As you start to see your working years in the rearview mirror, you’re probably envisioning what’s down the road — maybe spending time with grandkids, taking road trips in the RV or picking up a new hobby. Now’s the time to preserve your principal while you grow the income you need to accomplish your goals. EquiTrust offers a solution to help you build your income and prepare for retirement — MarketValue Index® Annuity. HOW DOES A FIXED INDEX ANNUITY WORK? A fixed index annuity (FIA) — like MarketValue Index® — is a product designed to provide you income for retirement through interest earned on market indices. Your money is never exposed to downside market risk. In fact, you share only in the gains, not the losses. Growing your Accumulation Value It starts by choosing your index accounts and crediting strategies, providing you the ability to diversify your retirement strategy. Then, on appropriate contract anniversaries, “index credits” are determined on these accounts and applied to your contract’s current Accumulation Value. If the index value increases, your Accumulation Value grows. If the index value declines, your Accumulation Value will simply remain unchanged from the previous period’s Accumulation Value. Index credits will never be less than zero.
If index declines
Accumulation Value remains unchanged
Growth
Time
Index
Accumulation Value
2 | MARKETVALUE INDEX® ANNUITY
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