EquiTrust MarketMax Index Annuity – Market Upside with Downside Protection
At Diversified Insurance Brokers, we specialize in annuities that balance growth and security. The EquiTrust MarketMax Index Annuity, issued by EquiTrust Insurance Company, is a superior choice for clients seeking exposure to market gains through index strategies—without risking their initial investment.
Here’s what makes it a standout:
-
Multiple index crediting strategies (point-to-point, annual reset, monthly cap), giving you flexible growth potential
-
Built-in floor protection that safeguards your principal against market dips
-
Tax-deferred growth, allowing compounding to work more effectively
-
Optional underlying riders to add liquidity or future income, depending on your plan
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Backed by EquiTrust Life’s financial stability, this product delivers a reliable foundation for long-term retirement planning. At Diversified Insurance Brokers, we compare options across over 75 top-rated carriers to ensure you get the best rates, features, and fit for your personal goals.
If you’re looking for growth potential with peace of mind—or want to build a retirement strategy that combines upside with stability—the MarketMax Index Annuity could be the perfect match.
Interested in market-linked growth with downside security? Let’s explore it together.
Diversified Insurance Brokers partners with over 75 leading carriers, including EquiTrust, to help you evaluate crediting strategies, features, and optional benefits that fit your retirement 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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: EquiTrust MarketMax Annuity
What is the EquiTrust MarketMax annuity?
The EquiTrust MarketMax annuity is a fixed indexed annuity designed for long-term accumulation and retirement planning. It offers indexed crediting strategies that link interest credits to the performance of market indices, while protecting your principal from market losses.
How does the MarketMax annuity credit interest?
Interest is credited based on one or more index-linked strategies, such as annual point-to-point, monthly average, or other index crediting methods. Each strategy uses caps, participation rates, or spreads to determine how much interest is credited based on index performance.
Is there a fixed interest option?
Yes. In addition to the index-crediting strategies, the MarketMax annuity typically offers a fixed interest option that earns a guaranteed interest rate for a defined period — giving you stability along with indexed growth potential.
Does MarketMax offer liquidity?
Yes. After the first contract year, the annuity generally allows annual penalty-free withdrawals up to a specified percentage of the account value. Withdrawals beyond that amount during the surrender period may incur surrender charges and, if applicable, a market value adjustment.
Is my principal protected from market declines?
Yes. As a fixed indexed annuity, MarketMax protects your principal and previously credited interest from negative index performance. Market losses won’t reduce your contract value; instead, you simply earn no interest credit for that period.
Are optional income riders available?
Depending on the contract version and state availability, EquiTrust may offer optional income riders — such as guaranteed lifetime income benefits — for an additional cost. These riders can provide predictable income in retirement.
What is the surrender charge period?
MarketMax includes a multiyear surrender charge schedule. Surrender charges and market value adjustments may apply if you make withdrawals above the penalty-free allowance or fully surrender the contract during the surrender period.
Who is the EquiTrust MarketMax annuity best suited for?
This annuity is typically suited for individuals seeking a balance of principal protection and indexed growth potential, along with flexible crediting options and, where available, guaranteed income through optional riders.
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.
