Document:

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.Exhibit 4.14

 

FBL FINANCIAL GROUP, INC.

(the “Company”)

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.

Instructions from
Beneficial Owner

The undersigned
acknowledge(s) receipt of your letter and the enclosed Prospectus and the
related Letter of Transmittal in connection with the offer by the Company to
exchange the Exchange Notes for Outstanding Notes.

This will instruct you to
tender the principal amount of Outstanding Notes indicated below held by you
for the account of the undersigned, upon the terms and subject to the
conditions set forth in the Prospectus and the related Letter of Transmittal.

The undersigned represents
that (i) the Exchange Notes acquired pursuant to the Exchange Offer are
being obtained in the ordinary course of the undersigned’s business, (ii) the
undersigned 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, (iii) the undersigned is not an “affiliate,” as defined
under Rule 405 of the Securities Act, of the Company and (iv) the
undersigned is not acting on behalf of any person or entity that could not
truthfully make these statements. If the undersigned is a broker-dealer, it
acknowledges that it will deliver a copy of the Prospectus in connection with
any resale of the Exchange Notes.

	
  

  	
   

  	
  Sign Here

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Signature(s)

  
	
   

  	
   

  	
   

  
	
  Securities
  which are to be tendered:

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Tender
  all of the Outstanding Notes

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Aggregate
  Principal Amount*

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  o   Outstanding
  Notes

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Name(s) (Please Print)

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Address

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Zip Code

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Area Code and Telephone No.

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Dated:

  	
   

  	
     ,
  2007

  	
   

  	
   

  
						

*                    Unless
otherwise indicated, it will be assumed that all of the Outstanding Notes
listed are to be tendered.Exhibit 4.15

NOTICE OF
GUARANTEED DELIVERY

FOR TENDER OF

5.875% SENIOR NOTES
DUE 2017

OF FBL FINANCIAL GROUP, INC.

As set forth in the Exchange Offer (as defined below),
this Notice of Guaranteed Delivery (or a facsimile hereof) or one substantially
equivalent hereto or the electronic form used by The Depository Trust Company (“DTC”)
for this purpose must be used to accept the Exchange Offer if certificates for
5.875% Senior Notes Due 2017 (the “Original Notes”) of FBL Financial Group, Inc.,
an Iowa corporation (the “Company”), are not immediately available to the
registered holder of such Outstanding Notes, or if a participant in DTC is
unable to complete the procedures for book-entry transfer on a timely basis of
Outstanding Notes to the account maintained by LaSalle Bank National
Association (the “Exchange Agent”) at DTC, prior to 5:00 p.m., Chicago
time, on
[              ],
2007, unless extended (the “Expiration Date”). This Notice of Guaranteed
Delivery (or a facsimile hereof) or one substantially equivalent hereto may be
delivered by mail (registered or certified mail is recommended), by facsimile
transmission, by hand or overnight carrier to the Exchange Agent. See “The
Exchange Offer—Procedures for Tendering Outstanding Bonds” in the Prospectus
(as defined below). Capitalized terms used herein and not defined herein have
the meanings assigned to them in the Exchange Offer.

The Exchange Agent for the
Exchange Offer is:

LaSalle
Bank National Association

135
South LaSalle Street

Suite 1560

Chicago,
IL 60603

Attention:
Corporate Trust Services

Phone Number:  1-312-904-2226

Delivery of this Notice of Guaranteed Delivery to an
address other than as set forth above or transmission of this Notice of
Guaranteed Delivery via a facsimile number other than the number listed above
will not constitute a valid delivery.

This Notice of Guaranteed Delivery is not to be used
to guarantee signatures. If a signature on a Letter of Transmittal is required
to be guaranteed by an Eligible Institution (as defined therein) under the
instructions thereto, such signature guarantee must appear in the applicable
space provided in the signature box on the Letter of Transmittal.

