1 Multiple annuity contracts issued by the same insurance company to the same policyholder during the calendar year may be treated as one annuity product for tax purposes.
2 Guarantees are based on the claims-paying ability of EquiTrust Life Insurance Company. Products not available in all states.
3 Assuming no withdrawals or surrenders. A split annuity may not be appropriate for qualified assets, which are already tax-deferred.
EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
Product features may vary by state. Rates subject to change.
Surrender of the Certainty Select contract may be subject to surrender charge and Market Value Adjustment; withdrawals before age 59½ may result in a 10% IRS penalty tax.
Neither the Company nor its producers can provide tax or legal advice. Please consult your tax advisor or attorney on such matters.
IRAs/qualified plans are already tax-deferred; consider other annuity features.
Contract issued on Contract Form Series ET-MYG-2000(11-05), ET-MYG-2000(06-09), 430-SPA(08-03) and ET-SPIA(08-06). Group Contracts issued on Form Series ET-MYG-2000C(06-09) and ET-SPIAC(08-06).
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