SALES WEEK: Return of Premium + Bonus = MarketTen Bonus Index

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Your weekly source for webinar information and registration, as well as effective sales ideas.

Sales Tip

Concerns with job and income security have pushed some clients to a “wait-and-see” perspective. 

Help your clients get back on track by offering index-linked growth … a return of premium guarantee … and a premium bonus.

MarketTen Bonus Index Annuity

10-year design

6% premium bonus – premiums added first 5 years; no vesting

Stock and risk-control index options

Income Rider available

6% MGA commission

Return of Premium Guarantee

In the event of a full surrender, the owner will receive no less than the paid premium, less any partial withdrawals taken.

Client Benefits

• Protection against unexpected financial needs or emergencies
• Satisfaction in the purchase decision
• Supports confidence in the carrier

Agent Benefits

• Product differentiation with competitors
• Helps overcome objections to surrender charges
• Flexibility to offer multiple product features

Premium Bonus

A bonus index annuities give buyers an early boost on accumulation values.  Circumstances that may support a bonus index annuity:

• Shorter-term, penalty-free access for wealth transfer, annuitization, or income rider withdrawals
• 10% penalty-free withdrawals may be higher in early years (bridge to Social Security benefits)
• Recovery from underperforming product
• Low index performance
• Low interest rates

MarketTen Bonus Index Resources

• When Does a Premium Bonus Make Sense?
• Index Strategy Diversification Flyer – MarketTen Bonus
• Advantages of Annuity Downside Protection
• Index Annuity Sales Presentation
• MarketTen Bonus Index Agent Guide
• MarketTen Bonus Index Client Brochure
• Annuity Products Summary

Contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18) or ET-MTB-2000(06-07). Riders issued on Form Series ICC16-ET-IBR-FIXED(07-16) or ET-IBR(06-08); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17); ICC17-ET-FIXED-MVA(02-17); ICC17-ET-FIXED-ROP(02-17) or ET-FIXED-ROP(02-17); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). Products underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services. EquiTrust.com. For Producer Use Only.