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Fixed Indexed Annuity

MarketEarly Income Index

Farmers Life Insurance Company

5%

Best Cap

10%

Free W/D

50

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 29, 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 termAdvisorWorld + 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4% declared rate

Fixed Account

Fixed Account

3% declared rate

+ 3 volatility-controlled index options (S&P MARC, S&P 500, Barclays Focus50)

Lifetime Income Riders

Income rider

Income Benefit Rider

RMD friendly
Lifetime payout rate6.1% lifetime payout
Annual rider fee1.25% annual rider fee

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 filing.
  • 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 filing; choose a true income-rider FIA instead.

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: 130% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 120% · 1-yr

Barclays Focus50 Index

participation

10-yr surrender

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 50% · 1-yr

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

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 130% · 1-yr

S&P MARC 5% Excess Return

Par: 120% · 1-yr

Barclays Focus50 Index

Par: 100% + Fixed: 4% · 1-yr

S&P 500 Index

Par: 50% · 1-yr

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

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 3% · 1-yr

Fixed Account

Income riders

Income rider

Income Benefit Rider

RMD friendly
Lifetime withdrawal rate6.1%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index, S&P 500 Dynamic Intraday TCA Index (USD) ER, 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: 5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 50% participation

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.

  • 6.1% withdrawal rate
  • 1.25% rider fee
  • RMD friendly

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

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