Today’s Best EquiTrust Annuity Rates
| Term | Product | AM Best Rating | Rate |
|---|---|---|---|
| 6 Years | Certainty Select | B++ | 5.30 % |
| 8 Years | Certainty Select | B++ | 5.35 % |
| 10 Years | Certainty Select | B++ | 5.50 % |
EquiTrust
Key Company Metrics
AM Best Rating: B++ (Good)
Years in Business: 29 Years
Direct Premiums Sold: $7.0 billion
Product Availability: Accumulation and fixed annuities
Compare EquiTrust Annuity Rates
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| Product |
Rate
|
Guarantee Period
|
Surrender Period
|
AM Best Rating
|
|---|---|---|---|---|
Certainty Select |
5.00% | 3 Years | 3 Years | B++ |
|
Certainty Select |
5.50% | 10 Years | 10 Years | B++ |
|
Certainty Select |
5.35% | 8 Years | 8 Years | B++ |
|
Certainty Select |
5.25% | 5 Years | 5 Years | B++ |
|
Certainty Select |
5.30% | 6 Years | 6 Years | B++ |
Additional Products Offered by EquiTrust
EquiTrust offers 16 annuity products, divided into the categories of accumulation annuities and payout annuities.
There is a solid mix of options available, ranging from one-year rate annuities to index-linked annuities.
Accumulation Annuities
EquiTrust’s six different accumulation annuities can help you work towards different goals. While each type has its potential benefits and offerings, the accumulation annuities all offer the general benefits that are considered industry standard.
This includes security such as nursing home and terminal illness waivers, along with the ability to withdraw up to 10% of your contract value with no penalty after a year.
EquiTrust’s accumulation annuities include:
- MarketEdge Bonus Index
- MarketPower Bonus Index
- MarketTen Bonus Index
- MarketValue Index
- MarketSeven Index
- MarketFive Index
Some of these products can offer bonuses to customers. The MarketPower Bonus®, for example, offers access to different indexes along with a 10% premium bonus in the first year.
The MarketTen Bonus® annuity, on the other hand, advertises a 6% bonus on premiums paid in the first five years of the contract.
EquiTrust also sells more simplified products, such as the ChoiceFour® Annuity. This is a one-year renewable rate product paid with a single premium and an annual reset on your interest rate.
Fixed Annuities
EquiTrust offers several fixed annuities. The MarketEarly Income Index and MarketFuture Income Index are available to people between the ages of 45 and 80, with a flexible premium between $10,000 and $2 million.
The SmartBoost Index annuity is a single premium immediate annuity (SPIA), with a no-fee, built-in 40% enhancement that can boost your accumulation value. After the first year, you can withdraw 7% of the initial premium without surrender charges.
There’s also the Confidence Income® Annuity, which is essentially a single premium immediate annuity (SPIA), paid with a lump-sum premium and offering a handful of payout options. It includes a fixed period payout, single life or joint life payout.
Certainty Select is the company’s multi-year guaranteed annuity (MYGA), which is available up to age 90.
Lastly, EquiTrust has a traditional fixed annuity, called ChoiceFour. There are four options, which vary based on the premium bonus, interest rate, and withdrawal rules.
About EquiTrust
EquiTrust, which is based in Chicago, is a relatively newer entrant to the annuity market when compared to some legacy providers.
The company was founded in 2003 but has a surprisingly large market presence given its age. It exceeded $7 billion in annual annuity premiums sold in 2024.
Magic Johnson Enterprises became the controlling shareholder in 2015, and the company played a big role in Johnson becoming the fourth-ever athlete to become a billionaire in 2023.
Buy an Annuity From EquiTrust Today
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Credit Ratings
Credit ratings for annuity providers can help determine a company’s financial strength and stability — an indication that it will be around to guarantee payments to you in the future. Different rating companies use different scales.
EquiTrust Credit Ratings
| Rating Company | Credit Rating |
| AM Best | B++ |
| Fitch | A- |
| S&P | A- |
EquiTrust has mixed financial stability ratings. While the company has an A- rating from Fitch and S&P, it has a B++ rating from AM Best, which is considered “good.” Many of the top annuity providers have AM Best ratings of A or higher, which is considered “excellent.”
See which annuity providers our independent editorial team ranked as the Best Annuity Companies of 2025.
What Customers Are Saying About EquiTrust
EquiTrust is a harder company to get a read on as far as its customer satisfaction. It does not appear in the 2024 or 2025 versions of the J.D. Power U.S. Individual Annuity Study, which scores annuity providers based on overall customer satisfaction.
This does not mean that it doesn’t have strong customer satisfaction, but that it may not have been considered by J.D. Power.
The company’s NAIC Complaint Index Score of 0.21 means EquiTrust receives far fewer complaints for individual annuities than expected for its size. It also has few complaints for all policy types.
However, given the priority many annuity customers place on financial strength, the B++ rating from AM Best may be a concern.
One agent that Annuity.org spoke to when researching annuity providers said that they avoid working with providers that have a rating of B++ or lower.
The National Association of Insurance Commissioners (NAIC) tracks consumer complaints that each state’s insurance commission receives each year. These are used to compile a company’s NAIC Complaint Index.NAIC Complaint IndexDetermined by dividing the company’s share of complaints in the U.S. market by the company’s share of premiums in the U.S. market. The National Complaint Index is always 1.00, so a score of 2.00, for example, is twice as high as expected in the market.
NAIC Complaint Index for EquiTrust
| All Policy Types | 0.02 |
| Individual Annuities Only | 0.21 |
EquiTrust Pros & Cons
One of the pros to opting for EquiTrust is that it offers a solid diversity of options, especially when it comes to accumulation products.
Whether you are looking for a simple set rate, something linked to an index or a more complex product, EquiTrust will likely have something to fit your needs.
The company also offers a good amount of information about its annuities online. You can easily compare products and learn more about the specific features of each annuity.
As far as cons, one major drawback is the company’s AM Best Financial Strength Rating. It should be noted that B++ is not a bad or alarming rating, but it is below many of EquiTrust’s competitors in the annuity space. This could be something that may off-put customers who care about financial strength and stability.
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