EquiTrust
An Arizona-domiciled life insurer and wholly owned Amistad Financial Group subsidiary, distributed through independent representatives and carrying an AM Best B++ (Good) rating across a broad fixed indexed and fixed-annuity shelf.
Financial strength
B++
AM Best
A-
S&P
AM Best B++ (Good)
EquiTrust carries a B++ (Good) Financial Strength Rating from AM Best. The grade is below the A-range categories and should be compared alongside contract fit.
Amistad subsidiary
S&P reports that Amistad Financial Group acquired EquiTrust in late 2025 and that the insurer is now its wholly owned direct subsidiary.
Arizona-domiciled issuer
EquiTrust Life Insurance Company is the Arizona-domiciled legal insurer and the entity responsible for its contract guarantees.
FIA product information
EquiTrust offers Bridge, SmartBoost, and Market-branded fixed indexed annuities for distinct accumulation, income, and care-planning goals.
Fixed-annuity information
Certainty Select and ChoiceFour serve fixed-annuity needs; ChoiceFour is an annual-reset fixed annuity, not a MYGA.
Run live numbers on EquiTrust products
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Income FIAs
Selected product: MarketEarly Income Index
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore EquiTrust products
Known EquiTrust product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Bridge
An accumulation-focused fixed indexed annuity with a recognizable S&P 500 cap alongside two volatility-controlled alternative indexes.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketEdge Bonus Index
A premium-bonus accumulation FIA on a ten-year ladder with a broad filing footprint (49 states plus DC, excludes New York) and an S&P 500 cap.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketFive Index
A short-surrender accumulation FIA on a five-year ladder with a recognizable S&P 500 cap and a broad filing footprint outside New York.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketPower Bonus Index
A premium-bonus accumulation FIA paying for its large upfront credit through a 14-year surrender schedule.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketSeven Index
A seven-year accumulation FIA with a recognizable S&P 500 cap, a broad filing footprint outside New York, and no premium-bonus complications.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketTen Bonus Index
A premium-bonus accumulation FIA on a ten-year ladder with a broad filing footprint (49 states plus DC, excludes New York) and an S&P 500 cap.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
MarketValue Index
A straightforward ten-year accumulation FIA with an S&P 500 cap and no premium-bonus or rider complications.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
SmartBoost Index Annuity
A focused ten-year accumulation FIA with an S&P 500 cap and a single volatility-controlled alternative index.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
Start with the job for the money, then compare the EquiTrust product families that match that goal.
Company overview
What EquiTrust is
EquiTrust Life Insurance Company is an Arizona-domiciled life insurer with a Chicago corporate headquarters and a West Des Moines administrative office. Its annuity products are distributed through independent sales representatives.
Checked 2026-07-15 · EquiTrust company history; Arizona DIFI
Amistad Financial Group acquired EquiTrust in late 2025, and S&P describes EquiTrust as a wholly owned direct Amistad subsidiary. EquiTrust remains the issuing insurance company; the parent is not the contract issuer.
Checked 2026-07-15 · Arizona DIFI; S&P Global Ratings
EquiTrust offers fixed indexed annuities and fixed-annuity choices. Current availability, crediting terms, guaranteed terms, and rider details come from CANNEX data delivered through AdvisorWorld.
Checked 2026-07-15 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Parent
Amistad Financial Group
Wholly owned direct subsidiary following the acquisition completed in late 2025.
Checked 2026-07-15 · Arizona DIFI; S&P Global Ratings
Product types
FIA and fixed annuity
Current product details keep indexed and fixed-annuity contract terms in their matching categories.
Checked 2026-07-15 · EquiTrust product catalog; CANNEX via AdvisorWorld
AM Best
B++ (Good)
B++ Financial Strength Rating, below the A-range categories.
Checked 2026-07-15 · AM Best; EquiTrust financial-strength page; live CANNEX rating feed
History highlights
EquiTrust began operating in the independent-insurance channel in 2003 as an FBL Financial Group subsidiary and introduced its Certainty annuity.
Checked 2026-07-15 · EquiTrust company history
Guggenheim Partners purchased EquiTrust in 2011; Magic Johnson Enterprises became controlling shareholder in 2015.
