1 During the first 10 contract years, if death benefit is taken as monthly payments for 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 the SmartBoost Index contract for complete details.
2 Measured in 10-year increments. Based on 1/1 issue date.
3 For illustrative purposes only. Past performance does not assure future results. The annualized returns for the participation index account assumes the current 50% participation rate applied consistently for the example period. Participation rates can change annually, and the example participation rate may not reflect participation rates available during this period. Withdrawals do not participate in index growth in the current contract year.
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.
