
EquiTrust Life Insurance Company
EquiTrust Certainty Select
About this product
Certainty Select 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.
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 | 5.30% |
8 Years | 5.35% |
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 | 5% |
Features | |
Maximum Issue Age | 90 years |
Lifetime Income Details
Payout Options
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