Document:

Exhibit 4.1(a)

                                   ADDENDUM TO
                         FARM BUREAU 401(k) SAVINGS PLAN

         1. The following paragraph is added to Sections 1.26 and 1.30 ("Related
Group"/"Related Employer" and "Service with a Predecessor Employer") of the
Defined Contribution Prototype Plan and Trust:

         The Farm Bureau 401(k) Savings Plan is a multiple employer plan adopted
         by the following related groups of controlled corporations: Iowa Farm
         Bureau Federation, Farm Bureau Mutual Insurance Company, FBL Financial
         Group, Inc., Nebraska Farm Bureau Federation (including Farm Bureau
         Insurance Company of Nebraska), Minnesota Farm Bureau Federation, South
         Dakota Farm Bureau Federation, Utah Farm Bureau Federation, Arizona
         Farm Bureau Federation, and New Mexico Farm & Livestock Bureau. The
         term "Employer" includes the group members of each separate related
         group and each related group shall stand alone for purposes of applying
         the Coverage Test under Code ss.410(b) and any discrimination testing
         under Code ss.401(a)(4), applying the limitations on allocations in
         Article III, applying the top heavy rules and the minimum allocation
         requirements of Article III, the definitions of Employee, Highly
         Compensated Employee, Compensation and Leased Employee and for any
         other purpose required by the applicable Code Section or by a Plan
         provision. Only one Trust shall be created under this Plan, but the
         assets of the Participants of each separate related group shall be
         accounted for separately. Service with all Participating Companies
         shall be counted for purposes of crediting House of Service, and
         determining Years of Service and Breaks in Service under Articles II
         and V.

         2. With respect to the eligibility conditions contained in item 9 of
the Adoption Agreement, specifically subsection (a)(2) (two years of service),
the eligibility conditions for the non-elective contributions made by South
Dakota Farm Bureau Federation (classification III under paragraph 6 of this
Addendum) are the same as the eligibility conditions for matching contributions
(age 21 and one month of service).

         3. Following are the fixed matching contribution formulas (expressed as
a percentage of elective deferrals) and the maximum elective deferrals taken
into account in making matching contributions (expressed as a percentage of
compensation) applicable to each controlled group of entities. These
designations apply to item 15(a) and 15(j) respectively in the Adoption
Agreement. These are effective January 1, 2002. Matching contribution formulas
and limits on elective deferrals eligible for matching contributions in effect
prior to that date are contained in the prior plan document, plus amendments
thereto:

                                       43
<PAGE>

                                                              Maximum Eligible
                                                Match         Elective Deferrals
                                                -----         ------------------
Iowa Farm Bureau Federation           )
Farm Bureau Mutual Insurance Company  )         100%          First 2%
FBL Financial Group, Inc.             )          50%          Next 2%
New Mexico Farm & Livestock Bureau    )

Arizona Farm Bureau Federation        )         100%          First 3%
Minnesota Farm Bureau Federation      )          50%          Next 2%

South Dakota Farm Bureau Federation              50%          5%

         4. With respect to the fixed matching contribution formula in item
15(a) of the Adoption Agreement, Employees of Farm Bureau Mutual Insurance
Company who are agency managers or assistant agency managers (and effective
October 1, 1998, who are office assistants) are not eligible for such Employer
matching contributions.

         5. Each separate controlled group of entities shall determine the
discretionary matching percentage under item 15(b) of the Adoption Agreement for
Participants directly employed by a member of such separate controlled group.

         6. With respect to the allocation of Employer non-elective
contributions under item 16(a) of the Adoption Agreement, the classifications of
eligible participants in subparagraph (a) shall apply to the contribution
allocation formulas set forth in subparagraph (b):

         (a)      Classification I - Agency Managers and Assistant Agency
                    Managers who are Employees of Farm Bureau Mutual Insurance
                    Company.

                  Classification II - Office Assistants who are employees of
                    Farm Bureau Mutual Insurance Company.

