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Fixed Indexed Annuity

SmartBoost Index Annuity

EquiTrust Life Insurance Company

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8%

Best S&P 500 Annual Cap

7%

Free W/D

49

Available jurisdictions

Product data status: July 16, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what SmartBoost Index Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$295,314
Est. value at age 80 (SmartBoost Index Annuity)
8%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies SmartBoost Index Annuity's published cap rate (8% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how SmartBoost Index Annuity compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company fixed indexed annuity options.

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Live rate data

Run live numbers for SmartBoost Index Annuity

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this EquiTrust Life Insurance Company product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

8% cap on S&P 500

A focused ten-year accumulation FIA with an S&P 500 cap and a single volatility-controlled alternative index.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

An accumulator who values a simple, two-strategy menu and is comfortable with a ten-year surrender commitment.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

7%/yr

Availability

49 jurisdictions (excl. California, New York)

Minimum premium

$10,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 1 additional crediting option (S&P 500)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year accumulation chassis pairs the recognizable S&P 500 with the S&P 500 Dynamic Intraday TCA alternative in a focused two-index menu.
  • Available across 49 jurisdictions.
  • Straight accumulation design — no premium bonus, no optional rider, no rider fee — keeping the contract mechanics simple.

What to confirm

  • Dynamic Intraday TCA is a volatility-controlled excess-return index — its participation rate is not directly comparable to an S&P 500 cap; the engineering reduces both upside and downside.
  • Ten-year surrender ladder; verify the free-withdrawal terms before committing illiquid capital.
  • Accumulation chassis only — no optional income rider; not a fit if lifetime-income guarantees are the goal.

Not ideal for

A buyer who wants a broader index menu, an upfront premium bonus, or lifetime-income guarantees from a rider.

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See how SmartBoost Index Annuity compares for your age, state, premium, and income goals alongside other EquiTrust Life Insurance Company fixed indexed annuity options.

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All crediting strategies

View rate listings (5 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 70% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about SmartBoost Index Annuity

● Can I lose money in SmartBoost Index Annuity?

A negative index return by itself does not reduce the contract's account value: SmartBoost Index Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 7% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do SmartBoost Index Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current SmartBoost Index Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

7%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

ET-SMB-BR-1102-2.PDF

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++
S&PA-
S&PA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

SmartBoost Index Annuity currently shows 5 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 50% annual participation rate
  • Fixed Account: 4.5% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ET-SMB-BR-1102-2.PDF help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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