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TruStage ZoneChoice Advantage Annuity

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.

TruStage ZoneChoice Advantage Annuity

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch

Launch Date

06/24/2025

TruStage ZoneChoice Advantage Annuity, an individual or joint owned, single purchase payment deferred index-linked annuity contract issued by MEMBERS Life Insurance Company.

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
6-Year S&P 500 Dual Step Rate with 20% Buffer	Dual Direction Trigger 6-Year	43% Performance triggered
6-Year S&P 500 Dual Step Rate with 10% Buffer	Dual Direction Trigger 6-Year	50% Performance triggered
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	200% Participation
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	150% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	100% Participation 70% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	100% Participation
6-Year Dimensional US Small PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	100% Participation 55% Cap
6-Year Dimensional US Small PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	100% Participation
1-Year Fixed Account	Fixed	3.45% Fixed
1-Year S&P 500 PTP Cap with Participation Rate with -5% Floor	Point to Point Annual	100% Participation 9.25% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -4% Floor	Point to Point Annual	100% Participation 8.7% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -6% Floor	Point to Point Annual	100% Participation 9.75% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -7% Floor	Point to Point Annual	100% Participation 10.25% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -8% Floor	Point to Point Annual	100% Participation 10.8% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -9% Floor	Point to Point Annual	100% Participation 11.4% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -10% Floor	Point to Point Annual	125% Participation 20% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -10% Floor	Point to Point Annual	100% Participation 12% Cap
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	150% Participation
6-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation 90% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 15.5% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 14.5% Cap
6-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	102% Participation
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	200% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	105% Participation
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -2% Floor	Point to Point Annual	125% Participation 11.15% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -9% Floor	Point to Point Annual	100% Participation 14.45% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -8% Floor	Point to Point Annual	100% Participation 13.4% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -7% Floor	Point to Point Annual	100% Participation 12.35% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -6% Floor	Point to Point Annual	100% Participation 11.4% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -5% Floor	Point to Point Annual	100% Participation 10.35% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -4% Floor	Point to Point Annual	100% Participation 9.4% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -3% Floor	Point to Point Annual	100% Participation 8.4% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -2% Floor	Point to Point Annual	100% Participation 7.45% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -1% Floor	Point to Point Annual	100% Participation 6.45% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with 0% Floor	Point to Point Annual	100% Participation 5.5% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with 0% Floor	Point to Point Annual	125% Participation 8.5% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -1% Floor	Point to Point Annual	125% Participation 9.75% Cap
1-Year Dimensional US Small Cap Value Systematic PTP Cap with Participation Rate with -10% Floor	Point to Point Annual	100% Participation 15.5% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -3% Floor	Point to Point Annual	125% Participation 12.4% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -4% Floor	Point to Point Annual	125% Participation 13.8% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -5% Floor	Point to Point Annual	125% Participation 14.85% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -6% Floor	Point to Point Annual	125% Participation 16.4% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -7% Floor	Point to Point Annual	125% Participation 17.45% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -8% Floor	Point to Point Annual	125% Participation 18.65% Cap
1-Year Barclays Risk Balanced PTP Cap with Participation Rate with -9% Floor	Point to Point Annual	125% Participation 19.3% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 0% Floor	Point to Point Annual	100% Participation 6.5% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -1% Floor	Point to Point Annual	100% Participation 7% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -2% Floor	Point to Point Annual	100% Participation 7.55% Cap
1-Year S&P 500 PTP Cap with Participation Rate with -3% Floor	Point to Point Annual	100% Participation 8.1% Cap

Surrender schedule

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

Riders

No Riders for TruStage ZoneChoice Advantage Annuity annuity.

Waivers

Death

TruStage will not assess the Surrender Charge on Death Benefit proceeds.

Nursing Home

You have total access to contract value without surrender charge or MVA in certain times of need if you are confined to a nursing home or hospital for more than 90 consecutive days after issue.

Terminal Illness

You have total access to contract value without surrender charge or MVA in certain times of need if you are diagnosed as terminally ill with a life expectancy of less than 12 months.

Annuitization

Trustage will not assess the Surrender Charge on Contract Value applied to an Income Payout Option.

Premium Notes

Minimum purchase payment: $5000
Maximum purchase payment: $1000000 or more requires prior approval

Withdrawal Provisions

Annual free withdrawal amount 10% of the beginning-of-year contract value is available to withdraw without surrender charge or market value adjustment (MVA) for each of the first 6 contract years. Thereafter, 20% of the beginning-of-year contract value is available to withdraw without MVA each contract year. Annual free amount There are no annual fees. Market value adjustment The MVA may apply to amounts withdrawn or surrendered in excess of the annual free withdrawal amount. It may increase or decrease the amount withdrawn or surrendered depending on how economic conditions have changed since the start of the 6-year rolling period that begins on the contract issue date. The MVA does not apply to death benefit proceeds, amounts applied to an income payout option, transfers (including flex transfers) and withdrawals or surrenders within 30 days after each sixth contract anniversary. Interim value Any disbursements or transfers of contract value from the risk control accounts on any day other than the first and last business day of the interest term will be calculated using the interim value. The interim value reflects the value of derivative instruments that hedge market risks associated with the risk control accounts and may reflect a positive or a negative return. Required minimum distributions (RMDs)RMDs that are withdrawn under our automatic withdrawal program will not be assessed a surrender charge or MVA.Income payout options After two years, you can convert your contract value into income payments.Installment income payments guaranteed for any period from 10 to 30 years Single life income with income payments guaranteed for your lifetime, with or without guaranteed payments Joint life income with income payments guaranteed for the lifetime of both you and a loved one, with or without guaranteed payments

Company Founded: 1935

Excellent Rated Company

TruStage™

Company Ratings

4.2