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Sales Week: Internal transfers help retain and reposition business

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Help clients achieve their goals as you continue to earn full compensation


Do you have clients whose annuity contracts are reaching the end of their surrender period? Clients with evolving goals or new plans for the future?

For these clients, it’s decision time. The good news is you don’t have to miss out on commissions. Talk to your clients about using an internal transfer of their EquiTrust contract. And it's a great opportunity to invite them to review their insurance and financial objectives with you and determine if using an internal transfer of their EquiTrust contract fits into their strategy. Plus, you'll have the chance to continue to earn commission. 


How an internal transfer works

Internal transfers are available on EquiTrust traditional and fixed index annuities (FIAs) outside the surrender charge period and can be made to any currently offered EquiTrust product, except Confidence Income®. Partial transfers are allowed from out-of-surrender contracts, but internal transfers of the penalty-free portion of an inforce annuity still in the surrender charge period are not allowed.


For example, you may have a client who is ready to reposition a MarketTen Index® annuity contract and who also needs long-term care (LTC) coverage. Completing an internal transfer to Bridge® — an FIA that includes riders to provide LTC coverage and a personalized wellness program — could be a great solution.


Full compensation for you

A full application packet is required, including internal transfer forms and applicable state-specific internal transfer forms. And as the writing agent submitting the required paperwork, you’ll receive full compensation.


Get answers to FAQs about internal transfers

Take a look at the this flyer to get more details about our internal transfer program, including answers to frequently asked questions (FAQs).

Upcoming Webinar

Leveraging S&P indicies on EquiTrust fixed index annuities

Thurs., June 29 at 10:00 a.m. Central

Special guest speaker


Sara Pollock,

Director, Multi-Asset Indices

S&P Dow Jones Indices

David Hall,

Internal Wholesaler


Arrive early! Attendance is limited to first 1,000 people who join the webinar on June 29


Want to talk through an internal transfer case? Call us at 866-598-3694.

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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. © 2023 EquiTrust Life Insurance. All Rights Reserved.

0424-GEN-EM-SW (06-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


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