HOW DOES A FIXED INDEX ANNUITY WORK? A fixed index annuity (FIA) — like MarketFive 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 contract anniversaries, “index credits” are calculated based on the movement of the index or indices you chose 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. You’ve worked hard for retirement, and now it’s right around the corner. As it gets closer, you’re likely thinking more about your vision for the future. But whether you’re hoping to spend more time with family, travel the world or simply relax, protecting your finances is key. At EquiTrust, we’re committed to helping you work toward your goals. That’s why we created MarketFive™, a five-year fixed index annuity designed to help get you to the retirement finish line.
If index declines
Growth
Accumulation Value remains unchanged
Time
Index
Accumulation Value
2 | MARKETFIVE INDEX TM ANNUITY
Made with FlippingBook - Share PDF online