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 May 09, 2025
(Rates Effective Since Jan 31, 2025)
| Guarantee Period | Rates |
|---|---|
| 3 Years | 5.00% |
| 5 Years | 5.25% |
| 6 Years | 5.30% |
| 8 Years | 5.35% |
| 10 Years | 5.50% |
Effective Rate Calculation
Annual effective rate for the guarantee period assumes a compounded interest calculation.
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
Alaska,
Illinois,
Missouri,
Vermont,
Alabama,
Arizona,
Arkansas,
California,
Colorado,
Connecticut,
Delaware,
District of Columbia,
Florida,
Georgia,
Hawaii,
Idaho,
Indiana,
Iowa,
Kansas,
Kentucky,
Louisiana,
Maine,
Maryland,
Massachusetts,
Michigan,
Minnesota,
Mississippi,
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,
Virginia,
Washington,
West Virginia,
Wisconsin,
Wyoming,
Product State Variations
Surrender Charge Variation |
| AK, CA, CT, ID, IN, MN, MT, NJ, OH, OK, OR, PA, SC, TX, UT, WA |
No Terminal Illness Rider |
| IL |
No MVA |
| VT, CA |
Renewal At End of Period Variation |
| AL, FL, SC |
No Nursing Home Waiver |
| MA |
| Current Form Date | Title | Number |
|---|---|---|
| 2021/09/29 | Agent Gateway Website | ET-GATEWAY |
| 2025/03/05 | All Product Summary | ET-GEN-BR-ALLPROD |
| 2025/03/05 | Annuitant Alignment on Transfer | ET-ANNFNDREQ |
| 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 |
| 2025/03/05 | Commission Bonus Special Flyer | ET-MULTI-FLR-CMSPCL |
| 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 |
| 2025/03/05 | EquiTracker Status Definitions | ET-EQUITRACKER-STATUSDEF |
| 2025/03/05 | EquiTracker User Guide | ET-EQTRACKER-GUIDE |
| 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 |
| 2025/04/16 | EquiTrust Corporate Brochure | ET-GEN-BR-1000 |
| 2025/04/18 | EquiTrust Letter of Financial Condition - Producer Use Only | ET-GEN-FLR-LFC |
| 2023/09/05 | EquiTrust Pocket Folder | ET-FDR-1001A |
| 2023/10/30 | EquiTrust Wire-Transfer Instructions | ET-WIRETRANSFER |
| 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 |
| 2025/03/05 | 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 |