Annuity Interest Rates

Interest rates on investments like CDs, bonds and money market accounts have remained low for many months, often less than one percent. As a result, annuities have emerged as way to earn more money on your investment and provide guaranteed income during your retirement.  

Our fixed and indexed annuities offer a guaranteed minimum interest rate of one percent and are currently higher than that – up to 2.65 percent. Your local Farm Bureau agent can help you understand which option would best fit your retirement strategy.  

 Select IV Fixed AnnuityInterest Builder®
Income Guard
Indexed Annuity
New Money 2New Money 4New Money 8Portfolio 6Portfolio 10
Current Interest Rate
(includes first year bonus rate, if any)

Not Available

Not Available

Not Available

2.30% $100,000+
2.05% $25,000 - 99,999
$0 - 24,999

2.65% $100,000+
2.40% $25,000 - 99,999
2.05% $0 - 24,999

Fixed Rate - 2.10%

Point to Point Cap - 4.25%

Monthly Avg. Cap - 5.00%

Bonus RateN/A1.00%2.00%N/AN/AN/AN/A
Guaranteed Rate1.00%1.00%1.00%1.00%1.00%1.00%1.00%
Premium TypeSingle PremiumSingle PremiumSingle PremiumFlexible PremiumFlexible PremiumFlexible PremiumSingle Premium
$10,000 Single Premium$25,000 Single Premium$25,000 Single Premium$500 initial premium, or $25 monthly EFT$500 initial premium, or $25 monthly EFT$2,000 initial premium qualified, $5,000 initial premium non-qualified
$50 periodic premium
$25,000 Single Premium

A 10% tax applies to most withdrawals made from an annuity prior to age 59½.
First year bonus rate is included in the Current Interest Rate for New Money 4 and New Money 8 in the chart above.

Surrender charges may apply to any withdrawals. Surrender charge periods for Select IV fixed annuity range from: New Money 2, 4% - 0% over two years; New Money 4, 8% - 0% over four years; New Money 8, 8% - 0% over eight years; Portfolio 6, 7% - 0% over six years; Portfolio 10, 9% - 0% over ten years for issue age 60+ or 10% - 0% over ten years for issue up to age 59.

Surrender charge periods for Interest Builder annuity range from 7% - 0% over 7 years.  The surrender charges apply to each premium payment.

Surrender charge periods for Income Guard indexed annuity range from 9% - 0% over 9 years.

Ultimate rates for portfolio options of the Select IV annuity are as follows:  2.30% for $100,000+, 2.05% for $25,000 - 99,999 and 1.70% for $0 - 24,999.

Ultimate rates for new money options of the Select IV annuity are as follows: 2.05% for $100,000+, 1.80% for $25,000 - 99,999 and 1.45% for $0 - 24,999.

The ultimate rates apply to each option of Select IV after the surrender charge period expires.

The current credited interest rate posted above is guaranteed for two years for New Money 2, four years for New Money 4 and eight years for New Money 8. The current credited interest rate posted above is neither guaranteed or estimated for the future for Portfolio 6 and Portfolio 10.

The guaranteed rate is the guaranteed minimum rate for the life of the contract.

The guarantees expressed are based on the claims-paying ability of the issuing life insurance company.

Bank CDs and accounts are FDIC insured, the other products referenced here are not federally insured.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or variable products.

Rates are based on the Company's 9/1/13 declared interest rates. Listed rates are neither guaranteed nor estimated for the future. Please call 1-800-247-4170 for today's rates.

Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC.

Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.

Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY.

Variable life insurance and annuity products are underwritten by an insurance company that is not affiliated with our companies.

+Affiliates *Company providers of Farm Bureau Financial Services

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