ChoiceFour (Liquidity)
EquiTrust Life Insurance Company
4.75%
1-yr guarantee · 6-yr surrender schedule · $10,000+ premium
10%
Free W/D
50
Available jurisdictions
Rates as of August 6, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for ChoiceFour (Liquidity)
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this EquiTrust Life Insurance Company product.
Live product data
Rates as of August 6, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
4.75% guaranteed for 1 years
The no-MVA ChoiceFour Liquidity filing, pairing a shorter surrender schedule with a one-year rate guarantee and defined health-event waivers.
Best fit
Buyers who value a shorter ChoiceFour surrender structure and no MVA, and who can accept annual renewal-rate decisions.
Available guarantee terms
1 year
AM Best
B++ Good
Surrender period
6 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- The Liquidity Option filing uses a shorter surrender schedule than the base ChoiceFour contract.
- This version avoids a market value adjustment while retaining annual free withdrawals plus nursing-home and terminal-illness waivers.
What to confirm
- The current credited rate is guaranteed for one year and can reset at renewal while surrender charges remain in force.
- Withdrawals beyond the contract's allowed amount can still face surrender charges even though this contract has no MVA.
Not ideal for
Buyers seeking a rate guaranteed throughout the full surrender schedule or unrestricted access to principal.
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Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 1-Year | 6-Year schedule | 4.75%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
6-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6.5%
Yr 5
5.5%
Yr 6
4.5%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how ChoiceFour (Liquidity) compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company MYGA options.