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Annuities

Put a premium bonus to work for future income

Income-focused fixed index annuities with a premium bonus

Give your retirement income an added head start

As your focus shifts from building savings to creating retirement income, a premium bonus can help give your income strategy added momentum.

An income-focused fixed index annuity (FIA) can help you create a reliable stream of retirement income. It’s designed to provide guaranteed1 income you can’t outlive while helping protect your money from downside market risk. Add in a premium bonus and your money works even harder.

What is the income phase?

  • The stage when you begin using your retirement savings as income in retirement
  • Typically spans your years in retirement, when you transition away from full-time work
  • Focuses on turning the assets you've accumulated into income to help support your needs and lifestyle in retirement

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 income-focused IFA with a premium bonus?

  • A premium bonus that increases your contract’s value, and provides higher income than you would receive without it

  • Protection of your principal and earnings from market loss, also known as “downside protection”

  • Tax-deferred earnings

  • Built-in guarantees1

  • Guaranteed1 lifetime income with the Income Benefit Rider

Key advantages of an Income Benefit Rider

  • Guaranteed1, predictable income payments you can’t outlive
  • Flexibility to start and stop income as needed
  • Continued payments to your surviving spouse
  • Increased payments in the event of a qualifying chronic illness
  • Single- and joint-life options
  • Ability to receive lifetime income without annuitizing your contract

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

EquiTrust's income-focused FIA with a premium bonus

MarketFuture Bonus Income™ Index

MarketFuture Bonus Income Index is designed to support your long-term income plans when you expect to start payments down the road. It includes an Income Benefit Rider that pays lifetime income even if the contract’s Accumulation Value is depleted.

It provides:

  • An 8% bonus on first year premium, applied to the Benefit Base

  • Lifetime income based on 8% annual roll-up for up to 10 years

Ready to talk about your financial needs and goals? 

Connect with EquiTrust

Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. MarketFuture Bonus Income Index contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18), ET-MTB-2000(04-17) or ET-MTB-2000(06-18). 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); ICC16-ET-TI(10-16) or ET-TI(10-16); 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).