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Fixed Indexed Annuity

MarketFive Index — Equitrust Life Insurance Company

Equitrust Life Insurance Company

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9%

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 MarketFive Index would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. 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
$314,889
Est. value at age 80 (MarketFive Index)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 11% Cap (Rate Buy-Up Index Account with Annual Fee · 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 MarketFive Index's published cap rate (11% 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 October 2, 2026.

Free Comparison Report

Get a MarketFive Index rate report

See how MarketFive 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 MarketFive 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.

S&P 500 annual point-to-point cap

9% cap on S&P 500

A short-surrender accumulation FIA on a five-year ladder with a recognizable S&P 500 cap and a broad filing footprint outside New York.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

An accumulator who values liquidity sooner than a standard ten-year FIA allows and who is comfortable trading some upside for that shorter commitment.

AM Best

B++ Good

Surrender period

5 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

9% cap rate

Rate effective Jun 11, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

2.5% cap rate

Rate effective Jun 11, 2026

Monthly sum

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

11% cap rate

Rate effective Jun 11, 2026

Annual point-to-point

Strategy fee: 1%/yr

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

11% cap rate

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Rate effective Jun 11, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg participation

85% participation rate

Rate effective Jun 11, 2026

Participation

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

60% participation rate

Rate effective Jun 11, 2026

Annual point-to-point

Strategy fee: 1%/yr

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

60% participation rate

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.75% declared rate

Rate effective Jun 11, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

+ 4 additional crediting options (Barclays Focus50, S&P MARC, S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender ladder is materially shorter than most FIAs on the market — the contract reaches its free-of-charge phase in half the time of a typical ten-year design.
  • Broad distribution across 49 states plus DC; New York is not in the contract.
  • Pairs the recognizable S&P 500 with volatility-controlled alternatives in a single accumulation contract; no premium bonus, no optional rider, no rider fee.

What to confirm

  • Shorter surrender periods typically come with lower headline caps and participation rates than a ten-year filing — verify the trade-off against your time horizon before optimizing for surrender length alone.
  • Volatility-controlled indexes advertise high participation rates that are not directly comparable to S&P 500 cap rates — the engineering reduces both upside and downside.
  • Accumulation chassis only — no optional income rider; not a fit if lifetime-income guarantees are the goal.

Not ideal for

A buyer chasing the highest caps (which generally come on longer surrender ladders), or who needs lifetime-income guarantees from a rider.

Free Comparison Report

Get a MarketFive Index rate report

See how MarketFive 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 (22 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: 190% · 1-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

Barclays Focus50 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

Barclays Focus50 Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

S&P 500 Index

monthly_avg_participation · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

S&P 500 Index

monthly_avg_participation

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

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

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Cap: 11% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Cap: 11% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrenderDoes not vary by premium

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

Monthly sum

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 100% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 11, 20265-yr surrenderDoes not vary by premium

Par: 100% · 2-yr

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

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Other contract riders and charges

Guaranteed Accumulation Value Benefit

Published rider charge: Not shown. This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

MarketFive Index review notes

Explore the EquiTrust MarketFive Fixed Indexed Annuity offers downside protection with multiple indexing strategies for retirement income stability.

5/5Read review
Nikhil Bhauwala

Common questions about MarketFive Index

● Can I lose money in MarketFive Index?

A negative index return by itself does not reduce the contract's account value: MarketFive Index credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, 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.

● 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 5 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 MarketFive Index's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available MarketFive 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

0.50%

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%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

ET-MK5-BR-1100.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

MarketFive Index currently shows 22 indexed or fixed crediting options, including S&P 500 Index, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9% annual cap, 0% annual strategy fee
  • S&P 500 Index: 2.5% monthly cap, 0% annual strategy fee
  • S&P 500 Index: 11% annual cap, 1% annual strategy fee
  • S&P 500 Index: 9% annual cap

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
  • 5 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-MK5-BR-1100.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 MarketFive Index rate report

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

Get my rate report

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