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Equitrust Annuities

  FBL Financial Group is a holding company whose primary operating subsidiaries are Farm Bureau Life Insurance Company and EquiTrust Life Insurance Company.  

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EquiTrust Life Insurance Company, a part of FBL Financial Group underwrites, markets and distributes life insurance, annuities and mutual funds to individuals and small businesses. In addition, FBL manages all aspects of two Farm Bureau affiliated property-casualty insurance companies for a management fee.

Certainty Select/Certainty
Multi-Year Guarantee Annuity

• Commission Bonus Applies to All Guarantee Periods
• And to All Applicant Ages: 0-90 Years 

Bonus added to normal commission and paid at issue.
Applies to all Apps Received August 2 through December 31, 2010.

Current Interest Rates 
(as of 9/3/10)
5 Years 2.00%
6 Years 2.10%
8 Years 3.00%
10 Years 3.25%

Commission Bonus applies only to Certainty and Certainty Select applications.  Agent split percentages apply.  EquiTrust Life maintains full discretion over eligibility and may terminate the program at any time. Rates are subject to change. Product not available in all states. Contract issued on Contract Form Series ET-MYG-2000(11-05) or ET-MYG-2000(06-09). Group Contracts issued on Form Series ET-MYG-2000C(06-09). EquiTrust Life Insurance Company, West Des Moines, IA.  For Producer Use Only.  AC10-ET-ECN-1080.

  About EquiTrust Fixed Annuities

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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