Buzz Details

RATE INCREASE for
Index Annuities & Certainty Select

Rates effective January 12, 2009:

MarketPower Bonus Index^®

1-Year Pt-to-Pt Cap 8.00%

1-Year Daily Avg Cap 9.00%

1-Year Monthly Avg Part 45.00%

1-Year Monthly Cap 3.00%

2-Year Monthly Avg Cap⁺ No Cap*

1-Year Interest 4.00%

MarketBooster Index^®

1-Year Pt-to-Pt Cap 8.00%

1-Year Daily Avg Cap 9.00%

1-Year Monthly Avg Part 45.00%

2-Year Monthly Avg Cap⁺ No Cap*

1-Year Interest 4.00%

MarketTen Bonus Index^®

1-Year Pt-to-Pt Part 30.00%

1-Year Monthly Avg Part 50.00%

1-Year Monthly Cap 3.25%

2-Year Pt-to-Pt Cap 18.00%

1-Year Interest 4.00%

MarketValue Index^®

1-Year Pt-to-Pt Cap 8.50%

1-Year Monthly Avg Cap 9.50%

1-Year Monthly Avg Part 55.00%

2-Year Monthly Avg Cap⁺ No Cap*

1-Year Interest 4.25%

MarketSeven Index^®

1-Year Pt-to-Pt Cap 8.50%

1-Year Daily Avg Cap 9.50%

1-Year Monthly Avg Part 55.00%

2-Year Monthly Avg Cap⁺ No Cap*

1-Year Interest 4.25%

MarketTen Index^®

1-Year Pt-to-Pt Part 40.00%

1-Year Monthly Avg Part 60.00%

1-Year Monthly Cap 3.50%

2-Year Pt-to-Pt Cap 20.00%

1-Year Interest 4.50%

Builder Bonus Index^®**

Annual Pt-to-Pt Cap 8.00%

Annual Daily Avg Cap 8.50%

2 Year Monthly Avg Cap⁺ No Cap*

Fixed Rate 3.75%

Performance Bonus Index^®**

Annual Pt-to-Pt Cap 8.50%

Annual Daily Avg Cap 9.50%

2 Year Monthly Avg Cap⁺ No Cap*

Fixed Rate 4.00%

Certainty/Certainty Select^TM
Period	Year 1	Years 2+	Effective Rate
3	3.50%	3.50%
5	4.75%	4.75%
6	6.50%	4.50%	4.83%
8	9.00%	5.00%	5.49%
10	6.00%	6.00%

Click here to see the Interest Rate Summary for all EquiTrust Life annuity products, dated January 12, 2009.

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