TruStage™
4.3
based on complex data
Annuity Educator Rating
Annuity review

TruStage ZoneChoice

This TruStage ZoneChoice annuity is a great choice for those planning for a secure retirement. With user-friendly features and flexibility, it ensures financial comfort when you need it most. You can't predict the future, but you can plan it better!

I love the guaranteed income option. Knowing that you'll have a regular check coming in, regardless of how the market fluctuates, is tremendous peace of mind. It's like a paycheck you can never outlive. Let's secure our golden years with ZoneChoice!

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
8%
7%
6%
5%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,999,999
Max Age Qualified
85
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch
Launch Date
07/12/2021
TruStage ZoneChoice is a registered index-linked annuity that lets clients craft a personalized strategy that balances growth potential and downside risks all in one investment.
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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.6% Fixed
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor
Point to Point
Annual
11% Cap
1-Year Barclays Risk Balanced PTP Cap with -2% Floor
Point to Point
Annual
15.1% Cap
1-Year Barclays Risk Balanced PTP Cap with -1% Floor
Point to Point
Annual
12.95% Cap
1-Year Barclays Risk Balanced PTP Cap with 0% Floor
Point to Point
Annual
11.25% Cap
6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 10% Buffer
Point to Point
6-Year
106% Participation
1-Year Dimensional US Small Cap Value Systematic PTP Cap with 0% Floor
Point to Point
Annual
5.75% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -1% Floor
Point to Point
Annual
6.8% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor
Point to Point
Annual
7.9% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor
Point to Point
Annual
8.9% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor
Point to Point
Annual
9.95% Cap
1-Year Barclays Risk Balanced PTP Cap with -3% Floor
Point to Point
Annual
17% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor
Point to Point
Annual
12.1% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -7% Floor
Point to Point
Annual
13.15% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -8% Floor
Point to Point
Annual
14.25% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor
Point to Point
Annual
15.35% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor
Point to Point
Annual
16.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
13% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with 10% Buffer
Point to Point
Annual
15.5% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 20% Buffer
Point to Point
6-Year
100% Participation
6-Year Barclays Risk Balanced PTP Participation Rate with 20% Buffer
Point to Point
6-Year
150% Participation
1-Year S&P 500 PTP Cap with -4% Floor
Point to Point
Annual
8.7% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer
Point to Point
6-Year
105% Participation
6-Year Barclays Risk Balanced PTP Participation Rate with 10% Buffer
Point to Point
6-Year
200% Participation
1-Year S&P 500 PTP Cap with -10% Floor
Point to Point
Annual
12% Cap
1-Year Barclays Risk Balanced PTP Cap with -10% Floor
Point to Point
Annual
40% Cap
1-Year S&P 500 PTP Cap with -9% Floor
Point to Point
Annual
11.4% Cap
1-Year S&P 500 PTP Cap with -8% Floor
Point to Point
Annual
10.8% Cap
1-Year S&P 500 PTP Cap with -7% Floor
Point to Point
Annual
10.25% Cap
1-Year S&P 500 PTP Cap with -6% Floor
Point to Point
Annual
9.75% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
9.3% Cap
1-Year Barclays Risk Balanced PTP Cap with -4% Floor
Point to Point
Annual
20.05% Cap
1-Year S&P 500 PTP Cap with -3% Floor
Point to Point
Annual
8.15% Cap
1-Year S&P 500 PTP Cap with -2% Floor
Point to Point
Annual
7.55% Cap
1-Year S&P 500 PTP Cap with -1% Floor
Point to Point
Annual
7.05% Cap
1-Year S&P 500 PTP Cap with 0% Floor
Point to Point
Annual
6.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -9% Floor
Point to Point
Annual
37.45% Cap
1-Year Barclays Risk Balanced PTP Cap with -8% Floor
Point to Point
Annual
33.85% Cap
1-Year Barclays Risk Balanced PTP Cap with -7% Floor
Point to Point
Annual
30.25% Cap
1-Year Barclays Risk Balanced PTP Cap with -6% Floor
Point to Point
Annual
26.7% Cap
1-Year Barclays Risk Balanced PTP Cap with -5% Floor
Point to Point
Annual
23.1% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for TruStage ZoneChoice annuity.

Waivers

Death

Return of purchase payment: Surrender charges do not apply.

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. In Pennsylvania, 90 days after issue for nursing home confinement and 30 days for hospital confinement. In California, there is no waiting period for facility care, community-based services or home care. One year wait to exercise in Connecticut.

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. In Pennsylvania, 90 days after issue for nursing home confinement and 30 days for hospital confinement. In California, there is no waiting period for facility care, community-based services or home care. One year wait to exercise in Connecticut. The nursing home waiver does not include home health care.

Terminal Illness

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 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.

Premium Notes

Issue limits
Minimum payment: $5,000
Maximum payment (without prior approval): $999,999
Please note: New applications $1M or more are subject to carrier approval.

Issue ages: 21 – 85
Plan types: Traditional IRA, Roth IRA, SEP IRA, Beneficiary IRA, Non-Qualified Beneficiary “stretch”, Non-Qualified.

Withdrawal Provisions

WithdrawalsAnnual free withdrawal amount: 10% of last anniversary value is available to withdraw without surrender charge.Market value adjustment (MVA)The amount of an adjustment (increase or decrease) that may be applied to amounts withdrawn in excess of the annual free withdrawal amount. The market value adjustment (MVA) may be positive or negative. See the brochure for more details.

Company Founded: 1935
Excellent Rated Company
TruStage™
Company Ratings
4.2
  • A.M. Best A
  • S&P A+
  • Moody's A2
  • Comdex 79
Assets: $17,939,129,349
Iowa

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