ChoiceFour

Product Detail

Applicant Ages: 0-85
Premium Minimum: $10,000 NQ/Q, Max: $2 million
Premiums; 1^st year only
Guaranteed Minimum Rate: 3.00%
Death Benefit: Full Accumulation Value
Nursing Home Waiver
Terminal Illness Rider

Product Versions

Base Contract:
- Surrender Charge: 9 years
  - 12, 11, 10, 9, 8, 7, 6, 4, 2%
- Premium Bonus: None
- Penalty-Free Withdrawals: Prior 12 months interest
- MVA: None
MVA Option:
- Surrender Charge: 9 years
  - 12, 11, 10, 9, 8, 7, 6, 4, 2%
- Premium Bonus: 1.50%
- Penalty-Free Withdrawals: Prior 12 months interest
- MVA: Yes
Liquidity Option:
- Surrender Charge: 6 Years
  - 12, 11, 10, 9, 8, 7%
- Premium Bonus: None
- Penalty-Free Withdrawals: interest only year 1, 10% of AV years 2+
- MVA: None
Liquidity & MVA Option
- Surrender Charge: 6 Years
  - 12, 11, 10, 9, 8, 7%
- Premium Bonus: 1.50%
- Penalty-Free Withdrawals: Interest only year 1, 10% of AV years 2+
- MVA: Yes

For Agent Use Only

Product Features and Rider Availability may vary by state.

ChoiceFour

Effective April 18, 2024

(Rates Effective Since Feb 16, 2024)

Feature
Base Contract (9 Years)	5.00%
MVA Option (9 Years/1.5% Premium Bonus)	5.00%
Liquidity Option (6 Years/10% Free Withdrawals)	4.50%
Both Options (6 Years/1.5% Premium Bonus/10% Free Withdrawals)	4.50%

Product State Approvals

Alabama,

Alaska,

Arizona,

Arkansas,

California,

Colorado,

Connecticut,

Delaware,

District of Columbia,

Florida,

Georgia,

Hawaii,

Idaho,

Illinois,

Indiana,

Iowa,

Kansas,

Kentucky,

Louisiana,

Maine,

Maryland,

Massachusetts,

Michigan,

Minnesota,

Mississippi,

Missouri,

Montana,

Nebraska,

Nevada,

New Hampshire,

New Jersey,

New Mexico,

North Carolina,

North Dakota,

Ohio,

Oklahoma,

Oregon,

Pennsylvania,

Rhode Island,

South Carolina,

South Dakota,

Tennessee,

Texas,

Utah,

Vermont,

Virginia,

Washington,

West Virginia,

Wisconsin,

Wyoming,

Product State Variations

Surrender Charge Variation

AK, CA, CT, FL, IN, MA, MD, MN, MT, NJ, NV, OH, OK, OR, PA, TX, UT, VT, WA

Current Form Date	Title	Number
2021/09/29	Agent Gateway Website	ET-GATEWAY
2024/02/02	Annuity New Business Checklist	ET-ANN-CKLIST
2023/11/01	Annuity Suitability Agent User Guide	ET-3107
2019/11/05	Annuity Training User Guide	ET-REGED
2023/10/01	ChoiceFour Agent Guide	ET-CH4-BR-1102
2023/12/31	ChoiceFour Client Brochure	ET-CH4-BR-1100
2024/02/15	ChoiceFour Competitive Advantages Flyer	ET-CH4-FLR-CADV
2024/02/26	ChoiceFour Renewal Rate Stats Flyer	ET-CH4-FLR-RRT
2021/04/15	Delegate Account User Guide	ET-DELEGATEACCT
2023/01/25	E-Applications Flyer	ET-EAPP
2022/03/23	E-Delivery Agent User Guide	ET-EDELAGENT
2021/12/13	E-Delivery Client User Guide	ET-EDELCLIENT
2022/03/23	E-Delivery FAQs	ET-EDELFAQ
2023/02/15	EquiTrust Advertising Requirements	ET-ADREQ
2019/01/18	EquiTrust Agent App Overview	ET-MOBILEAPPOVERVIEW
2021/09/29	EquiTrust Agent App Quick Start Guide	ET-MOBILEAPPQUICKSTARTGUIDE
2019/09/18	EquiTrust Client Portal Flyer	ET-MYEQUITRUST
2023/06/28	EquiTrust Contact Information	ET-5000
2024/04/12	EquiTrust Corporate Brochure	ET-GEN-BR-1000
2024/04/12	EquiTrust Letter of Financial Condition - Producer Use Only	ET-GEN-FLR-LFC.PDF
2023/09/05	EquiTrust Pocket Folder	ET-FDR-1001A
2023/10/30	EquiTrust Wire-Transfer Instructions	ET-WIRETRANSFER
2023/10/27	EquiTrust's Competitive Advantages	ET-GEN-FLR-CADV
2024/02/09	Fixed Annuity Sales Presentation	ET-GEN-BR-1001
2024/02/09	Fixed Annuity Sales Presentation - PowerPoint	ET-GEN-BR-1001PP
2022/11/29	Guidelines for IRA Beneficiaries Under the SECURE Act	ET-IRABENEGUIDELINE
2022/12/30	Income, Assets, and Expenses Inventory	ET-RINCOME
2022/11/29	Inherited/Stretch IRA Client Brochure	ET-INHERSTRCHIRA
2023/01/31	Inherited/Stretch IRA Rules	ET-INHRSTRCHRULES
2024/02/06	Internal Transfer Program Flyer	ET-GEN-FLR-ITP
2021/09/29	Online Marketing Resources	ET-5002
2022/09/27	Partial Tax Conversion	ET-PTAX
2021/07/01	Upload a Doc User Guide	ET-UPLOADADOC.PDF
2023/07/31	Ward's 50	ET-WARDS50
2024/01/04	Wizard User Guide	ET-GEN-BR-WUG