Sales Week: Offer contract options, liquidity, stable growth and a competitive 3.00% guaranteed minimum rate

HELP CLIENTS STRIKE A BALANCE BETWEEN LIQUIDITY AND ACCUMULATION

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

Grandparent and granddaughter walking on log image

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

Contract option

Rate

Surrender charge

Free withdrawals

Premium
bonus

Base contract

5.00%

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

Prior 12 months interest

N/A

MVA

5.00%

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

Prior 12 months interest

1.50%

Liquidity

4.50%

6 years —
12, 11, 10, 9, 8, 7%¹

Interest only in first contract year; 10% of Accumulation Value (AV) years 2+

N/A

Liquidity + MVA

4.50%

6 years —
12, 11, 10, 9, 8, 7%¹

Interest only in first contract year; 10% of AV years 2+

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 — Premium payments can be made anytime during the first contract year.

Competitive 3.00% Guaranteed Minimum Interest Rate (GMIR) — Rate will never go below the 3.00% 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, 88.8% renewed equal to the initial rate, and 9.3% renewed higher than the initial rate.

ChoiceFour renewal rates

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

Premium bonus boost

Don't let your clients miss out on this limited-time offer! We've increased premium bonuses by 2%¹ on select FIAs through June 28, 2024.

Get the details

Paradise awaits!

Start qualifying now to join us in magnificent Turks & Caicos for our 2025 EquiTrust Producer Incentive Trip.

Get the details

Want to talk through a potential ChoiceFour case? Have questions about the product?

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.

1139-CH4-EM-SW (04-24)

FOR PRODUCER USE ONLY

EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266