6.8288%
1-yr guarantee
10%
Free W/D
50
Available jurisdictions
Product analyzer
Run live numbers for ChoiceFour (MVA)
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
6.83% guaranteed for 1 years
The MVA version of ChoiceFour's standard chassis, with a one-year rate guarantee, a longer surrender schedule, and health-event waivers.
Best fit
Buyers who expect to hold through the standard ChoiceFour surrender period and are comfortable with annual rate resets and MVA exposure.
AM Best
B++ Good
Surrender period
9 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 contract includes annual free withdrawals plus nursing-home and terminal-illness waivers for qualifying access needs.
- Its contract structure is straightforward: the standard ChoiceFour surrender chassis with an MVA and no separate liquidity rider.
What to confirm
- The credited rate is guaranteed for one year, while surrender charges continue longer; later renewal rates can change.
- Applicable early withdrawals can face a market value adjustment as well as surrender charges, and this contract does not include the shorter Liquidity Option structure.
Not ideal for
Buyers seeking the shorter Liquidity filing, a no-MVA exit structure, or a rate lock matching the full surrender term.
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Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 1-Year | 6.8288% |
Key Features
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%
Yr 7
6%
Yr 8
4%
Yr 9
2%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a ChoiceFour (MVA) rate report
See how ChoiceFour (MVA) compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company MYGA options.