EquiTrust MarketTen Bonus Index Annuity – Premium Bonus Growth with Flexible Income and Return Guarantees
EquiTrust MarketTen Bonus Index Annuity – Premium Bonus Growth with Flexible Income and Return Guarantees
The EquiTrust MarketTen Bonus Index Annuity, issued by EquiTrust Life and Annuity Company, is a flexible premium fixed indexed deferred annuity designed for individuals who want meaningful index-linked growth potential without exposing retirement savings to direct market losses. It combines a structured premium bonus on contributions made within the first five contract years, diversified index crediting options, a 10-year surrender period, and a Return of Premium guarantee — making it an accumulation-focused vehicle for pre-retirees repositioning IRA assets, retirees reallocating conservative portfolio segments, or savers transitioning out of underperforming CDs and bond funds. At Diversified Insurance Brokers, Jason Stolz, CLTC, CRPC, DIA, CAA helps clients evaluate whether MarketTen Bonus fits their specific timeline, income objectives, and accumulation goals — and compare it against competing FIA designs when the overall outcome matters more than any single product feature.
Like other fixed indexed annuities, MarketTen Bonus does not directly invest in equities. Instead, it credits interest based on the performance of selected market indexes — subject to participation rates, spreads, or caps — while protecting principal from downside risk. If the chosen index declines during a crediting period, the contract credits 0% rather than a negative return. Any interest that is credited becomes locked in and cannot be lost due to future market volatility. For a full technical explanation of this structure, our resource on how a fixed indexed annuity works covers the crediting mechanics, protection-first framework, and the tradeoffs between accumulation potential and downside protection that define the FIA category. Understanding this framework is essential before comparing specific product features. Our resource on who is best suited for an indexed annuity covers the investor profile and planning objective characteristics that most commonly align with FIA design — including the specific scenarios where the protection-first structure consistently outperforms what a market-dependent withdrawal strategy would produce. Checking EquiTrust’s financial strength and company background before committing to any long-term contract is also prudent due diligence.
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EquiTrust MarketTen Bonus — Product Specifications at a Glance
The table below summarizes the confirmed contract parameters for the MarketTen Bonus as documented in the official EquiTrust product brochure. Rates, crediting methods, and product specifications are subject to carrier adjustment and state availability. Contact us for the current rate sheet and complete product details before making any purchase decision.
| Feature | Details |
|---|---|
| Contract Type | Flexible Premium Fixed Indexed Deferred Annuity with Premium Bonus |
| Surrender Period | 10 years |
| Surrender Charge Schedule (Years 1–10) | Year 1: 10% | Year 2: 10% | Year 3: 10% | Year 4: 10% | Year 5: 8.5% | Year 6: 7% | Year 7: 5.5% | Year 8: 4% | Year 9: 3% | Year 10: 1.5% |
| Premium Bonus Eligibility Window | Premiums received during the first five contract years receive the premium bonus. This extended window allows subsequent contributions to benefit from the same bonus enhancement as the initial deposit. |
| Minimum Initial Premium | $10,000 (non-qualified) | $5,000 (qualified) |
| Contract Maximum (Without Prior Approval) | $2,000,000 cumulative across all EquiTrust annuity products |
| Subsequent Premium Minimum | $2,000 per contribution |
| Subsequent Annual Maximum (After Year 1) | $250,000 per contract year |
| Free Withdrawal Allowance | Up to 10% of Accumulation Value annually; available after the first contract year. Systematic withdrawals of interest from the Fixed Rate Account allowed in Year 1 without charge by current company practice. |
| Market Value Adjustment (MVA) | Applies to excess withdrawals and full surrender during the surrender charge period. MVA can be positive or negative depending on interest rate environment at time of withdrawal. |
| Rate Buy-Up Option | Available at 1% annual fee; provides access to higher caps or participation rates. Growth must exceed the annual fee for Accumulation Value to increase in Buy-Up accounts. |
| Index Crediting Options | 11 options total: 1 fixed rate account + 10 indexed strategies including S&P 500®, S&P 500 Dynamic Intraday TCA Index, S&P MARC 5% Excess Return Index, and others. Crediting methods include point-to-point with cap rates, spread-based strategies, and blended index options. |
| Minimum Guaranteed Contract Value (MGCV) | 87.5% of premiums paid (excluding the premium bonus), less any partial withdrawals, plus interest credited at a rate no lower than 1% and no higher than 3%. Cash Surrender Value will never be less than this floor. |
