Sales Tip: The Advantages of a Premium Bonus

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Sales Tip

Non-bonus index annuities typically feature higher rates for greater long-term accumulation potential. On the other hand, bonus index annuities give buyers an early boost on accumulation values.

Are there advantages to choosing a bonus over a non-bonus product?  For some clients…YES!

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

10% Premium Bonus!
MarketPower Bonus Index^®
14-Year Design* – First-year premiums only

6% Premium Bonus!
MarketTen Bonus Index^®
10-Year Design – Flexible Premium
• Bonus applies to all premium in years 1-5
• Return of Premium Guarantee

Bonus Immediately Added to Accumulation Value – No Vesting!

Plus! Both Annuities Feature
• Nursing Home and Terminal Illness Waivers
• Rider payments doubled with Chronic Illness
• Broad State Approvals

Competitive Bonus and Accumulation-Focused Index Annuities – click here

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.