For Producer Use Only

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.

WHAT IS SMARTBOOST INDEX?

SmartBoost Index is a new kind of fixed index annuity (FIA). It offers a 40% patent-pending BOOST to help clients secure guaranteed accumulation growth and protect their money.

With SmartBoost Index, clients can:

  • Enjoy the earning potential of an FIA with guaranteed minimum growth of 40% over 10 years
  • Benefit from the strong accumulation potential of higher cap and participation rates
  • Get an immediate 40% BOOST on the death benefit for their loved ones
  • Convert to a Roth IRA, with the BOOST offsetting the taxes

It’s a simple way to help your clients ensure growth of their savings — and leave more for the people they care about.

KEY FEATURES

Enhanced Accumulation Value
Benefits of a BOOST
Boosted Guarantees
Legacy with a BOOST
Ongoing growth

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.

   

SALES OPPORTUNITIES

SMARTBOOST INDEX IN ACTION

While plenty of FIAs offer a premium bonus — whether with a fee or without — SmartBoost Index is the only FIA that provides a BOOST. When it’s put into action, SmartBoost Index goes to work to help your clients grow savings, navigate market ups and downs, and leave a legacy built to endure.

  

KEY DEFINITIONS

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%
Approved Approved with Variations Not approved
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CALCULATOR AND ILLUSTRATIONS

%
$
End of Year
Guaranteed Enhanced Accumulation Value (GEAV)
Vested Guaranteed Enhanced Accumulation Value (Vested GEAV)
Accumulation Value (AV)
Vested Enhanced Accumulation Value (Vested EAV)
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MARKETING MATERIALS

Agent Materials

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SmartBoost Agent Guide

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SmartBoost Competitive Advantages Flyer

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SmartBoost Case Study

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SmartBoost Bonus / Boost Comparison Flyer

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SmartBoost Sales Opportunities

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SmartBoost Key Terms

Client Materials

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SMARTBOOST WEBINARS

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 Application

GETTING 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
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