CLIENTS LOOKING FOR A BALANCE OF ACCUMULATION AND LIQUIDITY?
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Competitive rates on ChoiceFour® make it an attractive option — with options!
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The economy’s been anything but “on track” in recent years. Inflation, COVID and other hits to the market probably have your near-retirement clients 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.
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ChoiceFour® contract options
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9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%1
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- Penalty-free withdrawals prior 12 months interest
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9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%1
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- Penalty-free withdrawals prior 12 months interest
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6 years —
12, 11, 10, 9, 8, 7%1
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- Penalty-free withdrawals interest only year 1; 10% of AV years 2+
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6 years —
12, 11, 10, 9, 8, 7%1
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- Penalty-free withdrawals interest only year 1; 10% of AV years 2+
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Share the advantages of ChoiceFour®
In addition to benefitting from its rates and flexibility, your clients can also take advantage of:
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- Additional premiums — Premiums can be made anytime during the first contract year.
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- 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.
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Plus, the MGA commission level is a competitive 5.50%.2
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- Strong renewal rates — Among all 6-year ChoiceFour® contracts issued since 20143, 89% renewed at equal to the initial rate, and 9.2% renewed at higher than the initial rate.
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ChoiceFour® — Stability, liquidity and flexibility for today’s market environment
Wednesday, May 17 at 10:00 a.m. Central
Get tips on selling this competitive SPDA, including details about its strong rates, four contract choices, liquidity options and 2.80% guaranteed minimum rate.
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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.”
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Want to talk about how ChoiceFour® could fit into your product consideration set?
Call us at (866) 598-3694.
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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.
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0068-CH4-EM-SW (05-23)
FOR PRODUCER USE ONLY
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EquiTrust
7100 Westown Pkwy Suite 200
West Des Moines, IA 50266
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