Sales Week: Offer clients strong rates, liquidity options and a competitive 2.80% GMIR

CLIENTS LOOKING FOR A BALANCE OF ACCUMULATION AND LIQUIDITY?

Competitive rates on ChoiceFour^® make it an attractive option — with options!

Mature couple sitting by the ocean relaxing

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.

ChoiceFour^® contract options

Contract option

Rate

Surrender charge

Details

Base contract

5.00%

9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%¹

Penalty-free withdrawals prior 12 months interest

MVA

5.00%

9 years —
12, 11, 10, 9, 8, 7, 6, 4, 2%¹

Penalty-free withdrawals prior 12 months interest

Premium bonus 1.50%

Liquidity

4.50%

6 years —
12, 11, 10, 9, 8, 7%¹

Penalty-free withdrawals interest only year 1; 10% of AV years 2+

Liquidity + MVA

4.50%

6 years —
12, 11, 10, 9, 8, 7%¹

Penalty-free withdrawals interest only year 1; 10% of AV years 2+

Premium bonus 1.50%

Share the advantages of ChoiceFour^®
In addition to benefitting from its rates and flexibility, your clients can also take advantage of:

Additional premiums — Premiums 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 at equal to the initial rate, and 9.2% renewed at higher than the initial rate.

ChoiceFour renewal rates

Webinar Wednesday

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.

Register now

Reminder

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.”

Renewal rates

Want to talk about how ChoiceFour^® could fit into your product consideration set?

Call us at (866) 598-3694.

866.598.3694 • [email protected] • Agents.EquiTrust.com.

Active Member

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.

0068-CH4-EM-SW (05-23)

FOR PRODUCER USE ONLY

EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266