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Simple, Transparent

Clients remain in their comfort zones (they set their own levels of downside protection and upside potential) while enjoying the benefits of market participation. This is a simple, transparent registered index-linked annuity.

PRODUCT INFORMATION

CLIENT GUIDE
PROSPECTUS

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MEMBERS® Zone Annuity is recognized as one of 2020’s Best Annuities by Barron’s.

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How It Works


  • Clients allocate between two risk control accounts:
    -- Secure Account — has a 0% rate floor, meaning invested dollars will never experience a loss from market performance. Also has a modest declared rate cap, which represents the maximum gain from market performance
    -- Growth Account — has a -10% floor, meaning invested dollars will never experience a loss from market performance of more than -10% in any given year. In exchange for taking some downside risk, this account has a higher declared rate cap than the Secure Account
  • By allocating between the two risk control accounts, clients set their personalized "comfort zone" which includes floor protection anywhere between 0% and -10%
  • Clients can change their comfort zone every year
Zone hypothetical allocation graph

 

Why Investors Choose It

  • Double-digit upside growth potential
  • Personalized guaranteed loss protection
  • Flexibility to adjust “comfort zone” annually
  • No M&E&A fees

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Annuities are long-term insurance products designed for retirement purposes. Clients should consider a variable annuity's investment objectives, risking, charges and expenses carefully before investing. The prospectus contains this and other information. Encourage clients to read it carefully.

All guarantees are backed by the claims-paying ability of the issuer and do not extend to the performance of the underlying accounts which can fluctuate with changes in market conditions.

FOR REPRESENTATIVE USE ONLY; NOT TO BE SHOWN TO THE GENERAL PUBLIC

MGA-2853055.2-0720-0822