SUPPLEMENT DATED MAY 12, 2000
TO PROSPECTUS
DATED MAY 1, 2000
for
FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACTS
issued by
EQUITRUST LIFE INSURANCE COMPANY
EQUITRUST LIFE VARIABLE ACCOUNT II
On page 32, in the section titled "General Provisions -
Incontestability," the following is incorporated after the
first sentence:
(If you reside in Arizona, Minnesota, Oklahoma, Oregon
or Wisconsin, there is no exception for fraudulent
statements made in the application or supplemental
applications.)
May 11, 2000 V.1
