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EquiTrust Life Insurance Company
Market Value Index IBR
(RETIRED)
A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***
Ratings
A.M. Best : B++
Fitch: A-
Standard & Poor's: BBB+
Rates
Current Ratesxx/xx/xxxx
Guaranteed Minimum Values
Cap
Part Rate
Cap
Part Rate
1-Year Barclays Focus50 Participation Index Account
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1-Year S&P 500 MARC5 Participation Index Account
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1-Year S&P 500 Monthly Average Cap Index Account IBR
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1-Year S&P 500 Monthly Average Participation Index Account IBR
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1-Year S&P 500 Monthly Cap Index Account IBR
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1-Year S&P 500 Point to Point Cap Index Account IBR
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1-Year S&P 500 Point-to-Point Participation Index Account IBR
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2-Year Barclays Focus50 Participation Index Account
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2-Year S&P 500 Monthly Average Cap Index Account IBR
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1-Year Interest Account IBR
(Rate guaranteed for 1
Year)
*.** %
*.** %
State Specified Minimum Interest Rate: ****
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Provisions
Free Look Period:
****
(Free look period may vary by state)
Rate Lock Protection:
****
Bail Out Provision Available:
***
*** *** ***:
****
Loan Provision Available:
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Tax Sheltered:
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Market Value Adjustment:
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MRD:
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Front-End Fee:
***
Annual Maintenance Fee:
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Return of Premium Available:
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Death Benefit is:
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Premiums
Non-Qual
Qualified
Min Single Premium:
****
*******
Max Single Premium:
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
Min Age
Non-Qual
Qualified
Owner:
*****
*****
Annuitant:
*****
*****
*****
Impaired:
*****
*****
Annuitization Age:
*****
*****
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Systematic Withdrawals
Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****
**** *** ***** ** $****.**
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MVA Explanation
Not available in CA DE
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Commissions
Effective date of commission schedule: 12/07/2021
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
Option A
Market Value 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:
****
****
****
****
****
****
****
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****
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Option B
Market Value 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:
****
****
****
****
****
****
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Trail:
Trail years ***+ is *****
Option C
Market Value 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 *****
--[ subscription required to view full text ]--
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***** *** ***** ** *** ***** ** ********* * - * ***%
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4748
PO Box 1258
Middleboro MA 02346
Phone: 866-812-6800