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Fixed Indexed Annuity

MarketTen Bonus Index

EquiTrust Life Insurance Company

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5.75%

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 MarketTen Bonus 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
$270,960
Est. value at age 80 (MarketTen Bonus Index)
11%
Premium bonus offered
S&P 500 Index — 8% Cap (Rate Buy-Up Index Account with Annual Fee · Annual · 1% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies MarketTen Bonus Index's published cap rate (8% 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. Net growth deducts the 1% annual strategy fee returned for this strategy. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $11,000 premium bonus (11%) = $111,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how MarketTen Bonus 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 MarketTen Bonus 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

5.75% cap on S&P 500

A premium-bonus accumulation FIA on a ten-year ladder with a broad filing footprint (49 states plus DC, excludes New York) and an S&P 500 cap.

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

Best fit

An accumulator comfortable with a ten-year surrender commitment in exchange for an upfront bonus credit.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$5,000 qualified / $10,000 non-qualified

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

2% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

8% cap rate

Annual cap

Strategy fee: 1%/yr

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

S&P 500

S&P 500 Index

5% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

monthly avg participation

65% participation rate

Participation

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

S&P 500

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

50% participation rate

Participation

Strategy fee: 1%/yr

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

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

1-year term · 10-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

  • Carries an upfront premium bonus credited at issue, lifting the starting account value before the first crediting period.
  • Broad distribution across 49 states plus DC; 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.

What to confirm

  • The premium bonus is paid for over time through caps, participation rates, and the ten-year surrender schedule — read the bonus-vesting terms before comparing the headline to a no-bonus competitor.
  • Bonus annuities concentrate value at issue — early exits forfeit a meaningful share of that bonus through surrender charges.
  • 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.

Not ideal for

A buyer who wants the headline rate without bonus-related concessions, who needs liquidity sooner, or who wants lifetime-income guarantees from a rider.

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See how MarketTen Bonus 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 (11 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: 150% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

Barclays Focus50 Index

participation

10-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

S&P 500 Index

monthly_avg_participation

10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · participation

10-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · cap

10-yr surrenderDoes not vary by premium

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 5% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 2% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 75% · 2-yr

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

participation

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing 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

MarketTen Bonus Index review notes

Explore the EquiTrust MarketTen Bonus Fixed Indexed Annuity Review, with tax-deferred growth, income growth, and lifetime income benefits.

4/5Read review
Nikhil Bhauwala

Common questions about MarketTen Bonus Index

● Can I lose money in MarketTen Bonus Index?

A negative index return by itself does not reduce the contract's account value: MarketTen Bonus 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.

● 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 MarketTen Bonus Index's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current MarketTen Bonus 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

Premium bonus

11%

Bonus terms can vary by state, premium band, and rider election.

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

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

10%

Yr 2

10%

Yr 3

10%

Yr 4

10%

Yr 5

8.5%

Yr 6

7%

Yr 7

5.5%

Yr 8

4%

Yr 9

3%

Yr 10

1.5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

ET-MTB-1100-2.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

MarketTen Bonus Index currently shows 11 indexed or fixed crediting options, including S&P 500 Index, with 4 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: 5.75% annual cap
  • S&P 500 Index: 2% monthly cap
  • S&P 500 Index: 8% annual cap, 1% annual strategy fee
  • S&P 500 Index: 100% annual participation rate

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-MTB-1100-2.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 MarketTen Bonus Index compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company fixed indexed annuity options.

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