| Return of Premium Guarantee | Cash surrender value will never be less than total premiums paid less withdrawals (subject to MGCV and rider terms) |
| Nursing Home Waiver | Included at no additional cost. After the first contract year, full Accumulation Value is available without surrender charges or MVA following 90 consecutive days of nursing home or hospital confinement. |
| Death Benefit | Full Accumulation Value paid to beneficiaries during the surrender period without surrender charges; transfers efficiently, typically outside of probate |
| Qualified Funding Sources | Traditional IRA, Roth IRA, 401(k) rollover, 403(b) rollover, SEP IRA, and other qualified plan assets; non-qualified funds also accepted |
The 6% Premium Bonus — What It Does and What to Understand
The headline feature of MarketTen Bonus is its premium bonus applied to contributions made within the first five contract years. Unlike many bonus annuities that restrict bonus eligibility to initial deposits only, this extended window means that subsequent contributions — made throughout the first five years up to the $250,000 annual cap — also receive the bonus enhancement. Over time, that additional percentage can materially impact long-term compounding, especially when paired with tax-deferred growth. For investors comparing accumulation-driven annuities, our resource on current bonus annuity rates helps benchmark how bonus levels interact with surrender schedules and crediting caps across the competitive landscape.
The key context for any premium bonus is the vesting schedule and the behavior of the bonus upon early surrender. Understanding how bonus vesting works — when the bonus becomes fully yours versus when it may be recaptured if the contract is surrendered — is one of the most important questions to clarify before committing to any bonus annuity product. Our resource on what is a bonus annuity vesting schedule covers how vesting timelines work across different bonus annuity designs, why carriers structure bonuses with vesting periods, and how to evaluate the true economic value of a bonus relative to the surrender period commitment it requires. The MGCV floor (87.5% of premium excluding the bonus, plus minimum interest) means the contractual floor at which the contract is protected excludes the bonus amount — so while the bonus enhances the Accumulation Value, the floor calculation is based on premium contributed rather than premium plus bonus. Reviewing this distinction with your advisor before purchase clarifies the actual downside protection picture at different time horizons.
Market Value Adjustment — What It Is and When It Applies
The EquiTrust MarketTen Bonus includes a Market Value Adjustment (MVA) that applies to any withdrawal exceeding the annual free withdrawal amount (10% of Accumulation Value) and to full surrenders during the 10-year surrender period. An MVA adjusts the surrender or excess withdrawal amount based on changes in interest rates between the time the contract was issued and the time of the withdrawal. When interest rates have risen since the contract was issued, the MVA is typically negative — reducing the amount received. When rates have fallen, the MVA is typically positive — increasing the amount received. The MVA is one reason why these contracts are best suited for funds that genuinely have a 10-year or longer time horizon, and why the 10% annual free withdrawal provision is designed to cover most reasonable liquidity needs without triggering surrender charges or MVA. For a comprehensive explanation of how surrender charges and MVA interact with each other and with the free withdrawal provision, our resource on annuity surrender charges explained covers the full mechanics. Our resource on annuity free withdrawal rules covers how the 10% provision is typically calculated, when it resets, and how to structure withdrawals to stay within the penalty-free amount.
Rate Buy-Up Option — Higher Crediting in Exchange for Annual Fee
MarketTen Bonus includes an optional Rate Buy-Up feature that allows contract holders to access higher caps or participation rates on select index strategies in exchange for a 1% annual fee charged against the Accumulation Value. This fee is deducted regardless of index performance — including in years when the index credits 0%. That means in flat or down index years, the Rate Buy-Up fee reduces the Accumulation Value even though no interest was credited. For the Rate Buy-Up to improve the overall outcome, the enhanced crediting received in positive index years must exceed the 1% annual fee on a cumulative basis over the contract period. This tradeoff is worth evaluating carefully against the standard (non-buy-up) crediting rates before selecting the buy-up option. Our resource on index annuity crediting methods covers how different crediting structures — including participation rates, caps, spreads, and the specific methodologies used by multi-index designs — interact with fees and performance to produce the actual credited interest a contract holder receives.
