As clients gain a clearer picture of their annual income and tax bracket, year-end is a timely opportunity to explore how Roth IRA conversions could help them manage their tax exposure and build tax-free retirement income.

And with Americans holding $15.9 trillion in Traditional IRAs,¹ the opportunity to start those conversations is substantial.

Roth conversions made easy

Our Partial Tax Conversion (PTC) program simplifies the process by:

• Converting through just one mirrored contract
• Offering clients the flexibility to convert at their own pace

It's not just for Roth IRAs. Your clients can also use the PTC program to convert an Inherited IRA to a Non-Qualified contract.

Plus, with SmartBoost™ Index’s 40% BOOST, clients can fully offset conversion taxes at any tax bracket — and take advantage of accumulation potential and protection from market downturns.

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Have a client who could benefit from our PTC program? Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com.

EquiTrust new business processing
standards = 5-8 business days

(For in-good-order business, from application received to issue or request transfer of funds.)

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

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¹ “2026 Investment Company Fact Book,” Investment Company Institute; April 2026; https://www.ici.org/system/files/2026-04/2026-factbook.pdf.

SmartBoost Index contract issued on Contract Form Series ET-SBA-2000(01-25) or ICC25-ET-SBA-2000(01-25). EquiTrust does not offer investment or tax advice and this material should not be construed as such. Withdrawals of earnings may be subject to income tax if the Roth account is fewer than five years old at the time of the withdrawal. The owner is required to wait five years and until age 59½ before distributions are tax-free. Distributions are reportable, but not taxable, assuming all IRS rules have been met. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines Iowa.

3614-GEN-EM-SW (11-26)

FOR FINANCIAL PROFESSIONAL USE ONLY