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MarketEarly Income Index

A leading supplier of annuity and life insurance products in the US, the EquiTrust Life Insurance Company was established in 1996. Nearing three decades of experience in the retirement sector, the company has demonstrated exceptional developments over the years thanks to its focus on delivering client-friendly annuity and life insurance solutions. Striving to consistently improve the services it offers to customers, EquiTrust has made the “Ward’s 50” best life and health insurance companies for a number of consecutive years.

MarketEarly Income Index

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

6.5%

5.5%

4.5%

3.5%

2.5%

1.5%

0.5%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, Stretch IRA, and Inherited IRA

Launch Date

03/05/2025

MarketEarly Income Index is an income-focused, flexible-premium fixed index deferred annuity with an Income Benefit Rider. Product contains a fixed-rate account and a variety of index accounts, including the S&P 500 Index and these custom, risk-controlled indices: S&P 500 Dynamic Intraday TCA Index, S&P MARC 5% Excess Return Index and Barclays Focus50 Index.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.75% Fixed
1-Year Barclays Focus50 PTP Participation Rate	Point to Point Annual	110% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	125% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	4.5% Cap
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	3.5% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	8%	7%	7%	6%	5%	4%	3%	2%	1%

Riders

Name	Inbuilt	Fee
MarketEarly Income Rider	Yes	1.25% annually (1.25% max)

Waivers

Nursing Home

Available for all applicant ages at no charge. After the first contract year, access up to 100% of the Accumulation Value in the event of nursing home confinement of owner for 90 consecutive days.

Terminal Illness

Available for all applicant ages at no charge. Access up to 75% of the Accumulation Value in the event of the owner’s terminal illness. Features may vary by state.

Premium Notes

Initial minimum: $10,000;
Subsequent minimum: $2,000
Subsequent annual maximum after year 1: $250,000
Subsequent premiums automatically added to the 1-Year Interest Account at time of
receipt, then at contract anniversary reallocated among accounts according to current
allocation instructions.

Withdrawal Provisions

Market Value Adjustment Applies when surrender charges are imposed (no MVA in CA). Free withdrawalsBy current company practice, systematic withdrawals of interest are allowed in the first year from the 1-Year Interest Account without charges.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, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken by EFT.

Company Founded: 1996

Good Rated Company

EquiTrust Life Insurance Company

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