                  Classification III (effective January 1, 1999) - Employees of
                    South Dakota Farm Bureau Federation

         (b)      The following shall apply with respect to the amount of
                  Nonelective Employer Contributions and method of allocation of
                  such contribution with respect to each Classification of
                  Participants identified in (a) above:

                  (1) Classification I Participants - with respect to eligible
                  Participants in Classification I as defined in (a) above, the
                  contribution for Classification I Participants shall be
                  allocated as follows:

                           (i) The Employer contribution shall first be
                  allocated in the same proportion that the sum of base salary,
                  mutual overwrite commissions and first year life overwrite
                  commissions of such Participant for the Plan Year bears to the

                                       44
<PAGE>

                  total of the sums of all such compensation of all eligible
                  Classification I Participants; provided, however, the amount
                  allocated to each such Participant shall not exceed 5% of the
                  sum of his base salary, mutual overwrite commissions and first
                  year life overwrite commissions.

                           (ii) The balance of the Employer contribution shall
                  be allocated in the same proportion that the sum of base
                  salary and mutual overwrite commissions of such Participant
                  for the Plan Year bears to the total of the sums of all such
                  compensation of all eligible Classification I Participants;
                  provided, however, that in no event shall the total allocation
                  to a Highly Compensated Employee's account under this
                  paragraph b(1) exceed an amount which, when expressed as a
                  percentage of Compensation for the portion of the Plan Year
                  for which the Participant is eligible, is equal to the
                  contribution allocated to Participants in Classification II
                  under paragraph b(2) below (expressed as a percentage of
                  eligible Compensation);

                           (iii) For purposes of the allocations above, only
                  base salary, mutual overwrite commissions and first year life
                  overwrite commissions earned after a Participant's Entry Date
                  shall be used in the allocation. A Participant does not have
                  to be employed on the last day of the Plan Year or have a
                  minimum number of Hours of Service to have nonelective
                  contributions allocated to his account.

                  (2) Classification II Participants - with respect to eligible
                  Participants in Classification II as defined in (a) above, the
                  contribution for Classification II Participants shall be
                  allocated as follows:

                           (i) The annual nonelective contribution shall be
                  allocated in the same ratio that each Participant's
                  Compensation for the Plan Year bears to the total Compensation
                  of all eligible Classification II Participants for the Plan
                  Year. A Participant does not have to be employed on the last
                  day of the Plan Year or have a minimum number of Hours of
                  Service to have nonelective contributions allocated to his
                  account.

                  (3) Classification III Participants (effective January 1,
                  1999) - with respect to eligible Participants in
                  Classification III as defined in (a) above, the contribution
                  for Classification III Participants shall be allocated as
                  follows:

                           (i) The annual nonelective contribution shall be
                  allocated in the same ratio that each Participant's
                  Compensation for the Plan Year bears to the total Compensation
                  of all Participants for the Plan Year. A Participant does not
                  have to be employed on the last day of the Plan Year or have a
                  minimum number of Hours of Service to have nonelective
                  contributions allocated to his account.

                                       45
<PAGE>

         7. Iowa Farm Bureau Federation, as Plan Sponsor, specifically
acknowledges that any group annuity contract issued to the Plan shall not be
part of the Plan assets held in trust by the Trustee.

         8. In administering Subsection 10.03(B) of the Defined Contribution
Prototype Plan and Trust, the following additional provision shall apply:

         Notwithstanding the authority of the Trustee to give proxies as
         specified in Subsection 10.03(B)(g), each Participant and beneficiary
         in the Plan who has a beneficial interest in the Employer Stock Fund
         shall be entitled to direct the Trustee as to the manner in which the
         Employer stock having voting rights which are allocated to such
         Participant's or beneficiary's account shall be voted. The Trustee,
         itself or by its nominee, shall vote said stock as follows: (i) the
         Employer shall adopt reasonable measures to notify said Participants
         and beneficiaries of the date and purpose of each meeting of
         stockholders of the Employer at which holders of shares of stock shall
         be entitled to vote, and to request instructions from such Participants
         and beneficiaries to the Employer, its agent or the Trustee as to the
         voting at such meeting of the number of shares of common stock
         (including fractional shares) in the account of each such Participant
         or beneficiary, whether or not vested; (ii) in each case the Trustee,
         itself or by proxy, shall vote the shares of said stock (including
         fractional shares) in the account of each such Participant or
         beneficiary in accordance with the directions of the Participant or
         beneficiary as communicated directly to the Trustee or to the Trustee
         by the Employer or its agent; (iii) if prior to the time of such
         meeting of stockholders (or a date prior thereto specified by the
         Trustee), the Trustee shall not have received timely directions from a
         Participant or beneficiary, or from the Employer as to the manner of
         voting any shares of allocated stock in the account of such Participant
         or beneficiary, the Trustee shall vote, itself or by proxy, all such
         shares of common stock in all matters coming before the meeting, in the
         same ratio, to the nearest whole vote, as the ratio in which the total
         shares with respect to which timely directions were received were voted
         in such matters.

