Rates effective August 31, 2007

Certainty/Certainty Select
Guarantee
  Period                Year 1   Years 2+  
   3 Years                 4.25%          4.25%       
   5 Years                5.00%           5.00% 
   6 Years               10.00%         4.00% 
   8 Years               10.50%         4.50%
10 Years                  5.30%         5.30%

                                                     1-Year        1-Year          1-Year             1-Year Mo           1-Year              2-Year 
                                                     Fixed         Pt-to-Pt       Average           Avg Partic       Pt-to-Pt Partic      Mo Avg*
MarketPower Bonus Index          3.20%          6.75%         8.50% (dly)      70.00%             ---                   No Cap!
MarketValue Index                      3.50%          7.50%         9.50% (mo)       80.00%            ---                    No Cap!
MarketSeven Index                      3.50%          7.50%         9.50% (dly)       80.00%           ---                    No Cap!
MarketTen Index                          4.65%           ---               ---                     90.00%        65.00%                 ---
MarketTen Bonus Index              3.50%            ---               ---                    80.00%         55.00%                ---
MarketBooster Index                   3.50%         6.75%         8.50% (dly)        70.00%            ---                    No Cap!
Builder Bonus Index                     3.25%        6.75%         8.50% (dly)          - - -                 ---                   No Cap!
Performance Bonus Index            3.50%        7.50%         9.50% (dly)          - - -                ---                    No Cap!
 

* 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 August 31, 2007. Daily updates of the Interest Rate Summary are available at the "Interest Rates" link.