EquiTrust Life is pleased to announce Another Rate Increase!

Effective Thursday, July 6, the rate for the 5-year guarantee period is increasing to 5.2%.....for Certainty SelectTM and CertaintyTM (MYGA) annuities!

New rates, effective 6/26/06, for Certainty Select and Certainty
                                                           Year 1                        Year 2                                            Effective Rate
3 years                                              4.85%                         4.85%        (unchanged)
5 years                                              5.20%                         5.20%        (formerly 5.00/5.00)
6 years                                            10.25%                         4.25%        (unchanged)                       5.23%
8 years                                              9.75%                         4.75%        (unchanged)                       5.36% 
10 years                                            5.50%                         5.50%        (unchanged)

Certainty Select is a multi-year guaranteed annuity featuring Full Accumulation Value at death. Cumulative interest can be withdrawn at any time without surrender charge or MVA.

But if you like the liquidity features of the original Certainty, the Optional Rider recreates many of the ‘original’ Certainty features, giving your clients 10% free withdrawals of accumulation value, reduced surrender charges and Cash Surrender Value at death.

Certainty Select is not approved in all states. The original Certainty is available in CT, IL, IN and MN. Check the State Approvals link .