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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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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. 
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
 Registered Index-Linked
Purpose Lifetime Income
Term
 6 Years
Surrender schedule
 8%8%8%7%6%5%
Free withdrawal
 10%
Market value adjustment
Return of premium
Launch date
 08/19/2019
Minimum contribution
 $10,000
Maximum contribution
 $999,999
Max Age Qualified
 85
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.

Withdrawal Provisions

Protected payments
Available without surrender charge or MVA and taken from contract value on a pro rata basis from allocation options. Payments are guaranteed for life while your GLWB rider is in effect, even if contract value goes to zero.

Excess withdrawal
Any withdrawal amount during the year which exceeds the total GLWB payment. Includes withdrawals before the GLWB start date and deductions for any surrender charge or MVA. Excess withdrawals proportionally reduce benefit base and death benefit.

Annual free amount
10% of last anniversary contract value, available annually without surrender charge or MVA. GLWB payments count toward the annual free amount.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.75% Fixed
1-Year MSCI EAFE PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
12% 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
11% 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
13% Cap
1-Year MSCI EAFE PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
14% Cap
1-Year MSCI EAFE PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
15% Cap
1-Year MSCI EAFE PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
16% Cap
1-Year MSCI EAFE PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
18% Cap
1-Year MSCI EAFE PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
19% Cap
1-Year MSCI EAFE PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
10% 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
12.95% Cap
1-Year S&P 500 PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
12.4% Cap
1-Year S&P 500 PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
11.85% Cap
1-Year S&P 500 PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
11.3% Cap
1-Year S&P 500 PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
10.75% Cap
1-Year S&P 500 PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
10.2% Cap
1-Year S&P 500 PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
9.65% Cap
1-Year S&P 500 PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
9.1% Cap
1-Year S&P 500 PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
8.55% 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
13.5% Cap
1-Year S&P 500 PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
8% Cap
1-Year Russell 2000 PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
7.7% Cap
1-Year Barclays Risk Balanced PTP Cap with -10% Floor 100% Growth
Point to Point
Annual
50% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
17.8% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
16.7% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
15.6% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
14.5% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
13.4% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
12.3% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
11.2% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
10.1% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor 100% Growth
Point to Point
Annual
20% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
9% Cap
1-Year Barclays Risk Balanced PTP Cap with 0% Floor 100% Secure
Point to Point
Annual
25% Cap
1-Year Barclays Risk Balanced PTP Cap with -1% Floor 90% Secure 10% Growth
Point to Point
Annual
27.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -2% Floor 80% Secure 20% Growth
Point to Point
Annual
30% Cap
1-Year Barclays Risk Balanced PTP Cap with -3% Floor 70% Secure 30% Growth
Point to Point
Annual
32.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -4% Floor 60% Secure 40% Growth
Point to Point
Annual
35% Cap
1-Year Barclays Risk Balanced PTP Cap with -5% Floor 50% Secure 50% Growth
Point to Point
Annual
37.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -6% Floor 40% Secure 60% Growth
Point to Point
Annual
40% Cap
1-Year Barclays Risk Balanced PTP Cap with -7% Floor 30% Secure 70% Growth
Point to Point
Annual
42.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -8% Floor 20% Secure 80% Growth
Point to Point
Annual
45% Cap
1-Year Barclays Risk Balanced PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
47.5% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor 10% Secure 90% Growth
Point to Point
Annual
18.9% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
Zone Income GLWB rider Yes 1.00% annually

Waivers

Bail-Out

We will not assess the Surrender Charge on: Withdrawals taken under the Bailout Provision

Death

Death benefit Equal to full contract value without surrender charge or MVA, or the purchase payment adjusted for withdrawals—whichever is larger.

Hospital

You have total access to contract value without surrender charge or MVA in certain times of need: If confined to nursing home or hospital for 180 consecutive days after issue In Connecticut, must wait one year to exercise. In Pennsylvania, waiting period is 90 days after issue for nursing home and 30 days for hospital. In California, no waiting period for facility care, community-based services or home care, and available for full surrender only.

Nursing Home

Unavailable in states: MA

You have total access to contract value without surrender charge or MVA in certain times of need: If confined to nursing home or hospital for 180 consecutive days after issue. In Connecticut, must wait one year to exercise. In Pennsylvania, waiting period is 90 days after issue for nursing home and 30 days for hospital. In California, no waiting period for facility care, community-based services or home care, and available for full surrender only. 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 or MVA in certain times of need: If diagnosed as terminally ill with life expectancy of less than one year In Illinois, Kansas and Washington, life expectancy must be less than 24 months. In Massachusetts and Pennsylvania, life expectancy must be less than 24 months and available for full surrender only. In Connecticut, must wait one year to exercise.

Annuitization

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

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