EquiTrust Life Insurance Company holds an A- (Excellent) rating from AM Best and manages over $23 billion in assets. Based in Des Moines, Iowa, EquiTrust specializes in fixed annuities and fixed index annuities for consumers seeking competitive guaranteed rates with solid financial backing. The company has deep roots in the Midwest insurance market and offers some of the most competitively structured bonus FIA products available to independent agents.
This review covers EquiTrust’s financial strength, annuity product lineup, and contact information.
EquiTrust at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | EquiTrust Life Insurance Company |
| Headquarters | West Des Moines, Iowa |
| Founded | 1935 |
| AM Best Rating | A- (Excellent) |
| Total Assets | $23+ billion |
| Products Offered | MYGAs (Certainty Select series), Fixed Index Annuities |
| States Available | 45+ states |
| Minimum Premium | $5,000 (varies by product) |
EquiTrust’s Financial Strength
EquiTrust carries an A- (Excellent) from AM Best, placing it within the “A-rated” category that most financial advisors and regulators consider the minimum threshold for conservative annuity buyers. With $23+ billion in total assets, EquiTrust is a mid-size carrier with substantial financial resources relative to its liability base.
EquiTrust is regulated by the Iowa Insurance Division — a state known for rigorous insurance regulatory standards. Iowa-domiciled carriers must maintain strict reserve requirements, adding a layer of protection beyond the national guaranty association system. Iowa’s Insurance Guaranty Association provides up to $250,000 per covered contract in the event of carrier insolvency.
What Types of Annuities Does EquiTrust Offer?
- Multi-Year Guaranteed Annuities (MYGAs) — Certainty Select Series: EquiTrust’s Certainty Select MYGA series offers guaranteed fixed rates for set terms. These contracts provide a locked-in rate from day one with no market exposure — suitable for buyers who want certainty over the entire holding period.
- Fixed Index Annuities (FIAs) — MarketTwelve Bonus Index and MarketPower Bonus Index: EquiTrust’s FIA lineup is built around bonus premium structures. The MarketTwelve Bonus Index FIA offers a premium bonus at issue, with index-linked growth tied to the S&P 500 and other benchmarks over a 12-year surrender period. The MarketPower Bonus Index provides a similar premium bonus structure with a shorter commitment. Both products include a zero-loss floor — your premium cannot decline due to negative index performance.
EquiTrust MYGA Rates
Current EquiTrust MYGA rates from our live rate feed:
Current MYGA Rates
Live rates from AnnuityRateWatch · Rates updated March 30, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Certainty Select 3
AM Best B++ |
3 Years | 4.8% | $10,000+ | Mar 10, 2026 | View Details → |
|
Certainty Select 5
AM Best B++ |
5 Years | 5.05% | $10,000+ | Mar 10, 2026 | View Details → |
|
Certainty Select 6
AM Best B++ |
6 Years | 5.15% | $10,000+ | Mar 10, 2026 | View Details → |
|
Certainty Select 8
AM Best B++ |
8 Years | 5.2% | $10,000+ | Mar 10, 2026 | View Details → |
|
Certainty Select 10
AM Best B++ |
10 Years | 5.3% | $10,000+ | Mar 10, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Who Is EquiTrust Best For?
- FIA buyers attracted to premium bonus structures: EquiTrust’s MarketTwelve Bonus Index is one of the more compelling bonus FIA designs for buyers who want immediate premium enhancement and are comfortable with a longer surrender period.
- MYGA buyers comparing A- carriers: EquiTrust’s Certainty Select rates are frequently competitive within the A- tier. Buyers who want strong guaranteed rates from an Iowa-regulated carrier will find EquiTrust worth including in their comparison.
- Buyers who understand the bonus trade-off: Premium bonus annuities often offset their upfront enhancement through lower cap rates or participation rates over time. EquiTrust’s products work best for buyers who plan to hold through the full surrender period and understand how bonuses interact with the overall contract mechanics.
EquiTrust Pros and Cons
Here is a balanced look at EquiTrust’s strengths and limitations for annuity buyers:
Pros
- Solid financial strength with an A-range AM Best rating
- Offers MYGA products with guaranteed rates and predictable returns
- Offers fixed index annuities with growth potential tied to market indexes and downside protection
- Available through independent agents, allowing side-by-side comparisons with other carriers
Cons
- Not the highest-rated carrier available, so buyers should weigh the rate vs. rating trade-off
- Product availability varies by state, so not all products may be offered where you live
- Surrender charges apply during the contract term, which limits liquidity
Frequently Asked Questions About EquiTrust
Is EquiTrust a safe company for annuities?
EquiTrust holds an A-range AM Best rating (A- (Excellent)), which indicates a strong ability to meet ongoing policyholder obligations. In addition, annuity contracts are backed by your state guaranty association, which provides a secondary layer of protection typically covering $250,000 per contract. Always verify both the current rating and your state’s coverage limits.
What types of annuities does EquiTrust offer?
EquiTrust offers MYGAs, fixed index annuities through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from EquiTrust and competing carriers.
How do I buy an annuity from EquiTrust?
EquiTrust annuities are sold through licensed insurance agents and financial advisors. My Annuity Store is an independent platform that can quote EquiTrust alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.
Contact EquiTrust
| Contact Method | Details |
|---|---|
| Website | www.equitrust.com |
| Customer Service | 1-866-598-3694 |
| Mailing Address | EquiTrust Life Insurance Company 7100 Westown Pkwy West Des Moines, IA 50266 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. CT |
Compare EquiTrust Against Other Carriers: My Annuity Store compares EquiTrust alongside Athene, North American, F&G, and 20+ other top-rated carriers. Get a free comparison quote or call 855-583-1104.