         9. Item 29 of the Adoption Agreement to the Plan is hereby amended by
adding the following thereto:

         All accounts shall be invested as directed by Participants in such
         investment alternatives as are selected by the Plan Administrator. If
         an election has not been made by a Participant, then all accounts of
         such Participant shall be invested in the Farm Bureau group annuity
         investment option.

         10. In administering Subsection 10.03(F) of the Defined Contribution
Prototype Plan and Trust, the following additional provisions shall apply:

         If so directed, the Trustee is authorized to invest in Qualifying
         Employer securities in amounts that may exceed 10% of the value of Plan
         assets, up to 100% of the value of Plan assets, to be held in an
         Employer Stock Fund. Such investment shall be at the direction of the

                                       46
<PAGE>

         Named Fiduciary, or if authorized by the Named Fiduciary, by an
         Investment Manager or as directed by Participants or beneficiaries.
         Notwithstanding such direction, in the event that a tender or exchange
         offer is made for all or any portion of the Employer's common stock
         held in the Fund, the Employer shall take such action as is practicable
         to provide each Participant or beneficiary of the Plan having an
         interest in such Fund with the same information that is distributed by
         the Employer to the stockholders of the Employer owning the same class
         of common stock for which such offer is made. Notwithstanding any other
         provision of the Plan, in the event such an offer is made, each such
         Participant or beneficiary shall have the right to direct the Trustee,
         by timely notice, to tender or exchange all or any portion of the full
         shares of such common stock credited to his account which are at such
         time fully vested, and the Trustee shall so tender or exchange only
         upon receipt of such direction. All property received in the form of
         cash in exchange for such common stock so tendered shall, upon receipt,
         be transferred out of the Employer Stock Fund and shall be invested by
         the Trustee in accordance with the investment direction then on file
         with the Trustee for investment of deferral contributions with respect
         to each affected Participant. If such investment direction directs any
         funds to be invested in the Employer Stock Fund, such amount shall
         instead be invested in the Farm Bureau group annuity contract issued to
         the Plan. All property received other than cash in exchange for such
         common stock so tendered shall, upon receipt be held by the Trustee in
         the Employer Stock Fund within the accounts of those Participants who
         so tendered. Notwithstanding any other provision of this Plan, such
         property other than cash may be held within such Fund and shall be
         administered, invested, reinvested and distributed in accordance with
         the applicable terms of this Plan.

         11. All Regular and Qualifying Matching Contributions shall be invested
by the Trustee in FBL Financial Group, Inc. common stock. A Participant shall
have the same investment choices for that account as he does for his other
accounts in the Plan, and he may transfer out of the Employer Stock Fund with
respect to his matching account into other investment choices at any time.

         12. The Defined Contribution Prototype Plan and Trust is amended by
adding the following language to Section 10.03(B)(c) of that document:

         The Trustee is authorized to invest and reinvest all or any part of the
         principal and income of the Trust through any common or collective
         trust fund or pooled investment fund maintained by the Trustee for the
         collective investment of funds held by it in a fiduciary capacity. The
         provisions of the document governing any such common or collective
         trust fund as it may be amended from time to time shall govern any
         investment therein and are hereby made a part of this Defined
         Contribution Prototype Plan and Trust.

