Some crediting strategies are based on the Goldman Sachs Dynamo Strategy Index (the “Index”) – a “multi-asset index” which allocates among several asset classes (equity, fixed income, commodity, real estate and cash) and features a “risk-control” element. The Index is customized exclusively for EquiTrust.
Premium is not invested directly in the Index or underlying components; rather, index credits are linked to returns of the Index. The goal of the Index is to deliver the highest risk-adjusted returns subject to a target volatility.
The Index uses historical returns and volatilities to determine the allocation across the underlying components on a monthly basis. The index can also allocate to a cash component to help reduce the volatility. The index is designed to deliver:
For more information about the Goldman Sachs Dynamo Strategy Index and current Index allocations, visit www.solactive.com and enter the ticker symbol GSDYNMO5.
The Goldman Sachs Dynamo Strategy Index is sponsored by Goldman Sachs. Any crediting option and the terms related to any such crediting option may be modified or eliminated in the future. EquiTrust life insurance policies are not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively referred to as “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in life insurance products generally or in index life insurance policies or the investment strategy underlying this life insurance contract particularly, the ability of the Goldman Sachs Dynamo Strategy Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Dynamo Strategy Index or the suitability of purchasing or holding interests in this index life insurance policy. Goldman Sachs does not have any obligation to take the needs of the holders of this index life insurance policy into consideration in determining, composing or calculating the Goldman Sachs Dynamo Strategy Index.
GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS DYNAMO STRATEGY INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS INDEX LIFE INSURANCE POLICY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
“Goldman Sachs,” “Goldman,” and “Goldman Sachs Dynamo Strategy Index” are trademarks or service marks of Goldman Sachs & Co. LLC and have been licensed for use by EquiTrust Life Insurance Company for use in connection with certain index life insurance policies.