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!
About Product
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.3%
Fixed
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -5% Floor |
Point to Point
Annual
|
10.4%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -2% Floor |
Point to Point
Annual
|
12.95%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -1% Floor |
Point to Point
Annual
|
11.05%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with 0% Floor |
Point to Point
Annual
|
9.5%
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
|
5.25%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -1% Floor |
Point to Point
Annual
|
6.25%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -2% Floor |
Point to Point
Annual
|
7.35%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -3% Floor |
Point to Point
Annual
|
8.35%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -4% Floor |
Point to Point
Annual
|
9.4%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -3% Floor |
Point to Point
Annual
|
14.6%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -6% Floor |
Point to Point
Annual
|
11.45%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -7% Floor |
Point to Point
Annual
|
12.5%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -8% Floor |
Point to Point
Annual
|
13.6%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -9% Floor |
Point to Point
Annual
|
14.65%
Cap
|
| 1-Year Dimensional US Small Cap Value Systematic PTP Cap with -10% Floor |
Point to Point
Annual
|
15.75%
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
|
8.05%
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
|
175%
Participation
|
| 1-Year S&P 500 PTP Cap with -10% Floor |
Point to Point
Annual
|
11%
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
|
10.45%
Cap
|
| 1-Year S&P 500 PTP Cap with -8% Floor |
Point to Point
Annual
|
9.95%
Cap
|
| 1-Year S&P 500 PTP Cap with -7% Floor |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year S&P 500 PTP Cap with -6% Floor |
Point to Point
Annual
|
9.05%
Cap
|
| 1-Year S&P 500 PTP Cap with -5% Floor |
Point to Point
Annual
|
8.65%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -4% Floor |
Point to Point
Annual
|
16.75%
Cap
|
| 1-Year S&P 500 PTP Cap with -3% Floor |
Point to Point
Annual
|
7.55%
Cap
|
| 1-Year S&P 500 PTP Cap with -2% Floor |
Point to Point
Annual
|
7%
Cap
|
| 1-Year S&P 500 PTP Cap with -1% Floor |
Point to Point
Annual
|
6.5%
Cap
|
| 1-Year S&P 500 PTP Cap with 0% Floor |
Point to Point
Annual
|
6%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -9% Floor |
Point to Point
Annual
|
35.4%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -8% Floor |
Point to Point
Annual
|
30.85%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -7% Floor |
Point to Point
Annual
|
26%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -6% Floor |
Point to Point
Annual
|
22.9%
Cap
|
| 1-Year Barclays Risk Balanced PTP Cap with -5% Floor |
Point to Point
Annual
|
18.45%
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.
Premium Notes
Please note: New applications $1M or more are subject to carrier approval.
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.
- A.M. Best A
- S&P A+
- Moody's A2
- Comdex 79
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