Variable product subaccounts, mutual funds and municipal fund securities are subject to market risk and possible loss of principal. This and other important information is contained in the prospectus and in the issuer's official statement, which can be obtained from a registered representative and should be read carefully before you invest or pay money. Investors should consider the investment objectives, risks, charges and expenses carefully before investing.

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.

Renewal rate for Select IV annuity is 3.80% for $100,000+, 3.55% for $25,000 - 99,999 and 3.20% for $0 - 24,999. These 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.

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

Rates are based on the Company's 3/15/10 declared interest rates. Listed rates are neither guaranteed nor estimated for the future. Please call 1-800-247-4170 for today's rates.