Tax Deferral and Distribution Planning
MarketTen Bonus benefits from tax deferral, meaning interest compounds without annual taxation. This allows growth to accumulate more efficiently compared to taxable brokerage accounts. When income is eventually withdrawn, taxation follows IRS guidelines depending on whether the contract is qualified or non-qualified. Proper distribution planning can help manage tax brackets and coordinate withdrawals with Social Security and pension income. If you want clarity on distribution rules and IRS treatment, our resource on how annuities are taxed covers the exclusion ratio for non-qualified contracts, ordinary income treatment of gains, the 10% penalty for pre-59½ distributions, and how qualified and non-qualified annuity contracts are treated differently at distribution. Our resource on fixed annuity rates and how they compare provides context for how the tax-deferral advantage compounds over a 10-year period versus a taxable alternative at the same crediting rate — an important comparison for clients evaluating whether the MarketTen Bonus structure outperforms a CD ladder or bond fund on an after-tax basis.
Index Crediting Options — Eleven Strategies for Diversified Accumulation
The annuity offers 11 interest crediting strategies — one fixed rate account and ten indexed options — providing a range of risk/return profiles within the single contract. The fixed rate account provides a declared interest rate for the crediting period, functioning similarly to a traditional fixed annuity for that allocated portion. The indexed strategies include options tied to the S&P 500, S&P 500 Dynamic Intraday TCA Index, and S&P MARC 5% Excess Return Index. Each indexed strategy employs distinct volatility controls or allocation methodologies designed to smooth fluctuations and support more stable crediting potential over market cycles. While participation rates and caps are subject to carrier adjustment within contractual guidelines, the underlying protection principle remains consistent: principal is never reduced due to market losses. The specific rates across all 11 crediting options are shown on the current EquiTrust rate sheet, which changes periodically based on market conditions. For investors concerned about volatility after recent market swings, the downside protection across all indexed strategies can offer stability that traditional equity investments cannot guarantee. Our resource on sequence of returns risk covers why early-retirement market declines permanently impair market-dependent income strategies — and why the 0% floor on each indexed crediting period removes the most damaging scenario for withdrawals funded from this account.
Liquidity Provisions and Nursing Home Waiver
After the first contract year, policyholders may withdraw up to 10% of the account value annually without surrender charges or MVA. Systematic withdrawals are available on a monthly, quarterly, semiannual, or annual basis and can be automatically deposited to a bank account — making this the typical mechanism for managing regular income needs during the accumulation phase without incurring surrender charges. The Nursing Home Waiver eliminates the surrender charge and MVA restriction for the full Accumulation Value after the first contract year if the owner is confined to a nursing home or hospital for 90 consecutive days or more. This waiver is included at no additional cost and applies beginning in the second contract year. For clients who want to understand how the Nursing Home Waiver interacts with broader long-term care planning strategies — particularly the PPA annuity structure that allows tax-free LTC benefit payments from a qualified annuity — our resource on what is a Pension Protection Act PPA annuity covers the coordination of annuity contracts with long-term care cost planning.
Legacy Planning and Death Benefit
Legacy planning is straightforward. If the contract owner passes away during the surrender period, beneficiaries typically receive the full Accumulation Value without surrender charges being applied. This allows assets to transfer efficiently — often outside of probate — making the annuity not just a retirement tool but also a structured estate planning component. The Accumulation Value includes the premium bonus, meaning the bonus is fully reflected in the death benefit from the time of contract issuance. Beneficiaries receive the enhanced value rather than having the bonus recaptured at death. For clients evaluating whether the MarketTen Bonus fits into a broader legacy and retirement strategy, our resource on are annuities a good investment in retirement covers the evidence-based framework for evaluating when the FIA structure consistently outperforms alternatives and when the tradeoffs favor a different approach.
Rollover Strategy — Funding with IRA and Qualified Plan Assets
MarketTen Bonus accepts rollovers and transfers from traditional IRAs, Roth IRAs, 401(k) plans, 403(b) plans, SEP IRAs, and other qualified retirement plans, in addition to non-qualified premium contributions. This makes it widely accessible as a repositioning vehicle for retirement savers who want to move assets from underperforming fixed-income or conservative equity allocations into a protected indexed structure without triggering current taxation. The direct rollover mechanism — custodian to custodian — avoids the 60-day rollover window issue and mandatory 20% withholding that applies to indirect rollovers. For clients repositioning 401(k) assets, our resource on how to transfer a 401(k) to an annuity covers the transfer process, the sequence of steps, and what to verify with the receiving annuity carrier before initiating the transfer. Our resource on how to transfer a 403(b) to an annuity covers the comparable process for nonprofit and public employer retirement plan assets.
Who MarketTen Bonus Is Designed For
MarketTen Bonus is designed for long-term savers in the 50–72 age range who want enhanced early accumulation, principal protection against market losses, and a disciplined 10-year commitment that matches funds they genuinely do not need for liquidity purposes within the surrender period. It fits investors who are comfortable with the FIA structure — including the understanding that upside participation is capped or limited through crediting formulas, that 0% crediting in negative index years is the protection mechanism rather than a return shortfall, and that the 10% free withdrawal provision covers the realistic ongoing liquidity needs of the allocated funds. It also fits investors who want the operational simplicity of a structured, rules-based accumulation vehicle rather than an actively managed portfolio that requires ongoing tactical decisions. Our resource on fixed indexed annuity pros and cons covers both the genuine advantages and the real limitations of FIA design so that the commitment to a 10-year structure is made with clear eyes about what the product can and cannot do. Our resource on annuity options for retirees without pensions covers how indexed annuities fit into a pension-replacement framework for the large majority of retirees who do not have employer-sponsored lifetime income and need to build a reliable income floor from accumulated savings.
For clients focused specifically on income planning alongside the accumulation features, MarketTen Bonus can complement other lifetime income solutions in a layered retirement strategy. While this contract is primarily structured for accumulation, the Accumulation Value can be used as the premium for a subsequent income annuity at the end of the surrender period, effectively staging the transition from growth phase to income phase. Our resource on guaranteed lifetime withdrawal benefits explained covers the income rider mechanics that apply to FIA contracts with built-in income features — useful context for comparing MarketTen Bonus against FIA designs that include income riders as an optional add-on. For clients who want to evaluate their specific age and premium amount against what different annuity structures could produce in guaranteed monthly income, our resource on how to pick the right annuity covers the objective-first evaluation framework that consistently produces better product fit than selecting a product and fitting a goal to it afterward.
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FAQs: EquiTrust MarketTen Bonus Annuity
What is the EquiTrust MarketTen Bonus Annuity?
MarketTen Bonus is a flexible premium fixed indexed deferred annuity issued by EquiTrust Life Insurance Company. It has a 10-year surrender period and includes a premium bonus on contributions made within the first five contract years. The contract focuses on long-term accumulation through index-linked growth potential and principal protection — meaning the Accumulation Value cannot decline due to negative index performance. It offers 11 interest crediting options (one fixed rate account and ten indexed strategies), a Market Value Adjustment that applies to excess withdrawals and surrenders during the surrender period, a Nursing Home Waiver, and a cash surrender value floor that ensures the contract will not return less than a defined minimum based on premium paid and guaranteed minimum interest.
How does the premium bonus work and does it vest over time?
The premium bonus is applied to qualifying contributions received during the first five contract years, including subsequent premiums (subject to the $250,000 annual maximum after year 1). The bonus is credited to the Accumulation Value at the time each qualifying premium is received, providing an immediate head start on accumulation. However, it is important to understand how the bonus interacts with early surrender: the Minimum Guaranteed Contract Value calculation — the contractual floor that protects the contract holder — is based on 87.5% of premiums paid excluding the bonus, plus minimum guaranteed interest. This means the bonus enhances the Accumulation Value from day one but is not reflected in the MGCV floor. In the event of an early surrender during the first several contract years, surrender charges and MVA can reduce the Accumulation Value significantly, potentially to below the amount of premium plus bonus received. Reviewing the payoff schedule at different time horizons with your advisor before purchase clarifies the economic value of the bonus relative to the surrender period commitment required.
