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For Producer Use Only
SALES WEEK: Provide High Income Payments with an EquiTrust Income Rider
Provide a lifetime income stream with an Income Benefit Rider
Help diversify your client’s financial plan and create a stream of income they cannot outlive with an EquiTrust index annuity and Income Benefit Rider.1
For a customized quote, call (866) 598-3694.
Plus, your client will have access to these additional benefits.
Inherited IRAs EquiTrust IBRs are available for Inherited IRAs.2
Chronic-Illness Doubler Rider payments may be doubled for up to 5 years in the event of a chronic illness (up to 50% for joint owners); included at no additional cost.
No confinement required – 2 of 6 Activities of Daily Living
Also applied to Permanent Cognitive Impairment
Withdrawals may continue even if the Accumulation Value is depleted
Approved in all states
Spousal Continuation Upon spousal continuation of lifetime payments with single life payout, income is recalculated based on spouse age and continues for their life.
Fee Based on Accumulation Value Annual fee is based on the contract's Accumulation Value – not the faster-growing Benefit Base.
Varied Rollup Designs The Benefit Base is equal to all premiums and premium bonuses, less withdrawals, compounded at a defined rate, for either 7 or 10 years. The faster the Benefit Base accumulates, the greater the income.
Benefit Base Bonus
Rollup Design and Rate
Profile: Benefit Base Bonus + Rollup Result in
Fee
MarketPower Bonus Index®
10%
9.0% up to 10 years
Strong Guaranteed Income in early years
1.25%
MarketTen Bonus Index®
6%
9.0% up to 10 years
Strong Guaranteed Income in later years
1.00%
MarketValue Index®
10%3
Stackable: 3.0% + Interest/Index Credits up to 10 years
Questions? Call Sales Support at 866-598-3694 or visit the agent website at
Agents.EquiTrust.com
1Income Benefit Rider offered on select index annuities. May vary by state. 2For Inherited IRAs, the Income Benefit Rider does not continue upon the death of the beneficiary/owner.
3This is the benefit-base bonus applied only to the income rider value – not to the contract’s accumulation value.
Withdrawals before age 59½ may result in a 10% IRS penalty tax. Guarantees subject to 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 and this material should not be construed as investment advice. 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. For Producer Use Only.
IC22-ECN-1100
FOR PRODUCER USE ONLY
EquiTrust
7100 Westown Pkwy Suite 200 West Des Moines, IA 50266