Ladies and Gentlemen:

The undersigned hereby tenders to FBL Financial Group, Inc.,
an Iowa corporation (the “Company”), the aggregate principal amount of
Outstanding Notes indicated below pursuant to the guaranteed delivery
procedures and upon the terms and subject to the conditions set forth in the
Prospectus dated
[                ],
2007 (as the same may be amended or supplemented from time to time, the “Prospectus”)
and in the related Letter of Transmittal (which together with the Prospectus
constitute the “Exchange Offer”), receipt of which is hereby acknowledged.

The undersigned hereby represents, warrants and agrees
that the undersigned has full power and authority to tender, exchange, sell,
assign, and transfer the tendered Outstanding Notes and that the Company will
acquire good, marketable and unencumbered title thereto, free and clear of all
liens, restrictions, charges and encumbrances when the tendered Outstanding
Notes are acquired by the Company as contemplated herein, and the tendered
Outstanding Notes are not subject to any adverse claims or proxies. The
undersigned warrants and agrees that the undersigned and each Beneficial Owner 

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will, upon request,
execute and deliver any additional documents deemed by the Company or the
Exchange Agent to be necessary or desirable to complete the tender, exchange,
sale, assignment and transfer of the tendered Outstanding Notes, and that the
undersigned will comply with its obligations under the Registration Rights
Agreement. The undersigned has read and agrees to all of the terms of the Exchange
Offer.

BY TENDERING OUTSTANDING NOTES AND EXECUTING THIS
NOTICE OF GUARANTEED DELIVERY, THE UNDERSIGNED HEREBY REPRESENTS AND WARRANTS
THAT (i) NEITHER THE UNDERSIGNED NOR ANY BENEFICIAL OWNER(S) IS AN “AFFILIATE”
OF THE COMPANY AS DEFINED IN RULE 405 UNDER THE SECURITIES ACT, (ii) ANY
EXCHANGE NOTES TO BE RECEIVED BY THE UNDERSIGNED AND ANY BENEFICIAL OWNER(S) ARE
BEING ACQUIRED BY THE UNDERSIGNED AND ANY BENEFICIAL OWNER(S) IN THE
ORDINARY COURSE OF BUSINESS OF THE UNDERSIGNED AND ANY BENEFICIAL OWNER(S), (iii) THE
UNDERSIGNED AND EACH BENEFICIAL OWNER HAVE NO ARRANGEMENT OR UNDERSTANDING WITH
ANY PERSON TO PARTICIPATE IN A DISTRIBUTION (WITHIN THE MEANING OF THE
SECURITIES ACT) OF EXCHANGE NOTES TO BE RECEIVED IN THE EXCHANGE OFFER, (iv) THE
UNDERSIGNED OR ANY SUCH BENEFICIAL OWNER IS NOT ENGAGED IN, AND DOES NOT INTEND
TO ENGAGE IN, A DISTRIBUTION (WITHIN THE MEANING OF THE SECURITIES ACT) OF SUCH
EXCHANGE NOTES AND (v) THE UNDERSIGNED IS NOT ACTING ON BEHALF OF ANY
PERSON OR ENTITY THAT COULD NOT TRUTHFULLY MAKE THESE STATEMENTS. IF THE
UNDERSIGNED IS A BROKER-DEALER, IT ACKNOWLEDGES THAT IT WILL DELIVER A COPY OF
THE PROSPECTUS IN CONNECTION WITH ANY RESALE OF THE EXCHANGE NOTES.

All questions as to the form of documents, validity,
eligibility (including time of receipt) and acceptance for exchange of tendered
Outstanding Notes will be determined by the Company, in its sole discretion,
whose determination shall be final and binding on all parties. The Company
reserves the absolute right, in its sole and absolute discretion, to reject any
and all tenders determined by the Company not to be in proper form or the
acceptance of which, or exchange for, may, in the view of the Company or its
counsel, be unlawful.

All authority herein
conferred or agreed to be conferred shall survive the death or incapacity of
the undersigned and every obligation of the undersigned hereunder shall be
binding upon the heirs, executors, administrators, personal representatives,
trustees in bankruptcy, legal representatives, successors and assigns of the
undersigned.

