A.M. Best B++ rated · 11 products

EquiTrust Life Insurance Company Annuities

EquiTrust Life Insurance Company is an A.M. Best B++-rated annuity carrier. The current lineup includes 11 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

B++

A.M. Best

Annuity products

11 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 10 FIA product pages, 1 MYGA product page
Product families: Bridge, Certainty Select, MarketEarly Income Index, MarketEdge Bonus Index, MarketFive Index, MarketFuture Bonus Income Index, MarketPower Bonus Index, MarketSeven Index, plus 3 more
Product types: FIA, MYGA

Financial Strength

A.M. Best B++

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

Loading current rates, rider rows, index choices, and contract terms.

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Carrier Profile

About EquiTrust Life Insurance Company

EquiTrust Life Insurance Company is a life insurance carrier focused on retirement products, including fixed indexed annuities and multi-year guaranteed annuities. Its AnnuityRatesHQ product pages include Bridge, the Market-branded accumulation FIA lineup, SmartBoost Index Annuity, and Certainty Select MYGA, with product-level rates and state availability sourced from AdvisorWorld/CANNEX.

Financial Strength In Plain English

A.M. Best’s B++ (Good) rating is the financial-strength tier shown in the live product feed for EquiTrust Life Insurance Company products. That places the carrier below the A-range insurers in the market, so buyers should compare the rating alongside each product’s rate, surrender schedule, liquidity provisions, and state availability.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

FIAAccumulationA001VU

Bridge

An accumulation-focused fixed indexed annuity with a recognizable S&P 500 cap alongside two volatility-controlled alternative indexes.

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MYGASafetyA001NF

Certainty Select

An EquiTrust MYGA filed across 49 states plus DC (excludes New York), offering an unusually wide menu of 3-, 5-, 6-, 8-, and 10-year guaranteed terms on a 10-year surrender ladder, with nursing-home and terminal-illness surrender-charge waivers and a multi-agency carrier financial-strength view.

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FIAAccumulationA002LF

MarketEarly Income Index

An accumulation FIA marketed under an 'Income' badge but, on the live feed, configured as a pure accumulation contract with no income rider.

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Features

Index options, riders, and term choices pulled into one quick scan.