Best Guaranteed Annuity Rates

Market Twelve Bonus Index Annuity by Equitrust with Income For Life Rider by Equitrust

Get an annuity today!
Learn how an annuity can provide guaranteed income for life.

Market Twelve Bonus Index is a single premium fixed indexed deferred annuity with 14 year surrender period, available to single persons and couples age 0 to 75. It offers a 12% bonus paid over three year period, 6% is applied to the premium at issue, and 2% on the first, second and third contract anniversaries. Surrender period is 14 years Contract minimum is $30,000 at the initial payment, with optional subsequent premium deposits of $2,000 or more during the first contract year.

Subsequent premiums may be limited to the amount of the initial premium. Interest crediting strategies include five index-based options and a fixed-rate account. Annuitization options include choices of payment for life, payment of a designated amount or payment for a certain period of time. Income For Life is an optional rider available in approved states, it offers even better lifetime income guarantee, based on minimum guaranteed accumulation rate of 6.0% for up to 10 years and allows more flexibility with income payments. Rider fee is 0.75% annually. Lifetime Income withdrawal percentage is based on your age at the time when you first elect to receive income withdrawals.


  • Generous 12% premium bonus offered
  • Additional premium payments are allowed during the first contract year
  • Guaranteed lifetime income withdrawals with flexible payment schedule
  • Offers competitive interest rates
  • Income For Life Rider allows to start income withdrawals any time after the second contract year and age 50
  • Income For Life Rider allows to start and stop income payments when you choose


  • Rider charge is 0.75% of the income base total annually
  • Fixed interest rate on the account is subject to change annually
  • Once lifetime income payments begin, the accumulation of interest ends
  • Relatively high surrender charges
  • In addition to surrender charges, Market Value Adjustment (MVA) is applied to all annual withdrawals in excess of 10% annually, before annuitization starts

On a full surrender, the minimum guaranteed surrender value of 87.5% rule will be applied to the premium (including accumulated interest).

Author: Adrian D.
Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help