	
  Name(s) of Registered
  Holder(s):

  	
   

  
	
   

  
	
  Please Print

  
	
  Address(es):

  	
   

  
	
   

  	
   

  
	
  Area Code and
  Tel. No(s):

  	
   

  
	
   

  x

  	
   

  
	
   

  x

  	
   

  
	
   

  	
  Signature(s) of
  Owner(s) or Authorized Signatory

  
				

 

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Must
be signed by the registered holder(s) of the tendered Outstanding Notes as
their name(s) appear(s) on certificates for such tendered Outstanding
Notes, or on a security position listing, or by person(s) authorized to
become registered holder(s) by endorsement and documents transmitted with
this Notice of Guaranteed Delivery. If signature is by a trustee, executor,
administrator, guardian, attorney-in-fact, officer or other person acting in a
fiduciary or representative capacity, such person must set forth his or her
full title below.

	
  Certificate No(s)

  (if available)

  	
   

  	
  Aggregate Principal

  Amount Represented

  by Certificate

  	
   

  	
  Aggregate Principal

  Amount Tendered

  
	
   

   

  	
   

  	
   

  	
   

  	
   

  
	
   

   

  	
   

  	
   

  	
   

  	
   

  
	
   

   

  	
   

  	
   

  	
   

  	
   

  
	
   

   

  	
   

  	
   

  	
   

  	
   

  

 

If Outstanding Notes will
be delivered by book-entry transfer to The Depository Trust Company, provide
the following information:

	
  Signature:

  	
   

  
	
   

  Account Number:

  	
   

  
	
   

  	
   

  
	
  Date:

  	
   

  
				

 

THE GUARANTEE ON THE
REVERSE SIDE MUST BE COMPLETED

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GUARANTEE

(Not to be used for signature guarantee)

The undersigned, a firm or other entity identified in Rule 17Ad-15
under the Securities Exchange Act of 1934, as amended, as an “eligible
guarantor institution,” including (as such terms are defined therein):  (i) a bank; (ii) a broker, dealer,
municipal securities broker, municipal securities dealer, government securities
broker, government securities dealer; (iii) a credit union; (iv) a
national securities exchange, registered securities association or clearing
agency; or (v) a savings association that is a participant in a Securities
Transfer Association recognized program (each of the foregoing being referred
to as an “Eligible Institution”), hereby guarantees delivery to the Exchange
Agent, at one of its addresses set forth above, either certificates for the
Outstanding Notes tendered hereby, in proper form for transfer, or confirmation
of the book-entry transfer of such Outstanding Notes to the Exchange Agent’s
account at The Depository Trust Company (“DTC”), pursuant to the procedures for
book-entry transfer set forth in the Prospectus, in either case together with
one or more properly completed and duly executed Letter(s) of Transmittal
(or facsimile thereof or an Agent’s Message in lieu thereof) and any other
documents required by the Letter of Transmittal, all within three (3) business
days after the date of execution of this Notice of Guaranteed Delivery.

The undersigned
acknowledges that it must communicate the guarantee to the Exchange Agent and
must deliver the Letter of Transmittal and certificates for the Outstanding
Notes tendered herby to the Exchange Agent within the time period shown hereon
and that failure to do so could result in a financial loss to the undersigned.

	
  Firm

  	
   

  	
  Authorized
  Signature

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Name:

  
	
  Address

  	
   

  	
   

  	
  (Please Type or
  Print)

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Title:

  	
   

  
	
  Zip Code

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Dated: ___________________________, 2007

  

 

Area Code and Tel. No.:
_____________________________________________________________________

DO NOT SEND CERTIFICATES FOR OUTSTANDING NOTES WITH
THIS NOTICE OF GUARANTEED DELIVERY. ACTUAL SURRENDER OF OUTSTANDING NOTES MUST
BE MADE PURSUANT TO, AND BE ACCOMPANIED BY, A PROPERLY COMPLETED AND DULY
EXECUTED LETTER OF TRANSMITTAL AND ANY OTHER REQUIRED DOCUMENT.

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