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Sales Tip: Benefits of Bonus Index Annuity in Today’s Environment


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Sales Tip

Benefits of a Bonus Annuity in Today's Environment


Choosing between a bonus index annuity and a non-bonus index annuity involves assessing the tradeoffs between the two product designs.


New Flyer! Bonus vs Non-Bonus Comparison – click here



Non-bonus index annuities typically feature higher rates for greater long-term accumulation potential.  A bonus index annuity gives 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


Growth Comparison

See the historical growth of 10% bonus with a 3% point-to-point cap compared to no bonus and 5% point-to-point cap, for both the best and worst S&P 500 10-year periods for the past 20 years,
click here.


Competitive Bonus and Accumulation-Focused Index Annuities – click here


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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