ChoiceFour (Liquidity + MVA)
EquiTrust Life Insurance Company
6.3213%
1-yr effective annual yield · 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 + MVA)
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
6.32% effective annual rate over the 1-year term
The shorter-surrender ChoiceFour Liquidity filing with a one-year rate guarantee, health-event waivers, and an MVA on applicable early exits.
Best fit
Buyers who prefer ChoiceFour's shorter liquidity-focused surrender structure and can accept both annual rate resets and MVA exposure.
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 and includes an annual free-withdrawal allowance.
- Nursing-home and terminal-illness waivers provide additional access for qualifying events.
What to confirm
- The credited rate is guaranteed for one year rather than for the full surrender schedule, so buyers carry renewal-rate risk.
- This liquidity-focused filing still applies a market value adjustment to applicable early withdrawals; the no-MVA Liquidity filing is the cleaner comparison for buyers prioritizing exit certainty.
Not ideal for
Buyers who want a multi-year rate lock or who need the Liquidity Option without a market value adjustment.
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Guaranteed Rates by Term
| Term | Surrender term | Published rate |
|---|---|---|
| 1-Year | 6-Year schedule | 6.3213%Effective annual rate · full term6.3213% first year · 4.75% renewal |
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
Get a ChoiceFour (Liquidity + MVA) rate report
See how ChoiceFour (Liquidity + MVA) compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company MYGA options.