Buzz Details

RATE CHANGE for
All EquiTrust Annuities
Effective Wednesday, August 19, 2009

Current rates are applied to business received on or before Tuesday, August 18, 2009, subject to a 60-day rate hold.

Please note: The ORIGINAL application paperwork must be received at EquiTrust Life by 5:00 PM (Central) on Tuesday, August 18th. Faxed copies will not be accepted.

Rates Effective August 19, 2009:

MarketTwelve Bonus Index^TM
1-Year Pt-to-Pt Cap	5.50%
1-Year Daily Avg Cap	6.00%
1-Year Monthly Avg Part	45.00%
1-Year Monthly Cap	2.30%
1-Year Interest	2.65%
MarketPower Bonus Index^®
1-Year Pt-to-Pt Cap	6.00%
1-Year Daily Avg Cap	7.00%
1-Year Monthly Avg Part	40.00%
1-Year Monthly Cap	2.50%
1-Year Interest	2.85%
MarketBooster Index^®
1-Year Pt-to-Pt Cap	5.75%
1-Year Daily Avg Cap	6.50%
1-Year Monthly Avg Part	40.00%
1-Year Monthly Cap	2.50%
1-Year Interest	2.75%
MarketValue Index^®
1-Year Pt-to-Pt Cap	7.50%
1-Year Monthly Avg Cap	8.50%
1-Year Monthly Avg Part	50.00%
1-Year Monthly Cap	3.25%
1-Year Interest	3.50%
MarketSeven Index^®
1-Year Pt-to-Pt Cap	6.25%
1-Year Daily Avg Cap	7.00%
1-Year Monthly Avg Part	50.00%
1-Year Monthly Cap	2.70%
1-Year Interest	3.00%

Certainty^TM/Certainty Select^®

Period	Year 1	Years 2+	Effective Rate
5	2.85%	2.85%
6	3.85%	2.85%	3.02%
8	4.35%	4.35%
10	4.50%	4.50%

Confidence Income^®
Monthly guaranteed payment on $100,000 premium

5-Year Fixed Period	$1,749.58
10-Year Fixed Period	$985.67
15-Year Fixed Period	$747.39
20-Year Fixed Period	$621.95
Life Only - Male 65	$655.22
Life Only - Female 65	$605.22
Joint Life - Male/Female 65	$540.19

ChoiceFour^®

Option	Year 1
Base Contract	3.35%
MVA Option	3.35%
Liquidity Option	2.85%
Liquidity & MVA Option	2.85%

Click here to see the All Product Summary dated August 19, 2009, for all EquiTrust annuity products.

Daily updates of the All Product Summary are available at the "Products" link.