
TruStage™ Zone Income Annuity
Growth potential that starts today, plus predictable lifetime income for the future
Clients who choose TruStage™ Zone Income Annuity, underwritten by MEMBERS Life Insurance Company, can participate in index-linked gains while guaranteeing a reliable source of future funds. It’s an all-in-one retirement strategy that puts growth potential within reach yet offers downside protection — plus predictable lifetime income.
Product information

How does TruStage™ Zone Income Annuity work?
- Clients receive interest linked to the performance of one or more market indexes or a declared rate account1.
- Clients choose how they’ll participate in the market by setting their guaranteed floor, ranging from 0% to -10%.
- Clients can change their “comfort zone” every year.
- They enjoy a Guaranteed Lifetime Withdrawal Benefit, or protected income for life, which has the potential to grow along with their benefit base.

Why do investors choose it?
- They want double-digit upside growth potential.
- They’re interested in guaranteed lifetime income.
- They value personalized, guaranteed loss protection.
- Flexibility allows them to adjust their custom “comfort zone” annually.
- A return of purchase payment (ROP) death benefit that ensures the client's beneficiaries will receive a sum equal to the original purchase payment adjusted for any withdrawals or for contract value, whichever is greater.
- Proprietary risk control accounts link to the S&P 500, MSCI EAFE, Russell 2000 or all three and enable clients to choose a floor ranging from 0 to -10%. An additional declared rate account is also available.
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