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Rate Change – All Annuities and WealthHorizon Life, Effective 7/1/20

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Rate Change on Annuity and Life Products

Effective July 1, 2020
(Rate hold requirement date June 30th)

 

Rate Decrease on all EquiTrust Annuity Products and WealthHorizon Life.

 

Transition Rules

To receive the current rates, applications must be received via mail, fax or E-App on Tuesday, June 30th by 5:00 PM (Central).

 

If fax is confirmed, do not resend; please allow for processing time. 

Annuity Products


MarketPower Bonus Index

1-Yr Interest

S&P 500 1-Yr Pt-to-Pt Cap

S&P 500 1-Yr Mo Avg Cap

S&P 500 1-Yr Mo Avg Part

S&P 500 1-Yr Mo Cap

S&P 500 2-Yr Mo Avg Cap

Focus50 1-Yr Pt-to-Pt Part

Focus50 2-Yr Pt-to-Pt Part

Rates if Income Rider
Not Elected

1.60% (formerly 2.25%)

3.00% (formerly 4.00%)

3.25% (formerly 4.25%)

27.00% (formerly 30.00%)

1.50% (formerly 2.00%)

7.00% (formerly 8.00%)

65.00% (formerly 75.00%)

90.00% (formerly 100.00%)

Rates if Income Rider
is Elected
1.40% (formerly 2.00%)
2.75% (formerly 3.50%)

3.00% (formerly 3.75%)

24.00% (formerly 25.00%)
1.35% (formerly 1.75%)

6.00% (formerly 7.00%)

60.00% (no change)

85.00% (no change)


MarketTen Bonus Index

1-Yr Interest

S&P 500 1-Yr Pt-to-Pt Cap

S&P 500 1-Yr Mo Avg Cap

S&P 500 1-Yr Mo Avg Part

S&P 500 1-Yr Mo Cap

S&P 500 2-Yr Mo Avg Cap

Focus50 1-Yr Pt-to-Pt Part

Focus50 2-Yr Pt-to-Pt Part

Rates if Income Rider
Not Elected

1.50% (formerly 2.00%)

2.75% (formerly 3.50%)

3.00% (formerly 3.75%)

25.00% (no change)

1.40% (formerly 1.75%)

6.00% (formerly 7.00%)

60.00% (formerly 65.00%)

80.00% (formerly 85.00%)

Rates if Income Rider
is Elected
1.25% (formerly 1.75%)
2.50% (formerly 3.00%)

2.75% (formerly 3.25%)

20.00% (no change)
1.30% (formerly 1.50%)

5.00% (formerly 6.00%)

50.00% (formerly 55.00%)

70.00% (formerly 75.00%)


MarketValue Index

1-Yr Interest

S&P 500 1-Yr Pt-to-Pt Cap

S&P 500 1-Yr Pt-to-Pt Part

S&P 500 1-Yr Mo Avg Cap

S&P 500 1-Year Mo Avg Part

S&P 500 1-Year Mo Cap

S&P 500 2-Yr Mo Avg Cap

Focus50 1-Yr Pt-to-Pt Part

Focus50 2-Yr Pt-to-Pt Part

MARC 5% 1-Yr Pt-to-Pt Part

Rates if Income Rider
Not Elected

2.75% (formerly 3.00%)

4.50% (formerly 5.00%)

30.00% (formerly 35.00%)

5.00% (formerly 5.25%)

45.00% (formerly 50.00%)

2.00% (formerly 2.25%)

12.00% (formerly 13.00%)

100.00% (no change)

140.00% (no change)

110.00% (no change)

Rates if Income Rider
is Elected
2.50% (no change)
4.25% (formerly 4.50%)

28.00% (formerly 30.00%)

4.75% (no change)
35.00% (formerly 40.00%)

1.80% (formerly 2.00%)

10.00% (formerly 11.00%)

 90.00% (no change)

120.00% (no change)

100.00% (no change)


MarketSeven Index

1-Yr Interest

S&P 500 1-Yr Pt-to-Pt Cap

S&P 500 1-Yr Pt-to-Pt Part

S&P 500 1-Yr Mo Avg Cap

S&P 500 1-Year Mo Avg Part

S&P 500 1-Year Mo Cap

S&P 500 2-Yr Mo Avg Cap

Focus50 1-Yr Pt-to-Pt Part

Focus50 2-Yr Pt-to-Pt Part

MARC 5% 1-Yr Pt-to-Pt Part

 

Rates if Income Rider
Not Elected

2.50% (formerly 2.75%)

4.25% (formerly 4.75%)

28.00% (formerly 30.00%)

5.00% (no change)

45.00% (formerly 50.00%)

2.00% (no change)

10.00% (no change)

90.00% (no change)

125.00% (no change)

100.00% (no change)

Rates if Income Rider
is Elected
2.25% (no change)
4.00% (formerly 4.25%)

25.00% (formerly 28.00%)

4.50% (no change)
40.00% (formerly 45.00%)

1.75% (no change)

9.00% (no change)

75.00% (no change)

100.00% (no change)

85.00% (no change)

Certainty Select (Multi-Year Guarantee Annuity)

3-Year
5-Year

6-Year

8-Year

10-Year

1.50% (formerly 1.75%)
2.10% (formerly 2.50%)

2.20% (formerly 2.65%)

2.40% (formerly 2.75%)

2.60% (formerly 3.00%)

ChoiceFour (Traditional Fixed Annuity)

Base Contract

MVA Option

Liquidity Option

Liquidity + MVA Option

2.80% (formerly 3.15%)

2.80% (formerly 3.15%)

2.40% (formerly 2.60%)

2.40% (formerly 2.60%)

Confidence Income Annuity (Single Premium Immediate Annuity)
Monthly Guaranteed Payment on $100,000 Premium)

5-Year Fixed Period

10-Year Fixed Period

15-Year Fixed Period

20-Year Fixed Period

Life Only - Male 65

Life Only - Female 65

Joint Life - M 65 / F 65

$1,681.41 (formerly $1,693.75)

$924.71 (formerly $941.96)

$684.72 (formerly $689.28)

$560.72 (formerly $565.52)

$524.22 (formerly $529.72)

$476.83 (formerly $482.18)

$418.84 (formerly $421.41)

Life Products

No Rate Change to WealthMax Bonus Life

WealthHorizon Life

1-Year Interest

1-Year Pt-to-Pt Cap

1-Year Monthly Avg Part

1-Year Pt-to-Pt Part (Barclays)

1-Year Pt-to-Pt Part (MARC 5)

Rate

4.50% (formerly 5.00%)

9.50% (formerly 11.00%)

75.00% (formerly 90.00%)

140.00% (formerly 150.00%)

150.00% (formerly 165.00%)

New Illustrated Rate

4.50% (formerly 5.00%)

5.92% (formerly 6.62%)

4.86% (formerly 5.81%)

5.92% (formerly 6.62%)

5.92% (formerly 6.62%)

Click here to see the current Annuity All Product Summary


Click here to see the current Life All Product Summary

 

Questions? Call Sales Support
at 866-598-3694 or
visit the Agent
Website at Agents.EquiTrust.com

 
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Products underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services.

 
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IC20-ECN-1069

FOR PRODUCER USE ONLY

EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266