What is the surrender charge schedule for MarketTen Bonus?
The surrender charge schedule for the MarketTen Bonus declines annually over the 10-year surrender period. The confirmed percentages from the official EquiTrust product brochure are: Year 1: 10%, Year 2: 10%, Year 3: 10%, Year 4: 10%, Year 5: 8.5%, Year 6: 7%, Year 7: 5.5%, Year 8: 4%, Year 9: 3%, Year 10: 1.5%. After the surrender period ends, the cash surrender value equals the full Accumulation Value with no further charges. Surrender charges apply only to the amount withdrawn beyond the 10% annual free withdrawal provision. The Market Value Adjustment (MVA) also applies to excess withdrawals and surrender during the surrender period. Surrender charge schedules may differ in certain states — verify with current documentation before purchase.
Is my principal protected if the index drops?
Yes. Even if the underlying index produces a negative return during a crediting period, the MarketTen Bonus credits 0% rather than applying a negative return to your Accumulation Value. This 0% floor is the defining protection feature of fixed indexed annuities: principal accumulated in the contract cannot be lost due to market losses. Additionally, any interest credited in prior periods becomes locked in and cannot be reversed by future market declines. The cash surrender value floor (MGCV) provides a separate contractual minimum — 87.5% of premiums paid excluding the bonus, plus minimum guaranteed interest — that represents the lowest value the contract can reach regardless of market conditions or interest crediting outcomes. The protection does not apply to surrender charges, MVA, or rider fees, which are separate from the index crediting mechanism.
What are the free withdrawal and liquidity rules during the 10-year period?
After the first contract year, up to 10% of the Accumulation Value may be withdrawn annually without surrender charges or Market Value Adjustment. Systematic withdrawals are available on monthly, quarterly, semiannual, or annual schedules and can be automatically deposited to a linked bank account. In the first contract year, interest earned in the Fixed Rate Account may be withdrawn systematically without charges by current company practice. Withdrawals above the 10% free withdrawal amount are subject to surrender charges based on the applicable year’s rate plus any Market Value Adjustment. Withdrawals before age 59½ may also be subject to the 10% IRS penalty tax. The Nursing Home Waiver provides access to the full Accumulation Value without surrender charges or MVA after 90 consecutive days of hospital or nursing home confinement, beginning in the second contract year.
What is a Market Value Adjustment and how does it affect me?
A Market Value Adjustment (MVA) is an adjustment applied to excess withdrawals and surrenders during the surrender period that reflects changes in interest rates between the contract issue date and the withdrawal date. When interest rates have risen since the contract was issued, the MVA is typically negative — reducing the amount the contract holder receives on excess withdrawal or surrender. When interest rates have fallen, the MVA is typically positive — increasing the amount received. The MVA does not apply to the 10% annual free withdrawal amount or to withdrawals triggered by the Nursing Home Waiver. The MVA is one reason why this contract is best suited for funds with a genuine 10-year time horizon — unexpected early surrender in a rising rate environment can result in receiving meaningfully less than the Accumulation Value shown on the statement.
What index strategies does MarketTen Bonus offer?
MarketTen Bonus offers 11 interest crediting options: one fixed rate account and ten indexed strategies. The indexed options include strategies tied to the S&P 500®, the S&P 500 Dynamic Intraday TCA Index, and the S&P MARC 5% Excess Return Index (officially named the S&P Multi-Asset Risk Control 5% Excess Return Index), among others. Crediting methods include point-to-point with cap rates, spread-based options, and blended multi-index strategies. The Rate Buy-Up option provides access to higher caps or participation rates on select strategies in exchange for a 1% annual fee deducted from the Accumulation Value. Current participation rates, cap rates, and spreads are published on the EquiTrust rate sheet and are subject to change at carrier discretion within contractual limits. Rates at the time of your specific purchase should be confirmed from the current rate sheet — published rates can change between the time you review information and the time your contract is issued.
