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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 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
 Registered Index-Linked
Purpose Accumulation
Term
 6 Years
Surrender schedule
 8%8%8%7%6%5%
Free withdrawal
 10%
Market value adjustment
Return of premium
Launch date
 07/12/2021
Minimum contribution
 $5,000
Maximum contribution
 $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
Brochure
 Open brochure

Find out if the TruStage ZoneChoice is the right product for you.

Premium Notes

Issue limits
Minimum payment: $5,000
Maximum payment (without prior approval): $999,999
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.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.7% Fixed
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor
Point to Point
Annual
11.1% Cap
1-Year Barclays Risk Balanced PTP Cap with -2% Floor
Point to Point
Annual
17.2% Cap
1-Year Barclays Risk Balanced PTP Cap with -1% Floor
Point to Point
Annual
14.65% Cap
1-Year Barclays Risk Balanced PTP Cap with 0% Floor
Point to Point
Annual
12.8% 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
6.05% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -1% Floor
Point to Point
Annual
7.05% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor
Point to Point
Annual
8.15% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor
Point to Point
Annual
9.1% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor
Point to Point
Annual
10.15% Cap
1-Year Barclays Risk Balanced PTP Cap with -3% Floor
Point to Point
Annual
20% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor
Point to Point
Annual
12.2% 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
14.2% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor
Point to Point
Annual
15.2% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor
Point to Point
Annual
16.25% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
13.5% 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
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
10.15% 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
14.25% 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
13.5% Cap
1-Year S&P 500 PTP Cap with -8% Floor
Point to Point
Annual
12.8% Cap
1-Year S&P 500 PTP Cap with -7% Floor
Point to Point
Annual
12.15% Cap
1-Year S&P 500 PTP Cap with -6% Floor
Point to Point
Annual
11.55% Cap
1-Year S&P 500 PTP Cap with -5% Floor
Point to Point
Annual
10.95% Cap
1-Year Barclays Risk Balanced PTP Cap with -4% Floor
Point to Point
Annual
26.4% Cap
1-Year S&P 500 PTP Cap with -3% Floor
Point to Point
Annual
9.45% Cap
1-Year S&P 500 PTP Cap with -2% Floor
Point to Point
Annual
8.75% Cap
1-Year S&P 500 PTP Cap with -1% Floor
Point to Point
Annual
8.1% Cap
1-Year S&P 500 PTP Cap with 0% Floor
Point to Point
Annual
7.5% Cap
1-Year Barclays Risk Balanced PTP Cap with -9% Floor
Point to Point
Annual
38.6% Cap
1-Year Barclays Risk Balanced PTP Cap with -8% Floor
Point to Point
Annual
37.2% Cap
1-Year Barclays Risk Balanced PTP Cap with -7% Floor
Point to Point
Annual
35.85% Cap
1-Year Barclays Risk Balanced PTP Cap with -6% Floor
Point to Point
Annual
34.45% Cap
1-Year Barclays Risk Balanced PTP Cap with -5% Floor
Point to Point
Annual
33.05% 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

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.

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