May 09, 2008 End of Day May 08, 2008 S&P 500 Change 1397.68 5.11

Quick Links   Home   How to...   Products   Interest Rates   State Approvals   AppBuilder   Forms   Sales Tools   Order Supplies   Illustrations   Travel Incentives   Advertising   FAQs   Best Practices   Strength of EquiTrust   Contact Us   Agent Center This is your source for product, pending business, licensing and appointment information regarding the expanding line of EquiTrust Life annuities. Celebrate your EquiTrust sales success with a trip to legendary Vienna! See below for details.     Product & Marketing News Show All    Rate Increase For Certainty Select!  (05-07-2008) 5% for 5 Years effective May 9, 2008! EquiTrust Producer Trip: Vienna, Austria!  (05-02-2008) Qualifying applications received between May 1, 2008 and April 30, 2009.  Click here for details. Rate INCREASE on all annuity products!  (05-02-2008) Effective April 28, 2008 Joint Life Payout Options Now Available on Confidence Income!  (05-02-2008) Effective March 20, 2008 MINIMUM Caps and Participation Rates Lowered on Several Index Products  (05-02-2008) Effective March 1, 2008 New Sales Tool!  (05-02-2008) Fixed Annuity Sales Presentation Showbook Monthly Cap Added to MarketPower Bonus Index!  (04-23-2008) Effective December 7, 2007 Renewal Rate Webex Seminar Replay - Listen Now!  (03-17-2008) If you missed the February 12th Renewal Rate Seminar Click here for the full audio/PowerPoint presentation. Note: you will need WebEx player installed on your computer to view. Minimum Guaranteed Rates for 2008  (02-25-2008) See 2008 Minimum Guaranteed Rates for EquiTrust Life fixed annuities. Click here. NEW! Certainty Select Sales Idea!  (08-30-2007) Show your clients the yield advantage of the bonus rates in event of premature death, with this Certainty Select "Death Benefit Yield" client flyer Nursing Home Waiver Max Issue Age Raised to 80!  (08-27-2007) Effective May 1, 2007 New! Product-Summary Spreadsheet Available Now!  (05-02-2007) All Products...Current Rates...Product Details...In a Single, Handy Resource! Guide to Understanding Market Value Adjustment  (03-22-2006) Available for client use. Will be included in annuity contracts. MarketPower Premium Bonus Credited Only on Premiums Received BEFORE the First Contract Anniversary  (05-24-2005)   State Approvals Show All    Mississippi Approves MarketTen and MarketTen Bonus!  (04-09-2008) Washington Approves MarketValue Index & MarketSeven Index!  (03-24-2008) Tennessee Approves MarketTen Bonus Index & MarketTen Index!   (12-28-2007) Hawaii Approves MarketTen Bonus Index & MarketTen Index!  (12-10-2007)   Administrative Updates Show All    New Restricted Beneficiary Payout forms  (03-17-2008) Tips to Assure FAST Contract Issuance  (07-20-2007) Click here to see the three most common application oversights...so your clients' apps are processed without delays. Suitability Form Required for ALL Ages in ALL States  (01-22-2007) Effective January 1, 2007 Do Not Use White Out on Applications  (08-03-2006) Reminder of EquiTrust Life rule, stated in Business Guidelines 2006 Cash Equivalents Not Accepted by EquiTrust Life  (05-08-2006) Click here to see acceptable and not-acceptable forms of payment. Cashier's checks ARE acceptable. Reallocations Are Not Allowed During Free-Look Period  (03-27-2006) EquiTrust Life Will Not Reissue if Client Free-Looks a Contract  (03-27-2006) New EquiTrust Life Guidelines for Agent Transfers  (02-08-2006) Release allowed if in current hierachy for over 6 months with no EquiTrust business Post-Anniversary Transfer Window for EquiTrust Life Indexed Annuities  (12-13-2005) Money can be transferred among accounts up to 15 days after contract anniversary. Muliple Premiums can be HELD to achieve clients' allocation strategies.  (08-15-2005) "Authorization to Hold Issue with Multiple Premiums" available on AppBuilder   State-Specific Regulations & Admin News Show All    North Carolina Application Revised   (05-02-2008) Required for New Business Effective May 15 New Nevada Replacement Form Required   (05-02-2008) Effective April 1, 2008 New Arkansas Replacement Form Required  (02-25-2008) Effective February 11, 2008 North Carolina Changes to Certainty Select  (01-16-2008) Optional Rider no longer available effective December 1, 2007 Texas Adopts Model Replacement Regulation  (10-15-2007) Effective September 1, 2007 NAIC Producer Licensing Model Act Override Commissions  (09-06-2007) EquiTrust will pay override commissions to unlicensed individuals and entities under certain circumstances, and according to the Model Act. See State listing here.   Best Practices/Compliance News Show All    Consumer Alert: Equitrust.org  (05-02-2008) Business Guidelines and Commitment to Ethics Document, 2008  (05-02-2008) Agents are required to review this document at least annually. Click here. Iowa to Require Indexed Product Training  (05-02-2008) Effective 1/1/08 for all index business submitted in Iowa. Annuity Sales to Military Members  (12-18-2007) Agent Designations  (12-18-2007) Replacement Requirements for Fixed Annuities  (09-27-2007) Free-Withdrawal and RMD Policy for EquiTrust Life Fixed Annuities  (04-11-2006) LIMRA Surveys Sent to New EquiTrust Life Customers  (12-22-2004) After contract issue, some EquiTrust Life customers will receive from LIMRA a one-page survey, which they are asked to complete and return to LIMRA.  EquiTrust Life authorizes LIMRA to conduct this survey, which is required in order to maintain our IMSA (Insurance Marketplace Standards Association) certification. UGMA/UTMA Guidelines  (11-08-2004) See eligibility requirements, tax and distribution guidelines related to Uniform Gift/Transfers to Minors Act. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.

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