March 14, 2010 End of Day March 12, 2010 S&P 500 Change 1150.24 0.00  Quick Links Annuities Home This is your source for product, pending business, licensing and appointment information regarding the expanding line of EquiTrust Life annuities. 2-Year Monthly Average Cap Account Available on MarketTwelve Bonus, MarketPower Bonus & MarketValue! See below for details... Product & Marketing News Show All Rate Increase! Plus 2-Year Cap Account Added to MarketTwelve Bonus! (3/11/2010) Effective March 12, 2010 GREAT NEWS! Up-Front Commission for MarketPower Index! (3/3/2010) Effective Thursday, March 4, 2010 $250 Cash Bonus on your Next Confidence Income SPIA Sale! (2/19/2010) Apps received February 22 - March 31, 2010 EquiTrust Product Portfolio WebEx Seminar Replay - Listen Now! (2/12/2010) If you missed the February 11th Product Portfolio WebEx Seminar Click here for the full audio/PowerPoint presentation. Rate Change for Index Annuities, Certainty Select & ChoiceFour (1/28/2010) Effective Thursday, February 4, 2010 2-Year Monthly Average Cap Account is Back! (1/22/2010) Available on MarketPower Bonus & MarketValue! Effective January 22, 2010 MVA Change for New Contracts (12/28/2009) Applies to applications received on or after January 1, 2010 GREAT NEWS! Enhanced Commission Structure! (11/23/2009) Certainty Select & Confidence Income! Effective Monday, November 23, 2009 Income For Life is Back! (9/4/2009) Effective September 4, 2009 on All Index Annuities! New & Improved MarketBooster! (7/22/2009) Effective July 27, 2009 NEW Product...MarketTwelve Bonus Index! (7/6/2009) 12% Total Bonus! EquiTrust in Strong Financial Condition (6/30/2009)   Important Information Regarding Client Correspondence (3/23/2009) Important Information Regarding Client Statements (2/9/2009) New Website Enhancement! (7/10/2008) State Approvals Show All California Approves MarketTwelve Bonus and MarketBooster! (10/21/2009) Administrative Updates Show All Requirements for Power of Attorney (1/15/2009) Confidence Income Payment Dates (1/15/2009) Requirements for Trusts (1/15/2009) ACH Distributions Must Go To Checking or Savings Accounts (1/15/2009) Distributions From EquiTrust to Money Market or Brokerage Accounts No Longer Offered IRS Endorsement Mailing to IRA, SEP and Roth Clients (11/11/2008) Cash Equivalents Not Accepted by EquiTrust Life (8/15/2008) Click here to see acceptable and not-acceptable forms of payment. Cashier's checks ARE acceptable. New Restricted Beneficiary Payout forms (3/17/2008) Tips to Assure FAST Contract Issuance (7/20/2007) Click here to see the three most common application oversights...so your clients' apps are processed without delays. Do Not Use White Out on Applications (8/3/2006) Reminder of EquiTrust Life rule, stated in Business Guidelines 2006 Reallocations Are Not Allowed During Free-Look Period (3/27/2006) EquiTrust Life Will Not Reissue if Client Free-Looks a Contract (3/27/2006) New EquiTrust Life Guidelines for Agent Transfers (2/8/2006) Release allowed if in current hierachy for over 6 months with no EquiTrust business Post-Anniversary Transfer Window for EquiTrust Life Indexed Annuities (12/13/2005) Money can be transferred among accounts up to 15 days after contract anniversary. Muliple Premiums can be HELD to achieve clients' allocation strategies. (8/15/2005) "Authorization to Hold Issue with Multiple Premiums" available on AppBuilder State-Specific Regulations & Admin News Show All New Massachusetts Regulation (2/9/2010) Effective March 1, 2010 New Annuity Application for Rhode Island (2/2/2010) Effective February 15, 2010 Connecticut Certainty & MVA Changes (12/28/2009) Effective January 1, 2010 South Carolina Certainty Select & MVA Changes (12/28/2009) Effective January 1, 2010 Arkansas Adopts Model Replacement Regulation (12/17/2009) Effective January 1, 2010 New Florida Suitability & Replacement Comparison Forms (12/2/2009) Effective December 25, 2009 New Disclosure