CLIENTS LOOKING FOR A BALANCE OF ACCUMULATION AND LIQUIDITY?
|
Competitive rates on ChoiceFour® make it an attractive option — with options!
|
|
|
|
When it comes to preparing for the future, your clients are likely focused on stability, liquidity options and flexibility — especially if they have a shorter time horizon before retirement.
If they’re looking for great rates, too, EquiTrust can help.
Four choices in one fixed annuity
ChoiceFour® — a one-year renewable rate fixed annuity — includes four contract options, each designed to help clients enjoy stable, tax-deferred growth.
|
|
|
ChoiceFour contract options
|
|
|
|
|
|
9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%1
|
|
Penalty-free withdrawals prior 12 months interest
|
|
|
|
|
|
|
9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%1
|
|
Penalty-free withdrawals prior 12 months interest
|
|
|
|
|
|
|
6 years —
12, 11, 10, 9, 8, 7%1
|
|
Penalty-free withdrawals interest only year 1; 10% of Accumulation Value (AV) years 2+
|
|
|
|
|
|
|
6 years —
12, 11, 10, 9, 8, 7%1
|
|
Penalty-free withdrawals interest only year 1; 10% of AV years 2+
|
|
|
|
Share the advantages of ChoiceFour
In addition to benefitting from its rates and flexibility, your clients can also take advantage of:
|
|
|
- Additional premiums — Premium payments can be made anytime during the first contract year.
|
|
|
- Competitive 2.80% Guaranteed Minimum Interest Rate (GMIR) — Rate will never go below the 2.80% GMIR, even after the 6- or 9-year surrender charge period.
|
|
Plus, the MGA commission level is a competitive 5.50%.2
|
|
|
- Strong renewal rates — Among all 6-year ChoiceFour contracts issued since 20143, 89% renewed equal to the initial rate, and 9.3% renewed higher than the initial rate.
|
|
|
Renewal rate transparency
EquiTrust is proud to share all our renewal rates. You can find them on the Agent Gateway at Products > Interest Rates. Just click on a product, enter the issue date and click “Get Renewal Rates.”
|
|
|
TURN E-APPS INTO EASY MONEY
Earn $500 for each E-Application — up to $2,500!
|
|
|
|
Want to talk through a potential ChoiceFour case? Have questions about the product?
Call us at 866-598-3694.
|
|
|
1 May vary by state.
2 Issue ages 0-80. For ages 81-85, commission level is 4.125%.
3 1/1/2015 - 8/31/2022. The information shown provides no assurance of future renewal rate or interest rate decisions. Renewal rate history is only one aspect of an annuity product; clients should consider all features before purchasing.
Guarantees are subject to the claims-paying ability of EquiTrust Life Insurance Company.
Contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA2000(07-16).
EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
EquiTrust.com. For Producer Use Only. © EquiTrust 2023. All Rights Reserved.
|
|
|
0697-CH4-EM-SW (05-23)
FOR PRODUCER USE ONLY
|
|
EquiTrust
7100 Westown Pkwy Suite 200
West Des Moines, IA 50266
|
|
|
|
|
