Annuity News
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- Product & Marketing News
- Administrative Updates
- State-Specific Regulations & Admin News
- Best Practices/ Compliance News
Annuity
- SALES WEEK: Accumulation Now Provides Higher Income Later (9/26/2022)
- SALES WEEK: Offer a Competitive First-Year Rate of 4.0% (9/19/2022)
- SALES WEEK: Full Comp to Age 80 on 10-Year Index Annuities (9/12/2022)
- NEWSWIRE: Internal Transfer Program - Meet Clients' New Goals & Earn Full Comp (9/7/2022)
- SALES WEEK: Help Protect Your Clients From Market Corrections (9/6/2022)
- SALES WEEK: Provide Growth Now and Income Later (8/29/2022)
- NEWSWIRE: Extended! Income Rider Rollup Rate Special (8/25/2022)
- EquiTrust Continues Solid Financial Strength; Updated Sales Resources (4/6/2022)
- Qualification Period Ends June 30 – Jackson Hole, September 2022 – Check Your Qualification Status Online (1/3/2022)
- Contract E-Delivery is Here! Fast, Secure, Efficient … Available with Paper Apps Too! (12/15/2021)
- NEW! Rate Buy-Up Index Annuities for Greater Growth Potential…Webinar…Update Required Training Now (12/7/2021)
- New Inherited/Stretch IRA Business is Now Accepted! (9/28/2021)
- Sales Week: Risk Control Index Added to Two Index Annuities (6/7/2021)
- Security Upgrade – Agent Gateway Website: Delegate Accounts for Your Support Team (4/23/2021)
- MONTHLY OVERVIEW: August Updates, Recaps and Department News (8/31/2022)
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WEBINAR WIRE: Meet Your Clients' NEW Goals with Our Internal Transfer Program
( 9/20/2022) -
SALES WEEK: Our Strong Renewal Rates Help You Sell with Confidence
( 8/22/2022) -
SALES WEEK: Get Paid Faster and Save Time with Our Digital Tools
( 8/15/2022) -
SALES WEEK: Give your clients higher growth potential
( 8/8/2022) -
SALES WEEK: Provide High Income Payments with an EquiTrust Income Rider
( 8/1/2022) -
MONTHLY OVERVIEW: July Updates, Recaps and Department News
( 7/29/2022) -
SALES WEEK: Bonus or No? That is the Question. . .
( 7/25/2022) -
SALES WEEK: MarketSeven Index Offers Your Clients a Fixed 4.15% Rate
( 7/18/2022) -
NEWSWIRE: 7th Year Recognized by "Ward's 50" as a Top Life Insurance Company
( 7/14/2022) -
SALES WEEK: Your Clients Can Have Their Cake and Eat It Too! Accumulation Now and Income Later
( 7/10/2022) -
SALES WEEK: Back to the Basics -- Traditional, MYGA, SPIA!
( 7/4/2022) -
MONTHLY OVERVIEW: June Updates, Recaps and Department News
( 6/30/2022) -
Independence-Day Observance – Early Closing Friday, 7/1 – Reopening Tuesday, 7/5
( 6/29/2022) -
SALES WEEK: Maximize Your Accumulation with MarketMax; Webinar 6/29 - Register Now!
( 6/26/2022) -
NEWSWIRE: Sizzling-Hot: Best MYGA Rates Since 2009! 4% for 5 Years on Certainty Select!
( 6/26/2022) -
NEWSWIRE: Two Big-Splash Announcements - Rate Increase AND Income Rider Special
( 6/21/2022) -
SALES WEEK: Bond Yields Have Your Clients Feeling Down?
( 6/20/2022) -
SALES WEEK: ChoiceFour Features Make it a Grand Slam
( 6/13/2022) -
SALES WEEK: Focus on Education – Annuity Awareness Month
( 6/6/2022) -
MONTHLY OVERVIEW: May Updates, Recaps and Department News
( 5/31/2022) -
SALES WEEK: Client-Use, Preapproved Advertising!
( 5/31/2022) -
Sales Week: Filling the Retirement Gap
( 5/23/2022) -
SALES WEEK: Competitive Advantages of EquiTrust’s Buy-Up Annuities
( 5/16/2022) -
SALES WEEK: Sales Flyer: Index Annuities Protect Against Market Corrections
( 5/9/2022) -
SALES WEEK: Built For Accumulation – Two No-Frills, Time-Tested Index Annuities
( 5/2/2022) -
MONTHLY OVERVIEW: April Updates, Recaps and Department News (1)
( 4/29/2022) -
SALES WEEK: The Trust-Me Annuity You Really Can Trust – ChoiceFour Annual-Reset Annuity
( 4/25/2022) -
Special Webinar: Barclays Guest-Speaker Insights on Focus50 Index – Wed 4/27 10:00 AM Central
( 4/21/2022) -
SALES WEEK: Attractive Alternatives for Maturing CDs
( 4/18/2022) -
SALES WEEK: The Retirement Mountain – Accumulation Then Income – Annuities Meet Both Objectives
( 4/11/2022) -
SALES WEEK: No Haircuts – Full Comp to Age 80 on Index Annuities
( 4/4/2022) -
MONTHLY OVERVIEW: March Updates, Recaps and Department News (1)
( 4/1/2022) -
SALES WEEK: To Bonus or Not to Bonus; Rate Buy-Up Index Annuities
( 3/28/2022) -
SALES WEEK: Why Purchase a Rate Buy-Up Index Annuity?
