MarketMax Index

Product Detail

Applicant Ages: 0-80
Premium Minimum: $10,000 NQ/Q, Max: $2 million
Flexible Premium; $2,000 Additional
Accounts: 1 fixed-rate; 4 Non-Fee Based index-linked: 3 S&P 500 and 1 S&P MARC 5%; 4 Rate Buy-Up index-linked: 2 S&P 500, 1 Barclays Focus50 and 1 S&P MARC 5%
Fee: 1.00%
Surrender Charge: 10 Years
Penalty-Free Withdrawals: 10% beginning year 2
Death Benefit: Full Accumulation Value
Nursing Home Waiver
Terminal Illness Rider

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketMax Index

Effective December 21, 2024

(Rates Effective Since Aug 28, 2024)

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 Performance Trigger	6.50%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation	65.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation	180.00%
S&P 500 1-Year Point-to-Point Cap with Fee	9.00%
S&P 500 1-Year Point-to-Point Participation with Fee	55.00%
Barclays Focus50 1-Year Point-to-Point Participation with Fee	200.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Par with Fee	225.00%

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 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%.

MARC 5% 1-Year Point-to-Point Participation
Index increase based on the point-to-point change in the S&P MARC5 Index each year. Participation Rate applied to index increase and credited annually. Participation Rate may change annually (minimum 10%).

S&P 500 1-Year Point-to-Point Cap with Fee
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 will have a higher cap rate than the PTP Cap Account, due to the 1.50% fee charged to the Account Value in this Account.

S&P 500 1-Year Point-to-Point Participation with Fee
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 will have a higher cap rate than the PTP Cap Account, due to the 1.00% fee charged to the Account Value in this Account.

Focus50 1-Year Point-to-Point Participation with Fee
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%. A 1.00% fee will be charged to the Account Value in this Account.

MARC 5% 1-Year Point-to-Point Participation with Fee
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%. This account will have a higher participation rate than the MARC5 PTP Part Account, due to the 1.00% fee charged to the Account Value in this Account

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
2024/01/29	Advantages of Index Annuity Downside Protection	ET-PTPPHISTEX
2021/09/29	Agent Gateway Website	ET-GATEWAY
2024/02/02	Annuity New Business Checklist	ET-ANN-CKLIST
2023/11/01	Annuity Suitability Agent User Guide	ET-3107
2022/08/24	Barclays Focus50 Index Client Brochure	ET-BARCFOC50-1100
2024/08/28	Commission Options	ET-MV-FLR-TRLCOMP
2024/12/16	Delegate Account User Guide	ET-GEN-BR-DELEGATEACCT-AGT
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
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
2024/07/17	EquiTrust Corporate Brochure	ET-GEN-BR-1000
2024/04/12	EquiTrust Letter of Financial Condition - Producer Use Only	ET-GEN-FLR-LFC.PDF
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
2023/10/27	EquiTrust's Competitive Advantages	ET-GEN-FLR-CADV
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
2024/06/01	Index Strategy Description: 1-Year Point-to-Point Performance Trigger	ET-GEN-FLR-PT
2017/02/03	Index-Strategy Description: 1-Year Point-to-Point Cap	ET-PTP
2022/11/29	Inherited/Stretch IRA Client Brochure	ET-INHERSTRCHIRA
2023/01/31	Inherited/Stretch IRA Rules	ET-INHRSTRCHRULES
2024/08/28	Interest Rate Summary	ET-GEN-FLR-RATES
2024/09/09	Internal Transfer Program Flyer	ET-GEN-FLR-ITP
2024/06/05	MarketMax Agent Guide	ET-MMAX-BR-1102
2024/06/01	MarketMax Client Brochure	ET-MMAX-BR-1100
2024/08/28	MarketMax Competitive Advantages Flyer	ET-MMAX-FLR-CADV
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
2024/12/01	S&P500 Historical Analysis	ET-SP500-HISTORICAL
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