EquiTrust review

Annuity Atlas has published 17 editorial reviews of EquiTrust products. Average peer-group rating 3.7 / 5, top-rated product earns 4.0 / 5. Browse the full lineup below.

Our rating

3.7

Avg ★ / 5

Products reviewed17

A.M. BestB++

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Reviews published

Average rating

★ 3.7 / 5

A.M. Best

B++

Categories covered

Income · MYGA · FIA

17 EquiTrust annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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	★ 4.0	Yes 1.25% annually of Accumulation Value, deducted proportionately from each crediting account fee	8%	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 →
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 →
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	★ 3.8	Yes 1.25% annually of Accumulation Value, deducted on each contract anniversary proportionately from each crediting account 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	★ 3.8	—	23% total over three years: an 11% premium bonus on all premium credited at issue (year 1, per ARW, effective 7/1/2025), plus a 4% Accumulation Value bonus on each of the 1st, 2nd, and 3rd contract anniversaries (per carrier brochure).	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	★ 3.8	—	11.00% (per Wink product profile, rates effective 3/10/2026; the 03-25-dated consumer brochure and agent guide both cite an 8% bonus — carrier appears to have raised the bonus rate since that printing)	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	★ 3.8	—	—	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	★ 3.8	—	—	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	MYGA	10yr	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 →
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 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 →
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	★ 3.7	—	—	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	★ 3.7	—	—	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++	—	1.50%	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	★ 3.3	—	12% per EquiTrust Consumer Brochure and Agent Guide (both dated 03-25, form ET-MPB-BR-1100/1102). Note: the Wink product-profile snapshot (dated 3/10/2026) lists 15% for this same product — likely a stale/incorrect Wink entry or a since-changed rate; the two matching primary carrier documents (12%) were treated as authoritative per source-conflict rule.	Review →
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 →

What you could receive

Live projection for MarketEarly Income with MarketEarly Income Benefit Rider — single life, issue age 62, income beginning at 67. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

Premium	Monthly	Annual
$250,000	$2,384	$28,612
$500,000	$4,769	$57,224
$1,000,000	$9,537	$114,448

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?

EquiTrust earns an average rating of 3.7/5 across the 17 products we've reviewed, and A.M. Best rates the carrier B++ for financial strength.

How much income can I get from a EquiTrust annuity?

Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at 67 — EquiTrust's highest-paying income product (MarketEarly Income) currently projects about $57,224 per year on a $500,000 premium, or $28,612 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.

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.

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