How does TruStage® ZoneChoice Advantage Annuity work?

TruStage® ZoneChoice Advantage is a RILA underwritten by MEMBERS Life Insurance Company. With ZoneChoice Advantage, your clients can allocate their purchase payment across multiple allocation options to create a personalized strategy that balances growth potential and protection. ZoneChoice Advantage provides risk-controlled growth options to help take advantage of market gains while limiting losses.

Why do clients choose it?

Clients have access to their contract value in times of critical need, including confinement to a nursing home or hospital, or diagnosis of a terminal illness. Clients receive interest linked to the performance of one or more indexes or a fixed account. While many financial products have high fees, ZoneChoice Advantage has no annual fees.¹ In the event of death before starting annuity income, the entire contract value or total net purchase payment — whichever is larger — passes to the client’s named beneficiaries.

This RILA lets clients decide level of comfort for protection and risk

Registered index-linked annuity

No two clients approach retirement the same way. TruStage® ZoneChoice Advantage Annuity from MEMBERS Life Insurance Company gives you the flexibility to pick risk tolerance strategies tailored to each individual's goals. With multiple allocation and protection choices, you can help clients pursue upside potential alongside a measure of downside protection in a way that’s just right for them.

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A woman and man on an sunny outdoor hike discuss their retirement which includes ZoneChoice Advantage Annuity from TruStage

Product overview

ZoneChoice Advantage Annuity is a registered index-linked annuity (RILA) with four key features allowing clients to dial in risk that fits their comfort zone.

A custom blend of risk and reward

Boost: Helps preserve growth potential even when market conditions are not ideal.
Dual step: Gives clients the potential for growth in down or up markets.
Buffer: Helps protect balances in down markets from index losses up to the buffer and credits any index loss beyond the buffer.
Floor: Helps protect balances in down markets from index losses greater than the client's designated floor.

Crunch the numbers

Help clients envision the possibilities with this annuity calculator.

MyComfortZone calculator

Key benefits for your clients

A wide selection of features allows you to build highly personalized plans for each client.

Protect the retirement they have in mind

This annuity provides a measure of downside protection to help limit losses during market downturns.
It also offers risk-controlled growth options to continue building a nest egg.

Innovative crediting strategies

Multiple configurations across buffers, boosts, dual step and floor strategies meet clients where they are on their risk tolerance journey.
Clients gravitate toward tax-deferred growth, especially when accompanied by a measure of downside protection.

Flexible for life's surprises

Your clients can choose to stay with the same allocation or transfer at the end of the interest term — or anytime as their needs change.
Health hardships grant them access to their contract value without surrender charges or market value adjustments.