2025 EQUITRUST FIXED INDEX ANNUITY PORTFOLIO REDESIGN
Effective March 5, 2025, our new fixed index annuity portfolio is live and optimized! Simplified. Focused. Effective. EquiTrust fixed index annuities (FIAs) now center on either income or accumulation – making decisions easier for you and your client.
MarketEdge Bonus Index™ New product training required
Accumulation with bonus
Issue ages: 0-80
10-year surrender period
20% no-fee bonus — 8% of premium in year 1, plus 4% of Accumulation Value on first three contract anniversaries
MarketEarly Income Index™
Income
Issue ages: 45-80
10-year surrender period
15% Benefit Base bonus
IBR automatically included; 7.00% rollup in years 1-5, 4.00% rollup in years 6-10
MarketFuture Income Index™
Income
Issue ages: 40-80
10-year surrender period
10% Benefit Base bonus
IBR automatically included; 8.00% rollup, up to 10 years
ENHANCED PRODUCTS
Product
Focus
Enhanced product details
MarketPower Bonus Index®
Accumulation with bonus
12% premium bonus — previously 10%
Streamlined index accounts
IBR removed — now exclusive to income-focused FIAs
MarketTen Bonus Index®
Accumulation with bonus
8% premium bonus — previously 6%
Streamlined index accounts
IBR removed — now exclusive to income-focused FIAs
MarketValue Index®
Accumulation
Maximum issue age increased to 85
110% Guaranteed Accumulation Value benefit
Streamlined index accounts
IBR removed — now exclusive to income-focused FIAs
MarketSeven Index®
Accumulation
Streamlined index accounts
IBR removed — now exclusive to income-focused FIAs
MarketFive Index™
Accumulation
Streamlined index accounts
RETIRED PRODUCTS
We’ve made room for innovation! Previously, these products stood out in our portfolio for featuring rate buy-up accounts. Now that all our accumulation-focused FIAs include this feature, these products will be retired effective 3/19/2025.
MarketForce Bonus Index®
MarketMax Index™
TOOLS AND RESOURCES
All-product summary Get an overview of all EquiTrust fixed annuity, fixed index annuity and life insurance products.
PRODUCT TRAINING Specialized training is required to sell the new MarketEdge Bonus Index annuity. The updated all-product training module is required only for agents who have not completed training on all products in our current FIA portfolio. To get started, visit Licensing & Training on Agents.EquiTrust.com.
