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    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0001055367</cik>
          <ccc>XXXXXXXX</ccc>
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      <flags>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <investmentCompanyType>N-4</investmentCompanyType>
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          <classId>C000019813</classId>
        </classInfo>
        <classInfo>
          <classId>C000061844</classId>
        </classInfo>
      </reportClass>
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    <generalInfo isReportPeriodLt12="N" reportEndingPeriod="2018-12-31"/>
    <registrantInfo>
      <registrantFullName>EquiTrust Life Annuity Account</registrantFullName>
      <investmentCompFileNo>811-08665</investmentCompFileNo>
      <registrantCik>0001055367</registrantCik>
      <registrantLei>254900KN2LIUB6BXJU67</registrantLei>
      <registrantstreet1>5400 University Ave</registrantstreet1>
      <registrantcity>West Des Moines</registrantcity>
      <registrantzipCode>50266-5997</registrantzipCode>
      <registrantstate>US-IA</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>515-225-5400</registrantphoneNumber>
      <websites>
        <website webpage="N/A"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>Farm Bureau Life Insurance Company, third party administrator</officeName>
          <officeAddress1>5400 University Avenue</officeAddress1>
          <officeCity>West Des Moines</officeCity>
          <officeStateCountry officeState="US-IA" officeCountry="US"/>
          <officeRecordsZipCode>50266</officeRecordsZipCode>
          <officePhone>515-225-5400</officePhone>
          <booksRecordsDesc>Records required to be maintained according to the Company's record retention policy, include policyowner files, orders for fund shares, daily unit value computations, bank account records, reconciliation and exception reports, journals and auxiliary ledgers reflection all asset liability and advertising files.</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>Y</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <registrantFamilyInvComp familyInvCompFullName="ETL-VA/VUL" isRegistrantFamilyInvComp="Y"/>
      <registrantClassificationType>N-4</registrantClassificationType>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Shawna Pope attorney-in-fact for variable accounts of EquiTrust Life Insurance Company</ccoName>
          <crdNumber>N/A</crdNumber>
          <ccoStreet1>5400 University Ave</ccoStreet1>
          <ccoCity>West Des Moines</ccoCity>
          <ccoStateCountry ccoState="US-IA" ccoCountry="US"/>
          <ccoZipCode>50266</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="FBL Financial Group, Inc." ccoEmployerId="42-1411715"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <releaseNumbers isExemptionFromAct="Y">
        <releaseNumberInfo releaseNumber="IC-24079"/>
        <releaseNumberInfo releaseNumber="IC-21134"/>
        <releaseNumberInfo releaseNumber="IC-2178"/>
        <releaseNumberInfo releaseNumber="IC-19989"/>
        <releaseNumberInfo releaseNumber="IC-16188"/>
        <releaseNumberInfo releaseNumber="IC-14714"/>
        <releaseNumberInfo releaseNumber="IC-15262"/>
        <releaseNumberInfo releaseNumber="IC-23320"/>
        <releaseNumberInfo releaseNumber="IC-6332"/>
      </releaseNumbers>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>FBL Marketing Services LLC</principalUnderwriterName>
          <principalUnderwriterFileNumber>8-15855</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000005309</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>N/A</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterState="US-IA" principalUnderWriterCountry="US"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>Ernst &amp; Young LLP</publicAccountantName>
          <pcaobNumber>42</pcaobNumber>
          <publicAccountantLei>N/A</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantState="US-IA" publicAccountantCountry="US"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
    </registrantInfo>
    <unitInvestmentTrust>
      <depositors>
        <depositor>
          <depositorName>EquiTrust Life Insurance Company</depositorName>
          <depositorCrdNo>N/A</depositorCrdNo>
          <depositorLei>N/A</depositorLei>
          <depositorStateCountry depositorState="US-IA" depositorCountry="US"/>
          <depositorUltimateParentname>FBL Financial Group</depositorUltimateParentname>
        </depositor>
      </depositors>
      <uitAdmins>
        <uitAdmin>
          <uitAdminName>Farm Bureau Life Insurance Company</uitAdminName>
          <uitAdminLei>N/A</uitAdminLei>
          <uitAdminStateCountry uitAdminState="US-IA" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>N</isUitAdminSubAdmin>
        </uitAdmin>
        <uitAdmin>
          <uitAdminName>TransCentra, Inc a line of business of Exela Technologies, Inc</uitAdminName>
          <uitAdminLei>N/A</uitAdminLei>
          <uitAdminStateCountry uitAdminState="US-TX" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>Y</isUitAdminSubAdmin>
        </uitAdmin>
        <uitAdmin>
          <uitAdminName>Conduent FNIS</uitAdminName>
          <uitAdminLei>N/A</uitAdminLei>
          <uitAdminStateCountry uitAdminState="US-IA" uitAdminCountry="US"/>
          <isUitAdminAffiliated>N</isUitAdminAffiliated>
          <isUitAdminSubAdmin>Y</isUitAdminSubAdmin>
        </uitAdmin>
      </uitAdmins>
      <isUitAdminHiredTerminated>N</isUitAdminHiredTerminated>
      <registrantSeparateInsuranceAccount isRegistrantSeparateInsuranceAccount="Y" separateAccountSeriesId="S000007217"/>
      <numOfContracts>412</numOfContracts>
      <contractSecurities>
        <contractSecurity separateAccountSecurityName="Individual Flexible Premium Deferred Variable Annuity Contract                            " separateAccountContractId="C000019813" numContractsSold="0" numContractsAffected="0" numContractsAffectedRedeemed="0" separateAccountTotalAsset="20610734.66" grossPremiumReceived="276692.41" grossPremiumReceivedSection1035="0" contractValueRedeemed="2225800.19" contractValueRedeemedSection1035="0"/>
        <contractSecurity separateAccountSecurityName="Variable Annuity Contract         " separateAccountContractId="C000061844" numContractsSold="0" numContractsAffected="0" numContractsAffectedRedeemed="0" separateAccountTotalAsset="1026013.32" grossPremiumReceived="21458.00" grossPremiumReceivedSection1035="0" contractValueRedeemed="16719.45" contractValueRedeemedSection1035="0"/>
      </contractSecurities>
      <isRule6C7Reliance>N</isRule6C7Reliance>
      <isRule11A2Reliance>N</isRule11A2Reliance>
    </unitInvestmentTrust>
    <attachmentsTab>
      <isLegalProceedings>false</isLegalProceedings>
      <isProvisionFinancialSupport>false</isProvisionFinancialSupport>
      <isIPAReportInternalControl>false</isIPAReportInternalControl>
      <isChangeAccPrinciples>false</isChangeAccPrinciples>
      <isInfoRequiredEO>false</isInfoRequiredEO>
      <isOtherInfoRequired>false</isOtherInfoRequired>
    </attachmentsTab>
    <signature registrantSignedName="EquiTrust Life Annuity Account" signature="Shawna Pope" title="Director-Insurance Compliance" signedDate="2019-03-15"/>
  </formData>
</edgarSubmission>
