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MarketForce Bonus

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MarketForce Bonus is a Single Premium Fixed Index Deferred Annuity with a Premium Bonus on premiums paid in the first year. Rate Buy-Up feature provides higher cap and participation rates in exchange for a 1.50% annual fee. Product contains a Fixed-Rate Account and a variety of Index Accounts, including 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
Fixed Index
Purpose Accumulation
Premium Bonus
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, Inherited IRA, and TSP
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Premium Notes

Initial Premium
Minimum: $10,000;
Contract maximum without prior EquiTrust approval: $2,000,000
Additional Premium
Subsequent minimum: $2,000 
Subsequent Premium can be contributed multiple times in a year. Subsequent premiums (first-year only) 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 rolled over or transferred into an IRA.

Withdrawal Provisions

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After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Surrender Charge or MVA, either systematically or as a single withdrawal.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.

Partial and Full Surrenders
Any withdrawal over the 10% penalty-free amount will be subject to surrender charges and a Market Value Adjustment. In the event of a full surrender, you will receive the cash surrender value of your contract as a lump sum. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
3.75% Fixed
1-Year S&P MARC 5% ER PTP Participation Rate with Fee
Point to Point
225% Participation
1-Year Barclays Focus50 PTP Participation Rate with Fee
Point to Point
200% Participation
1-Year S&P 500 PTP Participation Rate with Fee
Point to Point
60% Participation
1-Year S&P 500 PTP Cap with Fee
Point to Point
10% Cap
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
160% Participation
1-Year S&P 500 PTP Cap
Point to Point
6.5% Cap
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
55% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
5.5% 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%


No Riders for MarketForce Bonus annuity.


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 days. The nursing home waiver does not include home health care.

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.


Unavailable in states: TX

On the Income Date, the Accumulation Value is applied to the payment option elected. The Income Date is the first contract anniversary after the Annuitant's 105th birthday. By current company practice, the Accumulation Value is available for annuitization after the fifth year if a minimum payout of 5 years or life is elected.

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