*MGA Commission rate for applicant ages 0-80; 4.125% MGA Commission ages 81-85.
**Nursing Home Waiver available through applicant age 80 and not available in MA.
Rates subject to change. Surrender of the contract may be subject to surrender charge and market value adjustment. Withdrawals before age 59 1/2 may result in a 10% IRS penalty tax. Product features and riders may vary by state. Product not available in all states. Guarantees subject to the claims-paying ability of EquiTrust Life Insurance Company. Contract issued on Contract Form Series ICC16-ET-SPA-2000(07-16). EquiTrust Life Insurance Company, West Des Moines,IA. For Producer Use Only. AC16-CH4-1092
