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MarketEdge Bonus 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.

MarketEdge Bonus Index

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

10 Years

Surrender schedule

16%

14.5%

13%

11.5%

9.5%

6.5%

Fee withdrawal:

10%

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

MarketEdge Bonus Index is a first-year-only premium, accumulation-focused fixed index deferred annuity with a 20% total bonus paid over three years – an 8% premium bonus in year 1 and 4% Accumulation Value bonuses on the contract’s first, second and third anniversaries. 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, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, RI, SC, SD, TN, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	3.5% Cap
1-Year S&P 500 PTP Cap with Buy-Up	Point to Point Annual	5% Cap
1-Year S&P 500 PTP Participation Rate with Buy-Up	Point to Point Annual	35% Participation
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	40% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.25% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Biennial	45% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	85% Participation
1-Year Barclays Focus50 PTP Participation Rate	Point to Point Annual	80% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	3% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	16%	15%	13%	12%	10%	8%	7%	5%	3%	1%

Riders

No Riders for MarketEdge Bonus Index annuity.

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 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 AdjustmentApplies when surrender charges are imposed (no MVA in CA). Free withdrawals By 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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