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Certainty Select


Product Detail

  • Applicant Ages: 0-90
  • Premium Minimum: $10,000 NQ/Q,  Max: $1 million
  • Single premium
  • Guarantee Periods: 3, 5, 6, 8, 10 years
  • Surrender Charge:
    • 3 Years: 10, 10, 9%
    • 5 Years: 10, 10, 9, 9, 8%
    • 6 Years: 10, 10, 9, 9, 8, 8%
    • 8 Years: 10, 10, 9, 9, 8, 8, 7, 7%
    • 10 Years: 10, 10, 9, 9, 8, 8, 7, 7, 6, 5%
  • Penalty-Free Withdrawals: Cumulative interest immediately
  • Death Benefit: Full Accumulation Value
  • Nursing Home Waiver: Issue ages 0-80
  • Terminal Illness Rider

 

For Agent Use Only

Product Features and Rider Availability may vary by state.

Certainty Select

Effective November 30, 2021
(Rates Effective Since Aug, 21 2020)
Guarantee Period Rates
3 Years 1.20%
5 Years 1.70%
6 Years 1.85%
8 Years 2.00%
10 Years 2.20%



Rate Hold
If the initial premium is not received with the application but is received within 60 days, the contract/policy will be credited with the higher of the rates on the date of receipt of the application and the rates for new issues on the date the premium is received.

Product State Approvals


Alabama,
Alaska,
Arizona,
Arkansas,
California,
Colorado,
Connecticut,
Delaware,
District of Columbia,
Florida,
Georgia,
Hawaii,
Idaho,
Illinois,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Maryland,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
Missouri,
Montana,
Nebraska,
Nevada,
New Hampshire,
New Jersey,
New Mexico,
North Carolina,
North Dakota,
Ohio,
Oklahoma,
Oregon,
Pennsylvania,
Rhode Island,
South Carolina,
South Dakota,
Tennessee,
Texas,
Utah,
Vermont,
Virginia,
Washington,
West Virginia,
Wisconsin,
Wyoming,

Product State Variations


Surrender Charge Variation
AK, CA, CT, IN, MN, MT, NJ, OH, OK, OR, PA, SC, TX, UT, WA

Renewal At End of Period Variation
AK, AL, FL, SC

No MVA
CA, VT
Current Form Date Title Number
2021/09/29 Agent Gateway Website ET-GATEWAY
2020/01/16 Annuity New Business Checklist ET-ANN-CKLIST
2020/11/09 Annuity Suitability Agent User Guide ET-3107
2019/11/05 Annuity Training User Guide ET-REGED
2020/06/30 Certainty Select Agent Guide ET-MYG-1102
2020/06/30 Certainty Select Client Brochure ET-MYG-1100
2021/04/15 Delegate Account User Guide ET-DELEGATEACCT
2018/06/06 E-Applications Flyer ET-EAPP
2019/01/18 EquiTrust Agent App Overview ET-MOBILEAPPOVERVIEW
2021/09/29 EquiTrust Agent App Quick Start Guide ET-MOBILEAPPQUICKSTARTGUIDE
2019/09/18 EquiTrust Client Portal Flyer ET-MYEQUITRUST
2021/09/29 EquiTrust Contact Information ET-5000
2021/09/29 EquiTrust Corporate Brochure ET-BRO-1000
2021/03/08 EquiTrust Letter of Financial Condition - Producer Use Only ET-LFC
2009/11/01 EquiTrust Pocket Folder ET-FDR-1001A
2021/01/27 EquiTrust Wire-Transfer Instructions ET-WIRETRANSFER
2021/09/29 EquiTrust's Competitive Advantages ET-ADVANTAGES
2017/04/06 Fixed Annuity Sales Presentation ET-BRO-1001
2017/04/06 Fixed Annuity Sales Presentation - PowerPoint ET-BRO-1001PP
2020/06/29 Guidelines for IRA Beneficiaries Under the SECURE Act ET-IRABENEGUIDELINE
2021/09/24 Inherited/Stretch IRA Client Brochure ET-INHERSTRCHIRA
2021/09/24 Inherited/Stretch IRA Rules ET-INHRSTRCHRULES
2006/02/01 Market Value Adjustment Guide - MYG ET-MYG-1106
2010/01/01 Market Value Adjustment Guide - MYG ET-MYG-1106-1-10
2021/09/29 Online Marketing Resources ET-5002
2015/01/22 Split Annuity Client Flyer ET-SPL-1104
2021/07/21 Upload a Doc User Guide ET-UPLOADADOC
2021/07/07 Ward's 50 ET-WARDS50

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