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
Offering beneficiary reviews can serve as a conversation starter that helps you deepen client relationships, uncover new needs, and position yourself as a proactive partner in their financial well‑being.
The new Annuity Q&A Playbook is your go‑to tool for FIA questions. This guide helps you have clear, client‑friendly answers that build trust and pave the way to stronger relationships.
Discover how partial index crediting locks in growth and can add valuable benefits for your clients. See an example of how this feature works and the flexibility it offers through life’s changes.
Members of our Annuities team were recently featured in several industry publications, sharing insights on legacy planning, interest rate changes and index product opportunities.
For clients seeking more than fixed rate annuities, consider positioning the ECI Plus FIA as an alternative. This is designed to support retirement savings through guaranteed crediting features even in varying market conditions.
In today’s uncertain market, many clients are looking to protect their savings and grow their funds — ECI Plus delivers both. The innovative Trigger Rate Plus crediting strategy delivers guaranteed earnings no matter what.

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