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ChoiceFour


Product Detail

  • Applicant Ages: 0-85
  • Premium Minimum: $10,000 NQ/Q,  Max: $1 million
  • Premiums; 1st year only
  • Guaranteed Minimum Rate: 1%
  • Death Benefit: Full Accumulation Value
  • Nursing Home Waiver
  • Terminal Illness Rider

Product Versions

  • Base Contract:
    • Surrender Charge: 9 years
      • 12, 11, 10, 9, 8, 7, 6, 4, 2%
    • Premium Bonus: None
    • Penalty-Free Withdrawals: Prior 12 months interest
    • MVA: None
  • MVA Option:
    • Surrender Charge: 9 years
      • 12, 11, 10, 9, 8, 7, 6, 4, 2%
    • Premium Bonus: 1.50%
    • Penalty-Free Withdrawals: Prior 12 months interest
    • MVA: Yes
  • Liquidity Option:
    • Surrender Charge: 6 Years
      • 12, 11, 10, 9, 8, 7%
    • Premium Bonus: None
    • Penalty-Free Withdrawals: interest only year 1, 10% of AV years 2+
    • MVA: None
  • Liquidity & MVA Option
    • Surrender Charge: 6 Years
      • 12, 11, 10, 9, 8, 7%
    • Premium Bonus: 1.50%
    • Penalty-Free Withdrawals: Interest only year 1, 10% of AV years 2+
    • MVA: Yes

 

For Agent Use Only

Product Features and Rider Availability may vary by state.

 

ChoiceFour

Effective January 27, 2021
(Rates Effective Since Aug, 21 2020)
Feature
Base Contract (9 Years) 2.40%
MVA Option (9 Years/1.5% Premium Bonus) 2.40%
Liquidity Option (6 Years/10% Free Withdrawals) 2.00%
Both Options (6 Years/1.5% Premium Bonus/10% Free Withdrawals) 2.00%



Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.

Product State Approvals


Alabama,
Alaska,
Arizona,
Arkansas,
California,
Colorado,
Connecticut,
Delaware,
District of Columbia,
Florida,
Georgia,
Hawaii,
Idaho,
Illinois,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Maryland,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
Missouri,
Montana,
Nebraska,
Nevada,
New Hampshire,
New Jersey,
New Mexico,
North Carolina,
North Dakota,
Ohio,
Oklahoma,
Oregon,
Pennsylvania,
Rhode Island,
South Carolina,
South Dakota,
Tennessee,
Texas,
Utah,
Vermont,
Virginia,
Washington,
West Virginia,
Wisconsin,
Wyoming,

Product State Variations


Surrender Charge Variation
AK, CA, CT, FL, IN, MA, MD, MN, MT, NJ, NV, OH, OK, OR, PA, TX, UT, VT, WA
Current Form Date Title Number
2020/06/03 Agent Gateway Website ET-GATEWAY
2020/01/16 Annuity New Business Checklist ET-ANN-CKLIST
2020/11/09 Annuity Suitability Agent User Guide ET-3107
2019/11/05 Annuity Training User Guide ET-REGED
2020/06/30 ChoiceFour Agent Guide ET-SPA-1102
2020/06/30 ChoiceFour Client Brochure ET-SPA-1100
2020/12/20 ChoiceFour Renewal Rate Stats Flyer ET-CH4RNEWL
2018/06/06 E-Applications Flyer ET-EAPP
2019/09/18 EquiTrust Client Portal Flyer ET-MYEQUITRUST
2019/02/28 EquiTrust Contact Information ET-5000
2020/03/24 EquiTrust Corporate Brochure ET-BRO-1000
2020/03/24 EquiTrust Letter of Financial Condition - Producer Use Only ET-LFC
2009/11/01 EquiTrust Pocket Folder ET-FDR-1001A
2021/01/27 EquiTrust Wire-Transfer Instructions ET-WIRETRANSFER
2020/10/09 EquiTrust's Competitive Advantages ET-ADVANTAGES
2017/04/06 Fixed Annuity Sales Presentation ET-BRO-1001
2017/04/06 Fixed Annuity Sales Presentation - PowerPoint ET-BRO-1001PP
2020/06/29 Guidelines for IRA Beneficiaries Under the SECURE Act ET-IRABENEGUIDELINE
2020/03/02 Online Marketing Resources ET-5002
2020/07/09 Ward's 50 ET-WARDS50