ChoiceFour (Liquidity)
EquiTrust Life Insurance Company
4.75%
1-yr guarantee · $10,000+ premium
10%
Free W/D
50
Available jurisdictions
Rates as of August 26, 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 26, 2026, from AdvisorWorld and CANNEX.
1-year guaranteed rate
4.75% guaranteed for 1 years
Current guaranteed terms are shown from live rate records. Surrender details are omitted because an exact contract schedule is not linked in the current data.
Best fit
Buyers comparing the currently published guarantee terms who will confirm the applicable surrender schedule before purchase.
Available guarantee terms
1 year
AM Best
B++ Good
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 1-Year | Not available | Jul 16, 2026 | 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
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.