Skip to main content

Sales Week: Competitive Income Benefit Riders = income your clients can’t outlive

Sales week header image


Income Benefit Riders make it all possible

Mature couple eating lunch outside image

Have clients with concerns they’ll “run out” of retirement income? With the optional Income Benefit Riders (IBRs) available on several EquiTrust fixed index annuities (FIAs), your clients can cross this worry off the list.


IBR advantages

Each FIA features a unique IBR that pays out a lifetime stream of income without annuitization1, even if the contract’s Accumulation Value (AV) is depleted.


Plus, all our IBRs feature a range of valuable advantages for your clients.

The optional IBR is available on these EquiTrust products:

  • MarketPower Bonus Index®
  • MarketTen Bonus Index®
  • MarketValue Index®
  • MarketSeven Index®


How it works

Spousal continuation

With single life payout, income is recalculated based on spouse age and continues for their life

Enhanced Income Withdrawals (chronic illness doubler)

  • Income withdrawal amounts doubled for up to five years in the event of a chronic illness (up to 50% for joint owners), and stay doubled even if the Account Value reaches $0
  • Included at no additional cost
  • No confinement required — inability to perform 2 of 6 ADLs or permanent cognitive impairment
  • Approved in all states

Inherited IRAs

Available for Inherited IRAs2

IBR annual fee based on AV

Not the faster growing Benefit Base

Flexibility and control

Client may start and stop income payments when needed


Plus! Our IBRs offer competitive rollup designs. The Benefit Base is equal to all premiums and premium bonuses (if applicable), less withdrawals, compounded at a defined rate, for either 7 or 10 years. The faster the Benefit Base accumulates, the greater the income.

IBR flyer


Inherited and Stretch IRA business

Did you know EquiTrust accepts both Inherited and Stretch IRAs for new sales?

Call Sales Support at (866) 598-3694 to get more details.

Internal transfer program
Retain and reposition business — and earn full compensation — with our internal transfer program. All EquiTrust traditional fixed and fixed index annuities outside of their surrender period can be transferred to any product currently offered by EquiTrust, with the exception of Confidence Income®

Internal Transfer Program flyer

We’re happy to provide more information about our Income Benefit Riders and how they can help your clients meet their income goals. Call us at (866) 598-3694.

EquiTrust logo
NAFA logo

Active Member


1 Annuitization prior to the Income Date is not offered in TX.

2 For Inherited IRAs, the IBR does not continue upon the death of the beneficiary/owner. Withdrawals before age 59½ may result in a 10% IRS penalty tax.


Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company.


MarketPower Bonus Index 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). MarketTen Bonus Index 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). MarketValue Index riders issued on Form Series ICC15-ET-IBR-STR(04-15) or ET-IBR-STR(04-15); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17). MarketSeven Index riders issued on Form Series ICC16-ET-IBR- FIXED(07-16) or ET-IBR-FIXED(07-16); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17).


EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. For Producer Use Only. © EquiTrust 2023. All Rights Reserved.

0292-IBR-EM-SW (04-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


scroll to top of page