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Annuities

Fixed index annuities

Deliver clients growth and protection from market volatility

EquiTrust’s broad range of fixed index annuities (FIAs) offer a balanced approach that can help you meet a diverse array of client needs by combining growth potential with protection from market downturns. These solutions allow your clients to benefit from market-linked interest credits while safeguarding their principal. With tax-deferred growth and the ability to generate income your clients can’t outlive, fixed index annuities can play a key role in building a more secure retirement strategy.

Our FIAs offer:

  • Growth and flexibility

  • One moving part per strategy

  • Reallocation at anniversary

  • Variety of multi-asset options

  • Asset-based long-term care/FIA hybrid1

  • Return of premium feature2

  • Access and protection

  • Full Accumulation Value death benefit3

  • 10% free withdrawals after the first year3

  • Nursing home waiver and terminal illness rider

  • Chronic illness doubler on Income Benefit Rider4

1 Bridge® by EquiTrust   2On MarketTen Bonus Index®   3Does not apply to SmartBoost™ Index   4Available on our income-focused FIAs

Guarantees are based on the claims-paying ability of EquiTrust Life Insurance Company. Withdrawals before age 59½ may result in a 10% 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.