Jason Fleming

I got the honor of being able to participate in the Hollidazzle parade this year! My girlfriend and I were snowflakes during the Saturday evening parade. I have never been a part of something like this. All I can say is amazing!!! There was 1,000's and 1,000's of people lined on both sides of Nicollet Avenue in downtown Minneapolis. There was an electricity in the crowd like a playoff football or hockey game. If you have never had a chance to be a part of it, I would strongly recommend it.

I think even better than being in it myself, was getting a good friend of mine and his two boys in the parade. They were Tom Sawyer, Huck Finn, and Sherlock Homes. Just the look on the two little boys faces made my night. I will hopefully have some pictures to add sometime soon.

Are Annuities Right For You?

If you are looking at options for diversifying your retirement savings, consider annuities. Annuities offer a variety of choices to help meet your investment needs and are a smart addition to an existing pension plan or Social Security benefits.

Two Types of Annuities:

· Fixed Annuities have a fixed rate of interest with a guaranteed minimum interest rate. The interest rate is declared periodically and may increase or decrease, but will not fall below the guaranteed interest rate.

· Variable Annuities offer a range of subaccounts typically comprised of stocks, bonds and/or money market investments. The performance of the subaccounts determines your earnings and there is no minimum guaranteed return. Variable annuities can offer greater potential for growth but at a higher assumed risk of losing principal.

Attractive Features:

· Save Money Tax-Deferred- Annuities can help you save for retirement on a taxdeferred basis. You pay no taxes on your earnings until you begin to withdraw your money.

· Retirement Income that Meets Your Timeline - Annuities can be set-up to provide lifelong income or pay you for a specified period of time. You can elect an immediate income payment or a deferred income payment which begins at a future date, such as retirement and in the manner you specify.

· Flexible Payment Options - An annuity can be funded in one lump-sum premium payment or at your convenience in the amount you choose (subject to policy minimums and after an initial premium payment is made).

· Beneficiary Options - An annuity can provide death benefits directly to a designated beneficiary, avoiding probate and possible additional costs.

According to the Social Security Administration, the average monthly benefit in January 2007 was just over $950. That's little more than $11,000 per year.1 Employer-sponsored retirement plans such as a 401(k) are important in preparing for retirement, but annual contributions to these plans are limited. You may find a Farm Bureau annuity can help ensure you are financially prepared for your retirement years.

1 Social Security Administration, Monthly Statistical Snapshot, www.ssa.gov (January 2007)

Tips brought to you by Jason Fleming, Career Agent with Farm Bureau Financial Services. For more information on auto, home, life, college and retirement funding products and services, call Jason Fleming at 763-780-6867.

# # # # #

Registered Representative / Securities and Servi ces offered through EquiTrust Marketing Services, LLC*, 5400 University Ave, West Des Moines, IA 50266, 877/860/2904, Member SIPC.

Variable product subaccounts are subject to market risk and possible loss of principal. This and other important information is contained in the prospectus, which can be obtained from a Registered Representative and should be read carefully before you invest or pay money. Investors should consider the investment objectives, risks, charges, and expenses of a fund carefully before investing.

Farm Bureau Life Insurance Company* and Farm Bureau Mutual Insurance Company*/West Des Moines, IA.

+Affiliated, and Companies of Farm Bureau Financial Services

Identity theft is the number one fraud complaint in the United States, according to the Federal Trade Commission,1 and it's also America's fastest growing crime.2 Because of this growing crime trend, consumers surveyed said identity theft insurance was second only to auto insurance on their wish list of products their insurance provider should offer.3 dentity Services and Fraud Expense Coverage is available with your Farm Bureau Member's Choice property and liability coverage.4 It costs only $25 per year, and the coverage includes $25,000 of Fraud Expense Coverage, One-on-One Resolution Assistance - which provides a fraud specialist as your personal advocate to guide you through the resolution process - and a number of proactive Identity Services such as Identity Credit Monitoring and Identity Document Recovery to ensure rapid replacement of personal, legal and financial documents and notification to insurance companies, employers and financial institutions in the event of a natural disaster. Talk to your Farm Bureau agent today for more information.

Protecting Yourself from Identity Theft

There are some measures you can take to help protect yourself from becoming a victim of identity theft or fraud.

Early detection of identity fraud may help prevent greater losses, so check your credit reports with all three of the credit- monitoring services at least annually.5 Once a year, you can get a free report from all three credit bureaus at www.annualcreditreport.com.

Monitor your credit

Use secure Web sites when shopping online. A Web address that begins with "https" indicates the credit card information will be encrypted or secure. It's a good idea to designate one credit card for online purchases for easier tracking of activity.

