WealthMax Bonus Life Competitive Advantages Flyer
WEALTHMAX BONUS LIFE®
A single premium, indexed life insurance policy designed for wealth transfer and accumulation
WealthMax Bonus Life may be the right solution for your clients who have accumulated savings they’d like to leave as a legacy or leverage to help pay their own health care-related expenses.
WHAT IS WEALTHMAX BONUS LIFE?
WealthMax Bonus Life can help your clients:
- Leave a tax-free legacy for their heirs
- Access living benefits for certain medical expenses
- Enjoy accumulation potential without downside risk
KEY FEATURES
Simplified Underwriting
Accelerated Death Benefit
Return of Premium
Longevity Benefit
Guarantees
Every underwriting decision is immediate. Underwriting for WealthMax Bonus Life is simple and online. We make it quick and easy for clients to get underwritten and covered. No medical evidence. No demanding and lengthy processes.
Through the policy’s included Accelerated Death Benefit Rider (ADBR), clients can access policy benefits during their lifetime for qualified terminal illness, nursing home confinement and chronic care.
If the policy is surrendered, the client will receive no less than the single premium payment, less any partial withdrawals. This feature terminates in the event of a policy loan or activation of any ADBR benefits.
Clients who ultimately don’t need their life insurance and prefer to use the money themselves may elect to access the death benefit in their later years. They can receive it in the form of monthly payments for five years if the policy has been inforce for a minimum of 15 years, the client is at least 85 years of age, and no withdrawals, loans or ADBR benefits have been taken.
Clients can rely on the power of guarantees1:
- Should they surrender their policy and need their premium back
- If they encounter health-related events and need to use the death benefit to pay for related expenses
- Guaranteed death benefit to leave a legacy
RIGHTNOW UNDERWRITING
Digital underwriting process and a series of health questions
- Immediate decision provided on 100% of cases
- No exams, fluids, medical records or phone interview required
- Underwriting decision valid for 90 days
MARKETING MATERIALS
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RATES, STATE APPROVALS
AND VARIATIONS
Account Options
Current Rate
1-Year Interest
5.35%
S&P 500 1-Year Point-to-Point Cap
10.50%
S&P 500 1-Year Point-to-Point Performance Trigger
8.50%
S&P 500 1-Year Monthly Average Participation
110.00%
S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation
90.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation
230.00%
Barclays Focus50 1-Year Point-to-Point Participation
200.00%
Approved
Approved with Variations
Not Approved
State Approvals
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Approved
Approved with Variations
Not Approved
Please visit the Agent Website for a complete list of state approvals and state variations.
The Life Calculator is currently undergoing necessary maintenance. Please check back in a few minutes.
CALCULATOR AND ILLUSTRATIONS
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WEALTHMAX BONUS LIFE WEBINARS
Upcoming Webinars
No webinars are scheduled currently. Please check back for updates.
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WRITE AN APPLICATION NOW
Have clients with money they may not intend to use? Money sitting in a savings account? WealthMax Bonus Life may be a good way to help them turn that money into a legacy for their heirs, or a source of funds in the event of a terminal or chronic illness or other qualified health care needs.
Ready to begin the underwriting and application process for a client?
Contract With Us
Welcome and thank you for your interest!
EquiTrust products are sold by independent agents who are contracted with us through independent marketing organizations. If you work with a marketing organization, please ask them to help you get contracted with EquiTrust.
If you need help finding a marketing organization or have questions, please call our Sales Support team at 866-598-3694 or submit the following:
Thank you! Someone will contact you shortly about your interest in contracting with EquiTrust.
If you have any questions or need help, call our Sales Support team at 866-598-3694.
An unknown error has occurred. Please try your request again. If the problem persists, please contact us at 866-598-3694.
GETTING CONTRACTED
EquiTrust products are sold by independent agents who are contracted with us through independent marketing organizations. If you work with a marketing organization, please ask them to help you get contracted with EquiTrust.
If you need help finding a marketing organization or have questions, please call our Sales Support team at 866-598-3694 or click the Getting Contracted button.