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Rate Change on Annuity and Life Products – Effective 8/21

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Rate Change on Annuity and Life Products

Effective August 21, 2020
(Rate hold requirement date August 20th)

 

Rate Decrease on all EquiTrust Annuity and Life Products.

 

Transition Rules

To receive the current rates, applications must be received via mail, fax or E-App on Thursday, August 20th 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

1.15% (formerly 1.60%)

2.25% (formerly 3.00%)

2.50% (formerly 3.25%)

25.00% (formerly 27.00%)

1.30% (formerly 1.50%)

5.00% (formerly 7.00%)

45.00% (formerly 65.00%)

65.00% (formerly 90.00%)

Rates if Income Rider
is Elected
1.00% (formerly 1.40%)
2.00% (formerly 2.75%)

2.25% (formerly 3.00%)

23.00% (formerly 24.00%)
1.15% (formerly 1.35%)

4.00% (formerly 6.00%)

40.00% (formerly 60.00%)

60.00% (formerly 85.00%)


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

1.10% (formerly 1.50%)

2.25% (formerly 2.75%)

2.50% (formerly 3.00%)

23.00% (formerly 25.00%)

1.20% (formerly 1.40%)

5.00% (formerly 6.00%)

45.00% (formerly 60.00%)

65.00% (formerly 80.00%)

Rates if Income Rider
is Elected
1.00% (formerly 1.25%)
2.00% (formerly 2.50%)

2.25% (formerly 2.75%)

18.00% (formerly 20.00%)
1.10% (formerly 1.30%)

4.00% (formerly 5.00%)

40.00% (formerly 50.00%)

60.00% (formerly 70.00%)


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

2.50% (formerly 2.75%)

4.25% (formerly 4.50%)

28.00% (formerly 30.00%)

4.75% (formerly 5.00%)

45.00% (no change)

2.00% (no change)

10.00% (formerly 12.00%)

85.00% (formerly 100.00%)

120.00% (formerly 140.00%)

100.00% (formerly 110.00%)

Rates if Income Rider
is Elected
2.25% (formerly 2.50%)
4.00% (formerly 4.25%)

25.00% (formerly 28.00%)

4.50% (formerly 4.75)
35.00% (no change)

1.80% (no change)

9.00% (formerly 10.00%)

75.00% (formerly 90.00%)

100.00% (formerly 120.00%)

90.00% (formerly 100.00%)


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

2.25% (formerly 2.50%)

4.00% (formerly 4.25%)

26.00% (formerly 28.00%)

4.50% (formerly 5.00%)

43.00% (formerly 45.00%)

1.90% (formerly 2.00%)

9.00% (formerly 10.00%)

80.00% (formerly 90.00%)

115.00% (formerly 125.00%)

90.00% (formerly 100.00%)

Rates if Income Rider
is Elected
2.00% (formerly 2.25%)
3.75% (formerly 4.00%)

24.00% (formerly 25.00%)

4.25% (formerly 4.50%)
38.00% (formerly 40.00%)

1.65% (formerly 1.75%)

8.00% (formerly 9.00%)

65.00% (formerly 75.00%)

90.00% (formerly 100.00%)

75.00% (formerly 85.00%)

Certainty Select (Multi-Year Guarantee Annuity)

3-Year
5-Year

6-Year

8-Year

10-Year

1.20% (formerly 1.50%)
1.70% (formerly 2.10%)

1.85% (formerly 2.20%)

2.00% (formerly 2.40%)

2.20% (formerly 2.60%)

ChoiceFour (Traditional Fixed Annuity)

Base Contract

MVA Option

Liquidity Option

Liquidity + MVA Option

2.40% (formerly 2.80%)

2.40% (formerly 2.80%)

2.00% (formerly 2.40%)

2.00% (formerly 2.40%)

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

$1,671.15 (formerly $1,681.41)

$907.59 (formerly $924.71)

$666.64 (formerly $684.72)

$546.47 (formerly $560.72)

$499.71 (formerly $524.22)

$453.00 (formerly $476.83)

$398.58 (formerly $418.84)

Life Products

WealthMax Bonus 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

3.50% (formerly 4.00%)

7.00% (formerly 8.00%)

70.00% (no change)

125.00% (no change)

140.00% (no change)

Illustrated Rate

3.50%

4.60%

4.55%

4.60%

4.60%

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

4.00% (formerly 4.50%)

9.00% (formerly 9.50%)

75.00% (no change)

140.00% (no change)

150.00% (no change)

Illustrated Rate

4.00%

5.67%

4.86%

5.67%

5.67%

Click here to see the Annuity All Product Summary with 8/21/20 rates.


Click here to see the Life All Product Summary with 8/21/20 rates.

 

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-1081

FOR PRODUCER USE ONLY

EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266