Annuity News
Click on the below links/Tabs for more Information.
- Product & Marketing News
- Administrative Updates
- State-Specific Regulations & Admin News
- Best Practices/ Compliance News
Annuity
- Rate Increase! All Index Annuities and ChoiceFour Annual Reset – Effective 4/14/21 (4/14/2021)
- SALES WEEK: Webinar and Sales Tip – Climbing the Retirement Mountain (4/12/2021)
- SALES WEEK: Sales Tip – 10% Bonus/10-Year Index Annuity in 16 States (4/5/2021)
- MONTHLY OVERVIEW: March Updates, Recaps and Department News (3/31/2021)
- WATCH! Webinar Recording – Barclays Focus50 Index – Guest Speaker – Login Required (2/19/2021)
- Annuity Contract Correction Letters Sent to Your Clients (8/27/2020)
- Commission Schedules Revised – Impacting MarketPower Sales in Idaho Only (7/1/2020)
-
New Agent Gateway Website - Your Online Sales and Business Resource
(6/23/2020)
The linked printable flyer provides additional information and navigation tips. Click Here.
- EquiTrust Response to COVID-19 – From Eric Holoman, Pres & CEO (4/23/2020)
- Exciting Opportunities for Accumulation – With Less Volatility! (4/1/2020)
-
Digital Enhancements to Simplify Your EquiTrust Business
(3/27/2020)
EquiTrust Mobile App & E-App
- New Procedures for Life Sales When Face-to-Face Meetings Aren’t an Option (3/25/2020)
- Sell By Phone or Video Messaging With Clients! Follow These Remote Application Policy Procedures (3/18/2020)
- SECURE Act Impacts RMD Ages and Inherited IRAs (1/2/2020)
- Stabilize (and INCREASE) Your Income, With Trail Commissions! (11/14/2019)
- Can a Participation Index Strategy Outperform the S&P 500 Index? (5/20/2019)
- New Business Form Changes for Confidence Income Annuity (SPIA) – All States (9/1/2020)
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SALES WEEK: Sales Tip – Raw Vs. Credited Index Returns
( 3/29/2021) -
SALES WEEK: Sales Tip – Client-Use SPL Case Studies
( 3/22/2021) -
Income Benefit Rider Changes – Effective 4/1/21
( 3/16/2021) -
SALES WEEK: Webinars – Transfers, Rollovers & 1035s; EquiTrust University; Sales Tip – Modernize Your Business in 4 Steps
( 3/15/2021) -
SALES WEEK: Webinar – MarketValue Index Annuity; Sales Tip – The Importance of Index Strategy Diversification
( 3/8/2021) -
New Webinar Topics to Enhance Your Sales!
( 3/3/2021) -
SALES WEEK: Webinar - Annuity Fiction vs Fact; Sales Tip – Return of Premium Protects Your Blind Spot
( 3/1/2021) -
Revised Financial Needs Analysis Form – Required 4/1/21
( 2/26/2021) -
MONTHLY OVERVIEW: February Updates, Recaps and Department News
( 2/25/2021) -
SALES WEEK: Webinar – How to Identify and Energize Your Clients’ Dusty Money
( 2/22/2021) -
SALES WEEK: Webinars – Risk-Control Index, and WealthHorzon Life; Sales Tip – Reasons to Do Business with EquiTrust
( 2/16/2021) -
NEWSWIRE: Rate Change on Three Index Annuities – Effective 2/19/21
( 2/12/2021) -
SALES WEEK: Sales Tools to Close the Sale
( 2/8/2021) -
SALES WEEK: Sales Tip – No More Market Corrections!
( 2/1/2021) -
MONTHLY OVERVIEW: January Updates, Recaps and Department News
( 1/28/2021) -
SALES WEEK: Webinars on Accumulation-Focused Index Annuities; Sales Tip on MarketTen Bonus ROP Guarantee
( 1/25/2021) -
SALES WEEK: Two Webinars & Sales Tip on Single Premium Life
( 1/19/2021) -
SALES WEEK: RMDs, Legacy & Income from a Single Product!
