EquiTrust Life Insurance Company Ratings & Review (2024) (2024)

EquiTrust Life Insurance Company was founded in 1966 and offers competitive annuity solutions for those who are approaching or already in retirement. EquiTrust was recognized among the “Wards 50” of top life and health insurance companies for the seventh consecutive year in 2022,

A.M. Best

Standard & Poor's

Comdex

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Compare EquiTrust Annuity Rates to other top annuity companies.

Fixed Annuities
An annuity is categorized as “fixed” by the fact that the contract value does not change with outside factors, such as the stock market or bond market. By contrast, a “variable” annuity’s value does fluctuate with changes in the markets.

Accumulation Fixed Annuities
Individuals seeking long-term conservative growth with the advantage of tax deferral fit the typical profile of accumulation-annuity buyers. They seek an attractive rate of return but do not wish to expose their money to value fluctuations associated with traditional equity or debt instruments (stocks, bonds, mutual funds, etc.).

Accumulation annuities vary by the way in which interest credits are applied. Interest credits may be based on a one-year renewable fixed rate, a multi-year rate that applies for several years, or on the positive results of a market index, such as the S&P 500® Index.

Accumulation annuities are differentiated by a variety of attributes, including the ability to add premium after the initial purchase, maximum issues ages, minimum premium amounts, crediting options, length of surrender-charge schedules, premium bonuses, withdrawal options, and a variety of riders.