Equitrust Life Insurance Company is a company that provides annuities and life insurance policies to their clients. It was established in 1998 and is headquartered in West Des Moines, Iowa. They are known for their secure and stable financial position, great customer service, and innovative insurance products.
Products Offered by Equitrust Life Insurance Company
Equitrust Life Insurance Company provides different types of insurance policies and annuities to suit the needs of their clients. Here are some of the products they offer:
Fixed Indexed Annuities
Fixed Indexed Annuities offered by Equitrust Life Insurance Company provide clients with principal protection and growth potential. These annuities provide guarantees against loss of principal and offer the potential for index-linked interest, which is interest based on the performance of an index like the S&P 500. These annuities are a great option for individuals looking for a safe and stable way to grow their money.
Variable Annuities
Variable Annuities offered by Equitrust Life Insurance Company provide clients with the potential for high returns by investing in different subaccounts. These subaccounts invest in mutual funds, stocks, and bonds and offer varying degrees of risk and reward. Variable annuities are a great option for individuals looking for a way to grow their money through market investments.
Term Life Insurance
Term Life Insurance offered by Equitrust Life Insurance Company provides clients with temporary life insurance coverage. The coverage is typically for a period of 10, 15, 20, or 30 years and provides death benefit protection during the term of coverage. Term life insurance is a great option for individuals looking for temporary coverage while they build up their savings.
Indexed Universal Life Insurance
Indexed Universal Life Insurance offered by Equitrust Life Insurance Company provides clients with permanent life insurance coverage and the potential for a cash value accumulation. The cash value accumulation is linked to an index like the S&P 500 and offers the potential for tax-deferred growth. Indexed universal life insurance is a great option for individuals looking for permanent coverage with the potential for cash value accumulation.
Financial Strength Ratings
Equitrust Life Insurance Company is known for their secure and stable financial position. They have been rated by independent rating agencies, such as A.M. Best, and have consistently received high ratings.
Rating Agency |
Rating |
A.M. Best |
A- |
Standard & Poor’s |
A- |
Fitch Ratings |
A- |
FAQ
What is the minimum age to purchase Equitrust Life Insurance policies?
The minimum age to purchase Equitrust Life Insurance policies is 18 years old.
What is the maximum age to purchase Equitrust Life Insurance policies?
The maximum age to purchase Equitrust Life Insurance policies varies by policy type. Please contact an Equitrust Life Insurance agent for more information.
What is the maximum coverage amount for Equitrust Life Insurance policies?
The maximum coverage amount for Equitrust Life Insurance policies varies by policy type. Please contact an Equitrust Life Insurance agent for more information.
What is the surrender charge for Equitrust Life Insurance policies?
The surrender charge for Equitrust Life Insurance policies varies by policy type and length of coverage. Please refer to your policy documents or contact an Equitrust Life Insurance agent for more information.
Can I change my beneficiary on my Equitrust Life Insurance policy?
Yes, you can change your beneficiary on your Equitrust Life Insurance policy at any time. Please contact an Equitrust Life Insurance agent for more information on how to make changes to your policy.
What happens if I cancel my Equitrust Life Insurance policy?
If you cancel your Equitrust Life Insurance policy, you may be subject to surrender charges and may lose some or all of the money you have paid into the policy. Please refer to your policy documents or contact an Equitrust Life Insurance agent for more information.
Conclusion
Equitrust Life Insurance Company is a reputable company that offers a variety of insurance policies and annuities to suit the needs of their clients. They are known for their secure and stable financial position, great customer service, and innovative insurance products. Whether you are looking for temporary or permanent coverage, or a safe and stable way to grow your money, Equitrust Life Insurance Company has a policy that can meet your needs.
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