Certainty/Certainty Select

Guarantee Period	Year 1	Years 2+
3 Year	4.00%	4.00%
5 Year	4.65%	4.65%
6 Year	8.00%	4.00%
8 Year	10.00%	4.00%
10 Year	5.25%	5.25%

Confidence Income Annuity
Monthly guaranteed payment on $100,000 premium
Fixed Period	Payment Amount
5 years	$1,797.49
10 years	$1,027.94
15 years	$783.24
20 years	$665.18
Life Only	Payment Amount
Male Age 65	$708.67
Female Age 65	$658.00
Joint Male/Female 65	$591.73

		1-Year	1-Year	1-Year	1-Year	1-Year	2-Year
	1-Year	Pt-to-Pt	Avg	Mo Avg	Pt-to-Pt	Monthly	Mo Avg
	Fixed	Cap	Cap	Part	Part	Cap	Cap**
MarketPower Bonus	3.25%	7.00%	8.00% (dly)	65%	- - -	2.40%	No Cap
MarketBooster	3.25%	7.00%	8.00% (dly)	65%	- - -	- - -	No Cap
MarketTen Bonus	3.25%	- - -	- - -	65%	40%	2.65%	- - -
MarketValue	3.65%	7.50%	9.00% (mo)	75%	- - -	- - -	No Cap
MarketSeven	3.50%	7.50%	9.00% (dly)	75%	- - -	- - -	No Cap
MarketTen	4.00%	- - -	- - -	75%	50%	2.90%	- - -
Builder Bonus*	3.25%	7.00%	8.00% (dly)	- - -	- - -	- - -	No Cap
Performance Index*	3.35%	7.50%	9.00% (dly)	- - -	- - -	- - -	No Cap

*Available only in CT, DE, OR, UT, and WA
**2-Year Monthly Average Cap is subject to a 12% minimum cap.

Click here to see the Interest Rate Summary for all EquiTrust Life annuity products, dated April 28, 2008.

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