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Sales Week: EquiTrust makes systematic Partial Tax Conversion flexible and easy!

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EquiTrust makes it easy

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If you’re like many agents, your clients may be asking you about Roth IRAs, and potentially converting over from another vehicle.


Good news — we make it easy. Partial Tax Conversion (PTC) is available on any Qualified, inforce EquiTrust deferred annuity. With a PTC, your clients with an EquiTrust Traditional, SEP or SIMPLE IRA can transfer money over time into a Roth IRA contract.


What are the advantages of systematically transferring money to a Roth IRA?

  • Your client has more control over when they pay taxes — they have the option to spread taxes out over a period of time rather than having to pay them all at once.

  • Your client determines when and how much to convert (one PTC allowed per contract year).
  • Paying taxes now on partial conversion amounts while your client may be in a lower tax bracket may offer tax advantages.

Why transfer to a Roth IRA?

  • Potential for tax-free growth
  • Tax-free distributions after age 59½1
  • No Required Minimum Distributions (RMDs)
  • Nontaxable income for beneficiaries2
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Plus! We’ll do tax withholding at the time of conversion, generating the 1099R for your client.

How does the conversion of the original contract work?

The new contract mirrors the original contract, except for the tax qualification, with the same:

  • Effective date
  • Client roles
  • Agent
  • Account allocations
  • Credited rates
  • Riders
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Want to learn more about PTC for Roth IRAs?

Register for our webinar

The benefits of a Partial Tax Conversion

Wednesday, July 19 at 10:00 a.m. Central


Do you have clients with IRAs they’re looking to move to a Roth? Or clients with Inherited IRA money they’ll have to pay taxes on within 10 years? Join us to learn how a Partial Tax Conversion through EquiTrust can help set your clients up for success.

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Want to talk about how a PTC can help your clients

looking to convert to Roth? Call 866-598-3694.

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1 The Owner is required to wait five years and until age 59½ before distributions are tax-free. Distributions are reportable, but not taxable, assuming all IRS rules have been met.

2 Withdrawals of earnings may be subject to income tax if the Roth account is fewer than five years old at the time of the withdrawal.


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.

0446-GEN-EM-SW (07-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


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