Certainty Select/Certainty              Year 1                  Years 2+                                      Effective Rate

3 Years                                                    4.25%                 4.25%         (formerly 4.35/4.35)
5 Years                                                    4.50%                 4.50%         (formerly 4.70/4.70)
6 Years                                                    8.00%                 4.00%         (formerly 9.00/4.00)          4.66%
8 Years                                                    8.30%                 4.30%         (formerly 8.50/4.50)          4.79%
10 Years                                                  4.80%                 4.80%         (formerly 5.00/5.00)

MarketPower Bonus Index
Fixed Rate Account:                               3.00% (unchanged)
Point-to-Point Cap:                                  6.00% (formerly 6.50%)
Daily Averaging Cap:                              8.50% (formerly 9.00%)
Two-Year Monthly Averaging:                NO CAP! (unchanged)

MarketValue Index
Fixed Rate Account:                               3.20% (formerly 3.40%)
Point-to-Point Cap:                                  7.00% (formerly 7.50%)
Monthly Averaging Cap:                          9.50% (formerly 10.00%)
Two-Year Monthly Averaging:                 NO CAP! (unchanged)

MarketSeven Index
Fixed Rate Account:                               3.20% (formerly 3.40%)
Point-to-Point Cap:                                  7.00% (formerly 7.50%)
Daily Averaging Cap:                              8.50% (formerly 9.00%)
Two-Year Monthly Averaging:                NO CAP! (unchanged)

MarketBooster Index
Fixed Rate Account:                              3.00% (formerly 3.15%)
Point-to-Point Cap:                                 6.00% (formerly 6.50%)
Daily Averaging Cap:                             8.50% (formerly 9.00%)
Two-Year Monthly Averaging:               NO CAP! (unchanged)

Builder Bonus Index (CT, UT and WA only)
Fixed Rate Account:                              3.00% (unchanged)
Point-to-Point Cap:                                 6.00% (formerly 6.50%)
Daily Averaging Cap:                             7.50% (formerly 8.00%)
Two-Year Monthly Averaging:               NO CAP! (unchanged)

Performance Bonus Index (CT, UT and WA only)
Fixed Rate Account:                              3.20% (formerly 3.40%)
Point-to-Point Cap:                                 7.00% (formerly 7.50%)
Daily Averaging Cap:                             9.50% (formerly 10.00%)
Two-Year Monthly Averaging:               NO CAP! (unchanged)

Daily updates of the Interest Rate Summary are available at "Interest Rates" link.

If we can serve you in any way, please call EquiTrust Life Sales Support at 866-598-3694.

Surrender of the contract may be subject to surrender charge and market value adjustment. Products not available in all states. EquiTrust Life Insurance Company, West Des Moines, IA. Contracts issued on Contract Form Series ET-MPP-2000(02-05), ET-EIA-2000(06-04), ET-MK7-2000(09-04), ET-MKB-2000(07-05), ET-STS-2000(03-06) and ET-MYG-2000(11-05). Group Certificates issued on Form Series ET-MPP-2000C(02-05), ET-EIA-2000C(11-04), ET-MK7-2000C(11-04), ET-MKB-2000C(07-05), ET-STS-2000C(03--06) and ET-MYG-2000C(11-05).