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Sales Idea: Annual Index Credits with 2-Year Strategy Rates!


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Sales Tip

Offer Your Index Annuity Clients 2-Year Cap and Participation Rates ANNUALLY!


Do your clients like the rates available on 2-Year index accounts...but prefer to earn their index credits annually?



By staggering allocations, your clients can earn higher rates associated with 2-year accounts annually!


Here’s how: at the time of purchase, allocate 50% to a 1-year crediting strategy and 50% to a 2-year crediting strategy.  Then, at the first contract anniversary, reallocate the 1-year allocation to a 2-year crediting strategy.  Half their premium will earn index credits each year!


Diversify Indices While Adding a Risk-Control Component

Each EquiTrust index annuity features a choice of 2-year crediting strategies. One is an average-cap strategy based on the S&P 500. The other is a point-to-point participation strategy based on the Barclays Focus50 Index – seeking growth through exposure to US stocks and Treasury indices while limiting volatility.


By allocating premium between these two accounts and indices, your clients achieve growth potential, risk control, index diversification, and the higher rates of 2-year index accounts!


Questions? Call Sales Support
866-598-3694 or visit
the Agent Website at


EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice. 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.





7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

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