Ready to kick back and retire? To put rush hour and the daily grind behind you? Retirement is a time to enjoy life on your terms. That’s why it’s wise to have an income strategy for the future. EquiTrust offers a way for you to build income on a tax-deferred basis, protect your principal, enjoy a lifetime income stream and get a bonus on the premiums you pay — MarketTen Bonus Index ® Annuity. HOW DOES A FIXED INDEX ANNUITY WORK? A fixed index annuity (FIA) — like MarketTen Bonus 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
What about bonus FIAs? The bonus isn’t only in the name. Bonus FIAs apply a percentage bonus to your premium. With MarketTen Bonus Index, EquiTrust immediately credits your annuity an extra 6% on any premiums you pay during the first five contract years.
2 | MARKETTEN BONUS INDEX ANNUITY
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