MarketFuture Bonus Income Index

Product Detail

Applicant Ages: 40-80
Premium Minimum: $10,000 NQ/Q, Max: $2 million
Premium: Flexible; $2,000 Additional
Premium Bonus: 8% first-year premium, also applies to Benefit Base
Accounts: 1 fixed-rate; 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
- 10, 10, 10, 10, 8.5, 7, 5.5, 4, 3, 1.5%
Penalty-Free Withdrawals: 10% beginning year 2
Death Benefit: Full Accumulation Value
Nursing Home Waiver Rider
Terminal Illness Rider
IBR with Chronic Illness Doubler
- Benefit Base: Premium plus 8% premium bonus on first-year premium, compounded at 8% in years 1-10
- Income Withdrawals: May begin after first year and age 50
- Enhanced Income Withdrawals: 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 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
  - 8% bonus applied to Accumulation Value and Benefit Base for all first-year premiums, compounded at 8% for up to 10 years or until income withdrawals begin

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketFuture Bonus Income Index

Effective February 09, 2026

(Rates Effective Since Jan 01, 2026)

Account Options	Current Rate
1-Year Interest	3.50%
S&P 500 1-Year Point-to-Point Cap	6.00%
S&P 500 1-Year Point-to-Point Performance Trigger	5.00%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation	55.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation	140.00%
Barclays Focus50 1-Year Point-to-Point Participation	125.00%

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%.

MKFuture26 1YR DYNAMIC INTRADAY P2P PART
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 StrategyTM
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

No MVA

CA, DE

Current Form Date	Title	Number
2025/09/12	2025 Tiered Compensation Plan	ET-GEN-FLR-TIEREDCOMP-2025
2026/02/01	2026 Tiered Compensation Plan	ET-GEN-FLR-TIEREDCOMP-2026
2024/01/29	Advantages of Index Annuity Downside Protection	ET-PTPPHISTEX
2026/02/03	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
2025/07/15	Commission Options	ET-MV-FLR-TRLCOMP
2026/02/04	Competitive Income Benefit Riders Flyer	ET-IBR-FLR-CADV
2024/12/16	Delegate Account User Guide	ET-GEN-BR-DELEGATEACCT-AGT
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
2025/07/10	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
2024/09/04	EquiTrust Business Guidelines	ET-BUSGDLNS
2019/09/18	EquiTrust Client Portal Flyer	ET-MYEQUITRUST
2024/05/20	EquiTrust Contact Information	ET-5000
2025/08/05	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
2026/02/04	IBR Competitor Comparison Flyer	ET-IBR-FLR-COMPARISON
2025/03/05	IBR Fee Structure	ET-IBR-FLR-FEES
2026/02/04	Income Benefit Rider (IBR) Comparison Heatmap	ET-IBR-FLR-HEATMAP
2024/04/05	Income for Life Sales Presentation	ET-IBR-BR-1003
2022/12/30	Income, Assets, and Expenses Inventory	ET-RINCOME
2025/08/14	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
2025/10/16	Index Strategy Description: 1-Year Point-to-Point Performance Trigger	ET-GEN-FLR-PT
2025/10/16	Index-Strategy Description: 1-Year Point-to-Point Cap	ET-GEN-FLR-PTP
2022/11/29	Inherited/Stretch IRA Client Brochure	ET-INHERSTRCHIRA
2023/01/31	Inherited/Stretch IRA Rules	ET-INHRSTRCHRULES
2026/02/03	Interest Rate Summary	ET-GEN-FLR-RATES
2025/06/13	Internal Transfer Program Flyer	ET-GEN-FLR-ITP
2026/02/04	MarketFuture Bonus Income Client Brochure	ET-MFB-BR-1100
2026/02/04	MarketFuture Bonus Income Index Agent Guide	ET-MFB-BR-1102
2025/10/02	Mathemagic - Index Strategy Flyer	ET-SMB-FLR-MTHMGC
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
2025/05/30	PTC Roth Concept Flyer	ET-GEN-FLR-ROTH
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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
2025/12/01	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
2025/08/12	Ward's 50	ET-GEN-FLR-WARDS50
2025/09/30	Wizard User Guide	ET-GEN-BR-WUG