1 Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company
2 The BOOST will be adjusted for withdrawals taken in the first 10 contract years.
3 During the first 10 contract years, if death benefit 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.
The death benefit may be limited in some states. See SmartBoost Index contract for additional details. 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). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.