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SALES WEEK: Attractive Alternatives for Maturing CDs



Attractive Alternatives For Maturing CDs


Take note of CD maturity dates during client reviews and ask if they're open to exploring new ideas


Your clients with certificates of deposit may be interested in alternatives with higher rates and accumulation potential.



  • First-Year Rate: 2.50% 
  • 1.5% Premium Bonus if MVA Option Elected
  • 6-Year Surrender Schedule
  • ChoiceFour Full Details: Agent Guide | Client Brochure


Certainty Select

  • Wide Range of Guarantee Periods
    3 Years                 2.00%
    5 Years                 2.75%
    6 Years                 3.00%
    8 Years                 3.05%
    10 Years               3.10%
  • Certainty Select Full Details: Agent Guide | Client Brochure


MarketSeven Index Annuity

  • 1-Year Interest Account Rate: 2.80%
  • Competitive Cap and Participation Rates
  • 107% Accumulation Value Guarantee at the End of 7 Years
  • 7-Year Surrender Schedule
  • MarketSeven Full Details: Agent Guide | Client Brochure        


MarketTen Bonus Index Annuity

  • 6% Premium Bonus Added for Premium During Years 1 – 5
  • Allows CDs with Various Maturities to be Consolidated into Single Contract
  • Return of Premium – Surrender at Any Time and Receive 100% of Premiums, less Withdrawals and Fees
  • MarketTen Bonus Full Details: Agent GuideClient Brochure

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


ChoiceFour contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16). Certainty Select contract issued on Contract Form Series ET-MYG-2000(06-09) or ICC13-ET-MYG-2000(07-13). MarketSeven contract issued on Form Series ICC16-ET-FIA7-2000(10-16) or ET-FIA7-2000(10-16) with riders ICC16-ET-AVGR(10-16) or ET-AVGR(10-16); ICC16-ET-IBR-FIXED(07-16) or ET-IBR-FIXED(07-16); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). MarketTen Bonus contract issued on Contract Form Series ICC18-ET-MTB-2000(06-18) or ET-MTB-2000(06-07) with riders ICC16-ET-IBR-FIXED(07-16) or ET-IBR(06-08); ICC17-ET-IBR-ER-A(04-17) or ET-IBR-ER-A(04-17); ICC17-ET-FIXED-ROP(02-17) or ET-FIXED-ROP(02-17); ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). 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. For Producer Use Only.





7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

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