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EquiTrust Life Insurance Company

Certainty Select 10

A MYGA with a 10-year fixed rate and a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : B+		Standard & Poor's: BBB+		Weiss: B

Rates
The interest rate is guaranteed for 10 years Surrender charges last 10 years	Last Rate Change: xx/xx/xxxx Next Rate Change: xx/xx/xxxx

	Previous Rates xx/xx/xxxx			Current Rates xx/xx/xxxx
	Rate	Bonus	Yield to Surrender	Rate	Bonus	Yield to Surrender
Band 10,000+	****	*****	*****	****	*****	*****

State Specified Minimum Interest Rate: ****

Policy Notes

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Product Riders
No Riders Available

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
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Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
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State Specific Notes

Effective Ja --[ subscription required to view full text ]--
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MVA Explanation
Not available in VT

Market Value Adjustment Formula
The --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 03/01/2012
Commissions are ***** *** * *** * *** * ** ***** ***.

Certainty Select 10

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

Ages 81+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Initial Premium:

****

Accumulation Value:

****

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Related Information

Other EquiTrust Life Insurance Company Products

MYGA

Certainty 10
Certainty 8
Certainty Select 5
Certainty Select 6
Certainty Select 8

Fixed Annuity

Choice Four (Liquidity & MVA Option)
ChoiceFour (Base Contract)
ChoiceFour (Liquidity Option)
ChoiceFour (MVA Option)

Fixed Indexed Annuity

Builder Bonus Index
Market Booster Index
Market Power Bonus Index
Market Ten Bonus Index
Market Value Index
MarketTwelve Bonus

SPIA

Confidence Income

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