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 December 21, 2024
(Rates Effective Since Oct 24, 2024)
| Guarantee Period | Rates |
|---|---|
| 3 Years | 4.75% |
| 5 Years | 5.00% |
| 6 Years | 5.05% |
| 8 Years | 5.10% |
| 10 Years | 5.15% |
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 |
| 2024/04/23 | Certainty Select Client Brochure - OR | ET-CTY-BR-1100-OR |
| 2024/12/16 | Delegate Account User Guide | ET-GEN-BR-DELEGATEACCT-AGT |
| 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 |
| 2024/03/29 | EquiTrust Agent App Overview | ET-GEN-FLR-MBLAPP-OVERVIEW |
| 2024/04/30 | EquiTrust Agent App Quick Start Guide | ET-GEN-FLR-MBLAPP |
| 2019/09/18 | EquiTrust Client Portal Flyer | ET-MYEQUITRUST |
| 2024/05/20 | EquiTrust Contact Information | ET-5000 |
| 2024/07/17 | EquiTrust Corporate Brochure | ET-GEN-BR-1000 |
| 2024/04/12 | EquiTrust Letter of Financial Condition - Producer Use Only | ET-GEN-FLR-LFC.PDF |
| 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 |
| 2024/04/23 | Guidelines for IRA Beneficiaries Under the SECURE Act | ET-GEN-FLR-IRA |
| 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 |
| 2024/08/28 | Interest Rate Summary | ET-GEN-FLR-RATES |
| 2024/09/09 | 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 |
| 2024/09/04 | 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 |
| 2024/08/27 | Ward's 50 | ET-WARDS50 |
| 2024/01/04 | Wizard User Guide | ET-GEN-BR-WUG |