SALES WEEK: Why Purchase a Rate Buy-Up Index Annuity?

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So why pay a Rate Buy-Up fee on an index annuity? The short answer is, for the higher cap and participation rates.  

But, is the higher potential gain worth the additional fee?

Historical Lookback

In years that the S&P 500 Index produces positive results, the results are typically strong. Capturing a larger portion of the Index growth helps accumulation-focused clients.

Consider the MarketMax Index Annuity’s 9% cap rate on the S&P 500 Point-to-Point Cap fee-based account, and this historical review. Based on annual Point-to-Point returns for each issue date since 1/1/80 and through 2/1/21, the following statistics apply:

• 79% of the time, the S&P 500 Index achieved a positive return
• 16.9% average S&P 500 Index return when the index return was positive
• 59% of the time, S&P 500 Index returns would’ve met or exceeded a 9% cap rate (before fees)

Accumulation Focus

MarketMax and MarketForce Bonus Index Annuities are attractive alternatives for clients seeking greater accumulation potential, yet still seek the downside protection of an index annuity. 

Impressive cap and participation rates are available in exchange for an annual fee on the allocations to Rate Buy-Up Accounts, plus EquiTrust has a strong commitment to renewal rate integrity.

*All index cap and participation accounts are reset annually.

Both Products Feature:

• 10-Year Design
• 4 Rate Buy-Up Index Accounts, 2 No-Fee Index Accounts, 1-Year Interest Account
• Risk-Control Indices
• Issue Ages 0-80
• 10% Free Withdrawals After First Year
• Nursing Home Waiver and Terminal Illness Rider

Sales Resources
Agent Guides: 
MarketForce Bonus Index   |   MarketMax Index
 
Client Brochures: 
MarketForce Bonus Index   |   MarketMax Index
 
Advertising Flyers: 
MarketForce Bonus Index   |   MarketMax Index

MarketForce Bonus Index contract issued on Form Series ICC19-ET-MP10-2000(02-19) or ET-MP10-2000(05-18). Riders issued on Form Series ICC18-430- NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Index accounts issued on Form Series ICC19-ET-P2P(05-19) or ET-P2P(05-19); ICC19-ET-P2P-F(05-19) or ET-P2P-F(05-19); ICC19- ET-1PP-F(05-19) or ET-1PP-F(05-19); and ICC19-ET-1PP(05-19) or ET-1PP(05-19). MarketMax Index contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). Riders issued on Form Series ICC17-ETFIXED-MVA(02-17) or ET-IMVA(03-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Index accounts issued on Form Series ICC19-ET-P2P(05-19) or ET-P2P(05-19); ICC19-ET-P2P-F(05-19) or ET-P2P-F(05-19); ICC19-ET-1PP-F(05-19) or ET-1PP-F(05-19); and ICC19-ET-1PP(05-19) or ET-1PP(05-19). 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.