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Both Growth and Income

Clients participate in the market while guaranteeing a reliable source of future funds. This is an all-in-one retirement strategy: growth potential with downside protection, plus predictable lifetime income.
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PRODUCT INFORMATION
CLIENT GUIDE
CURRENT RATES
PROSPECTUS

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CUNA Mutual Group Zone Income™, issued by MEMBERS Life Insurance Company, is recognized by Barron's in The Best Annuities for Income and Growth in 2022.

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How It Works

  • Clients receive interest linked to the performance of one or more market indexes or a declared rate account1
  • Clients choose how they will participate in the market by setting a 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

1The declared rate is not available in CA, IL, NJ, PA and WA.

Why Investors Choose It

  • Double-digit upside growth potential
  • Guaranteed lifetime income
  • Personalized, guaranteed loss protection
  • Flexibility to adjust “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 contract value, whichever is greater
  • Proprietary risk control accounts links 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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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

CZIA-2852665.6-0822-0924

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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.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.

Base policy forms 2015-VA-C, 2015-VA-C(ID), 2018-VA, 2018-VA-F, 2018-VA(ID), 2018-VA-F(ID), 2008-SPIA-I, 2008-SPIA-LO, 2008-SPIA-DB, 2008-SPIA-DB(OR), 2008-SPIA-I (OR), 2008-SPIA-LO (OR), ICC13-DIA, ICC13-DIA(B), 2013-DIA, ICC20-SPDA, 2020-SPDA, ICC20-MVAEND, 2020-MVAEND, 2018-RILA, 2018-RILA-GLWBRDR, 2018-RILA-DRAEND, 2018-RILA(ID), 2020-VAIL, 2020-WVRSEND, 2020-VAIL(ID), ICC20-ROPGEND, 2020-ROPGEND and 2018-VA-ROPEND.

CMGA-2360257.7-0322-0424
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