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RILAs

Registered index-linked annuities

Solutions created to address a range of needs as diverse as your clients

Financial circumstances vary from person to person — and from one life stage to the next. Client concerns about accumulation, income and legacy can arise at different times, or all together. A registered index-linked annuity can offer a solution. It’s linked to the performance of a market index to calculate gains or losses, offering some clients growth opportunities they might not otherwise seek.

The two annuities below can help address accumulation and legacy goals, and the TruStage™ Zone Income Annuity underwritten by MEMBERS Life Insurance Company can help clients with income goals, too. Here are three key RILA features to discuss with your clients:

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Downside protection

Your clients get to decide the level of risk they’re willing to accept. Once they set their limit, your client can't lose more than that, no matter what happens in the market.

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Upside potential

Unlike savings accounts or other conservative investments, Zone products can offer your client a way to participate in market growth, so they can earn interest linked to market performance, up to the cap corresponding to their loss limit.

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Limit risk

A personalized comfort zone lets your client lock in their gains and lock out losses.

TruStage™ ZoneChoice Annuity
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TruStage™ ZoneChoice Annuity

This registered index-linked annuity allows each client to craft a personalized strategy that balances growth potential and downside risks in one solution.

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TruStage™ Zone Income Annuity
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TruStage™ Zone Income Annuity

Here's a new way to plan for retirement. This innovative approach to risk control with upside potential sets a limit on market losses — plus, clients can get protected lifetime income that increases every year they hold their contract.

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Explore other TruStage™ annuity products

Fixed
annuities

You can offer a stable, tax-deferred way for risk-averse clients to grow their savings and guarantee income to help pay for retirement.

Income
annuities

Clients nearing (or in) retirement may need help creating a strategy for a steady stream of income.

Variable index-linked annuities

Here’s a new way to look at diversified investing that combines the flexibility of variable funds with the loss protection of market risk control.

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TruStage™ Annuities blog

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