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Certainty Select


Product Detail

  • Applicant Ages: 0-90
  • Premium Minimum: $10,000 NQ/Q,  Max: $2 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 March 29, 2024
(Rates Effective Since Feb 16, 2024)
Guarantee Period Rates
3 Years 5.25%
5 Years 5.35%
6 Years 5.40%
8 Years 5.50%
10 Years 5.60%



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
2024/02/02 Annuity New Business Checklist ET-ANN-CKLIST
2023/11/01 Annuity Suitability Agent User Guide ET-3107
2019/11/05 Annuity Training User Guide ET-REGED
2023/11/01 Certainty Select Agent Guide ET-CTY-BR-1102
2023/11/01 Certainty Select Client Brochure ET-CTY-BR-1100
2021/04/15 Delegate Account User Guide ET-DELEGATEACCT
2023/01/25 E-Applications Flyer ET-EAPP
2022/03/23 E-Delivery Agent User Guide ET-EDELAGENT
2021/12/13 E-Delivery Client User Guide ET-EDELCLIENT
2022/03/23 E-Delivery FAQs ET-EDELFAQ
2023/02/15 EquiTrust Advertising Requirements ET-ADREQ
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
2023/06/28 EquiTrust Contact Information ET-5000
2023/04/18 EquiTrust Corporate Brochure ET-BRO-1000
2023/04/18 EquiTrust Letter of Financial Condition - Producer Use Only ET-LFC
2023/09/05 EquiTrust Pocket Folder ET-FDR-1001A
2023/10/30 EquiTrust Wire-Transfer Instructions ET-WIRETRANSFER
2023/10/27 EquiTrust's Competitive Advantages ET-GEN-FLR-CADV
2024/02/09 Fixed Annuity Sales Presentation ET-GEN-BR-1001
2024/02/09 Fixed Annuity Sales Presentation - PowerPoint ET-GEN-BR-1001PP
2022/11/29 Guidelines for IRA Beneficiaries Under the SECURE Act ET-IRABENEGUIDELINE
2022/12/30 Income, Assets, and Expenses Inventory ET-RINCOME
2022/11/29 Inherited/Stretch IRA Client Brochure ET-INHERSTRCHIRA
2023/01/31 Inherited/Stretch IRA Rules ET-INHRSTRCHRULES
2024/02/06 Internal Transfer Program Flyer ET-GEN-FLR-ITP
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
2022/09/27 Partial Tax Conversion ET-PTAX
2023/03/06 Split Annuity Client Flyer ET-MULTI-FLR-SPL
2021/07/01 Upload a Doc User Guide ET-UPLOADADOC.PDF
2023/07/31 Ward's 50 ET-WARDS50
2024/01/04 Wizard User Guide ET-GEN-BR-WUG

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