Is a fixed rate option available?
Yes. MarketTen Bonus includes a Fixed Rate Account that earns a declared interest rate for the applicable crediting period. This account functions similarly to a traditional fixed annuity for the allocated portion — providing a guaranteed return without any index-linked variability. Contract holders can allocate all or a portion of their premium to the Fixed Rate Account, with the remainder allocated to one or more indexed strategies. Subsequent premiums received after the initial deposit are automatically added to the Fixed Rate Account at the time of receipt and then reallocated among accounts according to the most recent allocation instructions on each contract anniversary. The Fixed Rate Account provides stability and predictability for the portion of assets where market participation is not desired.
Can I fund MarketTen Bonus with rollovers or qualified transfers?
Yes. The MarketTen Bonus accepts rollovers and transfers from traditional IRAs, Roth IRAs, 401(k) plans, 403(b) plans, SEP IRAs, and other qualified retirement plans. Non-qualified (after-tax) funds are also accepted. For qualified plan rollovers, the direct trustee-to-custodian transfer method avoids the 60-day window issue and the mandatory 20% withholding that applies to indirect rollovers. The minimum initial premium is $5,000 for qualified accounts and $10,000 for non-qualified accounts. Many clients use MarketTen Bonus as part of a repositioning strategy — moving assets from underperforming fixed income, conservative equity, or legacy insurance products into a structured indexed accumulation vehicle that provides protection while maintaining growth potential over the 10-year period. The qualified vs. non-qualified designation affects how distributions are taxed at withdrawal, so confirming the correct contract coding with the carrier and your tax advisor before initiating a rollover is an important step.
Does the annuity include built-in income features?
MarketTen Bonus is primarily structured as an accumulation vehicle rather than an income-first design. Income can be taken through systematic free withdrawals during the accumulation phase, through annuitization at the end of the surrender period (which converts the Accumulation Value into a defined payment stream), or through optional income riders if available in the applicable state and product version. The premium bonus may enhance the income value in some states and product versions when an optional income rider is selected — this should be verified with current product documentation for the specific state and version being purchased. For clients whose primary objective is converting savings into predictable lifetime payments, comparing MarketTen Bonus against FIA designs with built-in guaranteed lifetime withdrawal benefit riders may produce a different outcome depending on the balance between accumulation enhancement (bonus) and income optimization (income rider design).
What is the Minimum Guaranteed Contract Value?
The Minimum Guaranteed Contract Value (MGCV) is the contractual floor below which the cash surrender value will never fall, regardless of market conditions, low crediting periods, or other contract events. For the MarketTen Bonus, the MGCV is calculated as 87.5% of premiums paid (excluding the premium bonus), less any partial withdrawals, plus interest credited at a minimum rate of 1% and a maximum rate of 3%. The MGCV calculation excludes the premium bonus — the floor is based on actual premium paid, not premium plus bonus. This distinction matters in scenarios where an early surrender occurs after a period of flat or low index crediting and significant surrender charges: the MGCV represents the absolute worst-case floor for the cash surrender value, but that floor does not include the bonus in its calculation. In practice, the Accumulation Value (which includes the bonus) is typically well above the MGCV floor after the early contract years as credited interest accumulates.
Who is MarketTen Bonus best suited for?
MarketTen Bonus is well suited for long-term savers in the pre-retirement and early retirement phase — typically ages 50–72 — who have a genuine 10-year time horizon for the allocated funds, want the principal protection that removes direct market loss risk from that portion of their savings, and value the premium bonus enhancement to accumulation without needing to prioritize current income from the contract. It is a strong fit for people repositioning assets from underperforming CDs, bond funds, or legacy fixed annuity products that have matured; for those making a deliberate allocation to a protected accumulation vehicle as part of a broader retirement income strategy; and for individuals who want the operational simplicity of a rules-based indexed structure rather than a daily-managed investment portfolio. It is not the right fit for clients who need significant near-term liquidity, who want full market participation without crediting limits, or who prioritize immediate income over long-term accumulation.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years 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, Group Health, Travel Medical and Evacuation Insurance, 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, as well as his agency's featured coverage in Kiplinger— 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. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
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