                                       47
<PAGE>

IOWA FARM BUREAU FEDERATION,
           Plan Sponsor

By: /s/ Jerry C. Downin                     Date: January 25, 2002
        Secretary/Treasurer

WELLS FARGO BANK MINNESOTA, N.A.,
           Trustee

By: /s/ Mary Stoecker                       Date: January 28, 2002
        Vice President

                                       48Exhibit 4.1(b)

                                   FARM BUREAU
                               401(k) SAVINGS PLAN
                        AMENDMENT OF THE PLAN FOR EGTRRA

PREAMBLE

1. Adoption and effective date of amendment. This amendment of the Farm Bureau
401(k) Savings Plan (the "Plan") is adopted to reflect certain provisions of the
Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). This
amendment is intended as good faith compliance with the requirements of EGTRRA
and is to be construed in accordance with EGTRRA and guidance issued thereunder.
Except as otherwise provided, this amendment shall be effective as of the first
day of the first Plan Year of the Plan beginning after December 31, 2001.

2. Supersession of inconsistent provisions. This amendment shall supersede the
provisions of the Plan to the extent those provisions are inconsistent with the
provisions of this amendment.

SECTION 1. LIMITATIONS ON CONTRIBUTIONS.

1. Effective date. This section shall be effective for limitation years
beginning after December 31, 2001.

2. Maximum annual addition. Except to the extent permitted under section 10 of
this amendment that provides for catch-up contributions under EGTRRA ss.631 and
section 414(v) of the Code, if applicable, the annual addition that may be
contributed or allocated to a participant's account under the Plan for any
limitation year shall not exceed the lesser of:

         (a) $40,000, as adjusted for increases in the cost-of-living under
         section 415(d) of the Code, or

         (b) 100 percent of the participant's compensation, within the meaning
         of section 415(c)(3) of the Code, for the limitation year.

The compensation limit referred to in (b) shall not apply to any contribution
for medical benefits after separation from service (within the meaning of
section 401(h) or section 419A(f)(2) of the Code) which is otherwise treated as
an annual addition.

SECTION 2. INCREASE IN COMPENSATION LIMIT

The annual compensation of each participant taken into account in determining
allocations for any Plan Year beginning after December 31, 2001, shall not
exceed $200,000, as adjusted for cost-of-living increases in accordance with
section 401(a)(17)(B) of the Code. Annual compensation means compensation during
the Plan Year or such other consecutive 12-month period over which compensation
is otherwise determined under the Plan (the determination period). The
cost-of-living adjustment in effect for a calendar year applies to annual
compensation for the determination period that begins with or within such
calendar year.

                                       49
<PAGE>

SECTION 3. MODIFICATION OF TOP-HEAVY RULES

1. Effective date. This section shall apply for purposes of determining whether
the plan is a top-heavy plan under section 416(g) of the Code for plan years
beginning after December 31, 2001, and whether the plan satisfies the minimum
benefits requirements of section 416(c) of the Code for such years. This section
amends the top heavy provisions of the Plan.

2. Determination of top-heavy status.

         2.1 Key employee. Key employee means any employee or former employee
(including any deceased employee) who at any time during the Plan Year that
includes the determination date was an officer of the employer having annual
compensation greater than $130,000 (as adjusted under section 416(i)(1) of the
Code for Plan Years beginning after December 31, 2002), a 5-percent owner of the
employer, or a 1-percent owner of the employer having annual compensation of
more than $150,000. For this purpose, annual compensation means compensation
within the meaning of section 415(c)(3) of the Code. The determination of who is
a key employee will be made in accordance with section 416(i)(1) of the Code and
the applicable regulations and other guidance of general applicability issued
thereunder.

         2.2 Determination of present values and amounts. This section 2.2 shall
apply for purposes of determining the present values of accrued benefits and the
amounts of account balances of employees as of the determination date.

                  2.2.1 Distributions during year ending on the determination
date. The present values of accrued benefits and the amounts of account balances
of an employee as of the determination date shall be increased by the
distributions made with respect to the employee under the Plan and any plan
aggregated with the Plan under section 416(g)(2) of the Code during the 1-year
period ending on the determination date. The preceding sentence shall also apply
to distributions under a terminated plan which, had it not been terminated,
would have been aggregated with the Plan under section 416(g)(2)(A)(i) of the
Code. In the case of a distribution made for a reason other than separation from
service, death, or disability, this provision shall be applied by substituting
5-year period for 1-year period.

