EquiTrust Life Insurance Company

Why EquiTrust Annuities?

When you seek strength and innovation from a financial services provider, look no further than EquiTrust Life Insurance Company. EquiTrust is licensed in 49 states and the District of Columbia and offers annuity and life insurance products.

EquiTrust Life Insurance Company is rated BBB+ (Good) by Standard & Poor's and B++ (Good) by A.M. Best Company for its financial strength and ability to meet obligations to policyholders.

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State Availability

Index Annuities

MarketPower Bonus Index®

Single-premium index deferred annuity with a 10% premium bonus on first-year premiums. Includes a fixed-rate account and 5 index-linked accounts. Optional income benefit rider available; product crediting rates vary if IBR elected.

• 14-Year Design
• Applicant Ages: 0-75 (no IBR); 40-75 (with IBR)
• Minimum Premium: $10,000 NQ/Q
• Nursing Home and Terminal Illness Waivers
• Income Rider: Benefit Base compounds annually at 6% for up to 10 years; 1.25% annual fee on Accumulation Value; chronic-illness doubler.

MarketTen Bonus Index®

Flexible-premium index deferred annuity with a 6% premium bonus on all premiums years 1-5. Return of Premium feature. Includes a fixed-rate account and 5 index-linked accounts. Optional income benefit rider available; product crediting rates vary if IBR elected.

• 10-Year Design
• Applicant Ages: 0-80 (no IBR); 40-80 (with IBR)
• Minimum Premium: $10,000 NQ; $5,000 Q
• Nursing Home and Terminal Illness Waivers
• Income Rider: Benefit Base compounds annually at 6.5% for up to 10 years; 1.00% annual fee on Accumulation Value; chronic-illness doubler.

MarketValue Index®

Flexible-premium index deferred annuity. Includes a fixed-rate account and 8 index-linked accounts, including multi-asset, risk-controlled index options. Optional income benefit rider available; product crediting rates vary if IBR elected.

• 10-Year Design
• Applicant Ages: 0-80 (no IBR); 40-80 (with IBR)
• Minimum Premium: $10,000 NQ/Q
• Nursing Home and Terminal Illness Waivers
• Income Rider: Includes Benefit Base bonus of 10% on first-year premiums plus Benefit Base compounds annually at 4% plus index/interest credited rates for up to 10 years; 0.95% annual fee on Accumulation Value; chronic-illness doubler.

MarketSeven Index

Flexible-premium index deferred annuity. Includes a fixed-rate account and 8 index-linked accounts, including multi-asset, risk-controlled index options. Optional income benefit rider available; product crediting rates vary if IBR elected.

• 7-Year Design
• Applicant Ages: 0-85 (no IBR); 40-85 (with IBR
• Minimum Premium: $10,000 NQ/Q
• Nursing Home and Terminal Illness Waivers
• Income Rider: Includes Benefit Base bonus of 7% on first-year premiums plus Benefit Base compounds annually at 7% for up to 7 years; 1.25% annual fee on Accumulation Value; chronic-illness doubler.

Multi-Year Guarantee Annuity

Certainty Select®

    - Applicant Ages: 0-90
    - Minimum Premium: $10,000 NQ/Q

A single premium MYGA offering a choice of guarantee periods. Features full accumulation value at death and free withdrawals of cumulative interest.

Traditional Fixed Annuity

ChoiceFour®

    - Applicant Ages: 0-85
    - Minimum Premium: $10,000 NQ/Q A Single Premium Deferred Annuity featuring a one-year annual reset interest rate. Allows additional premiums in the first year only. A Base Contract and the availability of two options provide a choice of four contract variations:

• Base Contract: 9-year surrender charge schedule, free withdrawals of prior 12 months interest
• MVA Option: 9-year surrender schedule, 1.50% premium bonus, MVA, free withdrawals of prior 12 months interest
• Liquidity Option: 6-year surrender schedule, free withdrawals of 10% of accumulation value annually years 2
• Liquidity & MVA Options: 6-year surrender schedule, 1.50% premium bonus, MVA, free withdrawals of 10% of accumulation value annually years 2

Single Premium Immediate Annuity

Confidence Income Annuity®

    - Applicant Ages: Fixed Period - 0-90; Single Life & Joint Life - 0-85
    - Minimum Premium: $30,000 NQ/Q

A Single-Premium Immediate Annuity featuring a range of payment options.

Fixed Period: Any period from 5-20 years.        

‍Single Life: Payment can be with or without a Fixed Period (5-20 years).        

‍Joint Life: Payments can be with or without a Fixed Period (5-20 years), and/or with Payment Reduction on one life or both lives.Non-qualified and IRAs only.

New to Annuity Sales?

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you've come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams: