EquiTrust Life Insurance Company® offers your clients a 6% bonus on any premiums paid during the first five contract years. This 6% is applied immediately to their account and is available to start earning interest right away. In addition, this flexible premium annuity enables them to: 

• Lock in S&P500 Index gains, subject to a Cap or Participation Rate
• Completely avoid market losses - guaranteed
• Guarantee Return of Premium

1"S&P 500®" is a trademark of The McGraw-Hill Companies, Inc., and has been licensed for use by EquiTrust Life Insurance Company. This product is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of purchasing this product. The S&P 500® Index does not refl ect dividends paid on underlying stocks.

2Underlying guarantees are subject to the claims-paying ability of EquiTrust Life Insurance Company.

Surrender of the contract may be subject to surrender charge or market value adjustment, but will result in no less than return of principal. Product not available in all states. Contract issued on Form Series ET-MTB-2000(06-07). Group Certificates issued on Form Series ET-MTB-2000C(06-07). EquiTrust Life Insurance

Company, West Des Moines, IA. AC10-ET-MTB-1139