Best Guaranteed Annuity Rates

MarketMax Index

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A Flexible Premium Fixed Index Deferred Annuity. Rate Buy-Up feature provides higher cap and participation rates in exchange for a 1% 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
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Flexible premium Product Life
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 annual maximum after year 1: $250,000 
Subsequent Premium can be contributed multiple times in a year. 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 rolled over or transferred into an IRA.

Withdrawal Provisions

Liquidity Features and important terms
You may receive partial surrenders or periodic income payments from your annuity by submitting a request acceptable to the Company. When you make withdrawals, surrender or annuitize your annuity, the amount withdrawn will not be credited with any index return to the current Indexing Period. Withdrawals do not participate in any index gains during the Contract Year of the withdrawal. You may be subject to a 10% Federal penalty tax if you make withdrawals or surrender your annuity before age 59½.

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 After the first contract year, up to 10% of the Accumulation Value on the previous contract anniversary may be withdrawn each contract year without Surrender Charge or MVA, either systematically or as a single withdrawal.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
4.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
9% Cap
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
190% Participation
1-Year S&P 500 PTP Cap with Fee
Point to Point
11% Cap
1-Year S&P 500 PTP Participation Rate with Fee
Point to Point
65% Participation
1-Year Barclays Focus50 PTP Participation Rate with Fee
Point to Point
210% Participation
1-Year S&P MARC 5% ER PTP Participation Rate with Fee
Point to Point
235% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
75% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
8% 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%


No Riders for MarketMax Index 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 Values is applied to the payment option elected. The Income Date is the first contract anniversary after the Annuitant's 100th birthday. By current company practice, the Accumulation Valued is available for annuitization after the fifth year if a minimum payout of 5 years or life is elected.

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