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MarketTen Bonus Index

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MarketTen Bonus Index is a Flexible Premium Fixed Indexed Deferred Annuity with a Premium Bonus on premiums paid in the first five years. The product contains a Fixed Rate Account that earns a traditional interest rate and offers two Index Accounts, with a 10-Year Surrender Charge Period. As an additional guarantee, the cash surrender value will never be less than premiums, less withdrawals. This rider is automatically included on all contracts at no additional charge, subject to state availability. 
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 Lifetime Income
Premium Bonus
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
Qualified: $5,000
Non-Qualified: $10,000
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP
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Premium Notes

Initial Premium
Miniumum: $10 000 NQ, $5 000 Q;
Contract maximum without prior EquiTrust approval: $2 000 000
Additional Premium
Subsequent minimum: $2 000
Subsequent annual maximum after year 1: $250 000
Subsequent Premiums automatically added to the 1-Year Interest Account at the time of receipt. On each contract anniversary, automatically reallocated between accounts according to the most recent allocation instructions. Subsequent Premium can be contributed multiple times in a year.

SIMPLE IRA Transfers only.
If the IRA owner dies on or after 1/1/20, the new SECURE Act rules apply.
Applicable beneficiaries now fall under two categories: Eligible and Ineligible Designated Beneficiaries.
Stretch IRA is available only to Eligible Designated Beneficiaries.
Inherited IRA is available to Ineligible Designated Beneficiaries – withdrawal or taxation of funds by 12/31 of the 10th year following the IRA owner’s death now applies to Ineligible Designated Beneficiaries. 
TSP funds have to be rolled over or transferred into an IRA.

Withdrawal Provisions

Withdrawal Availability
May begin anytime after 1st contract year and age 50

Systematic Withdrawal 
Systematic withdrawal is available on a monthly, quarterly, semiannual, or annual basis. Systematic Withdrawals are automatically deposited in your bank account. 

Free Withdrawals 
By current company practices, systematic withdrawals of interest are allowed in the first year from the Fixed Rate Account without Surrender Charge or MVA. Interest withdrawals must be taken via electronic funds transfer (EFT). 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 EFT. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
4% Fixed
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
8% Cap
1-Year S&P 500 PTP Monthly Average Participation Rate
Point to Point
Monthly average
75% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Monthly sum
2% Cap
1-Year S&P 500 PTP Cap
Point to Point
7% Cap
2-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
18% Cap
1-Year Barclays Focus50 PTP Participation Rate
Point to Point
135% Participation
2-Year Barclays Focus50 PTP Participation Rate
Point to Point
180% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
150% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate
Point to Point
60% Participation
1-Year S&P 500 Performance Trigger
Performance Triggered
6% Performance triggered

Surrender schedule

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


Name Inbuilt Fee
MarketTen Bonus Income Rider No 1.00% annually (1.00% max)


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.

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