ADVANTAGES OF MARKETTEN BONUS INDEX Your FIA contract is backed by the claims-paying ability of the insurance company, EquiTrust. FIAs offer several important advantages:
Withdrawal privileges 2
Protection of your principal
Guaranteed lifetime income with the optional Income Benefit Rider (IBR)
Tax-deferred earnings
6% premium bonus
Built-in guarantees 1
YOU CONTROL YOUR MONEY — COMING IN OR GOING OUT MarketTen Bonus Index puts you in the driver’s seat, with flexibility and options that give you control over your money. Premiums and premium bonus After your initial premium payment, you may add subsequent premiums at any time. The entire premium amount and a 6% premium bonus — on premiums added during the first five years — are credited to the Accumulation Value. You then earn interest and index credits on your premium and 6% bonus. If you surrender your contract, a surrender charge and Market Value Adjustment (MVA) 6 may be applied to the full Accumulation Value, but you won’t lose your bonus. In the event of your death, 100% of your premium bonus is included in the death benefit.
You may allocate your premiums to the fixed rate account or index accounts.
Fixed rate account 1-Year Interest Account — Interest rate is guaranteed for one contract year. May change subject to contractual Minimum Guaranteed Interest Rate on each contract anniversary. Subsequent premiums are applied to this account until contract anniversary, then allocated per instructions.
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