR Features
      • Pays lifetime income even if the contract's Accumulation Value is depleted
      • Rider payments may be doubled for up to five years in the event of a chronic illness (up to 50% for joint owners); included at no additional cost.
        • No confinement required – two of six activities of daily living (ADLs)
        • Also applied to permanent severe cognitive impairment
        • Withdrawals may continue even if the Accumulation Value is depleted
        • Approved in all states
      • Upon spousal continuation of lifetime payments with single life payout, income is recalculated based on spouse age and continues for their life
      • 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, plus a 15% first-year Benefit Base bonus on premiums paid, less withdrawals, compounded at 7% in years 1-5 and 4% in years 6-10

 

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketEarly Income Index

Effective April 01, 2025
(Rates Effective Since Jan 01, 2025)
Account Options Current Rate
1-Year Interest 2.75%
S&P 500 1-Year Point-to-Point Cap 4.50%
S&P 500 1-Year Point-to-Point Performance Trigger 3.50%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation 45.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation 125.00%
Barclays Focus50 1-Year Point-to-Point Participation 110.00%


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 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 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%.

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,
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
CA

No MVA
CA
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
2023/11/01 Annuity Suitability Agent User Guide ET-3107
2022/08/24 Barclays Focus50 Index Client Brochure ET-BARCFOC50-1100
2025/03/05 Commission Bonus Special Flyer ET-MULTI-FLR-CMSPCL
2025/03/13 Competitive Income Benefit Riders Flyer ET-IBR-FLR-CADV
2025/03/05 EquiTracker Status Definitions ET-EQUITRACKER-STATUSDEF
2025/03/05 EquiTracker User Guide ET-EQTRACKER-GUIDE
2024/05/20 EquiTrust Contact Information ET-5000
2023/10/30 EquiTrust Wire-Transfer Instructions ET-WIRETRANSFER
2025/03/05 IBR Fee Structure ET-IBR-FLR-FEES
2025/03/05 Interest Rate Summary ET-GEN-FLR-RATES
2024/09/09 Internal Transfer Program Flyer ET-GEN-FLR-ITP
2025/03/05 MarketEarly Income Agent Guide ET-MEI-BR-1102
2025/03/05 MarketEarly Income Client Brochure ET-MEI-BR-1100
2022/09/07 S&P MARC 5% Excess Return Client Brochure SPMARC5BROCHURE
2025/03/05 Transition Rules ET-MULTI-OT-TRANSRULS
2024/01/04 Wizard User Guide ET-GEN-BR-WUG

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