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SALES WEEK: Back to the Basics -- Traditional, MYGA, SPIA!



With Numbers Like These – It's Time to Get Back to Basics


4% for 5 Years – Certainty Select MYGA

4% First Year – ChoiceFour Annual Reset, 6-Year Option

3% MGA Comp on 5-Year SPIA – Confidence Income


Rising interest rates are making fixed-rate annuities an attractive alternative for your clients. 


Certainty Select

This multi-year guaranteed annuity features rates not seen since 2009.


Rates (As of 6/22/22)

3 Years:

5 Years:

6 Years:

8 Years:

10 Years:







Certainty Select Features

  • Free Withdrawals of Cumulative Interest – Anytime, Without Surrender Charge or MVA
  • Applicant Ages 0-90
  • Nursing Home Waiver Rider, applicant ages 0-80
  • Terminal Illness Rider
  • Full Accumulation Value at Death

Sales Resources

Personalized Sales Flyer

Certainty Select Client Brochure

Certainty Select Agent Guide



Annual reset annuity offering highly competitive first-year rates, consistent renewal rates, premium bonus option, free withdrawals and strong commission.  


Rates (as of 6/22/22)

Base Contract (9 Years)

MVA Option (9 years / 1.5% Premium Bonus)

Liquidity Option (6 Years / 10% Free Withdrawals)

Both MVA + Liquidity Options (6 Years / 1.5% Premium Bonus / 10% Free Withdrawals)





Strong Renewal-Rate History

Among All 6-Year ChoiceFour Contracts Issued Since 2014*

  • 89.9% Renewed Equal to Initial Rate
  • 8.2% Renewed Above Initial Rate
  • 1.9% Renewed Below Initial Rate
      *1/1/2014 - 5/31/2022

ChoiceFour Features

  • Premium Bonus Option - 1.50% When MVA is Elected
  • Free Withdrawal Privileges - 10% Free Withdrawals After First Year; Interest Only in First Year (Liquidity Option)
  • Competitive Commission - 5.50% MGA Commission; 4.125% Issue Ages 81-85
  • Accumulation Value at End of Surrender Period - The contract is fully liquid and continues earning tax-deferred interest; no surrender charges. The renewal rates continue...and will never go below 1%.

Sales Resources

ChoiceFour Agent Guide

ChoiceFour Client Brochure


Confidence Income

Single premium immediate annuity converts a lump sum into a stream of guaranteed income.


Rates (Payment on $100,000 Premium as of 6/22/22)

Annuity Option

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

Current Payment









Great Life-Policy Funding Vehicle!

Confidence Income Annuity will send SPIA payments to a different carrier to fund a life insurance policy.


Sales Resources

Confidence Income Agent Guide

Confidence Income Client Brochure


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


Certainty Select Contract issued on Contract Form Series ET-MYG-2000(06-09) (not available in OR), or ICC13-ET-MYG-2000(07-13). Choice Four Contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16). Confidence Income Contract issued on Contract Form Series ET-SPIA(08-06). EquiTrust does not offer investment advice to any individual or agent/producer 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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