Growth Potential Without Market Losses

The MarketValue Index Annuity is a fixed indexed annuity that links its performance to several diversified market indices—while guaranteeing your principal is never at risk due to market downturns. It includes crediting strategies based on:

• S&P 500 Index

• S&P 500 Dynamic Intraday TCA Index

• Barclays Focus50 Index

• S&P MARC 5% Excess Return Index

These options let policyholders benefit from strong index performance while maintaining a safety net. Strategies use point-to-point caps, participation rates, and performance triggers to optimize upside growth. Our advisors at Diversified Insurance Brokers help clients compare and choose the allocation strategy that best fits their goals.

Liquidity and Access to Funds

While the MarketValue Index Annuity is designed for long-term growth, it also offers access to funds when you need them. After the first contract year, policyholders can withdraw up to 10% of the contract value annually without penalty.

For those who experience hardship, the annuity includes withdrawal charge waivers for:

• Nursing home confinement

• Terminal illness

This balance of growth and flexibility is ideal for retirees who want control without sacrificing security.

Income Enhancement for Chronic Illness

One of the most notable features of this annuity is the Enhanced Income Withdrawal option. If the policyholder becomes chronically ill, this feature doubles income payments for up to five years, providing much-needed support during a vulnerable time. This benefit adds meaningful value to the annuity for individuals concerned about rising long-term care expenses.

Optional Guaranteed Lifetime Income

The optional Income Benefit Rider transforms the annuity into a guaranteed income stream for life, which is especially important for retirees looking to replace pensions or create their own paychecks. When elected, this rider includes:

• A 10% bonus on the Benefit Base for first-year premium payments

• Lifetime withdrawal percentages based on age

• Enhanced income during qualifying impairments (in conjunction with the Enhanced Income Withdrawal feature)

With this rider, clients can create a customized income plan that adjusts based on their retirement timeline and health status. Our advisors help determine whether the rider is a good fit for each unique situation.

Death Benefit Protection

In addition to income and growth, the MarketValue Index Annuity offers a guaranteed death benefit, ensuring beneficiaries receive the full contract accumulation value. This makes the product a strong estate planning tool, helping families transfer wealth efficiently and securely.

Who Should Consider This Annuity?

The EquiTrust MarketValue Index Annuity is ideal for:

• Pre-retirees and retirees looking to grow their savings safely

• Individuals who want market participation without risking principal

• Those planning for potential long-term care needs or chronic illness

• Anyone needing a customized income strategy with the option to include lifetime guarantees

Why Work With Diversified Insurance Brokers?

As an independent firm representing over 75 top-rated insurance carriers, Diversified Insurance Brokers helps you compare and choose the right annuity based on your needs. We take the time to explain how each crediting strategy, rider, and benefit works—so you can make confident decisions for your financial future.

Our expertise ensures you get the right annuity, structured the right way, with a plan that matches your goals, income needs, and risk tolerance.

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