ChoiceFour
Product Detail
- Applicant Ages: 0-85
- Premium Minimum: $10,000 NQ/Q, Max: $2 million
- Premiums; 1st year only
- Guaranteed Minimum Rate: 3.00%
- 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
- Surrender Charge: 9 years
- 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
- Surrender Charge: 9 years
- 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
- Surrender Charge: 6 Years
- 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
- Surrender Charge: 6 Years
For Agent Use Only
Product Features and Rider Availability may vary by state.
ChoiceFour
Effective May 25, 2025
(Rates Effective Since May 20, 2025)
| Feature | |
|---|---|
| Base Contract (9 Years) | 4.75% |
| MVA Option (9 Years/1.5% Premium Bonus) | 4.75% |
| Liquidity Option (6 Years/10% Free Withdrawals) | 4.25% |
| Both Options (6 Years/1.5% Premium Bonus/10% Free Withdrawals) | 4.25% |
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
California,
Missouri,
Alabama,
Alaska,
Arizona,
Arkansas,
Colorado,
Connecticut,
Delaware,
District of Columbia,
Florida,
Georgia,
Hawaii,
Idaho,
Illinois,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Maryland,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
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 |
| CA, AK, CT, FL, ID, IN, MD, MA, MN, MT, NV, NJ, OH, OK, OR, PA, TX, UT, VT, WA |
No Nursing Home Waiver |
| MA |
| Current Form Date | Title | Number |
|---|---|---|
| 2021/09/29 | Agent Gateway Website | ET-GATEWAY |
| 2025/03/05 | All Product Summary | ET-GEN-BR-ALLPROD |
| 2025/03/05 | Annuitant Alignment on Transfer | ET-ANNFNDREQ |
| 2024/02/02 | Annuity New Business Checklist | ET-ANN-CKLIST |
| 2023/11/01 | Annuity Suitability Agent User Guide | ET-3107 |
| 2019/11/05 | Annuity Training User Guide | ET-REGED |
| 2024/07/08 | Choice Four Client Brochure - OR | ET-CH4-BR-1100-OR |
| 2023/10/01 | ChoiceFour Agent Guide | ET-CH4-BR-1102 |
| 2023/12/31 | ChoiceFour Client Brochure | ET-CH4-BR-1100 |
| 2025/05/20 | ChoiceFour Competitive Advantages Flyer | ET-CH4-FLR-CADV |
| 2025/02/12 | ChoiceFour Renewal Rate Stats Flyer | ET-CH4-FLR-RRT |
| 2025/03/05 | Commission Bonus Special Flyer | ET-MULTI-FLR-CMSPCL |
| 2024/12/16 | Delegate Account User Guide | ET-GEN-BR-DELEGATEACCT-AGT |
| 2022/03/23 | E-Delivery Agent User Guide | ET-EDELAGENT |
| 2021/12/13 | E-Delivery Client User Guide | ET-EDELCLIENT |
| 2022/03/23 | E-Delivery FAQs | ET-EDELFAQ |
| 2025/03/05 | EquiTracker Status Definitions | ET-EQUITRACKER-STATUSDEF |
| 2025/03/05 | EquiTracker User Guide | ET-EQTRACKER-GUIDE |
| 2023/02/15 | EquiTrust Advertising Requirements | ET-ADREQ |
| 2024/03/29 | EquiTrust Agent App Overview | ET-GEN-FLR-MBLAPP-OVERVIEW |
| 2024/04/30 | EquiTrust Agent App Quick Start Guide | ET-GEN-FLR-MBLAPP |
| 2019/09/18 | EquiTrust Client Portal Flyer | ET-MYEQUITRUST |
| 2024/05/20 | EquiTrust Contact Information | ET-5000 |
| 2025/04/16 | EquiTrust Corporate Brochure | ET-GEN-BR-1000 |
| 2025/04/18 | EquiTrust Letter of Financial Condition - Producer Use Only | ET-GEN-FLR-LFC |
| 2023/09/05 | EquiTrust Pocket Folder | ET-FDR-1001A |
| 2023/10/30 | EquiTrust Wire-Transfer Instructions | ET-WIRETRANSFER |
| 2024/02/09 | Fixed Annuity Sales Presentation | ET-GEN-BR-1001 |
| 2024/02/09 | Fixed Annuity Sales Presentation - PowerPoint | ET-GEN-BR-1001PP |
| 2024/04/23 | Guidelines for IRA Beneficiaries Under the SECURE Act | ET-GEN-FLR-IRA |
| 2022/12/30 | Income, Assets, and Expenses Inventory | ET-RINCOME |
| 2022/11/29 | Inherited/Stretch IRA Client Brochure | ET-INHERSTRCHIRA |
| 2023/01/31 | Inherited/Stretch IRA Rules | ET-INHRSTRCHRULES |
| 2025/05/20 | Interest Rate Summary | ET-GEN-FLR-RATES |
| 2024/09/09 | Internal Transfer Program Flyer | ET-GEN-FLR-ITP |
| 2021/09/29 | Online Marketing Resources | ET-5002 |
| 2024/09/04 | Partial Tax Conversion | ET-PTAX |
| 2021/07/01 | Upload a Doc User Guide | ET-UPLOADADOC.PDF |
| 2024/08/27 | Ward's 50 | ET-WARDS50 |
| 2024/01/04 | Wizard User Guide | ET-GEN-BR-WUG |