EquiTrust MarketFive – 5-Year Growth with Guarantees and Market-Linked Potential
At Diversified Insurance Brokers, we help individuals find annuity solutions that provide security, flexibility, and growth—without long-term commitment. The EquiTrust MarketFive Fixed Indexed Annuity, issued by EquiTrust Life Insurance Company, delivers just that. With a short 5-year term, strong downside protection, and growth potential through multiple index options, it’s a powerful choice for near-retirees or conservative investors.
If you’re looking to protect your money while giving it a chance to grow over a defined period, MarketFive may be the perfect fit for your plan.
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A Short-Term Annuity with Long-Term Value
The MarketFive is a 5-year fixed indexed annuity that allows you to participate in market-linked growth while maintaining control over your timeline. This product includes:
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Index crediting strategies tied to the S&P 500, Barclays Focus50, and S&P MARC 5% Excess Return Index
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An annual reset feature that locks in gains each year
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A 0% floor to protect your money from market downturns
Your gains are locked in, your losses are prevented, and your term is defined—making it ideal for planning around early retirement or other short-term financial goals.
Built-In Guarantees for Confidence and Flexibility
This annuity offers multiple guarantees designed to protect and grow your investment:
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Guaranteed Accumulation Value of 105% of your premiums (less withdrawals) after 5 years
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Minimum Guaranteed Surrender Value, equal to 87.5% of premiums plus interest
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Penalty-free withdrawals of up to 10% annually, plus nursing home and terminal illness waivers
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Death benefit protection, with the full account value passed to your beneficiaries
These guarantees allow you to grow your money confidently—even in uncertain markets.
Want to see how it fits into your retirement strategy?
👉 Request Your Custom Annuity Quote
Trusted Backing from EquiTrust
EquiTrust Life Insurance Company brings strength and stability to the MarketFive product. Known for dependable service and innovation in the annuity space, EquiTrust helps ensure your money is in good hands.
When you partner with Diversified Insurance Brokers, you get unbiased guidance, product comparisons, and a retirement strategy tailored specifically to your goals.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: EquiTrust MarketFive Annuity
What is EquiTrust MarketFive?
MarketFive is a 5-year fixed indexed annuity from EquiTrust designed for short-to-mid-term savers who want index-linked growth potential, principal protection, and a compact surrender period compared to longer FIA contracts.
How does MarketFive credit interest?
Interest is credited based on the performance of selected index strategies, such as participation-rate or cap-based methods. Positive index returns generate interest credits; negative index periods never reduce your account value.
Does MarketFive include a fixed-interest option?
Yes. The annuity typically includes a fixed-rate allocation that offers guaranteed interest for those who want a portion of funds in a stable, predictable return option.
Is my principal protected?
Yes. MarketFive is a fixed indexed annuity, meaning your premium and credited interest are protected from market downturns. Your value cannot decline due to poor index performance.
Are penalty-free withdrawals allowed?
Most versions allow limited annual penalty-free withdrawals after the first contract anniversary, subject to contract rules. Excess withdrawals may reduce benefits or cause surrender charges.
Does this annuity include a bonus?
No. MarketFive typically focuses on shorter-term accumulation rather than upfront bonuses, helping maintain contract efficiency and liquidity over the 5-year period.
Is there a Market Value Adjustment (MVA)?
Some versions may include an MVA, which adjusts certain early withdrawal amounts based on interest-rate changes. It does not apply when holding the contract through the full surrender period.
Can I use IRA or rollover assets?
Yes. MarketFive typically accepts qualified money such as IRA and 401(k) rollovers, as well as non-qualified funds.
What happens at the end of the 5-year term?
At maturity, you gain full liquidity. You may withdraw the full value without surrender charges, renew into another crediting period if offered, or roll the funds into a new annuity or retirement strategy.
Who is MarketFive best suited for?
This annuity is ideal for individuals who want principal protection, competitive index-linked accumulation, and a relatively short surrender period—making it attractive for near-retirees or conservative savers.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
