What is the minimum guaranteed surrender value for EquiTrust Certainty Select?

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.

What is the minimum premium amount for EquiTrust Certainty Select?

The minimum premium amount is $10,000.

What is the maximum issue age for EquiTrust Certainty Select?

The maximum issue age is 90 years.

What is the current interest rate for EquiTrust Certainty Select?

The current interest rate is 5%.

What is the surrender charge schedule for EquiTrust Certainty Select?

Surrender charges apply if funds are withdrawn outside of the 30-day window at the end of the guarantee period.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

What are the best rates available for EquiTrust Certainty Select?

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

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

Features
Maximum Issue Age	90 years

Growth Projection

How your money grows

Based on your issue age (55) and target payout age (100), the following guarantee periods will be applied:

Period 1

10 years (5.50%)Years 0 - 10

Age 55 - 65

Period 2

10 years (5.50%)Years 10 - 20

Age 65 - 75

Period 3

10 years (5.50%)Years 20 - 30

Age 75 - 85

Period 4

10 years (5.50%)Years 30 - 40

Age 85 - 95

Period 5

5 years (5.25%)Years 40 - 45

Age 95 - 100

Total years to payout45

Total guarantee periods applied5

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Income Calculation

Total Growth at Payout Age: $1,099,534.62
Current Age: 55
Payout Age: 100
Expected Lifetime (years): 45
Payout Option: Annuitization
Monthly Lifetime Income: $0.00

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