EquiTrust Certainty Select Annuity – Guaranteed Growth with Flexible Terms and Emergency Access
At Diversified Insurance Brokers, we specialize in helping clients build a secure retirement foundation with fixed annuity solutions tailored to their goals. The EquiTrust Certainty Select Multi-Year Guarantee Annuity (MYGA), issued by EquiTrust Insurance Company, is one of the most flexible and accessible MYGAs on the market—designed to offer predictable returns, customizable terms, and important liquidity features.
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Multiple Term Lengths with Locked-In Growth
This annuity allows you to select a guaranteed interest rate for 3, 5, 6, 8, or 10 years—offering fixed, predictable growth without market risk. As a single premium deferred annuity, it allows you to contribute a lump sum (as low as $10,000) and grow your funds tax-deferred, making it ideal for retirees, pre-retirees, and anyone seeking safe accumulation.
Access to Funds Without Penalty
The Certainty Select Annuity allows penalty-free withdrawals of accumulated interest, giving you access to growth without triggering surrender charges. The contract also includes waiver provisions for nursing home confinement and terminal illness, providing valuable access in times of need.
Understanding the MVA and Surrender Charges
For withdrawals exceeding the penalty-free amount, a Market Value Adjustment (MVA) may apply. This adjustment can either increase or reduce the amount received, depending on interest rate movements. The surrender charge schedule aligns with your selected term, allowing you to pick the combination of rate and liquidity that best suits your timeline.
Death Benefit and Renewal Flexibility
In the event of death, your beneficiaries receive the full contract accumulation value, ensuring your savings are passed on without surrender penalties. At the end of the guarantee period, you have multiple options:
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Renew for a new guaranteed rate
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Take penalty-free withdrawals
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Convert the contract into a structured income stream
Why Clients Choose Diversified Insurance Brokers
Our advisors at Diversified Insurance Brokers take the time to understand your financial goals and present options like the EquiTrust Certainty Select MYGA in a clear, personalized way. Whether you’re rolling over retirement funds or reallocating conservative assets, we help ensure you’re selecting the annuity that fits your long-term objectives.
🎯 Want steady, tax-deferred growth without market risk?
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: EquiTrust Certainty Select
What is EquiTrust Certainty Select?
Certainty Select is a multi-year guaranteed annuity (MYGA) from EquiTrust that provides fixed, predictable interest rates for a set term. It is designed for conservative savers seeking guaranteed growth without market exposure.
How does the guaranteed rate work?
The interest rate is locked for the full term you select. It compounds annually on a tax-deferred basis, making Certainty Select a simple, reliable accumulation product.
What term lengths are available?
EquiTrust typically offers several fixed-rate durations. Longer terms often yield higher guaranteed rates, while shorter terms provide improved liquidity.
Does the annuity include penalty-free withdrawals?
Most versions offer an annual penalty-free withdrawal option. Withdrawals exceeding the free amount may result in surrender charges during the term.
Is there a market value adjustment (MVA)?
Some term structures may include an MVA. This adjustment can raise or reduce early surrender values depending on interest rate conditions at that time.
Is Certainty Select eligible for IRA rollovers?
Yes. The annuity accepts IRA rollovers and transfers from other retirement plans. The process is similar to our guide on transferring a SIMPLE IRA to an annuity.
What happens when the fixed-rate term ends?
When the term matures, you can renew at the then-current rate, withdraw funds, or transfer to another annuity during a penalty-free maturity window.
Does Certainty Select include income options?
The annuity is designed primarily for accumulation. Owners may annuitize at maturity or transfer to a lifetime income product if income is desired.
Is my principal guaranteed?
Yes. Your premium and all credited interest are fully guaranteed for the duration of the selected term.
Who is EquiTrust Certainty Select best suited for?
This MYGA is ideal for savers who want contractually guaranteed interest, tax-deferred accumulation, simple features, and protection from market volatility.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
