SmartBoostTM Index
A fixed index annuity with a 40% patent-pending BOOST to provide clients with guaranteed growth and a day-one BOOST to the value of their legacy.
KEY FEATURES
The built-in BOOST is provided via the contract’s Enhanced Accumulation Value (EAV). The EAV provides an immediate 40% BOOST on the premium for the death benefit if taken over 60 months.
SmartBoost Index offers guarantees1 and strong accumulation potential – with no fee for the BOOST. As an FIA, it builds Accumulation Value through interest earned based on market indices, never exposing your clients’ money to downside risk. And SmartBoost Index takes their earnings beyond that, with an underlying guarantee1 on the growth of the Accumulation Value of 40% after 10 years.
Clients can rely on the guarantees1 of SmartBoost Index:
- The value of contract will grow to at least 140% of the initial premium after 10 years2
- A 40% BOOST on the single premium on day 1 for the death benefit3
SmartBoost Index is designed to help your clients pass down a meaningful legacy that holds its value, regardless of market conditions and taxes. Beneficiaries have flexible options to help them maximize the value of the death benefit amount they receive. For the first 10 contract years, the death benefit is 140% of the premium from day one if taken as monthly payments for 60 months. If taken as a lump sum, it’s equal to the Vested Enhanced Accumulation Value. After the first 10 contract years, it’s equal to the Accumulation Value. See Key Definitions for more information.
After 10 years, the 40% BOOST is fully vested and the Accumulation Value will be worth at least 140% of the premium paid. And SmartBoost Index is designed to grow with your clients, helping support the future they’ve envisioned. It continues to build value through interest earned based on the performance of market indices.
RATES, STATE APPROVALS AND VARIATIONS
| Account Options | Current Rate |
|---|---|
| 1-Year Interest | 4.50% |
| S&P 500 1-Year Point-to-Point Cap | 8.00% |
| S&P 500 1-Year Point-to-Point Participation | 50.00% |
| S&P 500 1-Year Point-to-Point Performance Trigger | 6.50% |
| S&P 500 Dynamic Intraday TCA 1-Year Point-to-Point Participation | 70.00% |
CALCULATOR AND ILLUSTRATIONS
MARKETING MATERIALS
Agent Materials
Take me to: Client Materials
Client Materials
SMARTBOOST WEBINARS
Upcoming Webinars
Replays
SmartBoost Index — Partial Tax Conversion illustration supplement
Replay
SmartBoost Index — Unlock guaranteed growth with a no-fee 40% boost
Replay
WRITE AN APPLICATION NOW
Do you have clients looking for guaranteed growth on their retirement savings, a solution to weather market volatility and a way to ensure a lasting legacy? Clients who may need a BOOST to help them recover from market losses? SmartBoost Index could help them meet their objectives.
Start an ApplicationGETTING CONTRACTED
If you’re interested in becoming contracted with EquiTrust so you can share the advantages of SmartBoost Index with your clients, let us know. We can get you connected.
Getting Contracted