SALES WEEK: Designed for Accumulation – MarketValue Index

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An index annuity for clients seeking...

• Growth potential available from higher cap and participation rates, or
• Growth that may elevate lifetime income later through strong IBR Benefit Base growth

Flexible-premium, client-friendly index annuity offering:

• Flexible-premium, 10-year, deferred, index annuity
• Issue ages 0-80; no commission reduction on first-year premium; reduced commission for premium years 2-5
• 10% free withdrawals after year 1
• Nursing home waiver and terminal illness rider
• Full accumulation value at death
• Optional income rider with stackable rollup:
  10% Benefit Base bonus, 3% + index/interest credits for up to 10 years

Renewal-Rate Stability in a Declining-Rate Environment

Do declining new-money rates mean that once an index-annuity contract is issued, the renewal rates will decline also? Not with MarketValue Index. The 1-Year Point-to-Point Participation strategy – which tends to be more sensitive to market changes than other strategies – shows a strong renewal-rate history. A lookback to when the strategy was added in November, 2017 shows that renewal rates either stayed the same or increased. No renewal-rate declines.

MarketValue Index

1-Year Point-to-Point Participation Account Participation Rates

Renewal-Rate History – On Display

We're very proud of this history. So much so that we make our renewal rates readily available at Agents.EquiTrust.com, at the 'Interest Rates' Quick Link. While renewal rates may decrease in the future, this resiliency during a period of declining rates demonstrates the integrity that drives EquiTrust renewal-rate-setting practices.

Sales Resources

Agent Guide

Client Brochure

Client-Use Flyer

Illustrations

MarketValue Index Can Help Grow Your Business for the Long-Term

Trail options provide annual commission payments as long as the annuity has an accumulation value. Consider these commission-payment options on your next MarketValue Index sale:

7.0% Upfront – Option A

3.5% Upfront + 0.5% Trail – Option B

1.0% Annual Trail – Option C

See How Much You Can Earn Over 20 Years, click here. 

To view  Frequently Asked Questions on Trail Commission Options, click here.

Contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). 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); ICC18-430-NHW(06-18) or 430-NHW(08-03); 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.