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This is your source for product, pending business, licensing and appointment information regarding the expanding line of EquiTrust Life annuities.
BIG Changes to the EquiTrust Index-Annuity Portfolio! Four Redesigned Products Featuring the Former Portfolio’s Most Popular Attributes! Competitive Income Riders … Unique to Each Product!
Product & Marketing News Show All
SALES WEEK: Two Webinars! Sales Idea: Client-Use, Preapproved Advertising! (2/18/2020)
MONTHLY OVERVIEW: Updates, Recaps and Department News (1/30/2020)
"EquiTrust Portfolio of Annuity Products" Webex Seminar Replay - Listen Now! (1/23/2020)
SECURE Act Impacts RMD Ages and Inherited IRAs (1/2/2020)
Stabilize (and INCREASE) Your Income, With Trail Commissions! (11/14/2019)
Certainty Select & ChoiceFour Product & Form Changes (11/1/2019)
EquiTrust Recognized Among “Ward’s 50” for Financial Performance – Fourth Consecutive Year! (8/14/2019)
New Business Processing Delays for Agents Without Updated Agent Contracts (6/3/2019)
Effective June 1
Can a Participation Index Strategy Outperform the S&P 500 Index? (5/20/2019)
Income Rider Comparison: MarketValue vs 200% Multiplier (5/17/2019)
Index Strategy Diversification – For More Consistent Overall Performance (5/8/2019)
Strong Renewal Rates on ChoiceFour Annual-Reset Annuity! (4/2/2019)
UPDATE: Faxed Annuity Apps Now Accepted by EquiTrust! Photo ID Required (11/28/2018)
Digital Enhancements to Simplify Your EquiTrust Business (6/11/2018)
EquiTrust Mobile App & E-App
Administrative Updates
Client Access to Online Contract/Policy Information – Available Now (11/14/2019)
Additional Service Forms Now Subject to Secured Access (9/3/2019)

In addition to Withdrawal/Loan/EFT forms already secured, more service-related Life and Annuity forms now require login.  

Confidence Income Annuity Form Revision: Disclosure & Comparison of Products (8/26/2019)
New Service Forms – Available Now; Required 1/1/20 (8/6/2019)

Multi-purpose service forms replaced by specific-need forms.

EquiTrust Agent Appointment Application Form Updated, Effective 8/1 (6/28/2019)
1035 Exchange for Spousal Death Benefits Now Permitted (1/2/2019)
Updated Deferred Annuity Claim Form – ET-2700(12-18)
Login Now Required to Access Forms for Withdrawal/Loan/EFT (12/19/2017)
Outgoing Partial 1035 Exchanges Allowed on NQ Annuities (1/4/2017)
Effective 1/4/2017
Do Not Use White Out on Applications (8/3/2006)
Reminder of EquiTrust Life rule, stated in Business Guidelines 2006
State-Specific Regulations & Admin News
Arkansas Comparison Form Change (12/31/2019)
Comparative Information Form - Arkansas (form ET-RPL-4906AR) is no longer required for annuities, effective 1/1/20. Use the "Disclosure & Comparison of products" forms for respective EquiTrust annuity products.
Revised Financial Needs Analysis Form, Required January 15 (12/18/2019)
Oregon Sales Resume for MarketPower Bonus Index (8/5/2019)
Pennsylvania Agent Training Requirement (8/20/2018)
FL Suitability/Replacement Forms 10-Day Rule Enforced (5/13/2014)
Massachusetts Resident Requirements (7/26/2012)
Massachusetts residents must apply and sign for annuity contracts in the Commonwealth only.
License Requirements Regarding Securities Replacements (7/26/2012)
Applies to Arkansas, Iowa, Tennessee, Utah, & Vermont
Florida Accredited Investor Form Requirement Reminder (6/11/2012)
Three bonus index annuites require form for clients 65 and over. Clients to be contacted by phone to verify accredited certification.
Best Practices/Compliance News
2020 Minimum Guaranteed Contract Value Rates (1/2/2020)
Applies to contracts issued 1/1/20 - 12/31/20; Click Here
"Annuity Suitability" Webex Seminar Replay - Listen Now! (12/11/2019)
Additional Information on Suitability-Confirmation Calls – Client-Use Flyer (12/3/2019)
Money Laundering and Criminal Enforcement (11/6/2019)
Social Engineering, Why You Should Be Aware (11/4/2019)
EquiTrust to Begin Suitability-Verification Calls (10/22/2019)
Policies on Joint Ownership of Fixed Annuities (9/11/2019)
Click here for the 9-2019 version.
Business Guidelines Updated (9/10/2019)
Agents are required to review this document at least annually. 
Click here for the 9-19 version.
Account Takeover Fraud – Protect Your Clients’ Information (8/23/2019)
Click here to learn more.
Annuity Suitability Agent User Guide (7/1/2019)
Click here for the 6-19 version.
Consumer Alerts Issued by Kansas and Nebraska: Unauthorized Annuity Withdrawals (11/9/2017)
Reminder: EquiTrust Does Not Allow Replacement of Annuities Within 3 Years of Issue (11/5/2015)

See EquiTrust Business Guidelines, page 4, for more information.

Advertising Reminder: Submit All Product Advertising for Review (6/6/2014)
Whether or not the EquiTrust product or Company are identified, all product-focused ads must be submitted prior to use.
NAIC Producer Licensing Model Act Override Commissions (4/22/2014)
EquiTrust will pay override commissions to unlicensed individuals and entities under certain circumstances, and according to the Model Act. See State listing here.
Suitability Letters to Clients (7/26/2012)
Sent to annuity applicants per Annuity Transactions Model Regulation
Solicitation of Insurance Prohibited on Military Installations (1/6/2010)

EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice.

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