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EquiTrust Single Premium Life Product Sales Suspended Temporarily

Effective 9/30/21, EquiTrust has temporarily suspended Single Premium Life Product Sales. New applications for life business must be received by 9/30/21 and issued by 12/31/21.

New applications for single premium life products (WealthMax Bonus Life and WealthHorizon Life) must be submitted, and telephone interviews completed by 9/30/21; policies must be issued by 12/31/21.

The temporary suspension of these products is due primarily to IRC section 7702 and the 1/1/22 implementation of the Consolidated Appropriations Act of 2021, where minimum interest rates associated with the Minimum Guaranteed Cash Values, Cash Value Accumulation Test (CVAT), and the Guideline Premium Test (GPT) will be lowered. The legislation will have no impact on inforce policies.

Applications received on or before this date will be processed and must be issued by 12/31/21. All inforce single-premium life policies will continue to be serviced by EquiTrust; the legislation will have no impact on inforce policies.

If you have a Life Insurance Agent Contract with EquiTrust, your contract will remain active. Website access to inforce life business will continue with your current login credentials as long as your contract is active.

AIP Marketing Alliance is passing this information along to our valued wholesalers and agents who sell SPL products. If you are looking for a carrier with single premium life, please contact our Business Development team at (800) 783-5206 Press #2 or email

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For more than 40 years, AIP Marketing Alliance (AIPMA), an Integrity Company, serves as a premier life insurance and annuity distribution partner to provide full-service support to independent wholesalers, brokerages and agents from our Troy, Michigan office. NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE MEDICARE PROGRAM. Copyright 2024