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Annuities

Give your retirement savings more opportunity to grow

Accumulation-focused fixed index annuities with a premium bonus

Start strong and build for your retirement

Make the most of your retirement savings during your working years with a premium bonus and opportunities for long-term growth.

An accumulation-focused fixed index annuity (FIA) can help you make progress toward your retirement goals. It’s designed to grow your retirement savings through interest earned based on market indices. Add in a premium bonus, and you have even more to build on from the start. Plus, your money is never exposed to downside market risk.

What is the accumulation phase?

  • The period of time when you’re actively saving money for retirement
  • Typically spans the years leading up to retirement when you’re working and earning an income
  • Focuses on building assets over time to help support your future retirement income needs

How does an FIA work?

Your annuity is credited an extra bonus percentage on premiums you pay during the time period designated by your contract.

Your money, plus the bonus, grows through earnings based on the movement of market indices

You choose index accounts and crediting strategies
On contract anniversaries, “index credits” are applied to your contract’s value

You share only in index gains — not the losses.

Why consider an accumulation-focused FIA with a premium bonus?

  • A premium bonus that adds value to your premium(s) — you earn interest and index credits on your premium and bonus
  • At EquiTrust, premium bonuses are vested on day 1
  • Protection of your principal and earnings from market loss, also known as “downside protection”
  • Tax-deferred growth of your earnings
  • Market index-linked earnings
  • A wide variety of account options to provide diversification
  • Growth potential

EquiTrust's accumulation-focused FIAs with a premium bonus

MarketPower Bonus Index®

  • Full access to your money after 14 years with no surrender charges

  • 12% bonus on premiums paid in the first year

  • Available for issue ages up to 75

MarketTen Bonus Index®

  • Full access to your money after 10 years with no surrender charges

  • 8% bonus on premiums paid in the first five years

  • Available for issue ages up to 80

MarketEdge Bonus Index®

  • Full access to your money after 10 years with no surrender charges

  • 20% bonus over three years — an 8% premium bonus at issue, and 4% Accumulation Value bonuses on the contract’s first three anniversaries

  • Available for issue ages up to 80

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

Ready to talk about your financial needs and goals? 

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Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. MarketPower Bonus Index contract issued on Contract Form Series ICC18-ET-MP10-2000(05-18) or ET-MPP-2000(02-05). Riders issued on Form Series ICC17-ET-FIXED-MVA(02-17) or ET-IMVA(03-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketTen Bonus Index contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18) or ET-MTB-2000(06-07). Riders issued on Form Series ICC17-ET-FIXED-ROP(02-17) or ET-FIXED-ROP(02-17); ICC17-ET-FIXED-MVA(02-17) or ET-IMVA(03-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketEdge Bonus Index contract issued on Contract 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); ET-AVBR(06-09), ET-AVBR(01-25) or ICC25-ET-AVBR(01-25); and ICC16-ET-TI(10-16) or ET-TI(10-1).