EquiTrust MarketSeven Indexed Annuity – Smart Growth with Custom Index Options
At Diversified Insurance Brokers, we select annuities that give you choice and clarity. The EquiTrust MarketSeven Indexed Annuity, issued by EquiTrust Insurance Company, offers customizable index crediting options, optional income riders, and the security of a protected principal.
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Key advantages include:
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Multiple index crediting options: point-to-point, annual reset, or monthly strategies
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Built-in market protection to safeguard your initial investment
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Flexibility to add optional riders for lifetime income or enhanced liquidity
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Tax-deferred growth for more efficient compounding
Backed by financially strong EquiTrust Life, MarketSeven gives clients control over their accumulation strategy without risk. With our access to over 75 top carriers, Diversified Insurance Brokers can help you position this FIA within your broader retirement plan.
Interested in customizing your annuity’s growth path? We can help.
Diversified Insurance Brokers partners with over 75 leading carriers, including EquiTrust. We’ll guide you through crediting selections, optional riders, and how MarketSeven fits into 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.
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FAQs: EquiTrust MarketSeven Annuity
What is the EquiTrust MarketSeven annuity?
EquiTrust MarketSeven is a fixed indexed annuity that offers market-linked growth potential while protecting your principal from downside risk. It’s designed for long-term accumulation with flexibility in crediting options.
How does MarketSeven credit interest?
The annuity uses selected index-linking strategies — such as capped or participation-based crediting tied to an external stock index — to determine interest credits. If the index performs well, you receive credited interest according to contract terms; if it performs poorly, you receive no interest credit, but your contract value remains intact.
Is there a fixed-interest option?
Yes. In addition to index-based strategies, MarketSeven offers a fixed-interest account option for those preferring a stable, guaranteed return instead of index variability.
What liquidity features are available?
The contract generally allows annual penalty-free withdrawals up to a specified percentage of the account value after the first contract year. Withdrawals beyond that amount or early surrender during the surrender-charge period may result in surrender charges or market-value adjustments.
Is my principal protected from market downturns?
Yes. MarketSeven protects your original premium and any previously credited interest from negative index performance. Market losses do not reduce your annuity value — the worst outcome is receiving zero interest credit for that period.
Are optional income or benefit riders available?
Depending on state availability and contract version, MarketSeven may offer optional riders such as a guaranteed lifetime income benefit or enhanced death benefit. These riders come at an additional cost and can provide more flexibility depending on your retirement goals.
What is the surrender charge period?
The annuity includes a surrender charge schedule for a number of years. If you surrender the contract or withdraw more than the penalty-free allowance during that period, surrender charges and potential adjustments may apply.
Who is MarketSeven best suited for?
This annuity may be a good fit for individuals seeking a balance of safety and growth: those wanting downside protection, potential upside tied to index performance, and optional flexibility for income or withdrawals in retirement planning.
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.
