Guarantees are subject to the claims-paying ability of EquiTrust Life Insurance Company. Neither the Company nor its agents give tax, accounting or legal advice; consult your professional advisors in these areas. Withdrawals before age 59½ may result in a 10 percent IRS penalty tax. In the event of a full surrender, charges will apply to any penalty-free amounts taken during the same contract year. Market Value Adjustment may not apply in all states.