What goes up,
doesn't have to go down.
A safe way to grow your money. When the market goes up, you can earn. When it goes down, you do not lose. You keep the gains you get. Your money is not in the stock market.
advantagedOn growth and cash
The stock market can go down. Our plan is built so you don't.
When you put money in the market, it can go up. It can also go down. One bad year can wipe out years of work. That hurts most when you are close to retiring.
SmarterIndex works a new way. Your money is not in the market. When the market goes up, you can earn. When it goes down, you aren't affected. So you do not lose. There are limits on how much you can earn.
- Your money is never in the stock market
- A bad market year gives you zero, not a loss
- You pay less tax as it grows
Up with the index. Flat when it drops. Never backwards.
This chart shows the idea. Your money goes up in good years. It stays flat in bad years. It does not go down.
This is just an example, to help you learn. It is not a promise. Real results can be lower. Limits and costs apply.
Three phases: grow it, protect it, get paid
A simple plan. First you grow your money. Then you keep it safe. Then it pays you for life.
Accumulate
You put money in a life plan. It grows with the market. But it can't go down when the market drops.
- Grows with the market
- Can't lose to the market
- Grows with less tax
Protect
This plan also helps your family. If you pass away, they get money. And a bad market can't take your gains.
- Your family is protected
- You keep your gains
- You can use the cash if you need it
Income
When you retire, your money moves to a new plan. This move is tax-free. Then it pays you each month for life.
- No tax to move it
- No yearly fee on the base plan
- Income for the rest of your life
Built for what you worry about
No market losses
In a bad year, you earn zero. You do not lose. The next crash can't take your gains.
Grows with the market
When the market goes up, you can earn. But your money is not at risk in the market.
Money that never runs out
This plan can pay you every month for life. You will not run out of money.
Tax advantages
Your money grows with less tax. You can often use it tax-free too.
A legacy for your family
If you pass away, your family gets money. Later, the plan pays you.
No yearly fee
The base income plan has no yearly fee. If you add extra options, we tell you the cost first.
Retire with a paycheck, not a guess
Most people retire with a pile of cash. But they don't know how much they can spend. One bad year early on can hurt them for good.
SmarterIndex takes away the guess. Your money is safe as it grows. Then it pays you for life. So you can relax.
People who wanted to grow and stay safe
"I lived through 2008. I lost half my savings. I never wanted that again. Now I can grow my money and not be scared."
"I was nervous about annuities at first. They took the time to explain it in plain words. Now I have income I can count on."
"My advisor made it easy. No big words. No pushing. Just a clear plan for my family and me."
Real relief, in their own words
Illustrative examples for demonstration. Not actual clients.
What people ask first
No. Your money is not in the market. It just follows the market. When the market goes up, you can earn. When it goes down, you earn zero. There are limits on how much you can earn.
You earn zero that year. You do not lose money. You keep the gains you got before. Small plan costs still apply.
Let's be clear. The base income plan has no yearly fee. The life plan does have some costs. Extra options cost more too. We tell you every cost first.
This is a long-term plan. If you take out too much too soon, there can be a fee. So use money you won't need for a while.
See what protected growth could look like for you
Get a personalized SmarterIndex blueprint from a licensed professional. No cost, no obligation, no pressure. Just a clear look at your options.
How SmarterIndex works, step by step
One simple plan with two parts. First, a life plan to grow and protect your money. Then, an income plan to pay you for life.
The strategy at a glance
Grow your money, linked to the index
You put money in a life plan. Your cash grows with the market. There are limits on how much you earn. And it can't go down when the market drops.
- It grows with the market, but is not in it
- A bad market year earns zero, not a loss
- Your cash grows with less tax
Protect your family while your money works
This part is life insurance. So your family is protected while you work. If you pass away, they get money. And a market crash can't take your gains.
- Money for your family if you pass away
- Your gains are safe from a crash
- You can use the cash if you need it
Turn it into a paycheck for life
When you are ready, your money moves to an income plan. This move is tax-free. The base plan has no yearly fee. You can add an option that pays you for life.
- You move your money with no tax
- No yearly fee on the base plan
- Income for the rest of your life
What to understand before you decide
We want you to know the facts. No surprises later. Here they are in plain words.
There are limits
You do not get the full market gain. There are limits on how much you earn. These limits can change.
The plan has costs
The life plan has some costs. They come out of your cash. You must put in enough money. If you don't, the plan can end.
Surrender periods
Both plans have a wait time. If you take out too much too soon, there is a fee. Plan to leave the money in.
The company backs it
The promises are backed by the insurance company. They are not backed by the government.
