Hypothetical comparison of annual values for indexed accounts to the S&P 500® assuming a 10/1/2006 issue date and 10/1 contract anniversaries.

1. Hypothetical comparison of annual values for indexed accounts to the S&P 500® assuming a 10/1/2006 issue date and 10/1 contract anniversaries.
S&P 500® Index
Minimum Guaranteed
Contract Value
1-Year Daily Average Cap Index Account
(Example assumes $100,000 premium and no withdrawals)
The S&P500® Index is a product of S&P Dow Jones Indices, LLC. ("S&P DJI") and has been licensed for use by EquiTrust Life Insurance Company. S&P® and S&P 500® are registered
trademarks of Standard & Poor's Financial Services, LLC. ("S&P"). These trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by EquiTrust Life
Insurance Company. EquiTrust annuity products are not sponsored, endorsed, sold or promoted by S&P DJI , S&P, or any of their respective affiliates or third party licensors, and none of
such parties make any representation regarding the advisability of purchasing EquiTrust annuity products nor do they have any liability for any errors, omissions, or interruptions of the S&P
500.® Current rates are subject to change. Please contact the Company for current rates. Contract issued on Form Series ET-MPP- 2000(02-05) with Rider ET-AVBR(06-09). Group
Certificates issued on Form Series ET-MPP-2000C(01-07) with Rider ET-AVBRC(06-09). EquiTrust Life Insurance Company, West Des Moines, IA.
ET-M12-DAC (12-16)
Rates as of 12/15/16
1-Year Daily Average
Cap Index Account
with Cap2.75%
$139,753
$158,260
$106,662
$70,000
$80,000
$90,000
$100,000
$110,000
$120,000
$130,000
$140,000
$150,000
$160,000
$170,000
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