Ratings last updated July 30, 2026
EquiTrust Life Insurance Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of B++ (Good).
AM Best assigns EquiTrust Life Insurance Company a financial-strength rating of B++, which sits in its "Good" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. A B++ reflects AM Best's assessment that the company has a good ability to meet those obligations, a solid rating that sits one tier below the "Excellent" (A) range. Ratings can change; the rating shown here was last checked July 30, 2026.
EquiTrust lists both multi-year guaranteed annuities (MYGAs) and fixed index annuities (FIAs) on AnnuaLife, its Certainty Select and Market Index series. The MYGA products link to a full detail page; the fixed index products are covered in our fixed index guide. Rates and caps below are examples as of July 30, 2026 and vary by state.
Multi-year guaranteed annuities
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Certainty Select 6 | 6 yr | 5.45% | $10,000 | View |
| Certainty Select 8 | 8 yr | 5.50% | $10,000 | View |
Fixed index annuities
| Product | Index | Cap | Participation | Minimum |
|---|---|---|---|---|
| MarketValue Index | S&P 500 annual pt-to-pt | 12.50% | 100% | $10,000 |
| MarketSeven Index | S&P 500 annual pt-to-pt | 11.50% | 90% | $10,000 |
| MarketFive Index | S&P 500 annual pt-to-pt | 11.00% | 85% | $10,000 |
Fixed index annuities work differently from fixed-rate products. Learn how caps and participation rates shape your return in the fixed index annuity guide.
Sources: EquiTrust. Company facts last checked July 30, 2026.
EquiTrust, whose controlling owner is Magic Johnson Enterprises, lists both MYGAs and fixed index annuities on our board. Its Certainty Select MYGA rates are competitive, around 5.5%, and its Market Index FIA caps reach 12.5% with a 100% participation rate on the MarketValue contract. All of it comes paired with a B++ ("Good") AM Best rating, one tier below the "Excellent" A-range carriers. That is a tradeoff, not a flaw: you may pick up a little yield versus an A-rated carrier while accepting a rating one notch lower. An advisor can weigh the rate and the rating for your timeline.
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