Forms for New Jersey (11/23/2009) Effective December 7, 2009 Index Annuity Products No Longer Available in Texas (11/20/2009) Effective Friday, November 20, 2009 Iowa Index Product Training Requirement (10/5/2009) Ohio Agents Reminder Regarding Obligations to Report Breaches of Client Information (9/28/2009) Virginia Insurance Department Issues Guidance for Privacy Safeguards (9/16/2009) New South Carolina Replacement Form Required (9/8/2009) Effective September 24, 2009 Arkansas Required Training (7/20/2009) Effective July 15, 2009 New Texas Training Requirement (7/13/2009) Effective September 1, 2009 Required Information Added to Financial Needs Analysis Form for New Jersey (6/30/2009) Effective August 1, 2009 Best Practices/Compliance News Show All 2010 Business Guidelines and Commitment to Ethics Document (1/7/2010) Agents are required to review this document at least annually. Click here for the 1-10 version. Solicitation of Insurance Prohibited on Military Installations (1/6/2010) Replacement Requirements for Fixed Annuities (12/17/2009) Agent Designations Reminder (7/6/2009) Insurance Commissioners Issue Warning of Phone Scam Targeting Agents (6/15/2009) Anti-Money Laundering Reminder (6/15/2009) Customer Identification Procedures aka: Know Your Customer NAIC Producer Licensing Model Act Override Commissions (10/9/2009) EquiTrust will pay override commissions to unlicensed individuals and entities under certain circumstances, and according to the Model Act. See State listing here. Replacement of Insurance Products Activity (4/15/2009) States Issue Bulletins Regarding Replacements of AIG Contracts (1/15/2009) Agent Designations (1/15/2009) Consumer Alert: Equitrust.org (7/28/2008) Annuity Sales to Military Members (12/18/2007) Free-Withdrawal and RMD Policy for EquiTrust Life Fixed Annuities (4/11/2006) LIMRA Surveys Sent to New EquiTrust Life Customers (12/22/2004) After contract issue, some EquiTrust Life customers will receive from LIMRA a one-page survey, which they are asked to complete and return to LIMRA.  EquiTrust Life authorizes LIMRA to conduct this survey, which is required in order to maintain our IMSA (Insurance Marketplace Standards Association) certification. UGMA/UTMA Guidelines (11/8/2004) See eligibility requirements, tax and distribution guidelines related to Uniform Gift/Transfers to Minors Act. Product & Marketing News 12/30/2009 Rate INCREASE for Index Annuities & Certainty Select! 11/4/2009 Rate INCREASE for ALL EquiTrust Annuities! 10/6/2009 Rate Change for All EquiTrust Annuities 8/12/2009 1-Year Monthly Cap Index Account Available to In-force Contracts 8/11/2009 Rate Change for All EquiTrust Annuities 7/2/2009 Rate Change for All Annuities 6/15/2009 Rate Change for EquiTrust Annuities 5/11/2009 BIG Changes for ALL Annuities 4/14/2009 Rate Change for All EquiTrust Annuities 4/2/2009 Rate Change for All EquiTrust Annuities 3/30/2009 NEW! Return of Premium Rider Available with Builder Bonus! 3/6/2009 Rate Change Announced for Certainty Select 2/27/2009 Update on EquiTrust Life Ratings 2/9/2009 Rate Change Announced for Certainty Select 1/27/2009 NEW! 1-Year Pt-to-Pt Cap Account Now Available with MarketTen Bonus & MarketTen Index! 1/15/2009 Rate INCREASE for Index Annuities & Certainty Select! 1/15/2009 Important Information about 2009 RMDs 1/7/2009 Rate INCREASE for Certainty Select & Confidence Income! 12/23/2008 Update on EquiTrust Life Ratings 12/23/2008 Current Market Conditions and EquiTrust Life Insurance Company 12/16/2008 Great News...Minimum Premium Amounts Reduced! 11/11/2008 New Financial Needs Analysis Form 11/11/2008 NEW Product Now Available! 11/3/2008 Rate Change Announced for EquiTrust Life Annuities 10/16/2008 Rate Change Announced for All Fixed Annuities 9/30/2008 NEW Return of Premium Rider! 