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Fixed Indexed Annuity

MarketEarly Income Index — Equitrust Life Insurance Company

Equitrust Life Insurance Company

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5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what MarketEarly Income Index would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$222,695
Gross crediting illustration at age 80 (MarketEarly Income Index)
Excludes the 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms). This is not a net contract value.
5%
Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms).

S&P 500 Index — 5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies MarketEarly Income Index's published cap rate (5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Income Benefit Rider charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

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See how MarketEarly Income Index compares for your age, state, premium, and income goals alongside other Equitrust Life Insurance Company fixed indexed annuity options.

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rate data

Run numbers for MarketEarly Income Index

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Equitrust Life Insurance Company product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

Lifetime income withdrawal rate

6.1% lifetime payout + 7%/yr · compound · for up to 10 years roll-up

An income-focused fixed indexed annuity with an Income Benefit Rider and index-linked account growth. Evaluate its lifetime withdrawal terms separately from its crediting strategies.

1.25% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers planning to use a lifetime-income rider who can meet its income-start and withdrawal conditions.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$10,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Rate effective Jul 1, 2025

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

4% trigger rate

Rate effective Jul 1, 2025

Performance trigger

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Rate effective Jul 1, 2025

Fixed account

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

+ 3 additional crediting options (S&P MARC, S&P 500, Barclays Focus50)

Lifetime Income Riders

Income rider

Income Benefit Rider

RMD friendly
Lifetime payout rate6.1% lifetime payout
Annual rider fee1.25% annual rider fee
Guaranteed roll-up7%/yr · compound · for up to 10 years

Product analyst notes

How to think about this contract

Why it can stand out

  • The Income Benefit Rider provides lifetime withdrawals under its terms, including after the accumulation value is depleted.
  • Single-life and joint-life elections support different retirement income needs.
  • A qualifying chronic illness can increase income under the rider’s conditions.

What to confirm

  • The rider has an annual charge. Review the current fee and its charge basis before comparing income options.
  • The benefit base used to determine income is separate from the accumulation value available for withdrawals.
  • Income-start requirements, excess withdrawals and state-specific terms can affect benefits; review the applicable contract.

Not ideal for

Buyers needing unrestricted liquidity or a declared rate guaranteed for the entire holding period.

Free Comparison Report

Get a MarketEarly Income Index rate report

See how MarketEarly Income Index compares for your age, state, premium, and income goals alongside other Equitrust Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (12 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 130% · 1-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

Barclays Focus50 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

Barclays Focus50 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX10-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202510-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderDoes not vary by premium

Income riders

Income rider

Income Benefit Rider

RMD friendly
Lifetime withdrawal rate6.1%
Annual rider fee1.25%
Guaranteed roll-up7%/yr · compound · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income Benefit Rider

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee1.25%
Guaranteed roll-up7%/yr · compound · for up to 10 years
Deferral assumed0 years

GLWB

Common questions about MarketEarly Income Index

● Can I lose money in MarketEarly Income Index?

A negative index return by itself does not reduce the contract's account value: MarketEarly Income Index credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Income Benefit Rider income rider worth the 1.25% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the published roll-up (7%/yr · compound · for up to 10 years) and 6.1% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do MarketEarly Income Index's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available MarketEarly Income Index strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

product guide

ET-MEI-BR-1102.PDF

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++
FitchA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MarketEarly Income Index currently shows 12 indexed or fixed crediting options, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 4% annual trigger rate, 0% annual strategy fee
  • S&P 500 Index: 4% annual trigger rate

Income rider language

What to look for before treating the rider as income

Income Benefit Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.1% withdrawal rate
  • 1.25% rider fee
  • RMD friendly

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ET-MEI-BR-1102.PDF help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a MarketEarly Income Index rate report

See how MarketEarly Income Index compares for your age, state, premium, and income goals alongside other Equitrust Life Insurance Company fixed indexed annuity options.

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