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

trustage-100-best-annuitiesTruStage™ Zone Income Annuity, issued by MEMBERS Life Insurance Company, is recognized by

Barron's in The Best Annuities for Income and Growth in 2022.


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.


Get started with us

Our experienced wholesaling team, dedicated call center, consumer marketing materials and web-based sales tools and resources make it easier for appointed financial professionals to connect clients with annuity solutions.

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