9/5/2008 Rate Change Announced for Certainty Select 9/5/2008 Rate INCREASE for Index Annuities & SPIA! 8/8/2008 Rate Change for Certainty Select 5-Year 8/6/2008 MarketTen & MarketTen Bonus WebEx Seminar Replay 8/6/2008 Sizzlin' Summer Sales Ideas WebEx Seminar Replay 8/6/2008 Confidence Income WebEx Seminar Replay 7/9/2008 NEW 2-Year Point-to-Point Available on MarketTen Bonus and MarketTen! 6/23/2008 Rate Increase For Certainty Select! 6/23/2008 Joint Life Payout Options Now Available on Confidence Income! 5/27/2008 Rate INCREASE on all annuity products! 5/2/2008 MINIMUM Caps and Participation Rates Lowered on Several Index Products 4/23/2008 Rate INCREASE Announced for All EquiTrust Life Annuities! 4/23/2008 Monthly Cap Added to MarketPower Bonus Index! 3/17/2008 Renewal Rate Webex Seminar Replay - Listen Now! 3/10/2008 NEW! Monthly Cap Index Account Available NOW! 3/10/2008 Life Income Options Now Available for Confidence Income! 2/25/2008 Minimum Guaranteed Rates for 2008 2/15/2008 Rate Change Announced for EquiTrust Life Annuities 1/16/2008 Rate INCREASE Announced! 12/18/2007 Rate Change Announced for EquiTrust Life Annuities 11/19/2007 Rate Change Announced for EquiTrust Life Annuities 11/19/2007 New SPIA Life Options WebEx Seminar Replay - Listen Now! 11/19/2007 1-Year Average Participation Account Now Available to In-Force Contracts! 11/2/2007 Rate Change Announced for EquiTrust Life Annuities 10/24/2007 Monthly Cap WebEx Seminar Replay - Listen Now! 10/15/2007 Great News! 9/21 Rate Decrease Cancelled! 9/27/2007 New Index Annuities WebEx Seminar Replay - Listen Now! 9/27/2007 2 NEW Products Available Now! 9/10/2007 Rate Change Announced for EquiTrust Life Annuities 8/27/2007 Sizzlin' Summer Sales Ideas WebEx Seminar - Listen Now! 8/27/2007 Nursing Home Waiver Max Issue Age Raised to 80! 8/20/2007 Rate Change Announced for EquiTrust Annuities 7/23/2007 Rate INCREASE announced for ALL EquiTrust Life Products! 6/8/2007 Rate INCREASE announced for ALL EquiTrust Life Products! 6/4/2007 Rate increase! Certainty Select 5% on 5 Years! Higher Pt to Pt Index Caps! 6/1/2007 Rate Increase Announced for EquiTrust Life Fixed Annuities! 5/18/2007 Point-to-Point Caps Increased for ALL Indexed Products! 5/10/2007 Rate Increase Announced for ALL EquiTrust Life Annuities! 4/18/2007 New Participation Account Added to Indexed Annuities! 4/18/2007 1-Year Interest Account Rate Increase Announced 4/10/2007 1-Year Interest Account Rate Increase, for 4 Indexed Products! 4/6/2007 Rate Increase Announced for Certainty Select and Confidence Income! 3/2/2007 Rate Change Announced for All Fixed Annuities 2/26/2007 Confidence Income WebEx Seminar -- Listen Now! 2/26/2007 Rate Change Announce for All Fixed Annuities 1/18/2007 Rate Increase for All Annuities! 1/8/2007 New SPIA Introduced: Confidence Income Annuity! 12/28/2006 Rate Change and 60-Day Rate Hold Announced 11/13/2006 Rate Change Announced on All Fixed Annuities 9/21/2006 Rate Changed Annnounced for all EquiTrust Annuities 8/22/2006 Rate Change Annnounced for EquiTrust Life Annuities 8/2/2006 Rate Change Announced for EquiTrust Life Annuities 7/18/2006 New Expanded Sales Support Hours! 7/7/2006 Rate Increase Announced for ALL EquiTrust Life Annuities! 6/29/2006 Rate Increase Announced for Certainty Select/Certainty! 6/23/2006 Rate Increase for Certainty Select! 6/19/2006 New Indexed Products! Available in CT, UT and WA! 5/19/2006 Rate Increase Announced for All Fixed Annuities! 12/22/2005 2006 Minimum Guaranteed Rates Announced 12/14/2005 Daily Commissions and Online Commission Statements Available Now! 12/5/2005 IRA Owners Can Now Designate Stretch Beneficiaries 11/30/2005 New Product! Certainty Select! 11/7/2005 New Withdrawal Enhancements Announced 10/14/2005 Stretch IRA Now Available with EquiTrust Life Annuities! 7/22/2005 New Indexed Annuity! MarketBooster Index! 6/30/2005 Renewal Rates are Available Now at the Interest Rates Link 6/30/2005 Free-Withdrawal Policy Explained 6/16/2005 EquiTrust Life's AM Best Rating Continued! 