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Surrender charges apply if funds are withdrawn outside of the 30-day window at the end of the guarantee period. Charges start at 10% and decrease annually throughout the term. For example, a 10-year term may have surrender charges starting at 10% and declining each year to 0% by year 10. Variations exist by state: for example, in CA they range from 8.3% down to 0.9%; in CT from 10% to 1%. These charges may be waived for qualifying events such as terminal illness or nursing home confinemen

Nursing Home Waiver Rider, Terminal Illness Rider (both included at no cost).

If you die before the guarantee period ends, your beneficiary(ies) may elect to receive the Accumulation Value immediately, avoiding probate.

Nursing Home Waiver Rider and Terminal Illness Rider are included at no cost, subject to eligibility conditions.

ou can withdraw cumulative interest at any time without paying any charges.

Single Premium Deferred Annuity (Non-qualified and Qualified accepted).

This annuity policy is initiated with a lump-sum premium and offers a locked-in rate of return for a selected term of 3, 5, 6, 8, or 10 years. During the guarantee period, the value grows on a tax-deferred basis and provides options for interest withdrawals, early access due to health conditions, and full liquidity upon death. The policy is available to individuals up to age 90 and includes benefits such as a free-look period and renewal flexibility at term-end.

Before the end of your guarantee period, you’ll have a 30-day window to decide what to do with your Accumulation Value. You may take no action and keep your contract for another guarantee period or choose one of the three options” (scheduled payments, partial withdrawal, or full withdrawal). In Florida and some other states, the contract automatically renews under special conditions.

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

is a single premium deferred annuity designed to offer guaranteed interest rates over a multi-year period, with flexible payout and withdrawal options. It provides predictable, tax-deferred growth and protects against market risk while offering various guarantee periods to suit different financial needs.

Certainty Select