A Bonus FIA Built for the California Market.
Smart Start Accumulator Plus combines immediate premium enhancement potential, a guaranteed first-year interest floor on tailored allocations, and 100% downside protection from index losses
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Start With More. Protect the Downside.
Premium enhancements and rates shown are based on the California rate sheet dated July 7, 2026 and are subject to change. Commission and bonus-vesting details are subject to current carrier rules and contract provisions.
Three Features That Set the Story Apart.
Smart Start Accumulator Plus is designed to help clients begin with an immediate enhancement, simplify allocation decisions, and establish a guaranteed first-year foundation.
Premium Enhancements
Choose between a 14% enhancement without a fee or a 25% enhancement with a 1.00% annual rider charge. The enhancement is applied directly to the annuity value.
Tailored Allocations
Conservative, Moderate, and Aggressive allocation options use pre-selected combinations and automatically rebalance each contract anniversary.
Smarter Start Guarantee
Tailored allocations receive a 6.00% first-year interest credit floor. If the applicable strategies earn more, the higher earned credit applies. Custom allocations are not eligible.
Match the Starting Boost to the Client.
Both options are available only with Smart Start Accumulator Plus and are designed to increase the annuity value from day one.
14% Enhancement
An immediate 14% addition to the initial premium with no rider charge.
Annual free withdrawal: Up to 10% of the annuity value, subject to contract provisions.
25% Enhancement
A 25% addition to the initial premium with a 1.00% annual rider charge.
Annual free withdrawal: 10%, with unused eligibility carrying forward to the next year for a maximum of 20%, subject to contract provisions.
Flexible Ways to Build the Allocation.
Clients may select one of three tailored allocations or create a custom allocation using the available fixed and indexed strategies. Money is not directly invested in an index or the stock market.
Tailored Portfolio Options
Conservative, Moderate, and Aggressive options are designed to provide different balances of stability and accumulation potential. Each option is automatically rebalanced every anniversary and is eligible for the Smarter Start Guarantee.
Custom Allocation Option
Clients can customize allocations among the declared-rate and indexed strategies. Custom allocations are automatically rebalanced each anniversary but do not receive the Smarter Start Guarantee.
Downside Protection
Index-linked interest credits will not be less than 0%, although the annuity value may be affected by rider charges, withdrawals, surrender charges, premium-enhancement recapture, and any applicable market value adjustment.
California Contract Structure
California uses a 9-year surrender-charge schedule. Full annuity value is available without surrender charges after the applicable surrender-charge period, subject to contract terms.
- S&P 500® Index Point-to-Point with Cap
- S&P 500® Dynamic Intraday TCA Index Point-to-Point Uncapped
- S&P MARC 5% Excess Return Index Point-to-Point Uncapped
- Invesco QQQ Portfolio Plus Index Point-to-Point Uncapped
- Morningstar® Global Wide Moat VC 7 IndexSM Point-to-Point Uncapped
- Declared Rate Strategy
Understand the Product. Design the Case. Move Forward.
EverVest helps you evaluate the enhancement options, prepare the right illustration, and get the approved resources needed to present Smart Start Accumulator Plus accurately.
Get the Marketing Kit & Sample Illustration
Request the approved product materials, current California rate information, and a sample illustration to help you evaluate and present the opportunity.