What You Need to Know Before Buying
Company Background and Reliability
- Founded: 1996
- Years in Business: 29 years (as of 2026)
- Headquarters: West Des Moines, Iowa
- Company Overview: EquiTrust was originally founded by FBL Financial Group and later acquired by Guggenheim Partners in 2011. Today, it is an established provider of fixed annuities and fixed indexed annuities, with strong distribution nationwide.
- Why It Matters: Nearly three decades in business have given EquiTrust a steady presence in the retirement marketplace. Its ownership and investment backing provide stability, though its ratings place it below some of the industry’s top-tier carriers.
Financial Strength and Ratings (2026)
- A.M. Best: B++ (Good)
- S&P: BBB+
- Moody’s: Not Rated
- Fitch: Not Rated
- KBRA: Not Rated
- Comdex Score: 52
- Why It Matters: EquiTrust’s ratings are considered adequate but below the strongest insurers. While financially stable, its lower Comdex ranking places it in the middle tier compared to higher-rated competitors.
Fixed Annuity Interest Rates
EquiTrust often features unique product structures; comparing their liquidity and rate combinations with the best fixed annuity rates on the market ensures you find the right fit.
Fixed Income Payout Rates
These are the highest fixed income payout rates for November 2026 among all annuity companies. Since lifetime income payouts vary significantly from one company to another, you’ll want to compare EquiTrust’s payout options with other insurers to make sure you’re getting the highest guaranteed income for life. The same deposit amount can generate very different results depending on the company chosen.
How to Compare EquiTrust with Other Companies
- Ratings Matter: While EquiTrust offers competitive products, its ratings are lower than top-tier carriers. Always weigh safety alongside rates.
- Liquidity Features: Check surrender schedules and penalty-free withdrawal provisions before committing.
- Product Design: EquiTrust often offers creative fixed indexed annuity structures, but these should be compared to traditional index strategies offered by larger carriers.
- Independent Review: Place EquiTrust’s offers side by side with companies rated “A” or higher to make an informed decision.
Why Use an Independent Annuity Broker
- EquiTrust only shows its own products if you contact them directly.
- An independent broker can compare EquiTrust with dozens of top-rated insurers.
- Brokers help avoid products with hidden trade-offs, ensuring the best fit for your goals.
- Working with a broker costs you nothing—the insurance companies pay commissions.
Application Process (Step-by-Step)
- Get a Quote: Review EquiTrust rates side by side with other carriers.
- Select a Product: Choose between growth-focused or income-focused annuities.
- Submit an Application: Provide financial and beneficiary information.
- Funding Options: Use non-qualified funds, IRAs, Roth IRAs, or 401(k) rollovers.
- Contract Issuance: Once funded, your annuity starts accumulating interest or generating income.
Other Insurance to Consider
- Life Insurance: Protects loved ones and can restore lost funds if you annuitize.
- Long-Term Care Insurance: Covers nursing home or in-home care costs.
- Disability Insurance: Secures income for working individuals before retirement.
Final Advice
EquiTrust offers competitive fixed annuities and income options; however, its financial strength ratings are lower than those of top-tier carriers. Always compare EquiTrust’s rates with those of A-rated insurers to balance growth potential with long-term safety.
Why Choose The Annuity Expert
- Our service is free of charge, with no obligation.
- Access the largest selection of annuity products in the United States.
- Advisors guide you through every step for a stress-free experience.
Contact The Annuity Expert today for free quotes. We’ll help you find the highest fixed annuity interest rates to grow your savings or the strongest guaranteed income payouts for retirement.
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