A customizable RILA with lifetime income options and market loss limits

Registered index-linked annuities

Zone Income Annuity from MEMBERS Life Insurance Company helps you turn market opportunity into lifetime security. By combining indexed upside potential with built-in downside protection, this annuity frees you from the worry of outliving your money.

Three retirees tend to their community flower garden are secure in their retirement thanks to TruStage™ ZoneChoice Annuity

Take control of uncertainty

Planning for retirement today means getting creative. Zone Income Annuity is an innovative way to turn unpredictable markets into steady momentum. By blending growth potential and risk control, the solution helps keep your lifetime income goals on track through every financial climate.

Build lifetime income your way

Zone Income Annuity is a registered index-linked annuity (RILA), which combines index-linked returns, a limit on market losses and lifetime income options.

And here's the best part: It's customizable. With guidance from your advisor, you set the boundaries based on your personal risk tolerance. Choose the best floor to limit losses and the best cap to shape your growth potential. Even when markets dip, your floor helps protect your investment while you remain in position for future gains.

The outcome? A guaranteed lifetime withdrawal benefit that gives you the nest egg you can count on.