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EquiTrust Life Insurance Company Ratings & Review

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    EquiTrust Life Insurance Company Review

    EquiTrust Life Insurance Company was founded in 1966 and offers competitive annuity solutions for those who are approaching or already in retirement. EquiTrust was recognized among the “Wards 50” of top life and health insurance companies for the seventh consecutive year in 2022,

    Financial Ratings

    A.M. Best
    B++ (5th of 15 ratings)
    Standard & Poor's
    BBB+ (8th of 20 ratings)
    39 (percentile of rated companies)

    Assets & Liabilities

    Assets: $25,286,122,881

    Liabilities: $23,538,766,661

    Capital and Surplus: $1,747,356,219

    Assets to Liability Ratio: 107.42%

    The ratings reflect current independent opinions of the Company’s financial capacity to meet the obligations of its contracts. They are based on quantitative and qualitative evaluations of EquiTrust and its management strategy.

    EquiTrust Annuities

    Compare EquiTrust Annuity Rates to other top annuity companies.


    Fixed Annuities
    An annuity is categorized as “fixed” by the fact that the contract value does not change with outside factors, such as the stock market or bond market. By contrast, a “variable” annuity’s value does fluctuate with changes in the markets.

    Accumulation Fixed Annuities
    Individuals seeking long-term conservative growth with the advantage of tax deferral fit the typical profile of accumulation-annuity buyers. They seek an attractive rate of return but do not wish to expose their money to value fluctuations associated with traditional equity or debt instruments (stocks, bonds, mutual funds, etc.).

    Accumulation annuities vary by the way in which interest credits are applied. Interest credits may be based on a one-year renewable fixed rate, a multi-year rate that applies for several years, or on the positive results of a market index, such as the S&P 500® Index.

    Accumulation annuities are differentiated by a variety of attributes, including the ability to add premium after the initial purchase, maximum issues ages, minimum premium amounts, crediting options, length of surrender-charge schedules, premium bonuses, withdrawal options, and a variety of riders.

    Company Profile

    Group Affiliation: None
    State of Domicile: Illinois
    NAIC Company Code: 62510
    Year Founded: 1966


    7100 Westown Parkway, Suite 200
    West Des Moines, IA 50266

    Frequently Asked Questions

    EquiTrust has been recognized among the “Wards 50” of top life and health insurance companies for eight consecutive years. Based on their capital and solvency ratio Equitrust has also earned high ratings from insurance rating agencies.

    Magic Johnson Enterprises – comprised of multiple business entities and partnerships – acquired a controlling interest in EquiTrust in 2015.

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