Online security

Keep credit cards and personal documents that you don't use regularly, like your passport or birth certificate, in a safe place. Carry only the credit/debit cards you need, and don't carry your Social Security card. Taking these precautions could help protect one of your most important assets - your good name. Talk to your Farm Bureau agent today about adding identity theft protection to your insurance coverage.

Safeguard personal documents

1 "Consumer Fraud and Identity Theft Complaint Data," January -December 2005, http://www.consumer.gov/sentinel/pubs/Top10Fraud2005.pdf, visited January 29, 2008.

2 "Identity Theft is America's Fastest Growing Crime," U.S. Postal Inspection Service, http://usps.com/postaldinspectors/idthft_ncpw.htm, visited January 29, 2008.

3 "Study: Homeowners express great interest in insurance providers offering coverage for identity theft," www.namic.org/topnews/061031st1.asp, posted October 31, 2006, visited March 11, 2008.

4 Farm Bureau Member's Choice coverage and Identity Services and Fraud Expense Coverage only available in AZ, IA, KS, MN, NE, NM, SD, UT.

5 TransUnion, www.transunion.com; Equifax, www.equifax.com; and Experian, www.experian.com.

Tips brought to you by Jason Fleming, Career Agent with Farm Bureau Financial Services.

For more information on auto, home, life, college and retirement funding products and services, call Jason Fleming at 763-780-6867.

# # # # #

Products offered through Farm Bureau Life Insurance Company* and Farm Bureau Mutual Insurance Company*/West Des Moines, IA. *Companies of Farm Bureau Financial Services

What To Do If You Are in an Automobile Accident

You're running late and stuck in bumper-to-bumper traffic. All of a sudden....CRASH! You've just been rear-ended. You know you need to get the other driver's insurance information...but what else?

Here's a quick checklist of things to do if you're in an accident:

1) Be prepared. Have paper, pen, a disposable camera, plus proof of insurance and your agent's phone number handy in your glove box.

2) Call an ambulance if anyone is hurt and the fire department if you smell gas or see leaking gas.

3) Call the police. It's important to have a police report to back up your claim. If officers come, get names, badge numbers and request a copy of the report.

4) Don't move your vehicle unless it is a hazard to other vehicles. Leaving it in place allows police officers to record the exact position of the vehicles when they crashed. Also, try to take photos if possible.

5) Never admit fault or say anything about who is at fault.

6) Take notes while your memory is fresh. Note the speed of the vehicles involved and how the accident happened.

7) Get personal data from the other party(s) involved including license plate number, year, make and model of all cars. Also, get contact information for their insurance agent, insurance company. Try to obtain names, addresses and phone numbers of any passengers and witnesses.

8) Report the claim to your carrier and agent as soon as possible. Make sure you have your policy number, telephone number, location of accident, name of investigating officer, contact information for other parties involved and where the accident vehicle is located for inspection.

Tips brought to you by Jason Fleming, Career Agent with Farm Bureau Financial Services. For more information on auto, home, life, college and retirement funding products and services, call Jason Fleming at 763-780-6867.

# # # # #

Life insurance products offered through Farm Bureau Life Insurance Company*/West Des Moines, IA.

Property-casualty insurance products offered through Farm Bureau Mutual Insurance Company*/West Des Moines, IA and Western Agricultural Insurance Company* /West Des Moines, IA

*

Affiliated, and companies of Farm Bureau Financial Services

Term or Permanent?

Depending on the type of life insurance protection you select, term or permanent, your options vary.

Term Life insurance is purchased for a specified period of time based on your needs.

You pay a premium and, if you die during the term period, your beneficiaries are paid the amount of the policy. Often times, individuals buy term policies based on a specific funding need. For example, you may buy a 20 year term policy to help fund your child's education in the event you pass away. A term policy may also be a good idea if you have a large amount of debt that will need to be paid in the event of your death.

Permanent Life insurance can provide lifetime protection as long as your premiums are

paid. Some permanent life insurance products ha ve guaranteed premiums that remain the same for the duration of coverage. Other permanent life policies have flexibility in premium amount as long as it's enough to maintain coverage. As you pay premiums, your policy accumulates cash value, which grows on a tax-deferred basis.

Talk with your insurance agent about appropriate life insurance options for you. He or she can help you tailor a policy to meet your needs. Set up an appointment to discuss your needs today!

Tips brought to you by Jason Fleming, Career Agent with Farm Bureau Financial Services. For more information on auto, home, life, college and retirement funding products and services, call Jason Fleming at 763-780-6867.

# # # # #

Products offered through Farm Bureau Life Insurance Company* and Farm Bureau Mutual InsuranceCompany*/West Des Moines, IA.

*

Companies of Farm Bureau Financial Services