5/24/2005 MarketPower Premium Bonus Credited Only on Premiums Received BEFORE the First Contract Anniversary 4/21/2005 MarketPower Bonus Index Refiled as a Single-Premium Product 4/1/2005 Canadian Residents May Purchase EquiTrust Annuities, Under Certain Conditions 3/1/2005 NEW! Two Year Avg Acct -- NO CAP! -- Added to ALL EquiTrust EIAs! 2/18/2005 Monthly Withdrawals Available Now from EquiTrust Contracts! 1/26/2005 See Samples of EquiTrust Life Client Correspondence Administrative Updates 6/25/2007 New Confidence Income Annuity Form to Assign Payments to Third Party 1/22/2007 Suitability Form Required for ALL Ages in ALL States 4/19/2006 Important Information about New Suitability Form Requirement for ALL States 1/4/2006 Tax Withholding for 2005 Withdrawals/Surrenders Cannot Be Reversed 6/16/2005 Multiple Premiums Going Into an EquiTrust EIA? Read this! 5/23/2005 Revised Disclosure Statements Clarify Agent Compensation 2/17/2005 New Form: Beneficiary Designation with Restricted Payout 11/4/2004 Letters Sent to Clients on 11/5 RE: Required Minimum Distributions 8/20/2004 New Charitable Remainder Trust Disclosure Form 8/20/2004 So Many Beneficiaries...So Little App Space 8/19/2004 Assure Smooth Transfers -- Timely-Transfer Tips! 7/29/2004 When submitting a Transfer...PLEASE provide the former carrier's Mailing Address 4/27/2004 New FAX Numbers to Enhance Our Ability to Serve You Promptly! State-Specific Regulations & Admin News 6/29/2009 New Requirements for Arkansas Producers 5/20/2009 Idaho Bulletin Regarding Producer of Record Letters 1/15/2009 California Designation Notice 1/15/2009 New Massachusetts Requirement 1/15/2009 New Florida Suitability Training Requirement 1/15/2009 Iowa, Kentucky, New York & Wisconsin Issue Bulletins Regarding Replacements of AIG Contracts 12/30/2008 New Nebraska Replacement Form Required 12/30/2008 North Dakota issues bulletin regarding improper use of certain agent designations 12/30/2008 Rebates Are Prohibited Under Iowa Law 9/15/2008 New Alaska Replacement Form Required 3/10/2008 Product Availability in Washington 1/16/2008 North Carolina Changes to Certainty Select 10/15/2007 Texas Adopts Model Replacement Regulation 2/28/2007 Ohio Adopts Model Replacement Regulation 12/29/2006 Maine and Virginia Adopt Model Replacement Regulation 2/16/2006 New Jersey Subject to Standard Contracts for All EquiTrust Annuities 12/9/2005 Kentucky Adopts Model Replacement Regulation 10/26/2005 West Virginia Adopts Model Replacement Regulation 5/25/2005 KS and OH Now Require SPDA Disclosure Forms with MarketPower Bonus Index Apps 1/28/2005 EquiTrust Life Delivery Receipt Requirements 12/17/2004 Replacement Notice is Required in Certain States in Almost All Circumstances 11/18/2004 Wisconsin Product-Specific Disclosures and Preliminary Contract Summaries Have Been Combined for Your Convenience 10/27/2004 Alabama Adopts Model Replacement Regulation, Effective 1/1/05 10/1/2004 California Senate Bill 1273 Increases Fines for Misrepresentation 9/30/2004 New Mexico Requires Confidential Abuse Information Notification 9/30/2004 Reminder of Wisconsin Preliminary Contract Summary Requirement 7/22/2004 North Carolina Adopts Model Replacement Regulation, Effective 8/1/04 5/19/2004 KY Agents: Max Issue Age for MarketPower Bonus Index is 78; not 80. Best Practices/Compliance News 8/15/2008 Iowa to Require Indexed Product Training 8/24/2004 California Adopts Strict Advertising Procedures when Working with Seniors 8/19/2004 Clients Must Receive Copies of Disclosure Statement 8/17/2004 New Training Requirement for California Agents 8/17/2004 Joint-Ownership Policy Explained 7/23/2004 Telephone Solicitation Guidelines Here for Your Review 5/6/2004 New EquiTrust Life Guidelines for Safe Business Practices Available Under FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.     Terms and Conditions Using this site means you accept its terms

EquiTrust Life Insurance Company/West Des Moines, IA
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