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Product Details
Certainty Select 5
Company social profile:
Product Name
Certainty Select 5
Annuity Type
MYGA
Issuing Insurance Company and Ratings
EquiTrust Life Insurance Company
Ratings
Product Information
The EquiTrust Life Insurance Company’s Certainty Select 5 is a Single Premium, Multi Year Guaranteed Annuity with a 5 Year interest rate guarantee and a 5 Year surrender charge period with a Market Value Adjustment, to optimize growth potential.
Key Features
Premium Types: Single
Minimum Premium: 10,000
Maximum Premium: 2,000,000
Free Look Period: 10 Days
Rate Lock Period: 60 Days
Tax-Qualified: IRA, NonQual, SEP IRA, TSA 403b, IRA-Roth, IRA-Simple, IRA Transfer, IRA Rollover, Inherited IRA
Rates
Effective Date: 10/03/2026
Initial Guarantee Period: 5 Years
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 2,000,000
Current
5 Year Guarantee Period Annual Yield:
5.05%
Interest rate start of year 1 through end of year 5:
5.05%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Above $2M: requires Home Office approval.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
N/A
Withdrawal Provisions
First Year Withdrawals: Interest Only
Withdrawal Years 2+: Interest Only
Wait Period Interest Only : 30 Days
Withdraw from the accumulation Value After : 5 Years
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $250
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90
Premium Limits: Above $2M: requires Home Office approval.
State Restrictions: Not available in GU NY PR VI
