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.

Offer clients two income benefit choices with ZoneChoice Income RILA

Registered index-linked annuity

Offering more choice and more control than most retirees expect, TruStage™ ZoneChoice Income Annuity from MEMBERS Life Insurance Company helps you guide clients to the retirement they've always imagined. Growth-minded clients may be especially reassured by the annuity's double benefit: A distinctive combination of annual step-ups and deferral credits.

Get the client guide

A child and mom hug in front of grandparents that are secure in retirement thanks to ZoneChoice Income Annuity from TruStage™.

Product overview

This annuity could be the ideal solution for clients who want guaranteed lifetime income and still see an opportunity for income growth ahead.

A unique plan for each client

Your clients choose between two income benefit options: IncomeGrowth Protection and IncomeGrowth Performance.
Multiple crediting strategies make it possible to customize this annuity to your clients' personal risk tolerance.
Flex Transfer feature allows clients to reallocate funds anytime while their fixed account keeps earning interest.
Married clients may be excited to learn that income rates are based on the age of the older spouse, maximizing guaranteed income faster.¹