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MarketFive Index

The MarketFive Index Annuity is a fantastic choice for planning your future. Not only does it assure you a steady income during your retirement years, it also provides the comfort of knowing that your funds are safe, no matter how the markets perform.

With the added feature of participating in potential market gains, this annuity really helps enhance your financial security. With MarketFive Index Annuity, you're not just planning for the future, you're investing in peace of mind.

MarketFive Index

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

6.5%

5.5%

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, Inherited IRA, and TSP

Launch Date

08/01/2023

MarketFive Index is a flexible premium fixed index annuity. Product contains a fixed-rate account and a variety of index accounts, two of which feature custom, risk-controlled indices: Barclays Focus50 Index and S&P MARC 5% Excess Return 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	4.25% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	7.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	9% Cap
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	75% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2% Cap
1-Year Barclays Focus50 PTP Participation Rate	Point to Point Annual	160% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	180% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	65% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6.5% Performance triggered

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for MarketFive Index annuity.

Waivers

Nursing Home

Available for applicant ages 0-80 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 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.

Note: TSP funds have to be transferred or rolled over into an IRA.

Withdrawal Provisions

Market Value Adjustment Yes, applied 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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