Rate Change – All Annuities and WealthHorizon Life, Effective 7/1/20
 Rate Change on Annuity and Life Products Effective July 1, 2020
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
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 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 3.00% (formerly 3.75%) 24.00% (formerly 25.00%) 6.00% (formerly 7.00%) 60.00% (no change) 85.00% (no change)
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 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 2.75% (formerly 3.25%) 20.00% (no change) 5.00% (formerly 6.00%) 50.00% (formerly 55.00%) 70.00% (formerly 75.00%)
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 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 28.00% (formerly 30.00%) 4.75% (no change) 1.80% (formerly 2.00%) 10.00% (formerly 11.00%) 90.00% (no change) 120.00% (no change) 100.00% (no change)
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 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 25.00% (formerly 28.00%) 4.50% (no change) 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 6-Year 8-Year 10-Year 1.50% (formerly 1.75%) 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) 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
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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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