Sales Week: Do renewal rates ever go up?

DO RENEWAL RATES EVER GO UP?

AT EQUITRUST, THEY DO!

Touch base with your clients about the importance of a strong renewal rate history

You — just like your clients — no doubt prefer to work with companies that don't just talk the talk, they walk the walk. And when it comes to renewal rates, that's what EquiTrust is committed to doing.

In that spirit, we want to show you the impact on renewal rates for EquiTrust fixed index annuity (FIA) contracts when rates on account options increase.

We make renewal rate transparency a priority, providing more than a flashy, upfront rate. When you choose EquiTrust, you and your clients can rest easy knowing you've chosen a company with renewal rate integrity.

Let’s take a look at renewal rate history on a real MarketValue Index^® contract issued on 03/01/2020.

Crediting strategy

Initial rate¹

Year 4 renewal rate (2023)

Year 5 renewal rate (2024)

1-Yr Interest

2.40%

2.35%

S&P 500 1-Yr Pt-to-Pt Cap

4.75%

4.60%

S&P 500 1-Yr Pt-to-Pt Participation

40%

23%

33%

S&P 500 1-Yr Mo Avg Cap

5.50%

S&P 500 1-Yr Mo Avg Participation

70%

60%

65%

S&P 500 1-Yr Mo Cap

1.70%

S&P 500 2-Yr Mo Avg Cap

16%

15%

We make it easy to view renewal rate history from the date of contract issue for any EquiTrust product.

View renewal rate history

Premium bonus boost

Don't let your clients miss out on this limited-time offer! We've increased premium bonuses by 2%² on select FIAs through March 31, 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

For a customized quote or to talk through renewal rates on our other products, call (866) 598-3694.

866-598-3694 • [email protected] • Agents.EquiTrust.com

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¹With 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.

² Premium bonus on MarketForce Bonus Index increased by 3% in CA

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.

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EquiTrust

7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

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