All your questions, answered
No. Your money is not in the market. It just follows the market. When the market goes up, you can earn. When it drops, you earn zero. There are limits on how much you earn.
In a bad market year, you earn zero, not a loss. So your past gains stay safe. But small plan costs still come out, so the value can dip a little.
The life plan has some costs that come out of your cash. The base income plan has no yearly fee. Extra options cost about 1% a year. We tell you every cost first.
It is a way to move your money from one plan to another with no tax. Here, it moves your money into an income plan. In some cases there can be tax, so we check first.
Both plans have a wait time. If you take out too much too soon, there is a fee. So use money you won't need soon.
The plan needs enough money to work. If you stop paying, the costs can eat the cash and the plan can end. We build a plan to keep it on track.
The promises are backed by the insurance company. They are not backed by a bank or the government. That is why we use strong companies.
It fits best if you won't need the money for ten years or more. And if you want to stay safe and get income for life. It is wrong if you need cash soon or want all the market gains. We will tell you the truth if it does not fit.
We sell safe plans, not the stock market
This is the most important thing to know. It is why the plan works the way it does.
The difference in numbers
Two very different ways to hold money
safe plan
in the market
A simple chart to help you learn. Both ways have trade-offs. Safe plans limit gains and have costs. This is not investment advice.
Why not losing beats a big year
A loss hurts more than a gain helps. If you lose half, you must double it just to get back. That takes years. One bad year can hurt your whole plan.
You give up some of the best years. In return, you skip the worst ones. So your money grows in a smooth, steady way. It is a great base for your income.
See what your money could become
Move the sliders to play with the numbers. See how your money could grow. Then see how it could pay you. This is just to learn. It is not a promise.
How to read this
Your inputs
Change anything you want. Nothing is sent.
This is just an example, to learn. It uses one steady rate. Real plans grow with the market and have limits and costs. The income number uses an example rate. It is not a quote or a promise. Your real numbers will be different.
Learn the plan before you say yes
Easy guides on how to grow and keep your money. Read them. Then you can choose with a clear mind.
Popular topics
The income problem no one warns you about
Why one bad year at the wrong time can hurt you a lot.
Read guide →What a zero floor really means
How the floor keeps you safe. And where small costs still apply.
Read article →Safe plans vs the stock market, made simple
The big difference between being in the market and just following it.
Read guide →How to turn savings into income for life
The tax-free way to move from growth to a paycheck.
Read article →Protect your family and your future in one plan
How money for your family can later become your own paycheck.
Read guide →Questions to ask before you buy any plan
A simple list so you know the limits, costs, and promises first.
Read checklist →The SmarterIndex Guide
All in one place. How the plan works. The good and the bad. The questions to ask. Sent to your inbox, free.
We never sell your information.
Insurance words, made simple
No big terms. Here is what the words really mean.
A list that tracks how a group of stocks is doing, like the S&P 500. Your plan follows it, but your money is not in it.
The lowest your credited growth can go. With a 0% floor, a bad market year gives you zero, not a loss.
The most you can earn in a good year. It is the trade for having a floor that keeps you safe.
A life insurance plan whose cash can grow with an index. It also pays your family if you pass away.
A plan that can pay you a set amount each month, often for life. It is how you turn savings into income.
A rule that lets you move money from one insurance plan to another with no tax, when done right.
A set number of years to leave your money in. Take out too much too soon and there can be a fee.
The money your family gets if you pass away while the plan is active.
Who this is for, and who it's not
SmarterIndex is a long-term plan. It is great for some people. It is wrong for others. Here is the honest truth.
Quick gut check
Is SmarterIndex right for you?
Answer three quick questions. No email needed to see your result.
When will you need this money?
How do you feel about market losses?
What matters most to you?
Great fit
Based on your answers, SmarterIndex looks like a strong match. Get a free plan to see your real numbers.
You may be a strong candidate if…
You're 10+ years from needing it
You have time to let it grow. And time before you need the cash.
Losses keep you up at night
You want to grow. But you can't take another big loss near retirement.
You want guaranteed income
A steady paycheck for life means more to you than a huge return.
You want to protect your family
You like that your family gets money if you pass away.
You're a business owner or saver
You saved a lot already. You want one more safe place to grow it.
You can fund it consistently
You can add money to it often. That keeps the plan strong.
It may not fit if…
You need the money soon
You might need this cash in a few years. Then this is the wrong plan.
You want maximum upside
You want every bit of market gain. Then the market may fit you better.
You can't fund it steadily
You can't add money often. Then this is not the right time.
SmarterIndex is the plan. Everest Advisors is the team.
