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EquiTrust Life Insurance Company


Certainty Select 3


A MYGA with a 3-year fixed rate and a 3-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  B++   Standard & Poor's:  BBB+  

Rates
The interest rate is guaranteed for 3 years
Surrender charges last 3 years
Last Rate Change: xx/xx/xxxx
Next Rate Change: xx/xx/xxxx
  Previous Rates
xx/xx/xxxx
Current Rates
xx/xx/xxxx
  RateBonus Yield to
Surrender
RateBonus Yield to
Surrender
Band 10,000+   ****   *****   *****   ****   *****   ***** 

State Specified Minimum Interest Rate: ****
Premium Bonus
- none -

Policy Notes

The @companyName@'s @annuityname@ is a Single Premium, Mult --[ subscription required to view full text ]--
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  • Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

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    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    MVA Explanation
    Not available in CA VT

    Market Value Adjustment Formula

    The --[ subscription required to view full text ]--
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    Commissions
    Effective date of commission schedule: 10/01/2017
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    Certainty Select 3
    Up to age 80 Year 1 Year 2 Year 3 Year 4
    Initial Premium: **** **** **** ****
    Accumulation Value: **** **** **** ****
    Ages 81+ Year 1 Year 2 Year 3 Year 4
    Initial Premium: **** **** **** ****
    Accumulation Value: **** **** **** ****

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    Related Information

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