Document:

Exhibit 4.10  

        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.  

June 16, 2004

 

To
Brokers, Dealers, Commercial Banks,

Trust Companies and Other Nominees: 

        We are enclosing herewith an offer by FBL Financial Group, Inc., an Iowa corporation (the "Company"), to exchange the Company's new 5.85% Senior Notes Due 2014 (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 5.85% Senior Notes Due 2014 (the "Original Notes"),
upon the terms and subject to the conditions set forth in the accompanying Prospectus dated June 16, 2004 (as the same is amended and supplemented from time to time, the "Prospectus"), and
related Letter of Transmittal (which together with the Prospectus constitutes the "Exchange Offer").

 

        The
Exchange Offer provides a procedure for holders to tender the Original Notes by means of guaranteed delivery. 

        The Exchange Offer will expire at 5:00 p.m., New York City time, on July 16, 2004, unless extended (the "Expiration Date"). Tendered Original Notes may be withdrawn at any
time prior to 5:00 p.m., New York City time, on the Expiration Date, if such Original Notes have not previously been accepted for exchange pursuant to the Exchange Offer.

        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 Original Notes may be offered for resale, resold and otherwise transferred by a
holder thereof (other than a holder that 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 Holding Corporation," SEC No-Action Letter (available May 13, 1988). 

        Accordingly,
each broker-dealer that received 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. 

        The
Exchange Offer is not conditioned on any minimum aggregate principal amount of Original Notes being tendered. Original 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. 

        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 Original Notes and may terminate the Exchange Offer (whether or not any Original 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. 

        For
your information and for your forwarding to your clients for whom you hold Original Notes registered in your name or in the name of your nominee, we are enclosing the following
documents:

 

	1.
	A
Prospectus dated June 16, 2004 relating to the Exchange Offer.

	2.
	A
Letter of Transmittal for your use and for the information of your clients.

	3.
	A
printed form of letter which may be sent to your clients for whose accounts you hold Original Notes registered in your name or in the name of your nominee, with space provided for
obtaining such clients' instructions with regard to the Exchange Offer.

	4.
	Guidelines
for Certification of Taxpayer Identification Number on Substitute Form W-9 of the Internal Revenue Service (included in the Letter of Transmittal after
the instructions thereto). 

        WE
URGE YOU TO CONTACT YOUR CLIENTS AS PROMPTLY AS POSSIBLE. 

        Any
inquiries you may have with respect to the Exchange Offer may be addressed to, and additional copies of the enclosed materials may be obtained from, the Exchange Agent at the
following telephone number: 1-800-735-7777. 

Very
truly yours, 

FBL
Financial Group, Inc. 

NOTHING
CONTAINED HEREIN OR IN THE ENCLOSED DOCUMENTS SHALL CONSTITUTE YOU AS THE AGENT OF THE COMPANY, THE EXCHANGE AGENT OR ANY OTHER PERSON, OR AUTHORIZE YOU OR ANY OTHER PERSON TO USE ANY DOCUMENT
OR MAKE ANY STATEMENT ON BEHALF OF ANY OF THEM IN CONNECTION WITH THE EXCHANGE OFFER OTHER THAN THE DOCUMENTS ENCLOSED HEREWITH AND THE STATEMENTS CONTAINED THEREIN. 

2Exhibit 4.11  

        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.  

June 16, 2004

 

To
Our Clients: 

        Enclosed for your consideration are the Prospectus, dated June 16, 2004 (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 5.85% Senior Notes Due 2014 (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 5.85% Senior Notes Due 2014 (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. New
York City time, on July 16, 2004, 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
interst has been paid, from April 12, 2004.

	2.
	Based
on an interpretation by the staff of the Division of Corporation Finance of the Securites 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 & Sterline," 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., New York City 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. 

2

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