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The Certainty Select MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by EquiTrust Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across the 3-, 5-, 6-, 8- and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. The contract offers penalty-free access to cumulative interest at any time, and at the end of each guarantee period a renewal window provides flexibility for next steps.

If the owner dies before annuitization, beneficiaries receive the full accumulation value (no surrender charges) 

Cumulative interest may be withdrawn at any time without surrender charges or MVA. After year one, interest-only withdrawals permitted (and cumulatively interest may be withdrawn).

 funds; accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, 401(k) rollovers, inherited IRAs.

The surrender value equals the accumulation value minus any applicable surrender charges and Market Value Adjustment (MVA), but not less than the minimum non-forfeiture benefit required by contract.  

Surrender value is the Accumulation Value minus applicable surrender charges and possible Market Value Adjustment.

 MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by EquiTrust Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across the 3-, 5-, 6-, 8- and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. The contract offers penalty-free access to cumulative interest at any time, and at the end of each guarantee period a renewal window provides flexibility for next steps.

EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)