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Approved in CT: ChoiceFour Annuity and DynaMARC IBR Terminal-Illness Doubler

Now Approved in Connecticut, Effective 8/1/17
• ChoiceFour Annuity
• Enhanced Income Withdrawals on DynaMARC

ChoiceFour Annuity

Traditional Single-Premium Deferred Fixed Annuity

Up to 2.60% First-Year Rate – Annual Reset
2.00% Minimum Guaranteed Interest Rate
1.50% Premium Bonus with Market Value Adjustment (MVA) Option
5.5% MGA Commission*

Four Options

1st Year Rate

Premium Bonus

Free Withdrawals

Base Contract (9 year surrender)


Interest Only

Base + MVA Option



Interest Only

Liquidity Option (6 year surrender)


10% after year 1

Liquidity + MVA Option



10% after year 1

All Options Feature
• One-Year Renewable Interest Rates
• 0-85 Issue Ages
• $10,000 minimum premium; additional premium in first year
• Nursing Home Waiver
• Terminal Illness Rider
• Full Accumulation Value at Death

ChoiceFour Sales Resources

Agent Guide
Client Brochure
Print Ad

Enhanced Income Withdrawals on DynaMARC
Index Annuity

The cost of nursing care later in life can have a severe impact on retirement resources. To help your clients plan for this financial unknown, the Strategic Income Rider now features Enhanced Income Withdrawals – added at no additional cost.

If the annuity owner becomes chronically ill, the income withdrawal amounts may be doubled for up to five years; for joint owners the withdrawal amounts increase by 50%.

Additional Information
• A chronic illness is defined as the permanent inability to perform at least two of six activities of daily living, orpermanent severe cognitive impairment. 
• If utilized, the additional payments do not impact the lifetime income payments at the end of the enhanced-benefits period.
• During the Enhanced Income Withdrawals period, the chronic illness must be
  physician-certified annually.
• Enhanced Income withdrawals may be utilized
• after the annuity contract and Strategic Income Option have been in effect for 3 years,
     • if the contract has an Accumulation Value greater than zero
     • no additional premiums have been added in the last two years, and
     • the owner is a U.S. resident between the ages of 60 and 90.

Transition Rules
Enhanced Income Withdrawals will be included with all DynaMARC contracts issued with the Strategic Income Option for Connecticut clients beginning 8/1/17. A revised Disclosure Statement ET-DYN-1101CT (08-17) is available now on AppBuilder, which will be required for all Connecticut/DynaMARC sales on 9/1/17.

Sales Resources
Strategic Income Option Client Brochure
Strategic Income Option Agent Guide
DynaMARC Index Annuity Client Brochure
Goldman Sachs Dynamo Strategy Index Client Brochure
Goldman Sachs Dynamo Strategy Index Fact Sheet
DynaMARC Index Annuity Agent Guide

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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