Best Guaranteed Annuity Rates

Certainty Select

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Premium Type
Single Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, IRA, Spousal IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP
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A Single Premium Deferred Annuity featuring multi-year rate guarantees Current guarantee periods are 3, 5, 6, 8 and 10 years. Renewal for the original guarantee period is automatic if no action is taken during the 30 days prior to the guarantee period expiration date.

Free Withdrawals
Cumulative interest earned may be withdrawn at any time without Surrender Charge or MVA, either systematically or as a single withdrawal. Single withdrawals can be requested at any time, but must be at least $250 per request. Systematic withdrawals are available monthly, quarterly, semiannually or annually, and must be taken EFT.

Market Value Adjustment (MVA)
Certainty Select contains a feature called the Market Value Adjustment, or MVA. The MVA is applied to both early surrenders and to withdrawals that exceed the free-withdrawal amount. The MVA feature allows EquiTrust Life to credit a higher rate of interest to these annuities. Ask your agent for more details on the MVA, or refer to your contract.

Death Benefit
Upon death of first Owner, Accumulation Value.

30-Day Window
During the 30 days prior to the end of the guarantee period, the following options are available: 
  • Renew for the same guarantee period and Surrender Charge schedule. 
  • Take a partial withdrawal without Surrender Charges or MVA. 
  • Surrender without Surrender Charges or MVA. 
  • Annuitize the contract for at least a 10-year period or life. 
Annuitization Benefit
Accumulation Value available at the end of the Guarantee Period. Minimum period of 10 years or life. Annuitization availability may vary by state.

Rate guarantee for the term the client chooses. This product does not have return of premium. 

If the IRA owner dies on or after 1/1/20, the new SECURE Act rules apply.
Applicable beneficiaries now fall under two categories: Eligible and Ineligible Designated Beneficiaries.
Stretch IRA is available only to Eligible Designated Beneficiaries.
Inherited IRA is available to Ineligible Designated Beneficiaries – withdrawal or taxation of funds by 12/31 of the 10th year following the IRA owner’s death now applies to Ineligible Designated Beneficiaries.
TSP funds have to be rolled over or transferred into an IRA.

Find out if the Certainty Select is the right product for you.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 5.25%
5 years 5.35%
6 years 5.4%
8 years 5.5%
10 years 5.6%


No Riders for Certainty Select annuity.



Upon death of first Owner, accumulation value. Surrender charges and MVA are waived.

Nursing Home

Unavailable in states: MA

Available through issue age 80. 90 day elimination period after the first policy anniversary. Surrender charges and MVA are waived. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: PA

Available for all applicant ages. There is no charge for this rider. No surrender charge on up to 75% of the Accumulation Value in the event of a terminal illness.

Surrender Window

30 days prior to the end of each guarantee period waives surrender charges and MVA.

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