                  2.2.2 Employees not performing services during year ending on
the determination date. The accrued benefits and accounts of any individual who
has not performed services for the employer during the 1-year period ending on
the determination date shall not be taken into account.

3. Minimum benefits.

         3.1 Matching contributions. Employer matching contributions shall be
taken into account for purposes of satisfying the minimum contribution
requirements of s 416(c)(2) of the Code and the Plan. The preceding sentence
shall apply with respect to matching contributions under the Plan or, if the

                                       50
<PAGE>

Plan provides that the minimum contribution requirement shall be met in another
plan, such other plan. Employer matching contributions that are used to satisfy
the minimum contribution requirements shall be treated as matching contributions
for purposes of the actual contribution percentage test and other requirements
of section 401(m) of the Code.

SECTION 4. DIRECT ROLLOVERS OF PLAN DISTRIBUTIONS

1. Effective date. This section shall apply to distributions made after December
31, 2001.

2. Modification of definition of eligible retirement plan. For purposes of the
direct rollover provisions in the Plan, an eligible retirement plan shall also
mean an annuity contract described in section 403(b) of the Code and an eligible
plan under section 457(b) of the Code which is maintained by a state, political
subdivision of a state, or any agency or instrumentality of a state or political
subdivision of a state and which agrees to separately account for amounts
transferred into such plan from this Plan. The definition of eligible retirement
plan shall also apply in the case of a distribution to a surviving spouse, or to
a spouse or former spouse who is the alternate payee under a qualified domestic
relation order, as defined in section 414(p) of the Code.

3. Modification of definition of eligible rollover distribution to exclude
hardship distributions. For purposes of the direct rollover provisions in the
Plan, any amount that is distributed on account of hardship shall not be an
eligible rollover distribution and the distributee may not elect to have any
portion of such a distribution paid directly to an eligible retirement plan.

4. Modification of definition of eligible rollover distribution to include
after-tax employee contributions. For purposes of the direct rollover provisions
in the Plan, a portion of a distribution shall not fail to be an eligible
rollover distribution merely because the portion consists of after-tax employee
contributions which are not includible in gross income. However, such portion
may be transferred only to an individual retirement account or annuity described
in section 408(a) or (b) of the Code, or to a qualified defined contribution
plan described in section 401(a) or 403(a) of the Code that agrees to separately
account for amounts so transferred, including separately accounting for the
portion of such distribution which is includible in gross income and the portion
of such distribution which is not so includible.

SECTION 5. ROLLOVERS FROM OTHER PLANS

Effective January 1, 2002, the Plan will accept participant rollover
contributions and/or direct rollovers of distributions made after December 31,
2001, from the types of plans specified below beginning on the effective date
specified.

Direct Rollovers:
The Plan will accept a direct rollover of an eligible rollover distribution
from: (Check each that applies or none.)
_x_  a qualified plan described in section 401(a) or 403(a) of the Code,
excluding after-tax employee contributions.

                                       51
<PAGE>

_x_  a qualified plan described in section 401(a) or 403(a) of the Code,
including after-tax employee contributions.
_x_  an annuity contract described in section 403(b) of the Code, excluding
after-tax employee contributions.
_x_  an eligible plan under section 457(b) of the Code which is maintained by a
state, political subdivision of a state, or any agency or instrumentality of a
state or political subdivision of a state.

Participant Rollover Contributions from Other Plans:
The Plan will accept a participant contribution of an eligible rollover
distribution from: (Check each that applies or none.)
_x_  a qualified plan described in section 401(a) or 403(a) of the Code.
_x_  an annuity contract described in section 403(b) of the Code.
_x_  an eligible plan under section 457(b) of the Code which is maintained by a
state, political subdivision of a state, or any agency or instrumentality of a
state or political subdivision of a state.

Participant Rollover Contributions from IRAs:

The Plan: (Choose one.)
___  will
_x_  will not
accept a participant rollover contribution of the portion of a distribution from
an individual retirement account or annuity described in section 408(a) or
408(b) of the Code that is eligible to be rolled over and would otherwise be
includible in gross income.

