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Annuities

Enjoy a no-fee 40% boost with SmartBoost™ Index

Fixed index annuity with 40% boost

Grow your retirement savings and secure your legacy

SmartBoost Index is a fixed index annuity (FIA) with a 40% patent-pending boost designed to guarantee growth of your retirement savings and help you leave a secure legacy.

SmartBoost Index guarantees1 the value of your annuity will grow by at least 40% over 10 years — no matter what the market does.

SmartBoost Index features

  • Underlying guarantee1 on the growth of the Accumulation Value of 40% after 10 years, building your savings for the future
  • A no-fee 40% boost to your annuity’s death benefit2 to secure your legacy
  • Protection of your principal and earnings from market loss, also known as “downside protection”
  • Tax-deferred earnings

Backed by a 40% minimum growth guarantee, SmartBoost Index delivers long-term value you can count on — with no guesswork. Your 40% boost is fully vested and all yours after 10 years.


How does an FIA work?

Your money grows through earnings based on the movement of market indices
You choose index accounts and crediting strategies
On contract anniversaries, “index credits” are applied to your contract’s value

You share only in index gains — not the losses.

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1 Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company.

2 During the first 10 contract years, if death benefit is taken as monthly payments over 60 months. If taken as a lump sum, the death benefit is equal to the Vested Enhanced Accumulation Value, which is the greater of the Accumulation Value (AV) and the Vested Guaranteed Enhanced Accumulation Value. Once the AV exceeds the Guaranteed Enhanced Accumulation Value, the lump sum death benefit is equal to the AV for all payment options.

Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. SmartBoost Index contract issued on Contract Form Series ET-SBA-2000(01-25) or ICC25-ET-SBA-2000(01-25). Riders issued on Form Series 430-NHW(08-03) or ICC18-430-NHW(06-18) and ET-TI-SBA(01-25) or ICC25-ET-TI-SBA(01-25).