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EquiTrust Life Insurance Company
Market Ten Bonus Index IBR
(RETIRED)
A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
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A.M. Best : B++ |
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Fitch: A- |
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Standard & Poor's: BBB+ |
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Rates
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Current Rates xx/xx/xxxx |
Guaranteed Minimum Values |
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Cap |
Part Rate |
Cap |
Part Rate |
1-Year Barclays Focus50 Participation Index Account
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***
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***
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*** |
*** |
1-Year S&P 500 Monthly Average Cap Index Account IBR
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***
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***
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*** |
*** |
1-Year S&P 500 Monthly Average Participation Index Account IBR
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***
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***
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*** |
*** |
1-Year S&P 500 Monthly Cap Index Account IBR
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***
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***
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*** |
*** |
1-Year S&P 500 Point-to-Point Cap Index Account IBR
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***
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***
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*** |
*** |
1-Year S&P MARC 5% ER Point to Point Participation
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***
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***
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*** |
*** |
2-Year Barclays Focus50 Participation Index Account
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***
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***
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*** |
*** |
2-Year S&P 500 Monthly Average Cap Index Account IBR
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***
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***
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*** |
*** |
1-Year Interest Account IBR
(Rate guaranteed for 1
Year)
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*.** %
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*.** %
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State Specified Minimum Interest Rate: ****
Premium Bonus
Year: |
1 |
2 |
3 |
4 |
5 |
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Bonus Rate: |
****
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****
|
****
|
****
|
****
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The @annuityName@® --[ subscription required to view full text ]--
*** @***********@® ** * ******** ******* ******** ******* ******** ****** ** @***********@ ********* ***** *** ******* ******** ******** **** *** *** ****** ** ******* **********.
**** ******** ** ******** *** ********** ******* ** ***** ****-**** ************ *****. *********** ********-******* ********* *** ***** ** **** *** ******* *********** ** *** ***** @*******@ *****.
Provisions
Free Look Period: |
****
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(Free look period may vary by state) |
Rate Lock Protection: |
****
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Bail Out Provision Available: |
*** |
*** *** ***: |
**** |
Loan Provision Available: |
*** |
*** *** ***: |
**** |
Tax Sheltered: |
*** |
|
Market Value Adjustment: |
*** |
MRD: |
*** |
Front-End Fee: |
*** |
Annual Maintenance Fee: |
*** |
Return of Premium Available: |
*** |
Death Benefit is: |
*** **** |
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Premiums
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Non-Qual |
Qualified |
Min Single Premium: |
**** |
******* |
Max Single Premium: |
|
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Age < xx: |
**** |
******* |
Age > xx: |
**** |
******* |
Payroll Deduction: |
**** |
**** |
Min Added Premium: |
**** |
**** |
Flexible Premiums ******* : |
****
|
|
Min Single Premium Impaired: |
****** |
****** |
Min Single Premium Period Certain: |
****** |
****** |
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Age Restrictions
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Min Age |
Non-Qual
| Qualified
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Owner: |
|
***** |
***** |
Annuitant: |
***** |
***** |
***** |
Impaired: |
|
***** |
***** |
Annuitization Age: |
|
***** |
***** |
***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** ***
***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****
|
|
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Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****
MVA Explanation
Not available in DE CA
|
We may make a Market Va --[ subscription required to view full text ]--
** *** **** * ****** ***** ********** (***) ** ******* ********* ** *********** **** **** ********. ** *** ****** ** ****** ** ******** ** * ******** ** *** ****** ********* ** ***********. * *** **** ** **** **** **** * ********* ****** ** ********. *********, *** *** ********* *** ************ *****
*********** **** ******** ***** ****, *** ********* ** **** ******** ***** ****. *** *** **** *** ****** *** ****** *********** ***** *** ******* ********** ******** *****.
Commissions
Effective date of commission schedule: 12/07/2021 |
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
|
Option A
Market Ten Bonus Index IBR
|
Up to age 80 |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Option B
Market Ten Bonus Index IBR
|
All permitted ages |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Option C
Market Ten Bonus Index IBR
|
All permitted ages |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
Year 7 |
Year 8 |
Year 9 |
Year 10 |
Year 11 |
Initial Premium: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Renewal Premiums: |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
**** |
Trail: |
Trail years ***+ is ***** |
Chargebacks
Upon de --[ subscription required to view full text ]-- ***********
**** ***** ** *** *****: (****** *-*) ***%
(****** *-**) **%
**** ********* ** *************: (****** *-**) ***%
(****** **-**) **%
*** *********** **** ***** *** **** ** ***** **** ** ******** ***%
|
Related Information
Available Subscriptions
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Additional Information
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