SECTION 6. ROLLOVERS NOT DISREGARDED IN INVOLUNTARY CASH-OUTS

Rollovers not disregarded in determining value of account balance for
involuntary distributions. For purposes of the section of the Plan that provides
for the involuntary distribution of vested accrued benefits of $5,000 or less,
the value of a participant's nonforfeitable account balance shall continue to be
determined taking into account that portion of the account balance that is
attributable to rollover contributions (and earnings allocable thereto) within
the meaning of sections 401(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and
457(e)(16) of the Code. If the value of the participant's nonforfeitable account
balance as so determined is $5,000 or less, the Plan shall immediately
distribute the participant's entire nonforfeitable account balance.

SECTION 7. REPEAL OF MULTIPLE USE TEST

The multiple use test described in Treasury Regulation section 1.401(m)-2 shall
not apply for plan years beginning after December 31, 2001.

                                       52
<PAGE>

SECTION 8. ELECTIVE DEFERRALS--CONTRIBUTION LIMITATION

No participant shall be permitted to have elective deferrals made under this
Plan, or any other qualified plan maintained by the employer during any taxable
year, in excess of the dollar limitation contained in section 402(g) of the Code
in effect for such taxable year, except to the extent permitted under section 10
of this amendment that provides for catch-up contributions under EGTRRA ss.631
and section 414(v) of the Code, if applicable. Furthermore, a participant's
elective deferrals may not exceed 100% of compensation for the Plan Year.

SECTION 9. MODIFICATION OF TOP-HEAVY RULES

The top-heavy requirements of section 416 of the Code shall not apply in any
year beginning after December 31, 2001, in which the Plan consists solely of a
cash or deferred arrangement which meets the requirements of section 401(k)(12)
of the Code and matching contributions with respect to which the requirements of
section 401(m)(11) of the Code are met.

SECTION 10. CATCH-UP CONTRIBUTIONS

All employees who are eligible to make elective deferrals under this Plan and
who have attained age 50 before the close of the Plan Year shall be eligible to
make catch-up contributions after December 31, 2001 in accordance with, and
subject to the limitations of, section 414(v) of the Code. Such catch-up
contributions shall not be taken into account for purposes of the provisions of
the Plan implementing the required limitations of sections 402(g) and 415 of the
Code. The Plan shall not be treated as failing to satisfy the provisions of the
Plan implementing the requirements of section 401(k)(3), 401(k)(11), 401(k)(12),
410(b), or 416 of the Code, as applicable, by reason of the making of such
catch-up contributions.

SECTION 11. SUSPENSION PERIOD FOLLOWING HARDSHIP DISTRIBUTION

A participant who receives a distribution of elective deferrals after December
31, 2001, on account of hardship shall be prohibited from making elective
deferrals and employee contributions under this and all other plans of the
employer for 6 months after receipt of the distribution. A participant who
receives a distribution of elective deferrals in calendar year 2001 on account
of hardship shall be prohibited from making elective deferrals and employee
contributions under this and all other plans of the employer for the period
specified in the provisions of the Plan relating to suspension of elective
deferrals that were in effect prior to this amendment.

SECTION 12. DISTRIBUTION UPON SEVERANCE FROM EMPLOYMENT

1. Effective date. This section shall apply for distributions after December 31,
2001 regardless of when the severance from employment occurred. A participant's
elective deferrals, qualified nonelective contributions, qualified matching
contributions, and earnings attributable to these contributions shall be
distributed on account of the participant's severance from employment. However,
such a distribution shall be subject to the other provisions of the Plan

                                       53
<PAGE>

regarding distributions, other than provisions that require a separation from
service before such amounts may be distributed.

         The Iowa Farm Bureau Federation has caused this Amendment to the Plan
for EGTRRA to be executed by its duly authorized officer this 28th day of
December, 2001.

                                        IOWA FARM BUREAU FEDERATION

                                        By: /s/ Jerry C. Downin

                                        WELLS FARGO BANK MINNESOTA, N.A.
                                         Trustee

                                        By: /s/ Mary Stoecker

                                       54

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