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Life insurance

Help clients secure their legacy with WealthMax Bonus Life®

Position client assets for protection, growth and legacy-planning

EquiTrust’s single-premium indexed whole life insurance solution, WealthMax Bonus Life, helps you position a portion of clients’ assets for tax-efficient wealth transfer while maintaining flexibility for future needs. It’s a strong fit for clients with excess savings, or “dusty money,” who want to create a legacy and address potential health care expenses.

Client advantages

  • Tax-advantaged legacy for beneficiaries

  • Access to living benefits for qualifying health-related expenses

  • Index-linked accumulation potential with downside protection

Efficient wealth transfer and flexibility for changing needs

  • Funded with a single premium, WealthMax Bonus Life provides a guaranteed, no-lapse death benefit.
  • The Accumulation Value grows tax deferred, with interest linked to market index performance — without direct market exposure.
  • Living benefits provide access to a portion of the death benefit for terminal illness, chronic illness or nursing care confinement.
  • Later in life, clients may also choose to convert the policy into a stream of income payments, subject to eligibility requirements.