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TruStage ZoneChoice Income with IncomeGrowth Performance

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 Income with IncomeGrowth Performance

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Retire At

About Product

Type

Registered Index-Linked

Purpose

Lifetime Income

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, SEP IRA, IRA-Roth, Roth Conversion (Partial), and Roth Conversion (Full)

Launch Date

11/03/2025

ZoneChoice Income Annuity, issued by MEMBERS Life Insurance Company, offers multiple paths to one fulfilling destination: guaranteed lifetime income. ZoneChoice Income Annuity offers:

Guaranteed income for life
Potential for income growth before, and even after, income start
Two income benefit options, each with additional layers of flexibility
Income rates based on the older spouse,* providing an unique opportunity to maximize your guaranteed income faster

*If spouses are within five years of age, the older spouse’s age is used; otherwise, the younger spouse’s age is used.

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 PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	110% Participation 75% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	110% Participation 120% Cap
6-Year Dimensional US Small PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	120% Participation 150% Cap
6-Year Dimensional US Small PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	120% Participation 80% Cap
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 20% Boost	Boost RILA 6-Year	150% Participation
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 10% Boost	Boost RILA 6-Year	200% Participation
6-Year S&P 500 Dual Step Rate with 20% Buffer	Dual Direction Trigger 6-Year	45% Performance triggered
6-Year S&P 500 Dual Step Rate with 10% Buffer	Dual Direction Trigger 6-Year	50% Performance triggered
1-Year Fixed Account	Fixed	3.5% Fixed
6-Year Barclays Risk Balanced PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	200% Participation
1-Year S&P 500 PTP Cap with -3% Floor	Point to Point Annual	7.65% Cap
1-Year S&P 500 PTP Cap with -2% Floor	Point to Point Annual	7.1% Cap
1-Year S&P 500 PTP Cap with -1% Floor	Point to Point Annual	6.55% Cap
1-Year Barclays Risk Balanced PTP Cap with -4% Floor	Point to Point Annual	23.55% Cap
1-Year Barclays Risk Balanced PTP Cap with -5% Floor	Point to Point Annual	26.65% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation 135% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	105% Participation
6-Year Dimensional US Small PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	120% Participation
6-Year Dimensional US Small PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	105% Participation
6-Year Barclays Risk Balanced PTP Cap with 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	8.2% Cap
1-Year Dimensional US Small PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 11% Cap
1-Year Dimensional US Small PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 17.5% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 15% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 10.25% Cap
1-Year Barclays Risk Balanced PTP Cap with -6% Floor	Point to Point Annual	31.35% Cap
1-Year Barclays Risk Balanced PTP Cap with -7% Floor	Point to Point Annual	36% Cap
1-Year Barclays Risk Balanced PTP Cap with -8% Floor	Point to Point Annual	40.65% Cap
1-Year Barclays Risk Balanced PTP Cap with -9% Floor	Point to Point Annual	45.35% Cap
1-Year Barclays Risk Balanced PTP Cap with -10% Floor	Point to Point Annual	50% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	6% Cap
1-Year Dimensional US Small PTP Cap with -7% Floor	Point to Point Annual	13.95% Cap
1-Year Barclays Risk Balanced PTP Cap with -2% Floor	Point to Point Annual	16.45% Cap
1-Year Barclays Risk Balanced PTP Cap with -1% Floor	Point to Point Annual	14.05% Cap
1-Year Barclays Risk Balanced PTP Cap with 0% Floor	Point to Point Annual	12.25% Cap
1-Year Dimensional US Small PTP Cap with 0% Floor	Point to Point Annual	6.25% Cap
1-Year Dimensional US Small PTP Cap with -1% Floor	Point to Point Annual	7.3% Cap
1-Year Dimensional US Small PTP Cap with -2% Floor	Point to Point Annual	8.35% Cap
1-Year Dimensional US Small PTP Cap with -3% Floor	Point to Point Annual	9.45% Cap
1-Year Dimensional US Small PTP Cap with -4% Floor	Point to Point Annual	10.55% Cap
1-Year Dimensional US Small PTP Cap with -5% Floor	Point to Point Annual	11.65% Cap
1-Year Dimensional US Small PTP Cap with -6% Floor	Point to Point Annual	12.8% Cap
1-Year Barclays Risk Balanced PTP Cap with -3% Floor	Point to Point Annual	19.2% Cap
1-Year Dimensional US Small PTP Cap with -8% Floor	Point to Point Annual	15.2% Cap
1-Year Dimensional US Small PTP Cap with -9% Floor	Point to Point Annual	16.4% Cap
1-Year Dimensional US Small PTP Cap with -10% Floor	Point to Point Annual	17.75% Cap
1-Year S&P 500 PTP Cap with -10% Floor	Point to Point Annual	11.5% 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	10.3% 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	9.25% Cap
1-Year S&P 500 PTP Cap with -5% Floor	Point to Point Annual	8.8% Cap

Surrender schedule

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

Riders

Name	Inbuilt	Fee
IncomeGrowth Performance Rider	Yes	1.50% annually

Waivers

Hospital

You have total access to contract value without surrender charge or MVA if you are confined to a nursing home or hospital for more than 90 consecutive days after issue. In California, there is no waiting period for facility care, community-based services or home care.

Nursing Home

RMD

RMDs that are withdrawn under the automatic withdrawal program will not be assessed a surrender charge or MVA.

Withdrawal Provisions

Annual free withdrawal amount 10% of the beginning-of-year contract value is available to withdraw without surrender charge or MVA for each of the first six contract years. Thereafter, 20% of the beginning-of-year contract value is available to withdraw without MVA each contract year. Surrender charges Surrender charges may apply to amounts withdrawn or surrendered in excess of the annual free withdrawal amount. The surrender charge is expressed as a percentage of the amount surrendered or withdrawn and varies by contract year as follows: 8%, 8%, 8%, 7%, 6%, 5%, 0%. Market value adjustment (MVA) 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 six-year rolling period that begins on the contract issue date. The MVA does not apply to income benefit payments, 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.

Company Founded: 1935

Excellent Rated Company

TruStage™

Company Ratings

4.2