Exhibit 4.13


FBL FINANCIAL GROUP, INC.


OFFER TO EXCHANGE


$100,000,000 principal amount of its 5.875%
Senior Notes Due 2017,

which have been registered under the Securities Act of 1933, for any and

all 5.875% Senior Notes Due 2017.


[___________], 2007


To Our Clients:


Enclosed for your consideration are the Prospectus,
dated [___________], 2007 (as the same may be amended and supplemented from
time to time, the “Prospectus”), and the related Letter of Transmittal (which
together with the Prospectus constitute the “Exchange Offer”), in connection
with the offer by FBL Financial Group, Inc., an Iowa corporation (the “Company”),
to exchange the Company’s new 5.875% Senior Notes Due 2017 (the “Exchange Notes”)
which have been registered under the Securities Act of 1933, as amended (the “Securities
Act”), for any and all of the Company’s outstanding 5.875% Senior Notes Due
2017 (the “Outstanding Notes”), upon the terms and subject to the conditions
set forth in the Exchange Offer. The Exchange Offer will expire at 5:00 p.m.
Chicago time, on [___________], 2007, unless extended (the “Expiration Date”).


We are holding Outstanding Notes for your account. An
exchange of the Outstanding Notes can be made only by us and pursuant to your
instructions. The Letter of Transmittal is furnished to you for your
information only and cannot be used by you to exchange the Outstanding Notes
held by us for your account. The Exchange Offer provides a procedure for holders
to tender by means of guaranteed delivery.


We request information as to whether you wish us to
exchange any or all of the Outstanding Notes held by us for your account upon
the terms and subject to the conditions of the Exchange Offer.


Your attention is
directed to the following;


1.                The forms and
terms of the Exchange Notes are the same in all material respects as the forms
and terms of the Outstanding Notes (which they replace), except that the
Exchange Notes have been registered under the Securities Act. The Exchange
Notes will bear interest from the most recent interest payment date to which
interest has been paid on the Outstanding Notes or, if no interest has been
paid, from March 12, 2007.


2.                Based on an
interpretation by the staff of the Division of Corporation Finance of the
Securities and Exchange Commission (the “SEC”), as set forth in certain
interpretive letters addressed to third parties in other transactions, Exchange
Notes issued pursuant to the Exchange Offer in exchange for Outstanding Notes
may be offered for resale, resold and otherwise transferred by a holder thereof
(other than a holder which is an “affiliate” of the Company within the meaning
of Rule 405 under the Securities Act or a “broker” or “dealer registered
under the Securities Exchange Act of 1934, as amended (the “Exchange Act”))
without compliance with the registration and prospectus delivery provisions of
the Securities Act, provided that such Exchange Notes are acquired in the
ordinary course of such holder’s business and such holder is not engaging, does
not intend to engage, and has no arrangement or understanding with any person
to participate, in the distribution of such Exchange Notes. See “Shearman &
Sterling,” SEC No-Action Letter (available July 2, 1993), “Morgan Stanley &
Co., Inc.,” SEC No-Action Letter (available June 5, 1991) and “Exxon
Capital Holdings Corporation,” SEC No-Action Letter (available May 13,
1988). Accordingly, each broker-dealer that receives Exchange Notes for its own
account pursuant to the Exchange Offer must acknowledge that it will deliver a
Prospectus in connection with any resale of those Exchange Notes.











3.                The Exchange Offer
is not conditioned on any minimum aggregate principal amount of Outstanding
Notes being tendered. Outstanding Notes may be tendered by each holder in a
minimum aggregate principal amount of $1,000 and integral multiples of $1,000
in excess thereof.


4.                Notwithstanding
any other provisions of the Exchange Offer, or any extension of the Exchange
Offer, the Company will not be required to accept for exchange, or to exchange
any Exchange Notes for, any Outstanding Notes and may terminate the Exchange
Offer (whether or not any Outstanding Notes have been accepted for exchange) or
may waive any conditions to or amend the Exchange Offer, if any of the
conditions described in the Prospectus under “The Exchange Offer—Conditions to
the Exchange Offer” have occurred or exist or have not been satisfied.


5.                Tendered
Outstanding Notes may be withdrawn at any time prior to 5:00 p.m., Chicago
time, on the Expiration Date, if such Outstanding Notes have not previously
been accepted for exchange pursuant to the Exchange Offer.


6.                Any transfer taxes
applicable to the exchange of Outstanding Notes pursuant to the Exchange Offer
will be paid by the Company, except as otherwise provided in the Letter of
Transmittal.


If you wish to have us tender any or all of your
Outstanding Notes, please so instruct us by completing and returning to us the
instruction form attached hereto. If you authorize a tender of your Outstanding
Notes, the entire principal amount of Outstanding Notes held for your account
will be tendered unless otherwise specified on the instruction form. Your
instructions should be forwarded to us in ample time to permit us to submit a
tender on your behalf by the Expiration Date.


The Exchange Offer is not being
made to, nor will tenders be accepted from or on behalf of, holders of the
Outstanding Notes in any jurisdiction in which the making of the Exchange Offer
or acceptance thereof would not be in compliance with the laws of such
jurisdiction or would otherwise not be in compliance with any provision of any
applicable securities law.