Ratings:

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

James Alden

Experienced Financial Advisor

25 years

experience

3,712

career consultations

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TruStage ZoneChoice

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.

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

8%8%8%7%6%5%

Fee withdrawal:

10%

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, 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	3.2% Fixed
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor	Point to Point Annual	9.6% Cap
1-Year Barclays Risk Balanced PTP Cap with -2% Floor	Point to Point Annual	11.9% Cap
1-Year Barclays Risk Balanced PTP Cap with -1% Floor	Point to Point Annual	10.05% Cap
1-Year Barclays Risk Balanced PTP Cap with 0% Floor	Point to Point Annual	8.5% Cap
6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 10% Buffer	Point to Point 6-Year	112% Participation
1-Year Dimensional US Small Cap Value Systematic PTP Cap with 0% Floor	Point to Point Annual	4.8% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -1% Floor	Point to Point Annual	5.75% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor	Point to Point Annual	6.75% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor	Point to Point Annual	7.7% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor	Point to Point Annual	8.7% Cap
1-Year Barclays Risk Balanced PTP Cap with -3% Floor	Point to Point Annual	13.5% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor	Point to Point Annual	10.6% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -7% Floor	Point to Point Annual	11.55% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -8% Floor	Point to Point Annual	12.55% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor	Point to Point Annual	13.5% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor	Point to Point Annual	14.5% 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% Cap
6-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	101% Participation
6-Year Dimensional US Small Cap Value Systematic PTP Participation Rate with 20% Buffer	Point to Point 6-Year	102% Participation
6-Year Barclays Risk Balanced PTP Participation Rate with 20% Buffer	Point to Point 6-Year	175% Participation
1-Year S&P 500 PTP Cap with -4% Floor	Point to Point Annual	8.3% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	108% 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	11.4% 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	10.85% Cap
1-Year S&P 500 PTP Cap with -8% Floor	Point to Point Annual	10.35% Cap
1-Year S&P 500 PTP Cap with -7% Floor	Point to Point Annual	9.8% Cap
1-Year S&P 500 PTP Cap with -6% Floor	Point to Point Annual	9.35% Cap
1-Year S&P 500 PTP Cap with -5% Floor	Point to Point Annual	8.9% Cap
1-Year Barclays Risk Balanced PTP Cap with -4% Floor	Point to Point Annual	15.5% Cap
1-Year S&P 500 PTP Cap with -3% Floor	Point to Point Annual	7.75% Cap
1-Year S&P 500 PTP Cap with -2% Floor	Point to Point Annual	7.2% Cap
1-Year S&P 500 PTP Cap with -1% Floor	Point to Point Annual	6.65% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	6.1% Cap
1-Year Barclays Risk Balanced PTP Cap with -9% Floor	Point to Point Annual	33% Cap
1-Year Barclays Risk Balanced PTP Cap with -8% Floor	Point to Point Annual	28% Cap
1-Year Barclays Risk Balanced PTP Cap with -7% Floor	Point to Point Annual	23.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -6% Floor	Point to Point Annual	20% Cap
1-Year Barclays Risk Balanced PTP Cap with -5% Floor	Point to Point Annual	17% Cap

Surrender schedule

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

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

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 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.

Issue ages: 21 – 85

Plan types: Traditional IRA, Roth IRA, SEP IRA, Beneficiary IRA, Non-Qualified Beneficiary “stretch”,

Non-Qualified.

Withdrawal Provisions

Withdrawals

Annual free withdrawal amount: 10% of last anniversary value is available to withdraw without surrender charge.

Interest adjustment

The interest adjustment increases or decreases your contract value depending on economic changes since the allocation option start date. The interest adjustment is measured over the allocation option period of six years and is a rolling 6-year period. The interest adjustment applies to distributions taken from the contract at all times other than the allocation option maturity date (every six years).

Equity adjustment

The equity adjustment reflects the value of derivative instruments that hedge market risks associated with the risk control accounts. Contract value is calculated using the equity adjustment on any day other than the first and last day of the interest term. The equity adjustment does not apply to the declared rate account.

Other TruStage™ Products

TruStage Horizon II Variable Annuity

TruStage ZoneChoice

TruStage Zone Income

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