( 3/21/2022) -
SALES WEEK: Seven E-Tools to Simplify Your Business
( 3/14/2022) -
SALES WEEK: Higher Growth Potential with Rate Buy-Up Index Annuities
( 3/7/2022) -
SALES WEEK: EquiTrust Supports Your Inherited/Stretch IRA Business!
( 2/28/2022) -
MONTHLY OVERVIEW: February Updates, Recaps and Department News (1)
( 2/25/2022) -
Sales Week: A Case for Index-Strategy Diversification to Achieve Accumulation Goals
( 2/22/2022) -
SALES WEEK: Reasons To Do Business With EquiTrust – and Resources to Back Them Up
( 2/14/2022) -
SALES WEEK: A Fresh Look at Annuity Suitability
( 2/7/2022) -
MONTHLY OVERVIEW: January Updates, Recaps and Department News (1)
( 1/28/2022) -
SALES WEEK: Case Studies and Resources to Tap the Inherited/Stretch IRA Market
( 1/24/2022) -
SALES WEEK: Six E-Tools to Simplify Your Business
( 1/18/2022) -
SALES WEEK: Rate Buy-Up Index Annuities Offer a Winning Strategy!
( 1/10/2022) -
SALES WEEK: Start 2022 With a Bang – New Rate Buy-Up Index Annuities
( 1/3/2022) -
MONTHLY OVERVIEW: December Updates, Recaps and Department News (1)
( 12/29/2021) -
SALES WEEK: Clients With Inherited IRAs? You Can Assist!
( 12/20/2021) -
SALES WEEK: Six Ways to Modernize Your Business – EquiTrust Technology Platform
( 12/13/2021) -
SALES WEEK: A Solid History of Stability – Renewal Rates
( 12/6/2021) -
New Index Products Coming Soon – Be Ready – Fulfill Your Product Training Requirement Now
( 12/2/2021) -
MONTHLY OVERVIEW: November Updates, Recaps and Department News
( 11/30/2021) -
SALES WEEK: MORE Webinars to Enhance Your Sales!
( 11/29/2021) -
SALES WEEK: Say Goodbye to Bear Markets – Flyer: Recovering From a Market Correction (1)
( 11/22/2021) -
SALES WEEK: Sales Resources for Your Inherited/Stretch IRA Sales
( 11/15/2021) -
SALES WEEK: Say Goodbye to Bear Markets – Flyer: Recovering From a Market Correction
( 11/8/2021) -
SALES WEEK: Designed for Accumulation – MarketValue Index
( 11/1/2021) -
MONTHLY OVERVIEW: October Updates, Recaps and Department News
( 10/29/2021) -
SALES WEEK: 10% Premium Bonus Index Annuity – No Vesting
( 10/25/2021) -
SALES WEEK: Inherited IRA Sales Resources!
( 10/18/2021) -
SALES WEEK: E-App Simplifies Your Business!; Webinar – How to Use E-App
( 10/11/2021) -
SALES WEEK: Inherited/Stretch IRA Sales Resources and Webinar Replay
( 10/5/2021) -
MONTHLY OVERVIEW: September Updates, Recaps and Department News
( 10/5/2021) -
SALES WEEK: Index Annuities Help Fulfill Various Objectives; Surprise Webinar – A Lucrative Market Niche is Back!
( 9/27/2021) -
SALES WEEK: EquiTrust Financial Strength Instills Confidence
( 9/20/2021) -
SALES WEEK: Renewal Rate History & Resources Available Online
( 9/13/2021) -
SALES WEEK: Delegate-Account Upgrade Gives Your Sales Team Secured Website Access
( 9/7/2021) -
SALES WEEK: Submit Business and Get Paid More Quickly; Webinar – MarketSeven Index Annuity
( 8/30/2021) -
SALES WEEK: Peace of Mind with Annuity Living Benefits
( 8/23/2021) -
SALES WEEK: Financial Strength Instills Confidence
( 8/16/2021) -
SALES WEEK: Earn Stable & Competitive Credits with Risk-Control Indices
( 8/9/2021) -
SALES WEEK: Technology Upgrades Simplify Your Business
( 8/2/2021) -
SALES WEEK: Return of Premium + Bonus = MarketTen Bonus Index
( 7/26/2021) -
Upload A Doc is Available Now on your EquiTrust Agent Gateway!
