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S&P 50012/13/20182650.54-0.53
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This is your source for product, pending business, licensing and appointment information regarding the expanding line of EquiTrust Life annuities.
12% Premium Bonus Special on MarketPower Bonus Index! Applies to all first-year premium for contracts with effective dates of 9/17 or later. Available for a limited time!
Product & Marketing News
Annuity Commission Increases Ending December 31st (12/3/2018)
UPDATE: Faxed Annuity Apps Now Accepted by EquiTrust! Photo ID Required (11/28/2018)
"EquiTrust Competitive Advantages" Webex Seminar Replay - Listen Now! (11/20/2018)
What is the Key to Success with Index Annuities? (11/8/2018)
Competitive Index Annuities with Strong Rates and ROP Rider! (10/31/2018)
SPIA Rates Among the Industry’s Highest! Confidence Income Annuity (10/23/2018)
Rate Increase! ChoiceFour Traditional Annuity…Up to 3.25% First Year (10/17/2018)
Premium Bonus Increase! 12% Bonus on MarketPower Bonus Index! (9/28/2018)
Premium-Bonus Special!...Commission Special!...Rate Increase! (9/17/2018)
Strong Performance by DynaMARC Index Annuity’s Multi-Asset Risk-Controlled Index! (9/14/2018)
Exciting Agent-Travel Incentive Announced by EquiTrust! – All EquiTrust Products Qualify! (9/4/2018)
55% Pt-to-Pt Participation! Highly Competitive, 10-Year, MarketValue Index Annuity! (8/27/2018)
3rd Year! EquiTrust Receives “Ward’s 50” Recognition Among Top Life and Health Companies! (8/10/2018)
Index Annuities Designed for GROWTH WebEx Seminar Replay - Listen Now! (8/2/2018)
Commission Special! Income-Focused 7-Yr Index Annuity - Income MarcSeven (7/2/2018)
Digital Enhancements to Simplify Your EquiTrust Business (6/11/2018)
EquiTrust Mobile App & E-App
Can an Index Strategy OUTPERFORM the S&P500? (5/9/2018)
Renewal Rates A Key Factor to Index Annuity Performance (12/13/2017)
Learn more about what the difference a successful history of renewal rates can make! Click Here.
Index Annuity with 100% Participation! Watch 4-Minute Video (3/27/2017)
Administrative Updates
Policy Administration Form Changes – Required July 1, 2018 (5/9/2018)
Agent-Contracting Procedures Revised (2/13/2018)
Connecticut Annuity Owners Subject to State-Income-Tax Withholding on 2018 Distributions (12/20/2017)
Login Now Required to Access Forms for Withdrawal/Loan/EFT (12/19/2017)
Nursing Home Waiver Election Form (11/30/2017)
Annuity owners electing the Nursing Home Waiver of surrender charges in the event of an eligible nursing-care confinement must submit this form: ET-NHWELECTION. Required beginning 1/1/18
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
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
DOL Fiduciary Rule Vacated; EquiTrust Requirements for Fiduciary-Rule Compliance No Longer in Effect (6/28/2018)
Business Guidelines Updated For DOL Fiduciary and Conflicts of Interest Rule (6/27/2018)
Agents are required to review this document at least annually.
Click here for the 6-18 version.
Consumer Alerts Issued by Kansas and Nebraska: Unauthorized Annuity Withdrawals (11/9/2017)
Policies on Joint Ownership of Fixed Annuities (6/13/2017)
Click here for the 6-2017 version.
Louisiana Notice Regarding Producer Agencies (8/24/2016)
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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