Expert review · 2026

EquiTrust review

Annuity Atlas covers 19 EquiTrust annuity products with live rates and contract specs. 17 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked: 19
MYGA yield (lineup max): 5.85% · 10yr · Certainty Select 10
Surrender range: 3–14 years

Rate as of Oct 15, 2026

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Products covered

A.M. Best

B++

Categories covered

Income · MYGA · FIA

19 EquiTrust annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Certainty Select 10 Buyers with a genuine 10-year time horizon who want a low $10,000 minimum premium and value no-cost waiver riders over chasing the top posted rate	MYGA	10yr	B++	—	—	Review →
Certainty Select 8 Savers who want an 8-year rate lock with no fees and are comfortable with a carrier rated B++ rather than A- or higher	MYGA	8yr	B++	—	—	Review →
Certainty Select 5 Conservative savers who want a locked 5-year rate, flexible penalty-free access to earned interest, and no rider complexity	MYGA	5yr	B++	—	—	Review →
Certainty Select 6 Savers who want a locked six-year rate and are comfortable with a fully back-loaded surrender schedule	MYGA	6yr	B++	—	—	Review →
Certainty Select 3 Conservative savers who want a short, competitively rated 3-year lock and are comfortable with a B++-rated carrier	MYGA	3yr	B++	—	—	Review →
Bridge LTC Annuity	FIA	10yr	B++	—	—	Details →
Choice Four (Liquidity & MVA Option)	MYGA	6yr	B++	—	—	Details →
ChoiceFour Buyers who want a simple, no-fee traditional fixed annuity and are comfortable with a rate that resets annually after the first contract year	MYGA	9yr	B++	—	—	Review →
ChoiceFour (Liquidity Rider) Buyers who want a shorter fixed-rate commitment than EquiTrust's standard ChoiceFour and meaningfully more access to their money along the way	MYGA	6yr	B++	—	—	Review →
ChoiceFour (MVA) Savers who want an immediate 1.50% bump to their contract value and can commit to a full 9-year surrender schedule without needing access to principal along the way	MYGA	9yr	B++	—	1.5% (through age 85)	Review →
MarketEarly Income Index Buyers who want to defer income for several years, value a built-in income rider with a 20% benefit-base bonus, and would benefit from a no-cost income doubler if they later need care	Income	10yr	B++	Yes 1.25% annually fee	—	Review →
MarketEdge Bonus Index Buyers who want a large up-front account-value bump, plan to leave the money untouched for the full 10 years, and value that the bonus flows through to their beneficiaries	FIA	10yr	B++	—	11% (through age 75)	Review →
MarketFive Index Buyers who want a low $10,000 minimum premium entry into a broad-menu FIA with a clean, MVA-free death benefit and don't need a lifetime income rider	FIA	5yr	B++	—	—	Review →
MarketFuture Bonus Income Index Buyers in their 50s to 70s who want to defer for several years, turn on built-in lifetime income later, and value the chance to double that income if they need care	Income	10yr	B++	Yes 1.25% annually fee	8%	Review →
MarketPower Bonus Index A buyer well under RMD age who is certain they will not touch this money for well over a decade and wants a large upfront premium bonus in exchange for accepting the longest surrender commitment on the market	FIA	14yr	B++	—	12%	Review →
MarketSeven Index Buyers who want a deep menu of index crediting strategies, no-cost nursing home and terminal illness protection, and a guaranteed minimum accumulation floor, and who are comfortable with a carrier rated B++ rather than A-tier	FIA	7yr	B++	—	—	Review →
MarketTen Bonus Index Long-horizon accumulation buyers who want a large, immediately vested premium bonus and can leave the money in place for the full 10-year surrender period	FIA	10yr	B++	—	8%	Review →
MarketValue Index Accumulation-focused buyers who want a low $10,000 entry point, a wide index-crediting menu, and a strong contractual death benefit, and who don't need an income rider	FIA	10yr	B++	—	—	Review →
SmartBoost Index Buyers who want principal-protected index-linked growth plus a built-in, no-cost boost to what heirs eventually receive, and who don't need an income rider	FIA	10yr	B++	—	—	Review →

Certainty Select 10

Buyers with a genuine 10-year time horizon who want a low $10,000 minimum premium and value no-cost waiver riders over chasing the top posted rate

B++

A.M. BEST

MYGA10-YR SURRENDER

Review →

Certainty Select 8

Savers who want an 8-year rate lock with no fees and are comfortable with a carrier rated B++ rather than A- or higher

B++

A.M. BEST

MYGA8-YR SURRENDER

Review →

Certainty Select 5

Conservative savers who want a locked 5-year rate, flexible penalty-free access to earned interest, and no rider complexity

B++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Certainty Select 6

Savers who want a locked six-year rate and are comfortable with a fully back-loaded surrender schedule

