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Fixed Indexed Annuity

MarketFive Index

Farmers Life Insurance Company

8.5%

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

8.5% 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 termAdvisorWorld + 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

S&P 500

S&P 500 Index

2.5% cap rate

S&P 500

S&P 500 Index

10.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 6.5% declared rate

S&P 500

S&P 500 Index

85% participation rate

S&P 500

S&P 500 Index

60% participation rate

Fixed Account

Fixed Account

4.5% declared rate

+ 4 volatility-controlled index 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 filing.
  • 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.

All crediting strategies

View rate listings (22 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: 190% · 1-yr

S&P MARC 5% Excess Return

participation

5-yr surrender

Par: 170% · 1-yr

Barclays Focus50 Index

participation

5-yr surrender

Par: 100% + Fixed: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender

Par: 85% · 1-yr

S&P 500 Index

monthly_avg_participation

5-yr surrender

Par: 75% · 1-yr

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

participation

5-yr surrender

Par: 60% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · participation

5-yr surrender

Cap: 10.5% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee · cap

5-yr surrender

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrender

Par: 100% · 2-yr

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

participation

5-yr surrender

Par: 190% · 1-yr

S&P MARC 5% Excess Return

Par: 170% · 1-yr

Barclays Focus50 Index

Par: 100% + Fixed: 6.5% · 1-yr

S&P 500 Index

Par: 85% · 1-yr

S&P 500 Index

Par: 75% · 1-yr

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

Par: 60% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

Cap: 10.5% · 1-yr

S&P 500 Index

Rate Buy-Up Index Account with Annual Fee

Cap: 8.5% · 1-yr

S&P 500 Index

Fixed: 4.5% · 1-yr

Fixed Account

Cap: 2.5% · 1-yr

S&P 500 Index

Par: 100% · 2-yr

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

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

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

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: 0.50%

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

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++
S&PA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MarketFive Index currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index, 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: 8.5% cap
  • S&P 500 Index: 2.5% cap
  • S&P 500 Index: 10.5% 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

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