SmarterIndex is the plan and the guides. Everest Advisors LLC is the team. Our licensed pros build and run the plan for you.
The firm at a glance
Plain English. No pressure. Your interests first.
Too many people buy things they don't understand. We do the opposite. We explain the plan in plain words. We show the good and the bad. Then you choose.
- Licensed pros who work for you, not one company
- We tell you every cost and limit first
- We only say yes when it truly fits you
The principles behind every recommendation
Clarity
If you can't explain it, don't buy it. We make sure you can.
Protection
Growing is good. Not losing is better.
Fit
The right plan for you comes first. Always.
Follow-through
We stay with you for the life of the plan.
Get your free SmarterIndex plan
Answer a few questions. A pro will build a free plan for you. No cost. No push.
What you'll get
Book a free 15-minute call
Pick a time that works. A licensed pro will call you. No cost, no pressure.
Your call is set
We will call you then.
What you'll get
A clear plan, not a sales pitch.
The IMO agents are proud to call home
Top-of-street comp, exclusive lead programs, a full technology stack, and a back office that actually answers the phone. You keep your book. You keep your renewals. We help you write more.
Why producers join
Everything you need to build a practice that lasts
We remove the friction between you and your next placed policy, so you can spend your time with clients, not chasing paperwork.
Top-of-street commissions
Transparent, elevated payouts across the whole shelf, with no hidden overrides skimming your production.
Exclusive lead programs
Financed, filtered, and vetted leads across final expense, mortgage protection, IUL, and annuity.
All-in-one technology
Quote, e-app, underwrite, and track every case from submit to commission in one advisor dashboard.
Free advanced case design
A dedicated desk builds your IUL, annuity, and premium-finance illustrations, at no cost to you.
You own everything
Your book, your renewals, your clients. No production requirements, no vesting cliffs, no captivity.
Back office that moves
A dedicated case manager who knows your name, plus same-day contracting and rapid case handling.
See the difference on paper
Comparison is illustrative and general. Specific terms vary by IMO and by advisor agreement.
See what your production could pay
A rough, illustrative look at annual commission based on your activity. Not a contract or a promise of earnings.
Your activity
Slide to match your practice. Nothing is submitted.
Illustrative only. First-year commission is estimated as policies x average annual premium x your commission rate. Real compensation depends on the carrier, product, your contract level, chargebacks, and persistency. This is not an offer, a contract, or a guarantee of earnings.
One login. Quote to commission.
Stop stitching together five tools. The Everest platform runs your whole workflow, so more of your day goes to clients and less to paperwork.
Instant quoting
Compare carriers and products side by side in seconds.
Digital e-app
Submit clean applications with e-signature from anywhere.
Built-in CRM
Track leads, clients, and follow-ups in one place.
Case & commission tracker
Watch every case from submit to paid, in real time.
20+ A-rated carriers. One contract.
Contract once with Everest and access the industry's leading life and annuity carriers, with top compensation on every one.
From application to first commission in days
Start in 5 minutes
We send your contracting paperwork instantly, ready to sign.
Get appointed
We push your appointments to the carriers you want, often within 48 hours.
Access the platform
Log in to quoting, e-app, leads, training, and your case dashboard.
Start writing
Submit business with a case manager beside you from submit to paid.
Advisors who climbed higher with Everest
"I doubled my annuity production in year one. The case design team alone is worth the move."
"After 15 years with two other IMOs, Everest is the first that actually answers the phone. Contracting took two days."
"The lead programs paid for themselves. I finally have a predictable pipeline, and my renewals are mine."
Illustrative examples for demonstration. Not actual advisors. Replace with real, verifiable testimonials before publishing.
Contracting questions, answered
No. Contracting, case design, back-office support, and the advisor platform are provided at no cost. We are compensated through carrier overrides, never by charging our advisors.
Never. Everest is fully independent and non-captive. You keep your existing appointments, your book, and 100% of your renewals. We add to what you have.
Most advisors complete the digital packet in about 10 minutes and are appointed with their chosen carriers within 48 hours. Your first case can be submitted the same week.
No minimums, no quotas, no vesting cliffs. Write one case a year or a thousand; your compensation and ownership are the same, and they are always yours.
Exclusive, filtered lead programs across final expense, mortgage protection, IUL, and annuity, including financed options with a proven cost-per-acquisition model.
Start contracting in 5 minutes
Tell us a little about your practice and we will send your contracting paperwork instantly, so you can start in about 5 minutes. No cost, no obligation.
What happens next
Built for producers
Independent, non-captive, and on your side.
