MarketValue Index: Rates & Review

The Market Value Index is a Flexible Premium Deferred Annuity Contract with fixed and indexed interest accounts is issued by EquiTrust Life Insurance Company. This contract is intended for retirement funding or other long-term accumulation needs. Substantial contract-imposed penalties may apply to full and partial withdrawals in the first 10 years.

Rate Buy-Up
A higher rate is offered in exchange for a 1.00% annual fee.

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

Name	Type	Rates
1-Year Fixed Account	Fixed	5.4% Fixed
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	11% Cap
1-Year S&P 500 PTP Monthly Average Participation Rate	Point to Point Annual Monthly average	110% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	3.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
2-Year S&P 500 PTP Monthly Average Cap	Point to Point Biennial Monthly average	18% Cap
1-Year Barclays Focus50 PTP Participation Rate	Point to Point Annual	190% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	225% Participation
2-Year Barclays Focus50 PTP Participation Rate	Point to Point Biennial	215% Participation
1-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Annual	85% Participation
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	8% Performance triggered
1-Year S&P 500 PTP Cap with Buy-Up	Point to Point Annual	13% Cap
1-Year S&P 500 PTP Participation Rate with Buy-Up	Point to Point Annual	70% Participation
2-Year S&P 500 Dynamic Intraday TCA PTP Participation Rate	Point to Point Biennial	115% Participation

Year	1	2	3	4	5	6	7	8	9	10
Penalty	12%	12%	12%	12%	11%	10%	8%	6%	4%	2%

Name	Inbuilt	Fee
Market Value Income Rider	No	0.95% annually (0.95% max)

Premium Notes

Initial Premium
Minimum Allocation of $2,000 in each account. Can select any combination of accounts subject to the minimum requirements. Indicate initial allocation above the Owner’s signature section of the Disclosure Form. The initial premium allocation must be completed to issue the contract. Must be whole percentages. The applicant may authorize to hold an issue in the event of multiple premiums.

Additional Premium
Automatically added to the 1-Year Interest Account at the time of receipt. On each contract anniversary, automatically reallocated between accounts according to most recent allocation instructions. Subsequent Premium can be contributed multiple times in a year. Subsequent annual maximum premium after year 1: $250,000.

Withdrawal Provisions

Systematic 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. 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.

MarketValue Index