Equitrust Market Max Fixed Indexed Annuity

Rate buy-up accounts Allocations directed to rate buy-up accounts offer the advantage of greater growth potential due to enhanced cap and participation rates. A 1.50% fee is deducted from the Accumulation Value at the beginning of each contract year, based only on the allocation to rate buy-up accounts. The initial charge occurs on the contract effective date, and the 1.50% annual fee will not change for the duration of the contract. If the index credits for a given contract year are less than the fee, the Accumulation Value allocated to the rate buy-up account may decrease. period. Cap and participation rates are reset annually. Two options are available: • 1-Year Point-to-Point Cap — Index credits are based on the percentage change in the underlying index from the previous contract anniversary, up to a specified cap. • 1-Year Point-to-Point Participation — Index credits are based on the percentage change in the underlying index from the previous contract anniversary, multiplied by the participation rate. Index account options A variety of index accounts offer index credits based on the changes of a specified index. Credits are never less than zero, and are added to accounts at the end of the one-year

Indices

S&P MARC 5% Excess Return Index

Barclay’s Focus50 Index

Account options

S&P 500 Index

1-Year Point-to-Point Cap

1-Year Point-to-Point Participation

Non-fee-based index accounts There is no fee assessed on allocations directed to non-fee-based accounts.