TruStage Zone Income
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Learn how an annuity can provide guaranteed income for life.
Highlights
TruStage Zone Income Annuity provides an innovative approach to market-linked risk control combined with income for life. With Zone Income, you can set your downside limit — called a floor — along with a corresponding cap on the upside. Once the floor is set, you can’t lose more than that, no matter what happens in the markets, while still enjoying the potential for attractive market growth. Plus, Zone Income adds powerful protection against living longer than your assets. Zone Income lets you enjoy growth opportunities, without the worry of catastrophic loss. With Zone Income, you’re in control.
The Zone Income Annuity is an insurance contract that offers index-linked returns, a limit on market losses and lifetime income options.
The Zone Income Annuity is an insurance contract that offers index-linked returns, a limit on market losses and lifetime income options.
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
9%9%8%7%6%5% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, and 1035 Exchange |
Brochure
|
Open brochure |
Find out if the TruStage Zone Income is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 6-Year Fixed Account |
Fixed
|
3.15%
Fixed
|
| 1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth |
Point to Point
Annual
|
10.44%
Cap
|
| 1-Year Russell 2000 PTP Cap with -3% Floor 70% Secure 30% Growth |
Point to Point
Annual
|
10.42%
Cap
|
| 1-Year Russell 2000 PTP Cap with -4% Floor 60% Secure 40% Growth |
Point to Point
Annual
|
11.32%
Cap
|
| 1-Year Russell 2000 PTP Cap with -5% Floor 50% Secure 50% Growth |
Point to Point
Annual
|
12.23%
Cap
|
| 1-Year Russell 2000 PTP Cap with -6% Floor 40% Secure 60% Growth |
Point to Point
Annual
|
13.13%
Cap
|
| 1-Year Russell 2000 PTP Cap with -7% Floor 30% Secure 70% Growth |
Point to Point
Annual
|
14.04%
Cap
|
| 1-Year Russell 2000 PTP Cap with -8% Floor 20% Secure 80% Growth |
Point to Point
Annual
|
14.94%
Cap
|
| 1-Year Russell 2000 PTP Cap with -9% Floor 10% Secure 90% Growth |
Point to Point
Annual
|
15.85%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -1% Floor 90% Secure 10% Growth |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year Russell 2000 PTP Cap with -2% Floor 80% Secure 20% Growth |
Point to Point
Annual
|
9.51%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -3% Floor 70% Secure 30% Growth |
Point to Point
Annual
|
11.64%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth |
Point to Point
Annual
|
12.83%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth |
Point to Point
Annual
|
14.03%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth |
Point to Point
Annual
|
15.22%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth |
Point to Point
Annual
|
16.42%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth |
Point to Point
Annual
|
17.61%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth |
Point to Point
Annual
|
18.81%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure |
Point to Point
Annual
|
8.05%
Cap
|
| 1-Year Russell 2000 PTP Cap with -1% Floor 90% Secure 10% Growth |
Point to Point
Annual
|
8.61%
Cap
|
| 1-Year S&P 500 PTP Cap with -9% Floor 10% Secure 90% Growth |
Point to Point
Annual
|
11.99%
Cap
|
| 1-Year S&P 500 PTP Cap with -8% Floor 20% Secure 80% Growth |
Point to Point
Annual
|
11.43%
Cap
|
| 1-Year S&P 500 PTP Cap with -7% Floor 30% Secure 70% Growth |
Point to Point
Annual
|
10.87%
Cap
|
| 1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth |
Point to Point
Annual
|
10.31%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth |
Point to Point
Annual
|
9.75%
Cap
|
| 1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth |
Point to Point
Annual
|
9.19%
Cap
|
| 1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth |
Point to Point
Annual
|
8.63%
Cap
|
| 1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth |
Point to Point
Annual
|
8.07%
Cap
|
| 1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth |
Point to Point
Annual
|
7.51%
Cap
|
| 1-Year MSCI EAFE PTP Cap with -10% Floor 100% Growth |
Point to Point
Annual
|
20%
Cap
|
| 1-Year Russell 2000 PTP Cap with -10% Floor 100% Growth |
Point to Point
Annual
|
16.75%
Cap
|
| 1-Year S&P 500 PTP Cap with -10% Floor 100% Growth |
Point to Point
Annual
|
12.55%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor 100% Secure |
Point to Point
Annual
|
6.95%
Cap
|
| 1-Year Russell 2000 PTP Cap with 0% Floor 100% Secure |
Point to Point
Annual
|
7.7%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Zone Income GLWB rider | Yes | 1.00% annually |
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