( 1/11/2021) -
SALES WEEK: Advantages of Risk-Control Indices
( 1/4/2021) -
MONTHLY OVERVIEW: December Updates, Recaps and Department News
( 12/30/2020) -
Sales Tip: The Advantages of a Premium Bonus
( 12/14/2020) -
ChoiceFour Minimum Interest Rate Reduced, Effective 1/1/21
( 12/7/2020) -
Sales Tip – Resolve Wealth-Transfer Objectives
( 12/7/2020) -
MONTHLY OVERVIEW: Updates, Recaps and Department News
( 11/30/2020) -
Sales Tip: New Illustration Supplement Shows Historical Results for Selected Index Allocations
( 11/30/2020) -
Sales Tip: Choice Solution for Fixed-Rate Clients - ChoiceFour
( 11/16/2020) -
Revised Forms Required 1/1/21: Financial Needs Analysis and Disclosure & Comparison of Annuity Contracts
( 11/10/2020) -
Sales Tip: Introduce Your Clients to Products AND the Company
( 11/9/2020) -
Sales Tip: Growth in Calmer Waters
( 11/2/2020) -
OCTOBER MONTHLY OVERVIEW: Updates, Recaps and Department News
( 10/30/2020) -
Sales Tip: Lifetime Income Plus Index Annuity Benefits
( 10/26/2020) -
Sales Tip: Resources to Close the Sale
( 10/19/2020) -
NEWSWIRE: Rate Change on Index Annuities and SPIA – Effective 10/20/20
( 10/14/2020) -
Sales Tip: Client Flyer Explains Index Annuity Upside Potential/Downside Protection
( 10/12/2020) -
Sales Tip: Return of Premium – For Peace of Mind
( 10/5/2020) -
SEPTEMBER MONTHLY OVERVIEW: Updates, Recaps and Department News
( 9/30/2020) -
Sales Tip: Single Premium Life Suites Remote Sales and Fits Today’s Needs
( 9/28/2020) -
Sales Tip: Sell More with EquiTrust Webinars!
( 9/21/2020) -
Sales Tip: Easy Access to Renewal Rate History and Resources
( 9/14/2020) -
Sales Tip: Tools to Sell More Single Premium Life
( 9/8/2020) -
Sales Tip: Install the Agent App on Your Mobile Device for 24/7 Access!
( 8/31/2020) -
AUGUST MONTHLY OVERVIEW: Updates, Recaps and Department News
( 8/28/2020) -
Sales Idea: Annual Reset Annuity with 2% Minimum!
( 8/24/2020) -
Rate Change on Annuity and Life Products – Effective 8/21
( 8/18/2020) -
Sales Tip: Indices Achieving Goals of Low Volatility and Competitive Growth!
( 8/17/2020) -
Sales Idea: Fulfill Client Demands for Guaranteed Income
( 8/10/2020) -
Sales Tip: How Are Annuity Rates Set?
( 8/3/2020) -
JULY MONTHLY OVERVIEW: Updates, Recaps and Department News
( 7/30/2020) -
Sales Tip: Sales Resources for Wealth-Transfer Life Sales
( 7/27/2020) -
Sales Tip: Position Your Business for the Long Term, with Trail Commissions
( 7/20/2020) -
Sales Tip: Compelling Reasons to Do Business With EquiTrust
( 7/13/2020) -
Sales Idea: Life Illustration Supplements Simplify Guaranteed Values and Life Expectancy Snapshot
( 7/7/2020) -
JUNE MONTHLY OVERVIEW: Updates, Recaps and Department News
( 6/30/2020) -
Sales Tip: 200% Muliplier on Income Rider - Unbeatable?
( 6/29/2020) -
Rate Change – All Annuities and WealthHorizon Life, Effective 7/1/20
( 6/24/2020) -
Sales Tip: Why a Risk-Controlled Index?
( 6/22/2020) -
NEWSWIRE: Idaho Product Changes for Four Annuities, Effective 7/1/20
( 6/17/2020) -
Sales Tip: Explain Index Calculations Easily
( 6/15/2020) -
Sales Tip: Online Access to Renewal Rate History for All Products
( 6/9/2020) -
NEWSWIRE: Rate Change on Certainty Select, ChoiceFour and Confidence Income Annuities
( 6/8/2020) -
UPDATE: Agent Gateway Website – Added Guidelines for Easier Access
( 6/4/2020) -
NEWSWIRE: Agent Gateway Website Available Now! Same Web Address and Login Credentials
( 6/3/2020) -
Sales Idea: Explain Annuity and Life Concepts Easily with Sales Tracks
( 6/1/2020) -
MAY MONTHLY OVERVIEW: Updates, Recaps and Department News (1)
( 5/29/2020) -
Sales Idea: Annual Index Credits with 2-Year Strategy Rates!
