| $100,000 premium | ||
| Payment schedule | New monthly payment | Previous monthly payment |
| 5-year fixed period | $1,828.90 | No change |
| 10-year fixed period | $1,052.74 | No change |
| 15-year fixed period | $797.78 | No change |
| 20-year fixed period | $675.53 | No change |
| Life only – Male 65 | $661.11 | $684.78 |
| Life only – Female 65 | $611.02 | $634.39 |
| Joint life – M65 / F65 | $545.84 | $568.64 |
View the updated Interest Rate Summary with July 1, 2026 rates.
Transition rules
To receive the current rates, applications must be received by EquiTrust via mail, fax, E-Application or Upload a Doc no later than 5:00 p.m. Central time, Tuesday, June 30, 2026 (the day before the new rates are effective). Applications are not accepted via email.
Rate hold
If the initial premium is not received with the application but is received within 60 calendar days, the contract will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.
Questions?
Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com, or complete the form below.Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
