ECI Plus Turns One Year Old

July 29, 2024

The Enhanced Choice Index Plus, or ECI Plus, had its one-year anniversary this July. Enhanced features added last year include a new proprietary index, a cap rate crediting option and an optional enhanced death benefit rider. Let’s review some of the product highlights: 

Volatility concerns? We have guaranteed participation rates! 

ECI Plus offers multi-year guaranteed participation rates on several index crediting options — meaning no renewal rates to track. The participation rate will not change during the entire surrender charge period. After the initial guarantee period, the participation rate may change annually. 

IndexECI Plus 5ECI Plus 7ECI Plus 101
S&P 500® Index1 year1 year1 year
S&P MARC 5% ER Index5 years7 years1 year
S&P 500 Daily RC 5% ER Index5 years7 years1 year
S&P 500 ESG Daily RC 5% ER Index5 years7 years1 year
BofA Global MegaTrends Index15 years7 years1 year


Tap into global innovation with the proprietary BofA Global MegaTrends Index1

  • The BofA Global MegaTrends Index is designed to tap into global innovation and long-term growth trends, while using the latest technology to manage risk.
  • It’s made up of four future-focused thematic indices: robotics, the digital economy, millennials and disruptive technology.
  • With next-generation volatility control, the Index uses Salt Financial's truVol® Risk Control Engine and rebalances daily to a 7% volatility target.

Best of 6% or double your interest with Legacy Max1

  • Legacy Max enhanced death benefit rider is offered exclusively on ECI Plus. It offers extra protection as clients pass assets on to their heirs, as well as performance-based growth with built-in guarantees.
  • Take advantage of the unique dual strategy. Legacy Max helps your clients create a legacy for this generation and the next. It offers not one, but two growth components:2
    • 6% annual compounded growth
    • Double the amount of the interest credited to the annuity 

ECI Plus 10-year, Market Value Adjustment feature, and Legacy Max enhanced death benefit rider are not available in California.

More About Sales Insights & Tools
The Legacy Max enhanced death benefit rider offers guaranteed and performance-based growth with no downside risk, so your clients can leave a lasting legacy.
Maximize your earnings with our Internal Transfer Program, offering full commissions on most internal annuity transfers for clients aged 85 and younger. Use our annuity portal to review policies, avoid transfer hassles and earn full first-year commissions while increasing client satisfaction.
The 50/30/20 allocation model using fixed index annuities offers a strategic alternative to the traditional 60/40 portfolio. Find out how FIAs can become a valuable addition to a balanced investment strategy.
Paul Garofoli shares a strategy for clients to leave a legacy without underwriting, using the Legacy Max Enhanced Death Benefit Rider. This approach helps clients convert “live on” assets into “leave on” legacies, ensuring their financial plans benefit future generations.
Concerned about potential declines in long-term yields and participation rates for fixed indexed annuities? Take advantage of the current higher rates offered by the Enhanced Choice Index Plus Series to save your clients thousands before rates drop.
Now might be a great time to consider a fixed index annuity before interest rates drop. The Index Select Annuity 7 offers a 65% participation rate in the S&P 500® Index gains without any downside risk, plus a 5.00% fixed interest crediting option.
Knock your next sales meeting out of the park using “Score Big With Legacy Max.” Find out more about what it is, how to use it and where to find it.

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