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:

• S&P 500® Index (excluding dividends)

• S&P 500 Dynamic Intraday TCA Index

• Barclays Focus50 Index

• 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:

• Nursing Home Waiver

• Terminal Illness Waiver

• 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:

• Individuals who want market-linked growth with principal protection

• Clients seeking an upfront premium bonus to enhance their account early

• Those who may need penalty-free access in case of illness or long-term care needs

• People who value the security of a Return of Premium guarantee

• 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.