EquiTrust | Offer potential tax advantages

USE A ROTH IRA CONVERSION TO HELP CLIENTS SAVE IN RETIREMENT

Available on all inforce EquiTrust deferred annuity contracts

Have you had conversations with clients about Roth IRAs and converting money over from a traditional vehicle?

Good news — we make it easy. Partial Tax Conversion (PTC) is available on any Qualified, inforce EquiTrust deferred annuity. With PTC, your clients with an EquiTrust Traditional, SEP or SIMPLE IRA can transfer money over time into a Roth IRA contract.

Why should your client transfer money to a Roth IRA?

Ability to spread taxes out over a period of time rather than having to pay them all at once
Flexibility to choose when and how much to convert (one PTC allowed per contract year)
Paying taxes now on partial conversion amounts may offer tax advantages

Potential for tax-free growth
Tax-free distributions after age 59½¹
No Required Minimum Distributions (RMDs)
Nontaxable income for beneficiaries²

Our mirrored contract process makes it easy

Our systematic process generates a new contract that mirrors the original contract, except for the tax qualification, with the same:

Effective date
Client roles
Agent
Account allocations
Credited rates
Riders

Learn the process

Providing the 1099R

We’ll do tax withholding at the time of conversion, generating the 1099R for your client.

Premium bonus boost

We've increased premium bonuses by 2%³ on select FIAs through June 28, 2024. Help clients jumpstart their retirement income strategy with a bigger bonus!

Get the details

Paradise awaits

The qualification period has begun — we're inviting our top 40 producers to join us in magnificent Turks & Caicos for our 2025 EquiTrust Producer Incentive Trip.

Learn more

Want to talk about how a PTC can help your clients looking to convert to Roth? Call 866-598-3694.

866-598-3694 • Sales.Support@EquiTrust.com • Agents.EquiTrust.com

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¹ The Owner is required to wait five years and until age 59½ before distributions are tax-free. Distributions are reportable, but not taxable, assuming all IRS rules have been met.

² Withdrawals of earnings may be subject to income tax if the Roth account is fewer than five years old at the time of the withdrawal.

³ Premium bonus on MarketForce Bonus Index^TM increased by 3% in CA.

EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

1380-GEN-EM-SW (05-24)

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EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

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