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Annuities

Fixed annuities

Solutions to help clients grow and safeguard their assets

EquiTrust offers a range of fixed annuity solutions designed to help your clients meet their evolving needs with confidence. With our fixed annuity solutions, your clients can:

  • Enjoy a dependable foundation for retirement with guaranteed income they can’t outlive

  • Take advantage of competitive, steady growth

  • Build assets more efficiently with tax-deferred accumulation, while helping protect their assets from market volatility

  • Help preserve more for loved ones by reducing the tax burden passed on to them

Multi-year guaranteed annuity (MYGA)

Certainty Select®, our MYGA, is a simple, predictable solution to help your clients grow assets without market risk.

Single-premium immediate annuity (SPIA)

Confidence Income®, a single-premium immediate annuity, turns a lump-sum contribution into reliable income that can begin immediately.

Traditional fixed annuity

ChoiceFour®, a traditional fixed annuity, offers four contract options balancing liquidity and accumulation.

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In addition to these fixed annuities, EquiTrust offers a full line of fixed index annuities.

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Guarantees are based on the claims-paying ability of EquiTrust Life Insurance Company. Withdrawals before age 59½ may result in a 10% IRS penalty tax. Withdrawals do not participate in index growth. In the event of a full surrender, charges will apply to any penalty-free amounts taken during the same contract year.