EquiTrust Life Insurance Company

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EquiTrust Life Insurance Company Product
Portfolio
For Agent Use Only AC070008
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EquiTrust Life Insurance Company A Name You Can
Trust!

• A subsidiary of FBL Financial Group, Inc. an
  insurance holding company with a 60-year
  tradition of excellence
• Licensed in 49 states and District of Columbia
• Rated A by A.M. Best Company and Standard
  Poors
• Rapidly growing company

FBL Financial Group, Inc., and EquiTrust Life
Insurance Company are separate entities. FBL
Financial Group, Inc., is not responsible for the
financial condition or contractual obligations of
EquiTrust Life Insurance Company. A (Strong),
SPs rating reflects our financial security.
Rating is 4th out of 20 possible. EquiTrust Life
Insurance Company is rated A by A.M. Best Company
for its relative financial strength and ability
to meet its obligations to policyholders. An A
rating is the 3rd highest of the A.M. Bests 16
individual ratings. EquiTrust Life Insurance
Company has a Standard Poors counterparty
credit and financial strength rating of A.
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Excellent Sales Support

• Experienced Sales Support call [phone]
• New business processed within 48 hours
• Rapid resolution of questions and problems
• Quick approval of advertising pieces
• Sales tools on agent Web site
  www.equitrust.com
• Daily commissions

For Agent Use Only
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Outstanding Indexed Annuity Product Design

• Clean, easy-to-explain product features
• Accumulation value death benefit
• Transfers and reallocations at anniversary
  15-day transfer window after the anniversary
• Minimum guarantee 3 on 87.5 of premiums,
  less any partial withdrawals
• Premium requirements 5,000 non-qualified
  2,000 qualified

Some products may vary. Surrender of the
contract may be subject to surrender charge and
market value adjustment. Withdrawals before age
59½ may result in a 10 IRS penalty tax.
Withdrawals do not participate in index growth.
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Cap-Designed Index Products

• Competitive caps
• 100 Participation in SP 500
• 0 Index Margin
• Participation and margin guaranteed for life of
  contract
• No-Cap Crediting Option
• Contractual minimum caps

"SP 500" is a trademark of The McGraw-Hill
Companies, Inc., and has been licensed for use by
EquiTrust Life Insurance Company. These products
are not sponsored, endorsed, sold or promoted by
Standard Poor's, and Standard Poor's makes no
representation regarding the advisability of
purchasing these products. The SP500 Index
does not reflect dividends paid on underlying
stocks.
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Client-Friendly Features

• Nursing Home Waiver (Issue ages 0 - 75)
• Penalty-free withdrawal options
• Competitive rates and caps
• Stretch IRA available

Nursing home waiver not available in
MA. Surrender of the contract may be subject to
surrender charge and market value adjustment.
Withdrawals before age 59½ may result in a 10
IRS penalty tax. Withdrawals do not participate
in index growth.
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EquiTrust Life Indexed Annuities

• MarketPower Bonus Index
• MarketValue Index
• MarketSeven Index
• MarketBooster Index
• Builder Bonus Index
• Performance Bonus Index

Contracts issued on Contract Form Series
ET-BIA-2000 (01-04) or ET-MPP-2000 (02-05),
ET-EIA-2000 (06-04), ET-MK7-2000 (09-04),
ET-MKB-2000(07-05), ET-MYG-2000 (11-05). Group
Certificates issued on Form SeriesET-MPP-2000C
(02-05), ET-EIA-2000C (11-04), ET-MK7-2000C
(11-04). EquiTrust Life Insurance Company, West
Des Moines, IA.
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MarketPower Bonus Index

• 10 premium bonus on all first-year premiums
• No annuitization required
• Bonus included in death benefit and/or
  surrender
• Additional premiums allowed in first contract
  year only
• 8.5 MGA commission

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MarketPower Math

• Premiums 100,000
• Premium Bonus 10,000
• 110,000
• Initial Surrender Charge (20) -22,000
• 88,000
• Effective initial surrender charge 12

Surrender of the contract may be subject to
surrender charge and market value adjustment.
Withdrawals before age 59½ may result in a 10
IRS penalty tax. Withdrawals do not participate
in index growth.
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MarketPower Current Rates

• 1-Year Interest Account 3.00 (2.00 min)
• 1-Year Point-to-Point 6.50 cap (5.00 min)
• 1-Year Daily Average 9.00 cap (6.00 min)
• 2-Year Monthly Average No Cap (12.00 min)

