Rate increase effective July 16, 2026
EquiTrust is increasing rates July 16, 2026 on Certainty Select®, ChoiceFour® and Confidence Income®.
View the updated Interest Rate Summary with July 16, 2026 rates.
Certainty Select
Certainty Select crediting rates
| Guaranteed period | New rate | Previous rate |
| 3-year | 5.15% | 5.00% |
| 5-year | 5.40% | 5.20% |
| 6-year | 5.45% | 5.30% |
| 8-year | 5.50% | 5.40% |
| 10-year | 5.55% | 5.50% |
ChoiceFour
ChoiceFour crediting rates
| Annuity option | New rate | Previous rate |
| Base contract | 5.25% | 5.00% |
| MVA | 5.25% | 5.00% |
| Liquidity | 4.75% | 4.50% |
| Liquidity + MVA | 4.75% | 4.50% |
Confidence Income
Confidence Income crediting rates
Monthly guaranteed payment on $100,000 premium
| Guaranteed period | New payment | Previous payment |
| 5-year fixed period | $1,839.40 | $1,828.90 |
| 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 | No change |
| Life only – Female 65 | $611.02 | No change |
| Joint life – M65/F65 | $545.84 | No change |
Questions?
Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com, or complete the form below.Certainty Select contract issued on Contract Form Series ET-MYG-2000(06-09) or ICC13-ET-MYG-2000(07-13). ChoiceFour contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16). Confidence Income contract issued on Contract Form Series ET-SPIA(08-06). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
