This traditional fixed annuity offers your clients some highly competitive features!

First, what is it?
Single-premium tax-deferred annuity featuring an annual-reset interest rate.

What does it pay?
If the Liquidity Option (6 years) is selected, the current first-year rate is 2.35%

Is there a premium bonus?
Yes! If the MVA Option is selected, a 1.50% premium bonus is added
to premiums.

Is EquiTrust committed to strong renewal rates?
Yes! For a 6-year contract issued in 7/2010, the initial and renewal rates were:


Are free withdrawals available?

Yes! After the first year, up to 10% of the Accumulation Value is available without MVA or surrender charges.

What happens at the end of 6 years?
The contract is fully liquid and continues earning tax-deferred interest; no surrender charges. The renewal rates continue...and will never go below 2%.

What is the agent commission?
The MGA commission is 5.50% for issue-ages 80 and under; 4.125% for issue-ages 81-85.

How do I learn more?
Click the links below for:
Agent Guide
Client Brochure
Personalized Illustrations
Client-Use Flyer
Print Ad

Questions? Send an email to EquiTrust Sales Support, call 866-598-3694, or visit our website at

Rates subject to change. Surrender of the contract may be subject to surrender charge and market value adjustment. Withdrawals before age 59 1/2 may result in a 10% IRS penalty tax. Product features and riders may vary by state. Product not available in all states. Guarantees subject to the claims-paying ability of EquiTrust Life Insurance Company. Contract issued on Contract Form Series ET-SPA-2000(11-04). EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. IC17-ECN-1003