Privacy Policy
Last updated: 2026 · Everest Advisors, LLC (a Tennessee limited liability company)
Everest Advisors, LLC ("we," "us," or "our"), which operates the SmarterIndex™ brand, respects your privacy. This policy explains what information we collect, how we use it, and the choices you have.
Information we collect
We collect information you give us directly, such as your name, email, phone number, state, age range, and the details you share in our forms or by phone. We also automatically collect limited technical data, such as your device type, browser, and pages viewed, through cookies and similar technologies.
How we use your information
- To respond to your requests and provide the information, plan, or contracting materials you ask for.
- To have a licensed professional contact you about insurance and annuity products and services.
- To operate, secure, and improve our website.
- To meet legal, regulatory, and carrier compliance obligations.
Phone calls and text messages
If you provide your phone number, you consent to receive calls and text messages from us and our licensed agents about insurance products and services, including through automated dialing technology and prerecorded messages, even if your number is on a state or federal Do Not Call list. Consent is not a condition of purchase. Message and data rates may apply. You can opt out of texts by replying STOP, and you can ask to be placed on our internal Do Not Call list at any time.
How we share information
We share your information with licensed agents and insurance carriers as needed to serve your request, and with service providers who help us operate our business under confidentiality obligations. We may disclose information when required by law or to protect our rights. We do not sell your personal information for money.
Your choices and rights
You may request access to, correction of, or deletion of your personal information, and you may opt out of marketing communications, by contacting us using the details below. Depending on your state, you may have additional rights, including the right to opt out of the sharing of your information; to exercise them, contact us and we will honor applicable requests.
Cookies
We use cookies to make the site work, remember preferences, and understand usage. You can control cookies through your browser settings. Disabling some cookies may affect site functionality.
Data security
We use administrative, technical, and physical safeguards, including encryption in transit, designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Children
Our site is not directed to children under 18, and we do not knowingly collect information from them.
Changes to this policy
We may update this policy from time to time. The "last updated" date above reflects the most recent version.
Contact us
Questions about this page? Email [email protected], call 412-SM-INDEX, or write to Everest Advisors, LLC, 626 Mississippi Avenue, Signal Mountain, TN 37377.
Terms of Use
Last updated: 2026 · Everest Advisors, LLC (a Tennessee limited liability company)
These Terms of Use govern your use of the SmarterIndex™ website, operated by Everest Advisors, LLC. By using this site, you agree to these terms.
Informational purposes only
The content on this site is for general educational and informational purposes only. It is not insurance, tax, legal, or investment advice, and it is not an offer or solicitation to buy any product. You should consult a licensed professional and your own tax and legal advisors before making any decision.
Insurance products
Insurance and annuity products are offered only through appropriately licensed insurance professionals and are subject to the terms, conditions, limitations, and availability of the issuing carrier. Products are not available in all states. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.
No guarantees; illustrations are hypothetical
Any figures, charts, estimators, and examples on this site are hypothetical and for illustration only. They are not a promise or prediction of future results, and actual results will differ based on the product, carrier, and market conditions.
Intellectual property
All content, trademarks, and materials on this site, including the SmarterIndex™ name and logo, are owned by or licensed to Everest Advisors, LLC and may not be used without permission.
Third-party links
We are not responsible for the content or practices of any third-party sites we may link to.
Disclaimer of warranties
This site is provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement.
Limitation of liability
To the fullest extent permitted by law, Everest Advisors, LLC is not liable for any indirect, incidental, or consequential damages arising from your use of this site.
Governing law
These terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws rules.
Changes
We may update these terms at any time. Continued use of the site means you accept the updated terms.
Contact us
Questions about this page? Email [email protected], call 412-SM-INDEX, or write to Everest Advisors, LLC, 626 Mississippi Avenue, Signal Mountain, TN 37377.
Accessibility Statement
Last updated: 2026 · Everest Advisors, LLC (a Tennessee limited liability company)
Everest Advisors, LLC is committed to making the SmarterIndex™ website accessible to as many people as possible, including people with disabilities.
Our commitment
We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. We work to support keyboard navigation, sufficient color contrast, descriptive text, and screen-reader compatibility across the site.
Ongoing effort
Accessibility is an ongoing effort. We regularly review the site and make improvements, and we recognize that some areas may not yet fully meet every standard.
Need help or found a problem?
If you have trouble using any part of this site, or you need information in an alternative format, please contact us and we will work with you to provide the information or service you need.
Contact us
Questions about this page? Email [email protected], call 412-SM-INDEX, or write to Everest Advisors, LLC, 626 Mississippi Avenue, Signal Mountain, TN 37377.