Document:

Exhibit 4.12  

        FBL FINANCIAL GROUP, INC.  

OFFER TO EXCHANGE  

$75,000,000 PRINCIPAL AMOUNT OF ITS 5.85% SENIOR NOTES DUE 2014 WHICH HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, FOR ANY AND ALL 5.85% SENIOR NOTES
DUE 2014.  

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:
                                         
       , 2004	
 	

 

	*
	Unless
otherwise indicated, it will be assumed that all of the Outstanding Notes listed are to be tendered.Exhibit 4.13  

        NOTICE OF GUARANTEED DELIVERY
  FOR TENDER OF

5.85% SENIOR NOTES DUE 2014

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 5.85% Senior Notes Due 2014 (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 Deutsche Bank Trust Company Americas (the "Exchange Agent") at DTC,
prior to 5:00 p.m., New York City time, on [                        ], 2004, 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: 

Deutsche
Bank Trust Company Americas

Trust & Securities Services

60 Wall Street

New York, NY 10005

Attention: Corporate Market Services

Phone Number: 1-800-735-7777 

        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
[                        ], 2004 (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 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, 

2

 

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

        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 

3

 
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
	

    
 Address	
 	

Name:	
 	

    
 (Please Type or Print)
	

    
 Zip Code	
 	

Title:	
 	

    

	

 	
 	

Dated:	
 	

    
	

, 2004

	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. 

4

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