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Annuities - Interest Rates

Annuity Interest Rates

Interest rates on investments like CDs, bonds and money market accounts have remained low for many months, often less than one percent. As a result, annuities have emerged as way to earn more money on your investment and provide guaranteed income during your retirement.  

Our fixed and indexed annuities offer a guaranteed minimum interest rate of one percent. Your local Farm Bureau agent can help you understand which option would best fit your retirement strategy.  

Current Annuity Interest Rates, Effective August 1, 2019


    Select IV Fixed Annuity  

New Money 4
New Money 8
Portfolio 6
Portfolio 10
AccumuLock Indexed Annuity
Current Interest Rate
(includes first year bonus rate, if any)
2.00% $100,000+ 1.75% $25,000 - 99,999
​1.40%
$0-
24,999
Not available 1.40% $100,000+ 1.​15% $25,000 - 99,999
1.00%
$0 - 24,999

1.75% $100,000+ 1.50% $25,000 - 99,999 1.15%
$0 - 24,999 
​1.​50%
Fixed Rate
5.00%
Point to Point Cap
5.50%
Monthly Avg. Cap
Bonus Rate  ​N/A
N/A N/A N/A N/A
Guaranteed Rate 1.50% 1.00% 1.00% 1.00% 1.00%
Premium Type Single Premium Single Premium Flexible Premium Flexible Premium Flexible Premium
Minimum Premium $​25,000 Single Premium $25,000 Single Premium $500 initial premium, or $25 monthly EFT $500 initial premium, or $25 monthly EFT $5,000 initial premium

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A 10% tax applies to most withdrawals made from an annuity prior to age 59½.

Surrender charges may apply to any withdrawals. Surrender charge periods for Select IV fixed annuity range from: New Money 4, 8% - 0% over four years; New Money 8, 8% - 0% over eight years; Portfolio 6, 7% - 0% over six years; Portfolio 10, 9% - 0% over ten years for issue age 60+ or 10% - 0% over ten years for issue up to age 59.

Surrender charge periods for AccumuLock indexed annuity range from 9% - 0% over 9 years.

Renewal rates for portfolio options of the Select IV annuity are as follows: ​1.​40% for $100,000+, 1.​15% for $25,000 - 99,999 and 1.​00% for $0 - 24,999.

Renewal rates for new money options of the Select IV annuity sold prior to March 17, 2014 are as follows: 1.​15% for $100,000+, 1.​00% for $25,000 - 99,999 and 1.​00% for $0 - 24,999. For those sold on or after March 17, 2014, the renewal rates are as follows: 1.00% for $100,000+, 1.00% for $25,000 - 99,999 and 1.00% for $0 - 24,999.

The renewal rates apply to each option of Select IV after the surrender charge period expires.

The current credited interest rate posted above (excluding the first year bonus rate) is guaranteed four years for New Money 4 and eight years for New Money 8. The current credited interest rate posted above is neither guaranteed or estimated for the future for Portfolio 6 and Portfolio 10.

Renewal rates for AccumuLock are subject to change each anniversary and are independent of the rates for new sales.

Bonus rate, if any, is added to the current rate for the first year only.

The guaranteed rate is the guaranteed minimum rate for the life of the contract.

The guarantees expressed are based on the claims-paying ability of the issuing life insurance
company.

Bank CDs and accounts are FDIC insured, the other products referenced here are not federally insured.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or variable products.

For AccumuLock and New Money sales, the actual interest rate or indexed cap rates applied to the contract will be the current rates in effect on the date the application is complete and in good order, and the money has been received at the home office.

Rates are based on the Company's ​8/1/​​​​​2019 declared interest rates. Listed rates are neither guaranteed nor estimated for the future. Please call 1-800-247-4170 for today's rates.

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