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Annuities

Turn retirement savings into a reliable income strategy

Income-focused fixed index annuities

Prepare for retirement with income

In retirement, your financial priorities shift from building your savings to turning those savings into income to help support the life you’ve planned.

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.

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 fixed index annuity?

  • 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
  • Market index-linked earnings
  • Single- and joint-life options

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

EquiTrust's income-focused FIA

MarketEarly Income™ Index

MarketEarly Income Index is built for when you expect to start income payments in the near future. It includes an Income Benefit Rider that pays lifetime income even if the contract’s Accumulation Value is depleted.

It provides:

  • A 20% bonus added to your Benefit Base for premiums paid in the first year

  • Lifetime income based on 7% annual roll-up in years 1-5 and 4% annual roll-up in years 6-10, or until your start income payments

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. MarketEarly Income Index contract issued on Contract 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); 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).