EquiTrust MarketTen Bonus Index Annuity – Premium Bonus Growth with Flexible Income and Return Guarantees
A Bonus-Packed Strategy for Long-Term Retirement Growth
At Diversified Insurance Brokers, we help clients make smart decisions about annuities that balance growth and protection. The EquiTrust MarketTen Bonus Index Annuity delivers both—combining a meaningful upfront bonus with flexible income options and built-in safeguards for the future.
Whether you’re looking for market-linked accumulation or the ability to guarantee income later in life, this annuity is engineered to support a wide range of retirement goals.
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6% Premium Bonus Over 5 Years
The standout feature of the MarketTen Bonus annuity is its 6% premium bonus—applied to all premium contributions made within the first five years of the contract. This feature can significantly boost your account value, giving your retirement savings a stronger start.
Like most fixed indexed annuities, the contract allows for tax-deferred growth, helping your assets compound without annual taxation.
To see how this bonus compares to other top annuities in today’s market, complete our annuity quote request form for a personalized rate and product comparison.
Diverse Index Crediting Strategies with Downside Protection
The MarketTen Bonus annuity offers a variety of index crediting strategies, giving you multiple ways to earn market-linked interest:
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S&P 500® Index (excluding dividends)
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S&P 500 Dynamic Intraday TCA Index
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Barclays Focus50 Index
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S&P MARC 5% Excess Return Index
No matter which index you choose, your principal is protected from market losses—so even in a downturn, your retirement savings won’t go backward.
Liquidity, Guarantees, and Built-In Safety Nets
After the first contract year, you can take up to 10% of your account value annually without penalty. The contract also includes:
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Nursing Home Waiver
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Terminal Illness Waiver
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A Return of Premium Rider, which ensures that if you surrender the policy, you’ll never receive less than the original premium paid
These features provide peace of mind and flexibility, even if your needs or health situation change unexpectedly.
Legacy Planning Benefits
Should you pass away during the contract, the full accumulation value is paid to your beneficiaries without surrender charges—streamlining the estate process and maximizing the legacy you leave behind.
Who This Annuity May Be a Good Fit For
The EquiTrust MarketTen Bonus Index Annuity may be ideal for:
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Individuals who want market-linked growth with principal protection
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Clients seeking an upfront premium bonus to enhance their account early
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Those who may need penalty-free access in case of illness or long-term care needs
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People who value the security of a Return of Premium guarantee
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Retirees or pre-retirees planning to convert savings into guaranteed income down the road
This annuity is especially well-suited for rollovers, IRA transfers, and reallocating safe-money assets into a product that offers more than just fixed interest.
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 MarketTen Bonus Annuity
What is the EquiTrust MarketTen Bonus Annuity?
MarketTen Bonus is a fixed indexed annuity with a 10-year surrender period that includes an upfront bonus designed to enhance early contract value. It focuses on long-term accumulation, index-linked growth potential, and downside protection during periods of market volatility.
How does the upfront bonus work?
The bonus is applied immediately to the contract’s accumulation value. Depending on the product version, the bonus may vest over time and may be reduced if you surrender early. It is primarily intended to improve growth during the first several years of the contract.
Does the bonus also apply to the income base?
Some versions may apply the bonus to the income value if an optional income rider is selected. This varies by contract and state availability, so it’s important to verify whether the bonus enhances one or both values.
What types of index strategies does MarketTen Bonus offer?
The annuity typically includes a mix of index-crediting options such as participation-rate strategies, spread-based methods, and multi-year point-to-point choices. Many versions also offer blended indices for diversified crediting potential.
Is my principal protected if the index drops?
Yes. Even if the underlying index performs negatively, the MarketTen Bonus guarantees your contract value will not decline due to market performance. The lowest possible credited interest for an index period is zero.
What are the liquidity rules during the 10-year period?
The contract generally includes an annual penalty-free withdrawal allowance. Withdrawals above this limit may cause surrender charges or bonus recapture. Full liquidity becomes available once the 10-year surrender period ends.
Is a fixed-rate option available?
Yes. MarketTen Bonus usually includes a fixed-interest allocation for part of your premium. This option provides a guaranteed return for savers who want stability alongside index-linked strategies.
Can I fund MarketTen Bonus with rollovers or qualified transfers?
Yes. The product commonly accepts rollovers and transfers from IRAs and employer-sponsored retirement plans. Many use it as part of a repositioning strategy similar to the process described in our 403b transfer guide.
Does the annuity include built-in income features?
Income can be taken through annuitization or optional riders depending on the contract version. While the bonus may enhance the income value in some states, MarketTen Bonus is primarily structured for accumulation.
Who is MarketTen Bonus best suited for?
This annuity is ideal for long-term savers seeking enhanced early value, principal protection, diversified index strategies, and a competitive accumulation path without market downside. It works well for individuals comfortable with a 10-year commitment.
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.