( 5/18/2020) -
Sales Tip: Technology to Modernize Your Business
( 5/11/2020) -
Sales Idea: 3% Fixed-Rate Annuities Get Attention!
( 5/4/2020) -
APRIL MONTHLY OVERVIEW: Updates, Recaps and Department News
( 4/30/2020) -
Sales Tip: Return of Premium = Peace of Mind
( 4/27/2020) -
Sales Tip: Benefits of Bonus Index Annuity in Today’s Environment
( 4/20/2020) -
NEWSWIRE: 1% Commission Increase – Limited Time! Rate Increase for ALL Annuities and Life Products!
( 4/15/2020) -
Sales Idea: Sales Flyer Explains Downside Protection
( 4/14/2020) -
Sales Idea: Client Videos Promote Accumulation with Risk-Control Indices
( 4/6/2020) -
Improved Annuity Application for California, Required April 15
( 4/13/2020) -
Sales Tip: Which Income Rider Is The Best Fit?
( 3/30/2020) -
Sales Idea: Index-Linked Accumulation with GUARANTEES!
( 3/23/2020) -
Coronavirus Update: EquiTrust Operating at Full Capacity
( 3/20/2020) -
Sales Idea: Illustrations Strengthen Your Annuity Sales
( 3/9/2020) -
NEWSWIRE: Rate Change on Annuity and Life Products, Effective 3/13
( 3/9/2020) -
Improved Annuity Applications and State Replacement Forms, Effective March 17
( 3/3/2020) -
Sales Idea: Go Paperless with E-App! 2020 Life Illustrated Rates
( 3/2/2020) -
Sales Idea: Client-Use, Preapproved Advertising!
( 2/28/2020) -
Sales Idea: Buyer Profiles for Accumulation-Focused Index Annuities
( 2/10/2020) -
Sales Idea: Life Illustration Side-by-Side Product Comparisons!
( 2/3/2020) -
JANUARY MONTHLY OVERVIEW: Updates, Recaps and Department News
( 1/30/2020) -
Premium Bonuses May Make Sense for These Index-Annuity Buyers
( 10/17/2019) -
EquiTrust Recognized Among “Ward’s 50” for Financial Performance – Fourth Consecutive Year!
( 8/14/2019) -
Income Rider Comparison: MarketValue vs 200% Multiplier
( 5/17/2019) -
Index Strategy Diversification – For More Consistent Overall Performance
( 5/8/2019) -
Massachusetts Gets Nursing Home Waiver on Certainty Select and ChoiceFour
( 4/1/2019) -
Deadline Extended to Sign Your Updated Agent Contract
( 3/6/2019) -
10 Days Remain to Sign Your Updated Agent Contract
( 2/19/2019) -
EquiTrust Insurance Marketing Services to Launch in 2019
( 12/20/2018) -
UPDATE: Faxed Annuity Apps Now Accepted by EquiTrust! Photo ID Required
( 11/28/2018) -
All Annuities Now On E-Apps! Confidence Income SPIA Added. Fast & Easy App Submission!
( 1/19/2018) -
NEW! Illustrations for ALL Index Annuities! Great Sales Tool!
( 1/11/2016) -
Fillable Forms! Convenient Feature Included on All Online Forms!
( 4/23/2015)
Annuity
- Updated Wire Transfer Instructions – Effective 2/1/21 (1/28/2021)
- RMD Year-End Reminders (12/8/2020)
- New, Improved Entity Information Form Certification And Indemnification Agreement (10/7/2020)
-
Client Communications: RMD Waiver/IRA Amendments
(9/15/2020)
To be distributed to impacted clients over the next several weeks
-
EquiTrust Wire-Transfer Instructions
(8/10/2020)
When sending funds to EquiTrust via bank wire transfer, follow the instructions provided on this printable document – form ET-WIRETRANSFER. Click here.
