MarketFuture Income Index

Product Detail

Applicant Ages: 40-80
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: 10% Benefit Base Bonus for premiums received in year 1, less withdrawals, compounded at 8% in years 1-10
- 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 10% first-year Benefit Base bonus on premiums paid, less withdrawals, compounded at 8% in years 1-10, or the start of income withdrawals.

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketFuture Income Index

Account Options	Current Rate
1-Year Interest	3.00%
S&P 500 1-Year Point-to-Point Cap	5.00%
S&P 500 1-Year Point-to-Point Performance Trigger	4.00%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation	50.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation	135.00%
Barclays Focus50 1-Year Point-to-Point Participation	120.00%

Fixed-Rate Account
1-Year Fixed
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

No MVA

CA, DE

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
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
2025/03/13	Competitive Income Benefit Riders Flyer	ET-IBR-FLR-CADV
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
2024/04/30	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
2025/04/18	EquiTrust Letter of Financial Condition - Producer Use Only	ET-GEN-FLR-LFC
2023/09/05	EquiTrust Pocket Folder	ET-FDR-1001A
2023/10/30	EquiTrust Wire-Transfer Instructions	ET-WIRETRANSFER
2024/04/23	Guidelines for IRA Beneficiaries Under the SECURE Act	ET-GEN-FLR-IRA
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	MarketFuture Income Agent Guide	ET-MFI-BR-1102
2025/03/05	MarketFuture Income Client Brochure	ET-MFI-BR-1100
2021/09/29	Online Marketing Resources	ET-5002
2022/09/07	S&P MARC 5% Excess Return Client Brochure	SPMARC5BROCHURE
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