ChoiceFour

Friendly and accommodating, the ChoiceFour annuity product can cater to various financial needs and horizons. This tax-deferred annuity not only offers competitive one-year renewable interest rates but allows you full control over your money and principal protection. Whether you're seeking future interest rate opportunities or simply need regular access to a portion of your money, ChoiceFour is designed to fit your unique lifestyle.

Beyond its financial flexibility, ChoiceFour ensures peace of mind, supported by EquiTrust's history of success, conservative investment strategies, and a diversified management style. The added bonus is the ability to make additional premium payments anytime during the first contract year, and a beneficial Nursing Home Waiver Rider. With ChoiceFour, retire with confidence knowing that your financial future is secure and tailored to your needs.

ChoiceFour

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About Product

Premium Type

Single Premium with Additional

Fee withdrawal:

Interest only

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP

Launch Date

11/11/2008

Traditional Fixed Annuity Interest Rates

Surrender Years	First Year Yield	Term Guaranteed Yield	Term Current Yield
9	4.5%	3.17%	4.5%

A single premium deferred fixed annuity featuring a one-year annual reset interest rate. Allows multiple premiums in the first year only. A base contract and the availability of two options plus a combination option provide a total of four contract variations:

Base Contract
MVA Option
Liquidity Option
MVA + Liquidity Option

Minimum/Maximum Premium

Minimum $10,000 NQ/Q
Maximum $2 Million

Free Withdrawals

ChoiceFour (Base Contract) and ChoiceFour (MVA) - Prior 12 months interest
ChoiceFour (Liquidity) and ChoiceFour (Liquidy + MVA) - Interest-only on 1st contract year, By Current Company Practice, 10% of Account Value years 2+

Death Benefit:
Upon the death of Owner, Accumulation Value.

Annuitization Benefit
On the Income Date, the Accumulation Value is applied to the payment option elected. The Income Date is the first contract anniversary after the Annuitant’s 100th birthday. By current company practice, the Accumulation Value is available for annuitization after the fifth year if a minimum payout of 5 years or life is elected.

Rates fluctuate each anniversary but never below 1%

Notes:
If the IRA owner dies on or after 1/1/20, the new SECURE Act rules apply.
Applicable beneficiaries now fall under two categories: Eligible and Ineligible Designated Beneficiaries.
Stretch IRA is available only to Eligible Designated Beneficiaries.
Inherited IRA is available to Ineligible Designated Beneficiaries – withdrawal or taxation of funds by 12/31 of the 10th year following the IRA owner’s death now applies to Ineligible Designated Beneficiaries.
TSP funds have to be transferred or rolled over into an IRA.

Year by Year Account Balance

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Investment Amount

Riders

No Riders for ChoiceFour annuity.

Waivers

Death

Upon death of first Owner, accumulation value. Surrender charges and MVA are waived.

Nursing Home

Unavailable in states: MA

Available through applicant age 80. After the first contract year, access to full Accumulation Value is available in the event of nursing home confinement of owner for 90 days. There is no charge for this rider. The nursing home waiver does not include home health care.