Is EquiTrust a Good Insurance Company?
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help retirees and pre-retirees evaluate annuity providers for safety, income potential, and long-term reliability. If you’re asking, “Is EquiTrust a good insurance company?” the answer for many retirement savers is yes—EquiTrust is recognized for competitive fixed indexed annuities, strong crediting strategies, and guaranteed income solutions.
About EquiTrust
EquiTrust Life Insurance Company offers a wide range of annuity products designed to help protect savings, grow assets, and provide reliable lifetime income. Known for flexible product designs and competitive interest rates, they are a popular choice among retirees seeking stability and growth without full market exposure.
Popular EquiTrust Annuity Products
- MarketValue Index (MVi) Annuities – Fixed indexed annuities offering multiple index crediting strategies and strong growth potential with downside protection.
- WealthMax Bonus Annuities – Designed for upfront growth with a first-year premium bonus, providing a head start on accumulation.
- Bridge Annuities – Income-focused solutions that can help bridge the gap until Social Security or pension benefits begin.
- Certainty Select MYGA – Multi-year guaranteed annuities offering predictable interest rates for a set term.
Who Is EquiTrust a Good Fit For?
EquiTrust annuities are a good fit for retirees and pre-retirees looking for:
- Guaranteed income they cannot outlive
- Protection against market downturns
- Flexible crediting strategies for growth
- Upfront premium bonuses to boost account value
- Options to roll over retirement accounts (IRA, 401(k), etc.)
Check Your Guaranteed Lifetime Income
Curious how much guaranteed income you could receive from an EquiTrust annuity? Use our Lifetime Income Calculator below to get instant, personalized results.
Why Work With Diversified Insurance Brokers?
We are independent advisors representing over 100 top-rated carriers, including EquiTrust. Our role is to match you with the best annuity for your goals, whether you want income now, income later, or safe growth. We take the time to compare rates, riders, and features so you get the highest value for your retirement savings.
Request Your EquiTrust Annuity Quote
See current EquiTrust annuity rates and income options. Compare plans to find the right fit for your retirement strategy.
FAQs: Is EquiTrust a Good Insurance / Annuity Company?
What are EquiTrust’s financial strength ratings?
EquiTrust is rated B++ (Good) by A.M. Best, and A- (Strong) by Fitch and S&P. The latest outlooks are stable.
Where is EquiTrust licensed and what products do they offer?
EquiTrust is licensed in 49 states + DC and offers life insurance and a variety of annuity products including fixed annuities, multi-year guaranteed annuities (MYGAs), fixed indexed annuities, and other accumulation annuity contracts.
How is their customer satisfaction / complaint record?
They have had complaints noted with consumer groups—often about delays, rate discrepancies, paperwork, and customer service responsiveness. That said, complaint rates appear relatively low in proportion to their size.
What are some of the strengths of EquiTrust?
Strengths include competitive product offerings, solid financial ratings from multiple agencies, a sizable invested asset base, industry recognition for performance, and portfolios heavily weighted toward investment-grade holdings.
What are potential weaknesses or things to watch out for?
Potential drawbacks include some customer complaints over delays or service issues, a less modern digital experience, surrender charge or rate terms that may not always be favorable, and an A.M. Best rating (B++) that is good but below many top competitors.
Is EquiTrust appropriate for someone seeking guaranteed income?
Yes — if you’re seeking annuities or accumulation growth with guarantees, EquiTrust offers viable options. If you prioritize high liquidity, many optional riders, or best-in-class digital tools, compare them with other carriers to find the best fit.
