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Product Details
ChoiceFour (Liquidity Option)
Company social profile:
Product Name
ChoiceFour (Liquidity Option)
Annuity Type
FA
Issuing Insurance Company and Ratings
EquiTrust Life Insurance Company
Ratings
Product Information
The EquiTrust Life Insurance Company’s ChoiceFour (Liquidity Option) is a Single Premium, Multi Year Guaranteed Annuity with a 1 Year interest rate guarantee and a 6 Year surrender charge period.
Key Features
Premium Types: 1st Year or Less
Minimum Premium: 10,000
Maximum Premium: 2,000,000
Free Look Period: 15 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, SEP IRA, IRA-Roth, IRA-Simple, IRA Transfer, IRA Rollover, Inherited IRA
Rates
Effective Date: 10/03/2026
Initial Guarantee Period: 1 Year
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 2,000,000
Current
1 Year Guarantee Period Annual Yield:
4.5%
Interest rate start of year 1 through end of year 1:
4.5%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Subsequent premium(s) will be allowed in the first Contract Year only. All subsequent Premium(s) will be credited interest at the same rate as the single premium. Above $2M: require Home Office approval.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
AK CA CT ID IN MA MD MN MT NJ NV OH OK OR PA TX UT VT WA
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: 10%
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 85
Premium Limits: Subsequent premium(s) will be allowed in the first Contract Year only. All subsequent Premium(s) will be credited interest at the same rate as the single premium. Above $2M: require Home Office approval.
State Restrictions: Not available in GU NY PR VI
