Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Bridge

Farmers Life Insurance Company

9%

Best Cap

10%

Free W/D

48

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

S&P 500

S&P 500 Index

50% participation rate

S&P 500

S&P 500 Index

95% participation rate

Fixed Account

Fixed Account

5% declared rate

+ 2 volatility-controlled index 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.

All crediting strategies

View rate listings (12 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: 200% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 180% · 1-yr

Barclays Focus50 Index

participation

10-yr surrender

Par: 95% · 1-yr

S&P 500 Index

monthly_avg_participation

10-yr surrender

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 200% · 1-yr

S&P MARC 5% Excess Return

Par: 180% · 1-yr

Barclays Focus50 Index

Par: 95% · 1-yr

S&P 500 Index

Par: 50% · 1-yr

S&P 500 Index

Cap: 9% · 1-yr

S&P 500 Index

Fixed: 5% · 1-yr

Fixed Account

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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 distinct indexed or fixed crediting choices across 12 current rate listings, 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, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9% cap
  • S&P 500 Index: 50% participation
  • S&P 500 Index: 95% participation

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

Free Comparison Report

Get a personalized Bridge illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources