ChoiceFour (Liquidity)
EquiTrust Life Insurance Company
4.75%
1-yr guarantee
10%
Free W/D
50
Available jurisdictions
Product analyzer
Run live numbers for ChoiceFour (Liquidity)
Current 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 July 17, 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.
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 | Guaranteed Rate |
|---|---|
| 1-Year | 4.75% |
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
Yr 1
12%
Yr 2
11%
Yr 3
10%
Yr 4
9%
Yr 5
8%
Yr 6
7%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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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.