EquiTrust MarketForce Bonus – 8% Bonus, Index Growth & Retirement Security
At Diversified Insurance Brokers, we specialize in helping individuals secure customized annuity solutions designed for market participation with downside protection and long-term financial stability. The EquiTrust MarketForce Bonus Index Annuity, issued by EquiTrust Life Insurance Company, combines a competitive bonus, strong growth strategies, and penalty-free access to funds—making it a compelling solution for retirement savers.
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Growth and Bonus Power for Retirement
The standout feature of this annuity is the 8% premium bonus, which is applied to all first-year contributions. This bonus immediately boosts your contract value, helping to enhance both growth and potential income later in retirement.
The MarketForce Bonus also offers:
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Multiple index crediting strategies, including S&P 500 and other customized indices
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Rate buy-up options that allow for higher caps and participation rates, maximizing potential gains
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Non-fee-based index accounts, giving you flexibility and control over your allocation mix
Liquidity and Access When Life Happens
After the first year, policyholders can take up to 10% of their contract value penalty-free each year. Additional flexibility includes:
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Nursing home and terminal illness waivers, offering full access during qualifying events
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A guaranteed death benefit that ensures your full accumulation value goes to your beneficiaries
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Designed for Real-Life Retirement Needs
This annuity allows for optional income payout structures, which can be used to create a guaranteed income stream in retirement. Whether you’re rolling over an IRA or 401(k), or investing non-qualified funds, the MarketForce Bonus Index Annuity is built to adapt to your goals.
Who Should Consider This Annuity?
This product is a smart fit for:
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Pre-retirees seeking safe accumulation with added bonus value
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Individuals rolling over a retirement account looking for guaranteed protection
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Anyone wanting penalty-free access to funds and income options later in life
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Savers interested in higher earning potential without direct market exposure
Trusted Carrier Strength
EquiTrust is recognized for its financial stability, conservative management, and a strong track record in the fixed indexed annuity space.
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 MarketForce Bonus Index Annuity
What is MarketForce Bonus?
MarketForce Bonus is a fixed-indexed deferred annuity from EquiTrust that offers a premium bonus on contributions, along with index-linked growth potential and protection from downside market risk.
How does the bonus work?
When you make a premium payment (in the first contract year), EquiTrust adds an extra 8% bonus to your accumulation value — immediately boosting the starting value that earns interest and index credits.
Does the bonus become part of my guaranteed value?
Yes. The bonus is added to your accumulation value permanently. It participates in index credits or fixed interest the same as your premium, and is included in the contract’s death benefit.
How is interest credited?
You may allocate funds (premium + bonus) among multiple index-linked accounts or a fixed-rate account. Index accounts deliver crediting when the index performs positively, while the fixed account provides stable interest.
Do I share in market losses?
No. As a fixed indexed annuity, your principal — including the bonus — is protected. If the index declines, you simply earn zero index credit for that period; you don’t lose value due to market downturns.
Are penalty-free withdrawals allowed?
Most versions allow limited annual withdrawals without surrender charges, usually after the first contract year. Withdrawals beyond limits or early full surrender may trigger surrender charges or market-value adjustments (if applicable).
What is the surrender charge period?
This product uses a surrender charge schedule for a multi-year period. Early full withdrawal during this period may result in fees or a reduction in surrender value.
Can I use retirement funds to fund this annuity?
Yes. MarketForce Bonus can typically be funded with qualified funds (IRA, 401(k) rollovers) or non-qualified savings, depending on your needs and account rules.
What happens at contract maturity or surrender-free date?
At the end of the surrender period, you can withdraw the full accumulation value (premium + bonus + credited interest) without surrender charges, or you may choose to continue growing the value on a tax-deferred basis.
Who is MarketForce Bonus best suited for?
This annuity works well for individuals who want a retirement accumulation vehicle with an upfront growth boost, principal protection, index-linked upside, and the flexibility to convert to income later or access funds if needed.
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.
