CHOICEFOUR® SALES KIT

Everything you need to learn about and sell our fixed-rate annual reset annuity with highly competitive first-year rates, strong renewal rates, premium bonus option, free withdrawals and competitive commission.

contract

Contract options

renewable

Standout renewal rates

Compare

ChoiceFour vs.
CD comparison

brochures-and-flyers

Client brochure and flyers

CONTRACT OPTIONS

It starts with these standard product specifications:

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First-year-only premium
Minimum: $10,000 NQ/Q;
Maximum: $2,000,0001

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Issue ages:
0-85

Health-green

Nursing Home Waiver2 and Terminal Illness Rider included

From there, your clients are empowered to handpick the contract option that aligns with their financial goals.

  CONTRACT OPTIONS
  Base MVA* Liquidity MVA* + Liquidity
Premium bonus - 1.50% - 1.50%
Current rate 4.75% 4.75% 4.25% 4.25%
MVA* - Yes - Yes
Surrender chargers 9 years3 9 years3 6 years3 6 years3
Free withdrawals Last 12 months interest Last 12 months interest Interest only in year 14; 10% of AV** years 2+ Interest only in year 14; 10% of AV** years 2+

Rates as of 5/20/25
*MVA = Market Value Adjustment.   ** Accumulation Value

STANDOUT RENEWAL RATES

Rate change relative to initial rate
ChoiceFour 6-year contracts issued since 20145

Pie graph showing ChoiceFour renewal rates for 6-year contracts issued since 2014. 88.2% renewed equal to the initial rate and 10% renewed higher than the initial rate.
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CHOICEFOUR VS. CD COMPARISON6

6-year ChoiceFour vs. 5-year max and average CD rates

Line graph comparing ChoiceFour's performance since February 2023 compared to CDs. ChoiceFour outperforms the national average CD rate while remaining competitive with the average of the top 3 CDs

CLIENT BROCHURE AND FLYERS

ChoiceFour-brochure

ChoiceFour product brochure
Walk through the basics of the product and help clients understand how it works.

Download brochure
ChoiceFour-client-flyer

Customizable flyer
Share the advantages of the product and easily add your contact information. 

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ChoiceFour-renewal-rates-flyer

Renewal rates flyer
Show clients how ChoiceFour's strong renewal rates will help keep their retirement plans on track.

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QUESTIONS?
Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com, or complete the form below.

1 Maximum cumulative premium for all products is $2,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval.

2 Available through age 80

3 May vary by state

4 By current company practice

6 1/1/2014 – 1/31/2025

6 Annuities are not deposits nor are they guaranteed by any bank. They are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the federal government.

Contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16). Riders issued on Form Series ICC18-430-NHW(06-18) or 430-NHW(08-03); and ICC16-ET-TI(10-16) or ET-TI(10-16). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

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