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EquiTrust Life Insurance Company

Market Seven Index RRR

(RETIRED)

A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : B++		Fitch: A-		Standard & Poor's: A-

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1-Year Monthly Cap Index Account	***	***	***	***
1-Year Point-to-Point Cap Index Account	***	***	***	***
1-Year S&P 500 Daily Average Cap Index Account	***	***	***	***
1-Year S&P 500 Monthly Averaging Participation	***	***	***	***
1-Year Fixed Interest Account (Rate guaranteed for 1 Year)	.* %		.* %

Premium Bonus
- none -

Policy Notes

The @annuityName@® --[ subscription required to view full text ]--
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Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
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Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

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State Specific Notes

The 1-Year Average P --[ subscription required to view full text ]--
*** *-**** ******* ************* ******* ** *** ********* **:
**, **, **, **, **, **< **, **, ** ** ** **-**-**

MVA Explanation

We may make a Market Value --[ subscription required to view full text ]--
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Commissions
Commissions are ***** *** * *** * *** * ** ***** ***.

Market Seven Index RRR

Up to age 80

Year 1

Year 2

Year 3

Initial Premium:

****

Renewal Premiums:

****

Premiums Received: Commissions will be padi based on the percentage above at the time pr --[ subscription required to view full text ]--
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