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Annuities

More choices for your retirement strategy with ChoiceFour®

Traditional fixed annuity

Balance savings accumulation with access to your money

ChoiceFour is a fixed annuity that offers tax-deferred accumulation to help you grow your money without market risk. This flexible solution gives you choices — four contract variations that let you determine the balance of accumulation and access to your money that works for you.

ChoiceFour begins with either a single, lump-sum premium payment or multiple payments within the first contract year.

Why consider ChoiceFour?

ChoiceFour may be a good addition to your retirement strategy if you’re looking for:

  • A range of contract options to balance accumulation and liquidity
  • Predictable growth over a specified time period with an annual reset fixed interest rate
  • Tax-deferred earnings
  • Protection from market risk
  • Ability to avoid probate

With ChoiceFour, choice is built right into the name — and the product. ChoiceFour offers four contract variations to help you capture a unique balance between accumulation and liquidity.

Choose the option that fits your goals

ChoiceFour offers four ways to balance accumulation potential and liquidity. Each option provides different features, so you can select the approach that aligns with your priorities.

  • Base Contract

    Looking for steady growth from day one? Earn a fixed interest rate that resets annually, with access to interest earned within the past 12 months.

  • Market Value Adjustment Option

    Want an immediate advantage? Receive a 1.50% premium bonus on first-year premiums, with an MVA that may apply to certain withdrawals.

  • Liquidity Option

    Have a shorter time horizon before you need to start taking retirement income, or want more withdrawal flexibility? Get greater access to your money, including up to 10% of Accumulation Value each year after the first contract year without surrender charges or MVA.

  • MVA + Liquidity Option

    Interested in combining the benefits of the MVA Option and the Liquidity Option? Combine the 1.50% premium bonus with the greater withdrawal flexibility of the Liquidity Option.

Ready to talk about your financial needs and goals? 

Connect with EquiTrust

Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. ChoiceFour contract issued on Contract Form Series ET-SPA-2000(11-04) or ICC16-ET-SPA-2000(07-16).