Effective 1/19/2007 Rates subject to change
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MarketValue Index

• Client-friendly 10-year surrender
• Annual reset monthly average strategy
• Flexible premium
• 10 MGA commission

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MarketValue Current Rates

• 1-Year Interest Account 3.50 (2.00 min)
• 1-Year Point-to-Point 7.00 cap (5.00 min)
• 1-Year Monthly Average 9.50 cap (6.00 min)
• 2-Year Monthly Average No Cap (12.00 min)

Effective 1/19/2007 Rates subject to change
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MarketSeven Index

• Client-friendly 7-year surrender
• Enhanced cap rates and fixed account
• Flexible premium
• Minimum initial premium 10,000
• 7.5 MGA commission

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MarketSeven Current Rates

• 1-Year Interest Account 3.50 (2.00 min)
• 1-Year Point-to-Point 7.00 cap (5.00 min)
• 1-Year Daily Average 9.00 cap (6.00 min)
• 2-Year Monthly Average No Cap (12.00 min)

Effective 1/19/2007 Rates subject to change
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MarketBooster Index

• 5 premium bonus in years 1-5
• Bonus included in death benefit and/or
  surrender
• Client-friendly 9-year surrender
• Competitive fixed account and cap rates
• 8 MGA commission

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MarketBooster Current Rates

• 1-Year Interest Account 3.00 (2.00 min)
• 1-Year Point-to-Point 6.50 cap (4.00 min)
• 1-Year Daily Average 9.00 cap (5.00 min)
• 2-Year Monthly Average No Cap (12.00 min)

Effective 1/19/2007 Rates subject to change
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Certainty Select
Multi-Year Guarantee Annuity

• Guarantee periods 3, 5, 6, 8 10 years
• Optional Rider for enhanced liquidity
• Issue ages 0 - 90
• 30-day window prior to end of guarantee period
• Single premium
• Commissions
• 3-year 2 (1.5 for issue ages 81-90)
• 5, 6, 8 and 10-year 3 (2.25 for issue ages
  81-90)

Contract Form Series 430-SPA (08-03),
ET-MYG-2000 (11-05). Group Certificates issued on
Form Series 430-SPA-C (11-04), ET-MYG-2000C
(11-05). EquiTrust Life Insurance Company, West
Des Moines, IA.
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Certainty Select Base Contract

• Full accumulation value death benefit
• Free withdrawals of cumulative interest at any
  time
• Surrender charges begin at 10

Surrender charges may vary by state.
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Certainty Select Optional Rider

• Enhanced liquidity
• Withdrawals up to 10 of the Accumulation Value
  after the first year
• Reduced surrender charges begin at 9
• Death benefit is Cash Surrender Value taken as a
  lump sum or Accumulation Value taken over a
  minimum of five years

Surrender charges may vary by state.
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Certainty Select
Guarantee Period Year 1 Years 2 3
year 4.20 4.20 5 year 4.45 4.45 6
year 7.50 4.00 8 year 8.25 4.25 10
year 4.85 4.85 First-year S.C.
10 9 with Optional Rider (may vary by state)
Effective 12/20/2006 Rates subject to change
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Confidence Income Annuity
Single Premium Immediate Annuity

• Income guaranteed for a fixed period, 5 to 20
  years
• Issue ages 0 90
• Minimum Premium 10,000, Minimum Payment 100
• Payments monthly, quarterly, semi-annually or
  annually
• Commissions 3

Contracts issued on contract series ET-SPIA
(08-06). Group Certificates issued on form
series ET-SPIAC (08-06). EquiTrust Life
Insurance Company, West Des Moines, IA.
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Confidence Income Death Benefit

• In the event of the owners death, payments will
  continue to the beneficiary(ies) for the duration
  of the fixed period.
• If the contract is held jointly, payments will
  continue to the joint survivor.

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Confidence Income Current Rates
Monthly guaranteed payment on 100,000
premium Fixed Period Payment Amount 5
Years 1,812.55 10 Years 1,031.98 15 Years
776.97 20 Years 659.52
Effective 12/6/2006 Rates subject to change
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Agent Web Sitewww.equitrust.com
(Click on Agent Login/Fixed Products)

• Client-approved sales materials and historical
  charts
• SPIA Illustrations
• Printable interest rates and caps
• Printable state approval information
• AppBuilder
• Print ads and mailers
• Agent center
• Active and pending business reports
• Commission statements

For Agent Use Only
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Thank you for joining us today!
Please contact our Sales Support staffat (866)
598-3694.