Bridge Index Annuity with Long-Term Care Coverage and Wellness Program

A flexible premium fixed index deferred annuity which includes riders to provide long-term care coverage and a personalized wellness program.  The annuity offers a fixed-rate account which earns a traditional interest rate and a variety of index-linked accounts.


Applicant Ages
  • 55 - 80 age last birthday (all Owners and Annuitants)

Minimum/Maximum Premium
  • Initial minimum: $50,000; Subsequent minimum: $2,000
    Maximum First-Year long-term care coverage: $1,000,000
    Maximum additional premium after year 1: $250,000

Account Options

Fixed-Rate Account
1-Year Interest Account
  • The fixed rate is guaranteed for one contract year. On contract anniversaries, the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, and then allocated per your instructions.

S&P 500® Index Accounts
1-Year Point-to-Point Cap Index Account
  • Index credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, up to a specified cap. 

1-Year Point-to-Point Participation Index Account
  • Index credits are based on the percentage change in the S&P 500 Index from the previous contract anniversary, multiplied by the participation rate.

1-Year Monthly Average Participation Index Account
  • Index credits are based on the percentage change in the S&P 500 Index monthly average from the previous contract anniversary, multiplied by the participation rate.

1-Year Point-to-Point Participation Index Account
  • Index credits are based on the percentage change in the Barclays Focus50 Index from the previous contract anniversary, multiplied by the participation rate.

1-Year Point-to-Point Participation Index Account
  • Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate.

Index Credits
  • Index Credits will be added to the account at the end of each indexing period. Index Credits will never be less than zero.

Surrender Charge
  • Declining surrender charge - based on a 10-Year Schedule. Percentage of the Accumulation Value by contract year: 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5, 0.5%.
    Surrender charges may vary by state. Applies to partial withdrawals in excess of the free-withdrawal amount. In the event of a full surrender, applies to accumulation value and any free withdrawals in the same contract year.

Market Value Adjustment
  • Applied only when surrender charges are imposed.

Penalty-Free Withdrawals
  • After the first contract year, up to 10% of the accumulation value on the previous contract anniversary may be withdrawn each contract year without surrender charge or MVA.

Long-Term Care Benefits
  • This rider is automatically included and provides tax-free monthly benefit payments provide coverage for long-term care services. Underwriting is guaranteed approval and the benefit is guaranteed not to lapse.

Wellness Rider
  • This rider is automatically included and provides the Owner an individualized wellness program to promote successful aging. Wellness credits which increase the long-term care benefit value are earned through active participation.

Death Benefit
  • Upon death of owner, annuity accumulation value.

Nursing Home Waiver
  • After the first contract year, surrenders are not subject to surrender charges or MVA in the event of nursing home confinement of owner for 90 days. There is no charge for this rider.

Terminal Illness Rider
  • If the owner of the contract is diagnosed with a terminal illness, surrender charges and MVA are waived for a withdrawal of up to 75% of the accumulation value. There is no charge for this rider.

Surrender of the contract may be subject to surrender charges or market value adjustment. Withdrawals before age 59½ may result in a 10 percent IRS penalty tax. Withdrawals do not participate in index growth. In the event of a full surrender, charges will apply to any penalty-free amounts taken during the same contract year. The surrender charge period and surrender charges may vary by state. Guarantees expressed are based on the claims paying ability of EquiTrust Life Insurance Company. EquiTrust cannot give legal, tax or accounting advice. Your personal tax advisor can provide important information with respect to the purchase of this annuity contract and its taxation.

This page briefly highlights EquiTrust Life Insurance Company’s Bridge annuity contract and its benefits.  Contract issued on Form Series ICC12-ET-EIA-2000(11-21) or ET-EIA-2000(12-21). Riders issued on ICC17-ET-FIXED-MVA(02-17); ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Long-Term Care Rider issued on ET-LTC(04-22). NeverStop Wellness Rider issued on ET-WEL(11-21).