Equitrust Certainty Select

EquiTrust Life Insurance Company 7100 Westown Pkwy Suite 200 West Des Moines, IA 50266-2521 877-249-3694 • www.EquiTrust.com

1 Surrender charges may vary by state. Surrender of the contact may be subject to surrender charges or market value adjustment. Surrender charges are a percentage of the Accumulation Value and decline annually.The Surrender Charge period matches the Guarantee Period: 10, 10, 9, 9, 8, 8, 7, 7, 6 and 5 percent; in AK, ID, IN, MN, MT, NJ, OH, OK, OR, PA, SC,TX, UT and WA: 9, 8, 7, 6.5, 5.5, 4.5, 3.5, 2.5, 1.5 and 0.5 percent; in CT: 10, 9, 8, 7, 6, 5, 4, 3, 2 and 1 percent; in CA: 8.3, 7.4, 6.5, 5.6, 4.7, 3.8, 2.9, 1.9 and 0.9 percent. 2 Market Value Adjustment may not apply in all states. Contract issued on Contract Form Series ET-MYG-2000(06-09) (not available in OR), or ICC13-ET-MYG-2000(07-13). IRAs/qualified plans are already tax deferred; consider other annuity features. EquiTrust Life Insurance Company cannot give legal, tax or accounting advice.Your personal tax advisor can provide important information with respect to the purchase of this annuity contract and its taxation.

ANNUITY AND INSURANCE PRODUCTS ARE NOT DEPOSITS OF NOR ARE THEY GUARANTEED BY ANY BANK. THEY ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY OTHER AGENCY OF THE FEDERAL GOVERNMENT. CERTAIN PRODUCTS MAY LOSE VALUE. may be continued in force, contact your EquiTrust agent.This material is not intended to provide investment advice to you or to your specific situation. EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice. This brochure briefly highlights EquiTrust Life Insurance Company’s CERTAINTY SELECT Single Premium Deferred Annuity contract and its benefits. Product features, riders and availability may vary by state. For costs and complete details of coverage, including any exclusions, reductions or limitations, and the terms under which the contract

ET-MYG-1100 (6-20)

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