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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