ChoiceFour Minimum Interest Rate Reduced, Effective 1/1/21
 ChoiceFour Minimum Interest Rate Reduced Effective 1/1/21
ChoiceFour annuity contracts with effective dates (money received) of January 1, 2021 or later will be subject to a lower minimum interest rate.
This does not impact rates for new money; see current rates below.
Contracts issued on or before December 31, 2020 will have a minimum interest rate of 2%; on or after January 1, 2021, the minimum interest rate will be 1%.
ChoiceFour Annuity offers a one-year rate – reset annually. At the end of either the 6- or 9-year surrender period, the contract is fully liquid at the current accumulation value, and continues earning tax-deferred interest; no surrender charges. Option Base Contract - 9 Years MVA Option - 9 Years Liquidity Option - 6 Years Liquidity + MVA - 6 Years Premium Bonus None 1.50% None 1.50% Current Rate (as of 8/21/20) 2.40% 2.40% 2.00% 2.00% Premium Bonus If the MVA Option is selected, a 1.50% premium bonus is added to premiums.
Free Withdrawals 6-year Liquidity Option allows up to 10% withdrawals of the Accumulation Value without MVA or surrender charges after the first contract year.
Strong Commission 5.50% MGA commission for issue-ages up to age 80; 4.125% for ages 81-85.
Learn More Click the links below for:
Questions? Call Sales Support 
Contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA2000(07-16). Products underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services.  
IC20-ECN-1133 FOR PRODUCER USE ONLY {YOURCOMPANY.NAME} {YOURCOMPANY.ADDRESS} |