How does TruStage™ ZoneChoice Annuity work?

TruStage™ ZoneChoice Annuity is a registered index-linked annuity that includes 12 distinct accounts within one product. With ZoneChoice, your clients can allocate their purchase payment to different accounts to create a personalized strategy to balance growth potential and protection. Clients receive interest linked to the performance of one or more market indexes or a declared rate account. Dollars linked to an index lock in earnings based on the change in the index value from the start to the end of the account interest term, including 1-year and 6-year account options. Clients can select from buffers, floors, a declared rate account or a combination.

Why do clients choose it?

Clients can select their preferred combination of buffers and floors to strike an ideal balance of tax-deferred growth potential and protection against dramatic loss. There are no surprises and no explicit fees — so what your clients see is what they get. In times of critical need or health hardships, clients have the ability to access the contract value. Death benefit protection helps clients provide for their loved ones.

This annuity's buffers and floors offer risk-reward balance to clients

Registered index-linked annuity

This annuity gives you the flexibility to tailor risk and return for a range of clients. With multiple investment options, TruStage™ ZoneChoice Annuity from MEMBERS Life Insurance Company lets you dial in a customized mix of upside potential and downside protection to match each client’s retirement strategy.

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

Product overview

Think of this registered index-linked annuity (RILA) as the next step in your clients' retirement investing journey. They can continue to pursue growth while maintaining their investment balance and setting the stage for predictable retirement income.

Their surefooted path to retirement

Your clients decide how much to spread among multiple investment options.
Buffers and floors — set by clients with your guidance — maintain balances even in down markets.
Flexible features allow clients to reallocate funds anytime while their fixed account keeps earning interest.
1-year and 6-year interest terms provide more choice and control for a confident retirement plan.

Crunch the numbers

Help clients envision the possibilities with this annuity calculator.

MyComfortZone calculator

Key benefits for your clients

ZoneChoice Annuity offers index-linked performance, a limit on potential losses and lifetime income options.

Built for the unexpected

Flex Transfer feature empowers clients to adjust allocations as market conditions change.

Balances growth and protection

Multiple investment options within one product offers an innovative diversification design.

Guaranteed retirement income

After two years, clients may convert their contract value into a lifetime stream of retirement income.

ZoneChoice Annuity resources

The best annuity is the one you design together. Use these tools to cocreate a personalized strategy.

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Risk control their own way

With this annuity, your clients get meaningful control over how much risk they take on, pairing downside protection with the chance for continued growth.

ZoneChoice Annuity graph

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TruStage™ ZoneChoice Annuity