Ratings:

A.M. Best A
S&P A+
Moody's A2
Comdex 79

James Alden

Experienced Financial Advisor

25 years

experience

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career consultations

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TruStage Horizon II Variable Annuity

TruStage, a brand of CUNA Mutual Group, was established in 1935 and has been a reputable supplier of insurance policies and financial services to credit union members and their families for just over 80 years. The company is a trusted partner of credit unions across the US, offering life insurance, auto insurance, homeowner insurance, and other protection products to shield the finances of their customers in the case of downturns. Their unique understanding of the credit union market has allowed them to be one of the leading providers to this target audience. With products made to be accessible, affordable, and aligned with the priorities of the credit union community, they have collaborated with over 4500 credit unions nationwide.

TruStage Horizon II Variable Annuity

Your Email

Ratings:

A.M. Best A
S&P A+
Moody's A2
Comdex 79

About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

9%9%8%7%5%4%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,999,999

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Inherited IRA, and NQ Stretch

Launch Date

12/03/2018

Traditional investment diversification doesn’t offer protection. Avoiding risk altogether offers no chance for growth. But there’s a new way. TruStage Horizon II Variable Annuity lets you diversify for higher growth potential and set a personal limit on loss for a portion of your money—all in one place. With Horizon, you choose from a wide range of investment options aligned with your risk tolerance and financial goals. Then you decide how much of your money to protect from market risk and the exact level of that protection. For the portion you protect, you set your downside limit—called a floor—along with a corresponding cap on the upside. Once your floor is set, you can’t lose more than that on the risk control side, no matter what happens in the markets.

Fees and charges
Contract fee: 1.50% per year, assessed as part of daily value calculation.
Fund fees: Investment management fees vary by variable subaccount, assessed as part of daily value calculation on dollars in each subaccount. See prospectus for details.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
Holding Account	Fixed	3% Fixed
1-Year S&P 500 PTP Cap with -8% Floor 20% Secure 80% Growth	Point to Point Annual	14.24% Cap
1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth	Point to Point Annual	19.06% Cap
1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth	Point to Point Annual	18.12% Cap
1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth	Point to Point Annual	17.18% Cap
1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth	Point to Point Annual	16.24% Cap
1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth	Point to Point Annual	15.3% Cap
1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth	Point to Point Annual	14.36% Cap
1-Year MSCI EAFE PTP Cap with -3% Floor 70% Secure 30% Growth	Point to Point Annual	13.42% Cap
1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth	Point to Point Annual	12.48% Cap
1-Year MSCI EAFE PTP Cap with -1% Floor 90% Secure 10% Growth	Point to Point Annual	11.54% Cap
1-Year S&P 500 PTP Cap with -9% Floor 10% Secure 90% Growth	Point to Point Annual	15.02% Cap
1-Year MSCI EAFE PTP Cap with -10% Floor 100% Growth	Point to Point Annual	20% Cap
1-Year S&P 500 PTP Cap with -7% Floor 30% Secure 70% Growth	Point to Point Annual	13.46% Cap
1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth	Point to Point Annual	12.68% Cap
1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth	Point to Point Annual	11.9% Cap
1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth	Point to Point Annual	11.12% Cap
1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth	Point to Point Annual	10.34% Cap
1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth	Point to Point Annual	9.56% Cap
1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth	Point to Point Annual	8.78% Cap
1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure	Point to Point Annual	10.6% Cap
1-Year S&P 500 PTP Cap with 0% Floor 100% Secure	Point to Point Annual	8% Cap
1-Year S&P 500 PTP Cap with -10% Floor 100% Growth	Point to Point Annual	15.8% Cap

Surrender schedule

Year	1	2	3	4	5	6
Penalty	9%	9%	8%	7%	5%	4%

Riders

No Riders for TruStage Horizon II Variable Annuity annuity.

Waivers

Death

Full contract value, without surrender charge or MVA, or total net purchase payments—whichever is larger.

Hospital

Unavailable in states: MA

You have total access to contract value without surrender charge in certain times of need: • If you are confined to a nursing home or hospital for 180 consecutive days after issue. One year wait to exercise in Connecticut. Not available in Massachusetts. In California, there is no waiting period for facility or home care, and is available for full surrender only. In Pennsylvania, confinement period is 90 days after issue for nursing home and 30 days for hospital.

Nursing Home

Unavailable in states: MA

You have total access to contract value without surrender charge in certain times of need: If you are confined to a nursing home or hospital for 180 consecutive days after issue. One year wait to exercise in Connecticut. Not available in Massachusetts. In California, there is no waiting period for facility or home care, and is available for full surrender only. In Pennsylvania, confinement period is 90 days after issue for nursing home and 30 days for hospital. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: NJ

You have total access to contract value without surrender charge in certain times of need: • If you are diagnosed as terminally ill with a life expectancy of less than one year. In Illinois, Kansas and Washington, life expectancy is less than 24 months. One year wait to exercise in Connecticut. In Massachusetts, life expectancy is less than 24 months and must be full contract surrender.

Annuitization

We will not assess the Surrender Charge on: At the time Contract Value is applied to an Income Payout Option

Premium Notes

Please note: New applications less than $2M are automatically approved and do not require completing the $1M+ approval form. However, TruStage contracts, illustrations, and marketing materials will all still say $1M. TruStage reserves the right to review individual cases and lower the approval limit back to $1M at any time.

Withdrawal Provisions

Annual withdrawal amount
10% of total purchase payments, available annually without surrender charge.

Order of withdrawals
Taken first from variable side; once variable subaccount value is depleted then taken from risk control side. Risk control account value may also be withdrawn without surrender charge or MVA on risk control account maturity date

Income payout options
After two years, can convert into steady stream of income:

Installment payments guaranteed for any period from 10 to 30 years.
Life income with steady monthly payments guaranteed for your lifetime.
Joint life income guaranteed for the lifetime of both you and a loved one.

Other TruStage™ Products

TruStage Horizon II Variable Annuity

TruStage ZoneChoice

TruStage Zone Income

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