Please ensure your web browser is up to date. For the best experience, we recommend using Google Chrome.
For Producer Use Only
Sales Week: Share renewal rate history on EquiTrust products to inspire confidence in clients
?
EQUITRUST STANDS OUT WITH RENEWAL RATE TRANSPARENCY
Tell clients about the importance of a strong renewal rate history
?
In your experience working with clients, you've likely heard questions about why the caps or participation rates on their fixed index annuity's (FIA's) crediting strategychanged from one contract year to the next. After all, renewal rates play a big role in ensuring your clients stay on track to reach their retirement goals.
At EquiTrust, we make renewal rate transparency a priority, providing more than a flashy, up-front rate. Your clients get a renewal rate they can count on as they plan for the future.
Strong renewal rates At EquiTrust, we have a proven history of strong renewal rates, and it’s a history we're pleased to share. Want an example to show clients? Check out this flyer to see renewal rates over 14 years on our MarketPower Bonus Index® Annuity.
At the time your client purchases an EquiTrust FIA, the interest rate environment helps determine the caps or participation rates of the annuity. Renewal rates can be affected by:
Option costs — An insurance company purchases options that hedge the index crediting strategies of the FIA. Changes in market volatility or short-term interest rates impact option costs, which affects where cap and participation rates are set at the time of renewal.
Bond yields — Changing bond yields affect the rates at which a company can reinvest, which can then impact fixed rates, caps and participation rates upon renewal.
We make it easy to view renewal rate history for any EquiTrust product from the date of contract issue.
Positioning versatile EquiTrust fixed index annuities for sales success
Wednesday, Jan. 24 at 10:00 a.m.
Join us as we discuss the broad range of EquiTrust fixed index annuity solutions, including their product features, historical results and competitive advantages.
Earn an extra 1% on EquiTrust FIAs — including Bridge®
Writing agents can earn an extra 1% commission on our simple, effective fixed index annuities (FIAs) for applications received through January 31, 2024.
1 Premium bonus on MarketForce Bonus IndexTM increased by 3% in CA.
With the exception of the 1-Year Interest Account, renewal rates do not reflect actual credited rates or the amounts credited to the account. The actual credited amounts are based on the performance of the S&P 500 Index, subject to the renewal cap or participation rate.
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.
