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Sales Week: Longevity risk? Heck no! Not with guaranteed lifetime income

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Fixed index annuities with an optional Income Benefit Rider could be the cure 

Mature Asian woman unable to sleep at night

They may not know it by its official name, but your clients may lose sleep over longevity risk. In fact, 49% of Americans say they fear they’ll outlive their retirement savings.1 And some pre-retirees are putting off taking their Social Security benefits to help their retirement money last longer. 

That’s where you come in. Your clients look to you for ways to help them build income for retirement — and fill the gap before Social Security kicks in. 


IBRs provide income for life
EquiTrust can help. With the optional Income Benefit Riders (IBRs) available on several EquiTrust fixed index annuities (FIAs), your clients can enjoy: 

With the optional IBR, these products can help provide income your clients can’t outlive:

  • MarketPower Bonus Index®
  • MarketTen Bonus Index®
  • MarketValue Index®
  • MarketSeven Index®
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A guaranteed2 stream of income for life without annuitizing3, even if the contract’s Accumulation Value is depleted

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Enhanced Income Withdrawals that double income for up to five years in the event of a chronic illness

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The ability to start and stop income payments as needed

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Flexible spousal continuation options with recalculation4 of income for payout

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Competitive rollup designs

Plus, the IBRs are available on Inherited IRA5 business. Get the details about all our IBR features. 

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Transparent renewal rates – always available

At EquiTrust, we don’t shy away from sharing our renewal rates for all our products. You can find them on the Agent Gateway at Products > Interest Rates. Just click on a product, enter the issue date and click “Get Renewal Rates.”


Have a case where an IBR may be suitable for your client?
Let’s talk about it. Call us at (866) 598-3694.

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1 Sullivan, Bob and Benjamin Curry; “How to Boost Your Retirement Income”; Forbes; SimplyWise survey; 7/9/2021;; accessed 4/25/2023.

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

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

4 Payments will continue at the same amount if Income Withdrawals were based on two lives. Payments will be recalculated based on the spouse’s age if the original Income Withdrawals were based on one life. Spouse may include a domestic partner in OR (in some cases does not include spousal continuation). Spousal continuation may not be elected if Single Life Income Withdrawals were elected and the Accumulation Value is zero. Spousal continuation may not be elected if the surviving spouse is younger than age 50 at the time of the Owner’s death and the Owner had been taking Single Life Income Withdrawals.

5 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.


Income Benefit Rider offered on select index annuities. May vary by state.


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.

0300-IBR-EM-SW (05-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


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