EquiTrust Life Insurance Company
Choicefour With Mva
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
Fixed
Surrender
9 years
Top yield
2.86%
A.M. Best
B++
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| Fixed Annuity Account | Fixed | 5.00% | — | — | 2.86% |
Surrender Schedule
Yr 1
12%
Yr 2
11%
Yr 3
10%
Yr 4
9%
Yr 5
8%
Yr 6
7%
Yr 7
6%
Yr 8
4%
Yr 9
2%
Product Specifications
- Minimum premium (non-qualified)
- $10,000
- Minimum premium (qualified)
- $10,000
- Maximum issue age
- 85
- Free withdrawal
- Interest Only
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 50 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.