( 7/21/2021) -
SALES WEEK: How to Identify and Refresh Your Clients’ Dusty Money
( 7/19/2021) -
6th Year! EquiTrust Receives “Ward’s 50” Recognition Among Top Life and Health Companies!
( 7/8/2021) -
SALES WEEK: The Case for Index Strategy Diversification
( 7/6/2021) -
MONTHLY OVERVIEW: June Updates, Recaps and Department News -2021
( 6/30/2021) -
SALES WEEK: Binge-Worthy Series – Webinar Replays
( 6/28/2021) -
SALES WEEK: 7-Year FIA Issues to 85!
( 6/21/2021) -
MONTHLY OVERVIEW: May Updates, Recaps and Department News -2021
( 5/26/2021) -
SALES WEEK: Return of Premium + Bonus – MarketTen Bonus Index
( 5/19/2021) -
S&P MARC 5% ER Index Added to MarketPower Bonus & MarketTen Bonus Index Annuities
( 5/17/2021) -
SALES WEEK: Index Annuity Illustrations – Smart Sales Tool
( 5/3/2021) -
SALES WEEK: Discover the Many Benefits of E-App
( 4/19/2021) -
SALES WEEK: Sales Tip – 10% Bonus/10-Year Index Annuity in 16 States
( 4/5/2021) -
SALES WEEK: Sales Tip – Raw Vs. Credited Index Returns
( 3/29/2021) -
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) -
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) -
SALES WEEK: Sales Tools to Close the Sale
( 2/8/2021) -
SALES WEEK: Sales Tip – No More Market Corrections!
( 2/1/2021) -
SALES WEEK: Webinars on Accumulation-Focused Index Annuities; Sales Tip on MarketTen Bonus ROP Guarantee
( 1/25/2021) -
SALES WEEK: RMDs, Legacy & Income from a Single Product!
( 1/11/2021) -
SALES WEEK: Advantages of Risk-Control Indices
( 1/4/2021)
Annuity
- One Allocation/Account Transfer Form for All Index Annuities (9/23/2021)
- 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
-
RMD Year-End Reminder
( 12/6/2021) -
Revised Agent Appointment Application Required July 1, 2021
( 6/2/2021) -
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
- Colorado Adopts Revised NAIC Model Regulation – Updated Training Requirements (8/11/2022)
- North Carolina Adopts Revised NAIC Model Regulation – Updated Training Requirements (8/11/2022)
- Hawaii Adopts Revised NAIC Suitability Model Regulation - Updated Training Requirements (6/21/2022)
- South Carolina Adopts Revised NAIC Model Regulation – Updated Training Requirements (6/16/2022)
- Minnesota Adopts Revised NAIC Model Regulation – Updated Training Requirements (5/25/2022)
- Wisconsin Adopts Revised NAIC Model Regulation – Updated Training Requirements (4/19/2022)
- Maryland Adopts Revised NAIC Model Regulation – Updated Training Requirements (4/13/2022)
- South Dakota Adopts Revised NAIC Model Regulation – Updated Training Requirements (3/14/2022)
- New Mexico Adopts Revised NAIC Model Regulation – Updated Training Requirements (3/9/2022)
- Pennsylvania Adopts Revised NAIC Model Regulation – Updated Training Requirements (1/19/2022)
- Kentucky and Mississippi Adopt Revised NAIC Model Regulation – Updated Training Requirements (11/22/2021)
- Connecticut Adopts Revised NAIC Model Regulation – Updated Training Requirements (8/17/2021)
- Virginia Adopts Revised NAIC Model Regulation – Updated Training Requirements
- Maine Adopts Revised NAIC Model Regulation – Updated Training Requirements (7/1/2021)
- Alabama Adopts Revised NAIC Model Regulation – Updated Training Requirements (6/21/2021)
- Texas Adopts Revised NAIC Model Regulation – Updated Training Requirements (6/9/2021)
- Montana Adopts Revised NAIC Model Regulation – Updated Training Requirements (6/3/2021)
- 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)
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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.
-
Idaho Disclosure for Index Annuities – Effective 6/2/21
( 6/2/2021) -
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
- Important DOL Fiduciary Requirements: New Disclosure Form and Updated FNA – Effective 2/1/22 (1/19/2022)
-
EquiTrust Business Guidelines Updated – Fulfill Your Annual Review Requirement
(1/5/2022)
Agents are required to review this document at least annually. Click here for the 1-22 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)