- Death-Claim Procedures on Inherited/Stretch IRAs (6/29/2020)
- CARES Act – How to suspend or return 2020 RMDs if elected by clients (4/30/2020)
-
Photographs of Certain Documents Accepted Temporarily
(4/7/2020)
NIGO documents and delivery receipts accepted; application-related documents are not. Click here to read more
-
Coronavirus Update: EquiTrust Operating at Full Capacity
(3/20/2020)
Successful Transition to Work-From-Home Environment
- Client Access to Online Contract/Policy Information – Available Now (11/14/2019)
-
Additional Service Forms Now Subject to Secured Access
(9/3/2019)
In addition to Withdrawal/Loan/EFT forms already secured, more service-related Life and Annuity forms now require login.
-
New Business Processing Delays for Agents Without Updated Agent Contracts
(6/3/2019)
Effective June 1
-
1035 Exchange for Spousal Death Benefits Now Permitted
(1/2/2019)
Updated Deferred Annuity Claim Form – ET-2700(12-18)
-
Outgoing Partial 1035 Exchanges Allowed on NQ Annuities
(1/4/2017)
Effective 1/4/2017
-
Do Not Use White Out on Applications
(8/3/2006)
Reminder of EquiTrust Life rule, stated in Business Guidelines 2006
-
Revised EquiTrust Contracting Paperwork – Available Now; Required December 1
( 10/30/2020) -
Confidence Income Annuity Form Revision: Disclosure & Comparison of Products
( 8/26/2019) -
New Service Forms – Available Now; Required 1/1/20
( 8/6/2019) -
EquiTrust Agent Appointment Application Form Updated, Effective 8/1
( 6/28/2019) -
Login Now Required to Access Forms for Withdrawal/Loan/EFT
( 12/19/2017) -
New Contracting Procedures for Agency Appointments
( 12/18/2015) -
Tips to Assure FAST Contract Issuance
( 7/20/2007) -
Reallocations Are Not Allowed During Free-Look Period
( 3/27/2006) -
EquiTrust Life Will Not Reissue if Client Free-Looks a Contract
( 3/27/2006) -
New EquiTrust Life Guidelines for Agent Transfers
( 2/8/2006) -
Post-Anniversary Transfer Window for EquiTrust Life Indexed Annuities
( 12/13/2005) -
Muliple Premiums can be HELD to achieve clients' allocation strategies.
( 8/15/2005)
Annuity
- Nebraska Adopts Revised NAIC Model Regulation – Updated Training Requirements (4/8/2021)
- Idaho Adopts Revised NAIC Model Regulation – Updated Training Requirements (3/18/2021)
- Ohio Adopts Revised NAIC Model Regulation – Updated Training Requirements (2/10/2021)
- Delaware Adopts Revised NAIC Model Regulation – Updated Training Requirements (2/4/2021)
- North Dakota Adopts Revised NAIC Model Regulation – Updated Training Requirements (1/27/2021)
- Michigan Adopts Revised NAIC Model Regulation – Updated Training Requirements (1/20/2021)
- Arkansas Adopts Revised NAIC Model Regulation – Updated Training Requirements (1/6/2021)
- NEWSWIRE: Revised NAIC Suitability Model Regulation – New General Annuity Training CE and Form Requirements (3/29/2021)
-
Utah Resident Requirements
(6/29/2020)
Residents of Utah cannot purchase an annuity product outside of Utah.
-
California Resident Requirements
(6/29/2020)
Residents of California cannot purchase an annuity product outside of California.
-
Arkansas Comparison Form Change
(12/31/2019)
Comparative Information Form - Arkansas (form ET-RPL-4906AR) is no longer required for annuities, effective 1/1/20. Use the "Disclosure & Comparison of products" forms for respective EquiTrust annuity products.
- FL Suitability/Replacement Forms 10-Day Rule Enforced (5/13/2014)
-
Massachusetts Resident Requirements
(7/26/2012)
Massachusetts residents must apply and sign for annuity contracts in the Commonwealth only.
-
License Requirements Regarding Securities Replacements
(7/26/2012)
Applies to Arkansas, Iowa, Tennessee, Utah, & Vermont
-
Florida Accredited Investor Form Requirement Reminder
(6/11/2012)
MarketPower Bonus requires Accredited Investor form for clients over 65. Clients to be contacted by phone to verify accredited certification.
