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Fixed Indexed Annuity

MarketEarly Income Index

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: July 15, 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. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$222,695
Est. value at age 80 (MarketEarly Income Index)
5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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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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Live rate data

Run live numbers for MarketEarly Income Index

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

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

5% cap on S&P 500

An accumulation FIA marketed under an 'Income' badge but, on the live feed, configured as a pure accumulation contract with no income rider.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

An accumulator who wants principal protection across a broad filing footprint outside New York and a choice between a familiar S&P 500 cap and smoother volatility-controlled strategies.

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

Annual cap

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

S&P 500

S&P 500 Index

4% trigger rate

Performance trigger

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

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

Lifetime payout rate5.1% lifetime payout
Annual rider fee1.25% annual rider fee
Guaranteed roll-up7%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Broad filing footprint across 49 states plus DC — one of the wider-distributed EquiTrust FIAs. New York is not in the contract.
  • Ten-year accumulation chassis pairs the recognizable S&P 500 with volatility-controlled alternatives in a single contract.
  • No premium bonus to recapture and no optional rider fee — the contract's mechanics are limited to the index strategies themselves.

What to confirm

  • Marketing name reads as an income product, but the CANNEX feed exposes no optional GLWB rider and no Protected Income Value — this is an accumulation FIA; do not pitch it as a lifetime-income solution.
  • Volatility-controlled indexes (Focus50, MARC 5%, Dynamic Intraday TCA) advertise high participation rates that are not directly comparable to S&P 500 cap rates — the engineering reduces both upside and downside, not just risk.
  • Ten-year surrender ladder; verify the free-withdrawal terms before committing illiquid capital.

Not ideal for

A buyer expecting an actual lifetime-income guarantee — there is no optional rider on this contract; choose a true income-rider FIA instead.

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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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All crediting strategies

View rate listings (6 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 130% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

Barclays Focus50 Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 4% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Income Benefit Rider

Lifetime withdrawal rate5.1%
Annual rider fee1.25%
Guaranteed roll-up7%/yr
Deferral assumed10 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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 7% roll-up and 5.1% 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 current 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

Single and joint

Contract conversion options should be confirmed before purchase.

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, Surrender waivers

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++
S&PA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MarketEarly Income Index currently shows 6 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 3 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 3% fixed account rate

Income rider language

What to look for before treating the rider as income

Income Benefit Rider is the main income-rider entry returned 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.

  • 5.1% withdrawal rate
  • 1.25% rider fee
  • 10 deferral years

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

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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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