What is the minimum premium amount for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

The maximum issue age is 90 years.

What is the current interest rate for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

The current interest rate is 5%.

What are the best rates available for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

The best available rate is 5.50% for a 10 year term.

EquiTrust Life Insurance Company

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

Q: What is the minimum guaranteed surrender value for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

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.

Q: What is the surrender charge schedule for EquiTrust – Certainty Select MYGA (3-, 5-, 7-, 8-, 10-Year Terms)?

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.

About this product

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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	5.00%
5 Years	5.25%
6 Years	5.35%
8 Years	5.40%
10 Years	5.50%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $1,000,000.00

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage