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Fixed Indexed Annuity

Bridge

EquiTrust Life Insurance Company

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9%

Best S&P 500 Annual Cap

10%

Free W/D

48

Available jurisdictions

Product data status: July 16, 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 Bridge 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 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (Bridge)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% 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 Bridge's published cap rate (9% 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 16, 2026.

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See how Bridge 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 Bridge

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 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

9% cap on S&P 500

An accumulation-focused fixed indexed annuity with a recognizable S&P 500 cap alongside two volatility-controlled alternative indexes.

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

Best fit

An accumulator who wants principal protection and wants to compare a plain S&P 500 cap against a smoother volatility-controlled alternative under one contract.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

48 jurisdictions (excl. California, Indiana, New York)

Minimum premium

$50,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

Annual cap

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

S&P 500

S&P 500 Index

50% participation rate

Participation

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

S&P 500

S&P 500 Index

monthly avg participation

95% participation rate

Participation

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

Fixed Account

Fixed Account

5% declared rate

Fixed account

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

+ 2 additional crediting options (Barclays Focus50, S&P MARC)

Product analyst notes

How to think about this contract

Why it can stand out

  • Pairs the recognizable S&P 500 with two volatility-controlled alternatives (Barclays Focus50 and S&P MARC 5%) so a buyer can split between a familiar index and a smoother participation strategy.
  • Surrender schedule and free-withdrawal access are spelled out for the full ten-year term — no hidden bonus-recapture wrinkle since this contract carries no premium bonus.
  • Built as a straight accumulation FIA — no optional income rider, no rider fee, no withdrawal-base mechanics to track.

What to confirm

  • Volatility-controlled indexes (Focus50, MARC 5%) advertise high participation rates that are not directly comparable to S&P 500 cap rates — the underlying index is engineered to be less volatile, which means smaller upside swings, not just smaller drawdowns.
  • Not available in every state — confirm Bridge is filed in your jurisdiction before quoting.
  • Marketed as a bridge product but still carries a ten-year surrender ladder; the name describes the index menu, not the time horizon.

Not ideal for

A buyer who wants lifetime-income guarantees from a rider, or who needs the simplicity of one index and one strategy.

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See how Bridge 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 strategies)

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

Par: 200% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

Barclays Focus50 Index

participation

10-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

S&P 500 Index

monthly_avg_participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current 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

Bridge review notes

The EquiTrust Bridge Fixed Indexed Annuity offers tax-deferred growth, downside protection, and long-term care benefits with index-linked returns.

3/5Read review
Nikhil Bhauwala

Common questions about Bridge

● Can I lose money in Bridge?

A negative index return by itself does not reduce the contract's account value: Bridge 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 Bridge's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Bridge 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.

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 life

Contract conversion options should be confirmed before purchase.

Fund types

Non-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

brochure

ET-BRG-1100A.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

Bridge currently shows 6 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 2 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: 9% annual cap
  • S&P 500 Index: 50% annual participation rate
  • S&P 500 Index: 95% monthly participation rate
  • Fixed Account: 5% fixed account 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-BRG-1100A.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

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