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MarketForce Bonus Index


Product Detail

  • Applicant Ages: 0-80
  • Premium Minimum: $10,000 NQ/Q,  Max: $2 million
  • Premiums: 1st year only; $2,000 Additional
  • 8% (LIMITED TIME SPECIAL: 10% through 6/28/2024) Bonus on 1st year premiums
  • Accounts: 1 fixed-rate; 2 Non-Fee Based index-linked: 1 S&P500 and 1 Barclays Focus50; 4 Rate Buy-Up index-linked: 2 S&P500, 1 Barclays Focus50, 1 S&P MARC 5%
  • Fee: 1.50%
  • Surrender Charge: 10 Years
  • Penalty-Free Withdrawals: 10% beginning year 2
  • Death Benefit: Full Accumulation Value
  • Nursing Home Waiver
  • Terminal Illness Rider

For Agent Use Only

Product Features and Rider Availability may vary by state.

MarketForce Bonus Index

Effective April 19, 2024
(Rates Effective Since Jan 24, 2024)
Account Options Current Rate
1-Year Interest 3.75%
S&P 500 1-Year Point-to-Point Cap 6.50%
MARC 5% 1-Year Point-to-Point Participation 160.00%
S&P 500 1-Year Point-to-Point Cap with Fee 10.00%
S&P 500 1-Year Point-to-Point Participation with Fee 60.00%
Focus50 1-Year Point-to-Point Participation with Fee 200.00%
MARC 5% 1-Year Point-to-Point Participation with Fee 225.00%


1-Year Interest 
The fixed rate is guaranteed for one contract year. On contract anniversaries the rate may change subject to the contractual Minimum Guaranteed Interest Rate. All subsequent premiums received are applied to this account until the contract anniversary, then allocated per your instructions. The Minimum Guaranteed Interest Rate is 1.0%.

S&P 500 1-Year Point-to-Point Cap 
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%.

MARC 5% 1-Year Point-to-Point Participation 
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%.

S&P 500 1-Year Point-to-Point Cap with Fee 
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, up to a specified cap. The minimum cap is 1.0%. This account will have a higher cap rate than the PTP Cap Account, due to the 1.50% fee charged to the Account Value in this Account.

S&P 500 1-Year Point-to-Point Participation with Fee 
Index credits are based on the percentage change in the S&P 500® Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.50% fee will be charged to the Account Value in this Account.

Focus50 1-Year Point-to-Point Participation with Fee 
Index credits are based on the percentage change in the Barclays Focus50 Index™ from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. A 1.50% fee will be charged to the Account Value in this Account.

MARC 5% 1-Year Point-to-Point Participation with Fee 
Index credits are based on the percentage change in the S&P MARC 5% Excess Return Index from the previous contract anniversary, multiplied by the participation rate. The minimum participation rate is 10.0%. This account will have a higher participation rate than the MARC5 PTP Part Account, due to the 1.50% fee charged to the Account Value in this Account.

Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.

Product State Approvals


Alabama,
Alaska,
Arizona,
Arkansas,
California,
Colorado,
Connecticut,
Delaware,
District of Columbia,
Georgia,
Hawaii,
Idaho,
Illinois,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Maryland,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
Missouri,
Montana,
Nebraska,
Nevada,
New Hampshire,
New Jersey,
New Mexico,
North Carolina,
North Dakota,
Ohio,
Oklahoma,
Oregon,
Pennsylvania,
Rhode Island,
South Carolina,
South Dakota,
Tennessee,
Texas,
Utah,
Vermont,
Virginia,
Washington,
West Virginia,
Wisconsin,
Wyoming,

Product State Variations


Premium Bonus Variation
CA

Surrender Charge Variation
CA

No MVA
CA
Current Form Date Title Number
2024/01/29 Advantages of Index Annuity Downside Protection ET-PTPPHISTEX
2021/09/29 Agent Gateway Website ET-GATEWAY
2024/02/02 Annuity New Business Checklist ET-ANN-CKLIST
2023/11/01 Annuity Suitability Agent User Guide ET-3107
2022/08/24 Barclays Focus50 Index Client Brochure ET-BARCFOC50-1100
2024/01/24 Commission Options ET-MV-FLR-TRLCOMP
2021/04/15 Delegate Account User Guide ET-DELEGATEACCT
2023/01/25 E-Applications Flyer ET-EAPP
2022/03/23 E-Delivery Agent User Guide ET-EDELAGENT
2021/12/13 E-Delivery Client User Guide ET-EDELCLIENT
2022/03/23 E-Delivery FAQs ET-EDELFAQ
2023/02/15 EquiTrust Advertising Requirements ET-ADREQ
2019/01/18 EquiTrust Agent App Overview ET-MOBILEAPPOVERVIEW
2021/09/29 EquiTrust Agent App Quick Start Guide ET-MOBILEAPPQUICKSTARTGUIDE
2019/09/18 EquiTrust Client Portal Flyer ET-MYEQUITRUST
2023/06/28 EquiTrust Contact Information ET-5000
2024/04/12 EquiTrust Corporate Brochure ET-GEN-BR-1000
2024/04/12 EquiTrust Letter of Financial Condition - Producer Use Only ET-GEN-FLR-LFC.PDF
2023/09/05 EquiTrust Pocket Folder ET-FDR-1001A
2023/10/30 EquiTrust Wire-Transfer Instructions ET-WIRETRANSFER
2023/10/27 EquiTrust's Competitive Advantages ET-GEN-FLR-CADV
2022/11/29 Guidelines for IRA Beneficiaries Under the SECURE Act ET-IRABENEGUIDELINE
2022/12/30 Income, Assets, and Expenses Inventory ET-RINCOME
2022/08/31 Index Annuities Eliminate the Stress of Market Losses ET-LOSSRECOVERY
2022/11/29 Inherited/Stretch IRA Client Brochure ET-INHERSTRCHIRA
2023/01/31 Inherited/Stretch IRA Rules ET-INHRSTRCHRULES
2024/02/06 Internal Transfer Program Flyer ET-GEN-FLR-ITP
2023/12/31 MarketForce Bonus Agent Guide ET-MFRC-BR-1102
2024/01/23 MarketForce Bonus Competitive Advantages Flyer ET-MFRC-FLR-CADV
2023/12/31 MarketForce Bonus Index Client Brochure ET-MFRC-BR-1100
2023/04/17 MarketForce Bonus Index Client Brochure - CA ET-MFRC-1100-CA
2024/01/29 MarketForce Premium Bonus Special Client Flyer ET-MFRC-FLR-PBSPL
2023/04/06 MVA Impact on Fixed Index Annuities ET-GEN-FLR-MVA
2021/09/29 Online Marketing Resources ET-5002
2022/09/27 Partial Tax Conversion ET-PTAX
2024/02/29 Premium Bonus Special - First year return flyer ET-MULTI-FLR-PB
2024/03/25 Premium Bonus Special Flyer ET-MULTI-FLR-PBSPL
2023/10/01 Raw vs. Credited Returns Flyer ET-RAWVSCREDITED
2022/09/07 S&P MARC 5% Excess Return Client Brochure SPMARC5BROCHURE
2024/04/01 S&P500 Historical Analysis ET-SP500-HISTORICAL
2021/07/01 Upload a Doc User Guide ET-UPLOADADOC.PDF
2023/07/31 Ward's 50 ET-WARDS50
2024/01/24 When Does a Premium Bonus Make Sense? ET-GEN-FLR-BNS
2024/01/04 Wizard User Guide ET-GEN-BR-WUG

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