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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
  • 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 May 02, 2025
(Rates Effective Since Oct 24, 2024)
Feature
Base Contract (9 Years) 4.50%
MVA Option (9 Years/1.5% Premium Bonus) 4.50%
Liquidity Option (6 Years/10% Free Withdrawals) 4.00%
Both Options (6 Years/1.5% Premium Bonus/10% Free Withdrawals) 4.00%



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, ID, IN, MA, MD, MN, MT, NJ, NV, OH, OK, OR, PA, TX, UT, VT, WA
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
2024/10/24 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
2023/01/25 E-Applications Flyer ET-EAPP
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
2025/03/05 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

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