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Sales Tip: Choice Solution for Fixed-Rate Clients - ChoiceFour


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Sales Tip

2% First Year –

6-Year Annual Reset With

2% Minimum Renewals!


Excellent Tax-Deferred Alternative for Rate-Focused Clients


1.5% Premium Bonus with MVA Option  



ChoiceFour Annuity – Traditional Annual Reset


Are your fixed-rate clients reluctant to commit to multiple-year rates? Consider a tax-deferred annual-reset annuity. 


ChoiceFour Annuity offers a one-year rate – reset annually – which features a 2.0% minimum rate on future renewal rates. At the end of the 6-year surrender period, the contract is fully liquid at the current accumulation value, and continues earning tax-deferred interest; no surrender charges. 


Premium Bonus

If the MVA Option is selected, a 1.50% premium bonus is added to premiums.


Free Withdrawals

6-year Liquidity Option allows up to 10% withdrawals of the Accumulation Value without MVA or surrender charges after the first contract year.


Strong Commission

5.50% MGA commission for issue-ages up to age 80; 4.125% for ages 81-85.


Learn More

Click the links below for:

Agent Guide

Client Brochure

Personalized Illustrations

Client-Use Renewal-Rates Flyer


Questions? Call Sales Support
866-598-3694 or visit
the Agent Website at


EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice. 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.





7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

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