TruStage ZoneChoice
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Highlights
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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
8%8%8%7%6%5% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$5,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch |
Brochure
|
Open brochure |
Find out if the TruStage ZoneChoice is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.55%
Fixed
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor |
Point to Point
Annual
|
10.5%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -2% Floor |
Point to Point
Annual
|
15.4%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -1% Floor |
Point to Point
Annual
|
13.2%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with 0% Floor |
Point to Point
Annual
|
11.5%
Cap
|
| 6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 10% Buffer |
Point to Point
6-Year
|
125%
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
|
6.7%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor |
Point to Point
Annual
|
7.75%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor |
Point to Point
Annual
|
8.65%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor |
Point to Point
Annual
|
9.6%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -3% Floor |
Point to Point
Annual
|
17.4%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -7% Floor |
Point to Point
Annual
|
12.45%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -8% Floor |
Point to Point
Annual
|
13.4%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor |
Point to Point
Annual
|
14.3%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
14.25%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with 10% Buffer |
Point to Point
Annual
|
16.35%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
105%
Participation
|
| 6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Barclays Risk Balanced PTP Participation Rate with 20% Buffer |
Point to Point
6-Year
|
200%
Participation
|
| 1-Year S&P 500 PTP Cap with -4% Floor |
Point to Point
Annual
|
9.7%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with 10% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Barclays Risk Balanced PTP Participation Rate with 10% Buffer |
Point to Point
6-Year
|
250%
Participation
|
| 1-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
Annual
|
13.25%
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
|
12.6%
Cap
|
| 1-Year S&P 500 PTP Cap with -8% Floor |
Point to Point
Annual
|
12.05%
Cap
|
| 1-Year S&P 500 PTP Cap with -7% Floor |
Point to Point
Annual
|
11.45%
Cap
|
| 1-Year S&P 500 PTP Cap with -6% Floor |
Point to Point
Annual
|
10.9%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor |
Point to Point
Annual
|
10.4%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -4% Floor |
Point to Point
Annual
|
20.95%
Cap
|
| 1-Year S&P 500 PTP Cap with -3% Floor |
Point to Point
Annual
|
9.05%
Cap
|
| 1-Year S&P 500 PTP Cap with -2% Floor |
Point to Point
Annual
|
8.4%
Cap
|
| 1-Year S&P 500 PTP Cap with -1% Floor |
Point to Point
Annual
|
7.85%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
Point to Point
Annual
|
7.25%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -9% Floor |
Point to Point
Annual
|
37%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -8% Floor |
Point to Point
Annual
|
33.95%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -7% Floor |
Point to Point
Annual
|
30.95%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -6% Floor |
Point to Point
Annual
|
27.9%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -5% Floor |
Point to Point
Annual
|
24.9%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 8% | 7% | 6% | 5% |
Riders
No Riders for TruStage ZoneChoice annuity.
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