MONTHLY OVERVIEW 

 August 2025 

 All-Product Summary 

SMARTBOOST^TM INDEX IS HERE 

NEW FIA WITH

Fixed index annuity with a guaranteed¹ minimum of 40% Accumulation Value growth over 10 years

Day-one 40% BOOST on premium for the death benefit²

More state approvals for SmartBoost Index

Now available for sale in Illinois, Montana, Ohio, Pennsylvania and Vermont! Get the full list of available states.

EquiTrust earns 2025 Ward’s recognition

For the tenth consecutive year, EquiTrust has been recognized on the Ward’s 50 list of top performers in the life and health insurance industry.

Partial Tax Conversion illustration supplement available

This new illustration supplement makes it easy to spotlight the power of SmartBoost Index's 40% BOOST to ease the tax burden in conversions. 

Office closure

EquiTrust offices will be closed for Labor Day on Monday, September 1, 2025.

Get more from EquiTrust

Download the agent mobile app! 

Premium bonus special

Additional 3% bonus on all EquiTrust bonus products for applications received through September 30, 2025.

 Sales ideas recap 

Sales ideas sent to you in August issues of Sales Week: 

• Two BIG reasons to sell MarketTen Bonus Index

• Sell smarter with a 40% boost

• No interview, no problem! Everyone’s approved for Bridge LTC coverage!

• NEW – No-fee 40% BOOST indexed annuity!

 Administrative news briefs 

Updated Tax Conversion Service Request Form (ET-Conversion) now available

Clients can use this form to convert their Traditional, SEP or SIMPLE IRA to a Roth IRA, or their Inherited IRA to a tax-deferred Non-Qualified contract. It can be used for any EquiTrust Qualified, inforce deferred annuity contract. The form is not available for Stretch IRAs.

Important tax withholding update

• Tax withholding is not available for SmartBoost Index.
• For all other products:
  • If converting systematically over a period of years: A minimum of three years is required if the contract is less than five years old and withholding is elected.
  • If electing a specific dollar amount to be converted: If the contract is less than five years old and withholding is elected, the amount converted each year must be less than or equal to one-third (33%) of the current contract value.

Required Minimum Distribution (RMD) reminder

When assisting clients with RMDs, please ensure they use the most current Required Minimum Distribution Form (ET-2512).

Updated distribution forms available 

All of the latest distribution forms now reflect recent W-4 language revisions. Outdated forms will no longer be accepted after October 31, 2025.

 866-598-3694  •  Sales.Support@EquiTrust.com  •  Agents.EquiTrust.com 

Proud member of:

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 for 60 months. Assuming no withdrawals. 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.

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).

EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

2513-GEN-EM-MO (08-25)

FOR FINANCIAL PROFESSIONAL USE ONLY