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Product Details
MarketEdge Bonus Index
Company social profile:
Product Name
MarketEdge Bonus Index
Annuity Type
FIA
Issuing Insurance Company and Ratings
EquiTrust Life Insurance Company
Ratings
Product Information
The MarketEdge Bonus Index® is a Modified Single Premium Deferred Annuity Contract with a 10-Year Surrender Charge Period and a Market Value Adjustment Provision. The MarketEdge Bonus Index also includes a First Year Premium Bonus of 11% and an Accumulation Bonus of @accumulationBonus@ paid on the Accumulated Vales for @accumulationBonusYears@ years.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 10,000
Maximum Premium: 2,000,000
Free Look Period: 15 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, SEP IRA, IRA-Roth, IRA-Simple, IRA Transfer, IRA Rollover, Inherited IRA
Rates
Effective Date: 10/03/2026
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 2,000,000
Current
0 Year Guarantee Period Annual Yield:
2%
Interest rate start of year 1 through end of year 0:
2%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Above $2M: requires Home Office approval.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Owner: 80, Annuitant: 80
Premium Limits: Above $2M: requires Home Office approval.
State Restrictions: Not available in GU NY PR VI