-
North Carolina DOI Requires Agent Email Addresses
( 4/24/2019) -
Revised Financial Needs Analysis Form, Required January 15
( 12/18/2019) -
Oregon Sales Resume for MarketPower Bonus Index
( 8/5/2019) -
Oregon Sales Temporarily Suspended for MarketPower Bonus Index
( 7/2/2019) -
Pennsylvania Agent Training Requirement
( 8/20/2018) -
Montana Agent Training Requirement
( 6/13/2017) -
Arizona Agent Training Requirement
( 5/22/2017) -
Virginia Agent Training Requirement
( 3/28/2017) -
Missouri Agent Training Requirement
( 3/28/2017) -
Replacement Regulation in Alaska
( 3/6/2017) -
Delaware Agent Training Requirement
( 1/6/2017) -
Alabama Agent Training Requirement
( 9/1/2016) -
Massachusetts Agent Training Requirement
( 7/18/2016) -
Important Notice – Illinois Disaster Relief
( 1/7/2016) -
Georgia Agent Training Requirement
( 8/15/2015) -
Tennessee Agent Training Requirement
( 8/14/2015) -
Maine Agent Training Requirement
( 6/4/2015) -
Wyoming Agent Training Requirement
( 7/28/2014) -
Iowa Index CE Requirement Applies to Both Annuities and Life Insurance
( 11/1/2013) -
New D.C. Consumer Records Retention Requirements
( 2/15/2011) -
Utah License Requirements Change
( 2/4/2011) -
Michigan Notice of Safeguarding Customer Information
( 1/11/2011) -
California Requires Email Addresses for California Agents
( 12/21/2010) -
Utah Requires Email Addresses for Utah Agents
( 11/1/2010) -
North Carolina DOI Requires Agent Email Addresses
( 10/7/2010) -
Oklahoma Training Requirement
( 5/27/2010) -
Arkansas Replacement Reminder
( 5/17/2010) -
Texas Annuity Producer Required Training
( 4/2/2010) -
Arkansas Required Training
( 7/20/2009) -
New Training Requirement for California Agents
( 8/17/2004)
Annuity
-
Business Guidelines Updated
(3/18/2020)
Agents are required to review this document at least annually. Click here for the 3-20 version.
- 2020 Minimum Guaranteed Contract Value Rates (1/2/2020)
- Additional Information on Suitability-Confirmation Calls – Client-Use Flyer (12/3/2019)
- Money Laundering and Criminal Enforcement (11/6/2019)
- Social Engineering, Why You Should Be Aware (11/4/2019)
- EquiTrust to Begin Suitability-Verification Calls (10/22/2019)
- Policies on Joint Ownership of Fixed Annuities (9/11/2019)
- Account Takeover Fraud – Protect Your Clients’ Information (8/23/2019)
- Annuity Suitability Agent User Guide (7/1/2019)
- Consumer Alerts Issued by Kansas and Nebraska: Unauthorized Annuity Withdrawals (11/9/2017)
-
Reminder: EquiTrust Does Not Allow Replacement of Annuities Within 3 Years of Issue
(11/5/2015)
See EquiTrust Business Guidelines, page 4, for more information.
-
Advertising Reminder: Submit All Product Advertising for Review
(6/6/2014)
Whether or not the EquiTrust product or Company are identified, all product-focused ads must be submitted prior to use.
-
NAIC Producer Licensing Model Act Override Commissions
(4/22/2014)
EquiTrust will pay override commissions to unlicensed individuals and entities under certain circumstances, and according to the Model Act. See State listing here.
-
Suitability Letters to Clients
(7/26/2013)
Sent to annuity applicants per Annuity Transactions Model Regulation
- Solicitation of Insurance Prohibited on Military Installations (1/6/2010)
-
Louisiana Notice Regarding Producer Agencies
( 8/24/2016) -
EquiTrust Advertising Guidelines
( 9/22/2015) -
Suitability of Trust-Owned Annuities
( 7/26/2012) -
Agent Designations Reminder
( 7/6/2009) -
Agent Designations
( 1/15/2009) -
Annuity Sales to Military Members
( 12/18/2007) -
Free-Withdrawal and RMD Policy for EquiTrust Life Fixed Annuities
( 4/11/2006) -
UGMA/UTMA Guidelines
( 11/8/2004)