Checked 2026-07-15 · EquiTrust company history
EquiTrust redomiciled from Illinois to Arizona in 2022, and Amistad Financial Group completed its acquisition of the carrier in late 2025.
Checked 2026-07-15 · EquiTrust company history; Arizona DIFI; S&P Global Ratings
A current Amistad subsidiary with an older ownership story still online
EquiTrust began operating through the independent-insurance channel as an FBL Financial Group subsidiary, was purchased by Guggenheim Partners in 2011, and came under the control of Magic Johnson Enterprises in 2015.
Checked 2026-07-15 · EquiTrust company history
Arizona insurance regulators later approved an acquisition of control by Amistad Financial Group and related petitioners. S&P reports that the transaction closed in November 2025 and that EquiTrust is now a wholly owned direct Amistad subsidiary.
Checked 2026-07-15 · Arizona DIFI; S&P Global Ratings
EquiTrust's own About and Values pages still describe Magic Johnson Enterprises as the controlling shareholder, so that website language is historical rather than the best current ownership source. Contract guarantees remain obligations of EquiTrust Life Insurance Company as the legal issuer.
Checked 2026-07-15 · EquiTrust company site; Arizona DIFI; S&P Global Ratings
Financial strength
AM Best
B++
Good financial-strength rating. B++ sits below AM Best's A-range categories.
Checked 2026-07-15
AM Best; EquiTrust financial-strength page; live CANNEX rating feed
S&P
A-
Strong financial-strength rating with a negative outlook following S&P's post-acquisition review.
Checked 2026-07-15
What makes EquiTrust different
A broad indexed-annuity shelf
EquiTrust offers Bridge, SmartBoost, and several Market-branded FIAs with distinct contract designs for accumulation, income, and care-planning needs.
Checked 2026-07-15 · EquiTrust product catalog; CANNEX via AdvisorWorld
Bridge combines indexed accumulation and care planning
EquiTrust describes Bridge as a fixed indexed annuity paired with long-term-care coverage and a wellness program. The product page remains the source for current rider availability and contract detail.
Checked 2026-07-15 · EquiTrust company history; EquiTrust product materials
Distinct fixed-rate structures
Certainty Select is the multi-year guarantee family. ChoiceFour is a traditional fixed annuity whose initial rate is guaranteed for one contract year and may reset on later anniversaries, so the two should not be described as the same contract type.
Checked 2026-07-15 · EquiTrust Certainty Select and ChoiceFour product pages
Ownership requires a current-source check
The carrier website still presents the former Magic Johnson Enterprises ownership, while Arizona DIFI and S&P document the later Amistad acquisition. The profile follows the newer regulatory and rating-agency record.
Checked 2026-07-15 · EquiTrust company site; Arizona DIFI; S&P Global Ratings
About EquiTrust
EquiTrust Life Insurance Company is an Arizona-domiciled annuity and life insurer with a Chicago corporate headquarters and a West Des Moines administrative office. It distributes products through independent representatives.
Checked 2026-07-15 · EquiTrust company history; Arizona DIFI
The carrier is now a wholly owned direct subsidiary of Amistad Financial Group. EquiTrust itself remains the legal issuing insurer, and its current AM Best rating is B++ (Good).
Checked 2026-07-15 · Arizona DIFI; S&P Global Ratings; AM Best; live CANNEX rating feed
EquiTrust offers FIA and fixed-annuity choices. Current rates and rider terms differ by product, and an income-oriented name alone does not establish that a rider is included.
Checked 2026-07-15 · EquiTrust product catalog; CANNEX via AdvisorWorld
Free Comparison Report
Get EquiTrust's current rate report
Compare EquiTrust's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- EquiTrust corporate site — Checked 2026-07-15
- EquiTrust company history and locations — Checked 2026-07-15
- EquiTrust product catalog — Checked 2026-07-15
- EquiTrust financial-strength ratings — Checked 2026-07-15
- Arizona DIFI amended order approving the Amistad acquisition — Checked 2026-07-15
- S&P Global Ratings post-acquisition ownership and outlook update — Checked 2026-07-15
- AnnuityRatesHQ EquiTrust product lineup - current CANNEX data via AdvisorWorld — Checked 2026-07-15