B++

A.M. BEST

MYGA6-YR SURRENDER

Review →

Certainty Select 3

Conservative savers who want a short, competitively rated 3-year lock and are comfortable with a B++-rated carrier

B++

A.M. BEST

MYGA3-YR SURRENDER

Review →

Bridge LTC Annuity

B++

A.M. BEST

FIA10-YR SURRENDER

Details →

Choice Four (Liquidity & MVA Option)

B++

A.M. BEST

MYGA6-YR SURRENDER

Details →

ChoiceFour

Buyers who want a simple, no-fee traditional fixed annuity and are comfortable with a rate that resets annually after the first contract year

B++

A.M. BEST

MYGA9-YR SURRENDER

Review →

ChoiceFour (Liquidity Rider)

Buyers who want a shorter fixed-rate commitment than EquiTrust's standard ChoiceFour and meaningfully more access to their money along the way

B++

A.M. BEST

MYGA6-YR SURRENDER

Review →

ChoiceFour (MVA)

Savers who want an immediate 1.50% bump to their contract value and can commit to a full 9-year surrender schedule without needing access to principal along the way

B++

A.M. BEST

MYGA9-YR SURRENDERBONUS 1.5% (through age 85)

Review →

MarketEarly Income Index

Buyers who want to defer income for several years, value a built-in income rider with a 20% benefit-base bonus, and would benefit from a no-cost income doubler if they later need care

B++

A.M. BEST

Income10-YR SURRENDERINCOME RIDER 1.25% annually FEE

Review →

MarketEdge Bonus Index

Buyers who want a large up-front account-value bump, plan to leave the money untouched for the full 10 years, and value that the bonus flows through to their beneficiaries

B++

A.M. BEST

FIA10-YR SURRENDERBONUS 11% (through age 75)

Review →

MarketFive Index

Buyers who want a low $10,000 minimum premium entry into a broad-menu FIA with a clean, MVA-free death benefit and don't need a lifetime income rider

B++

A.M. BEST

FIA5-YR SURRENDER

Review →

MarketFuture Bonus Income Index

Buyers in their 50s to 70s who want to defer for several years, turn on built-in lifetime income later, and value the chance to double that income if they need care

B++

A.M. BEST

Income10-YR SURRENDERINCOME RIDER 1.25% annually FEEBONUS 8%

Review →

MarketPower Bonus Index

A buyer well under RMD age who is certain they will not touch this money for well over a decade and wants a large upfront premium bonus in exchange for accepting the longest surrender commitment on the market

B++

A.M. BEST

FIA14-YR SURRENDERBONUS 12%

Review →

MarketSeven Index

Buyers who want a deep menu of index crediting strategies, no-cost nursing home and terminal illness protection, and a guaranteed minimum accumulation floor, and who are comfortable with a carrier rated B++ rather than A-tier

B++

A.M. BEST

FIA7-YR SURRENDER

Review →

MarketTen Bonus Index

Long-horizon accumulation buyers who want a large, immediately vested premium bonus and can leave the money in place for the full 10-year surrender period

B++

A.M. BEST

FIA10-YR SURRENDERBONUS 8%

Review →

MarketValue Index

Accumulation-focused buyers who want a low $10,000 entry point, a wide index-crediting menu, and a strong contractual death benefit, and who don't need an income rider

B++

A.M. BEST

FIA10-YR SURRENDER

Review →

SmartBoost Index

Buyers who want principal-protected index-linked growth plus a built-in, no-cost boost to what heirs eventually receive, and who don't need an income rider

B++

A.M. BEST

FIA10-YR SURRENDER

Review →

Income rider fees

Disclosed charges for optional riders on EquiTrust products, live from Annuity Rate Watch. Product-level detail is on each review.

Rider	Product	Fee
MarketEarly Income Benefit Rider	MarketEarly Income Index	1.25% annually
MarketFuture Bonus Income Rider	MarketFuture Bonus Income Index	1.25% annually
Income For Life	MarketPower Bonus Index	0.75% annually
MarketPower Bonus Income Rider	MarketPower Bonus Index	1.25% annually
MarketSeven Income Rider	MarketSeven Index	1.25% annually
MarketTen Bonus Income Rider	MarketTen Bonus Index	1.00% annually
MarketValue Income Rider	MarketValue Index	0.95% annually

Frequently asked questions

Is EquiTrust a good annuity company?

We have reviewed 17 EquiTrust products, and A.M. Best rates the carrier B++ for financial strength.

What are the fees for EquiTrust annuities?

Fee structures vary by product. Optional income riders on EquiTrust products carry disclosed charges, for example MarketEarly Income Benefit Rider (MarketEarly Income Index): 1.25% annually ; MarketFuture Bonus Income Rider (MarketFuture Bonus Income Index): 1.25% annually ; Income For Life (MarketPower Bonus Index): 0.75% annually . See each product review for the full fee detail.

What is the surrender period for EquiTrust annuities?

Surrender periods on EquiTrust's current lineup run 3–14 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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