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Annuities

Build toward the retirement you envision

Accumulation-focused fixed index annuities

Prepare for retirement through growth potential

During your working years, planning for retirement is about building your savings to have the resources you need for what comes next.

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. 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 money 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?

  • 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

MarketFive Index®

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

  • 105% Guaranteed Accumulation Value after five years

  • Available for issue ages up to 90

MarketSeven Index®

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

  • 107% Guaranteed Accumulation Value after seven years

  • Available for issue ages up to 85

MarketValue Index®

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

  • 110% Guaranteed Accumulation Value after 10 years

  • Available for issue ages up to 85

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

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Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. MarketFive Index contract issued on Contract Form Series ICC16-ET-FIA5-2000(10-16) or ET-FIA5-2000(10-16). 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); ICC16-ET-AVGR(10-16) or ET-AVGR(10-16). MarketSeven Index contract issued on Contract Form Series ICC16-ET-FIA7-2000(10-16) or ET-FIA7-2000(10-16). Riders issued on Form Series ICC16-ET-AVGR(10-16) or ET-AVGR(10-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketValue Index contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(06-04). 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).