TruStage™ ZoneChoice Advantage Annuity

00:00:01,084 --> 00:00:02,627
There's predictability

00:00:02,627 --> 00:00:04,212
and then there's possibility.

00:00:04,379 --> 00:00:07,173
The TruStage ZoneChoice Advantage Annuity

00:00:07,173 --> 00:00:09,134
from MEMBERS Life Insurance Company

00:00:09,134 --> 00:00:10,593
is an annuity for investors

00:00:10,593 --> 00:00:12,387
who want more flexibility

00:00:12,387 --> 00:00:14,014
and more choice.

00:00:14,431 --> 00:00:15,473
With new strategies,

00:00:15,473 --> 00:00:17,017
three linked indices,

00:00:17,017 --> 00:00:20,145
and a variety of ways to balance upside potential

00:00:20,145 --> 00:00:22,397
with a measure of downside protection,

00:00:22,397 --> 00:00:25,025
ZoneChoice Advantage brings more possibility

00:00:25,025 --> 00:00:25,984
and performance

00:00:25,984 --> 00:00:27,694
to retirement planning.

00:00:28,153 --> 00:00:32,157
ZoneChoice Advantage is a registered index-linked annuity,

00:00:32,157 --> 00:00:33,867
or RILA for short,

00:00:33,867 --> 00:00:36,661
which means it allows you to benefit from market growth

00:00:36,661 --> 00:00:39,164
while providing a measure of built-in protection

00:00:39,164 --> 00:00:39,998
against losses.

00:00:41,041 --> 00:00:43,376
What makes ZoneChoice Advantage unique?

00:00:43,793 --> 00:00:45,253
It gives you the flexibility

00:00:45,253 --> 00:00:46,921
to create your own balance

00:00:46,921 --> 00:00:47,964
of risk and reward.

00:00:48,548 --> 00:00:50,258
And it helps you protect your savings

00:00:50,258 --> 00:00:51,301
from market drops

00:00:51,301 --> 00:00:53,553
while still capturing market gains

00:00:53,553 --> 00:00:55,263
without any annual fees.

00:00:56,347 --> 00:00:58,683
Dial in your protection and growth potential

00:00:58,683 --> 00:01:02,937
with three key features: Floor, Buffer, and Boost.

00:01:02,937 --> 00:01:05,607
A Floor gives you protection from market losses

00:01:05,607 --> 00:01:07,400
greater than the downside protection

00:01:07,400 --> 00:01:08,068
you've selected.

00:01:08,276 --> 00:01:10,820
You choose the exact level of protection

00:01:10,820 --> 00:01:12,781
that fits your comfort zone.

00:01:12,781 --> 00:01:15,325
A Buffer helps protect you in down markets

00:01:15,325 --> 00:01:16,451
from index losses

00:01:16,451 --> 00:01:17,535
up to the buffer

00:01:17,535 --> 00:01:19,496
and credits you any index loss

00:01:19,496 --> 00:01:20,789
beyond the buffer.

00:01:21,539 --> 00:01:22,457
And Boost?

00:01:22,457 --> 00:01:24,167
Another powerful feature.

00:01:24,167 --> 00:01:25,418
In down markets,

00:01:25,418 --> 00:01:27,295
you're credited with the index loss

00:01:27,295 --> 00:01:28,463
plus the boost.

00:01:28,463 --> 00:01:29,547
In up markets,

00:01:29,547 --> 00:01:30,882
you're guaranteed to be credited

00:01:30,882 --> 00:01:32,050
at least the boost,

00:01:32,050 --> 00:01:33,676
helping you grow your savings

00:01:33,676 --> 00:01:35,428
even when the market is volatile.

00:01:35,762 --> 00:01:37,263
With ZoneChoice Advantage,

00:01:37,263 --> 00:01:38,515
you could also benefit

00:01:38,515 --> 00:01:40,016
from the participation rate,

00:01:40,016 --> 00:01:42,060
which captures gains in up markets

00:01:42,060 --> 00:01:43,895
by multiplying the index gain

00:01:43,895 --> 00:01:45,438
by the participation rate.

00:01:45,438 --> 00:01:46,731
And, with the cap rate,

00:01:46,731 --> 00:01:47,982
you also have the opportunity

00:01:47,982 --> 00:01:49,526
to capture gains,

00:01:49,526 --> 00:01:51,361
up to a set maximum growth,

00:01:51,361 --> 00:01:53,196
or even have an uncapped strategy

00:01:53,196 --> 00:01:54,739
for unlimited upside.

00:01:55,615 --> 00:01:57,742
The dual step rate offers the potential

00:01:57,742 --> 00:01:58,910
to grow your savings

00:01:58,910 --> 00:02:00,870
in both up and down markets,

00:02:00,870 --> 00:02:02,664
giving you more flexibility

00:02:02,664 --> 00:02:04,207
for different market conditions.

00:02:05,125 --> 00:02:07,252
Your comfort zone is your choice.

00:02:07,585 --> 00:02:09,295
You decide how much to invest,

00:02:09,295 --> 00:02:11,422
pick the options that work best for you

00:02:11,422 --> 00:02:13,550
and even have the flexibility to adjust

00:02:13,550 --> 00:02:15,260
as your needs evolve over time.

00:02:16,136 --> 00:02:18,847
ZoneChoice Advantage is a powerful tool

00:02:18,847 --> 00:02:19,889
that helps you design

00:02:19,889 --> 00:02:21,933
a financial future built on confidence.

00:02:22,350 --> 00:02:24,185
With customized protection,

00:02:24,185 --> 00:02:25,812
opportunities for growth,

00:02:25,812 --> 00:02:28,022
and the flexibility to make it your own,

00:02:28,022 --> 00:02:29,399
it can be a valuable tool

00:02:29,399 --> 00:02:30,608
to help you build confidence

00:02:30,608 --> 00:02:31,442
for retirement.

00:02:32,402 --> 00:02:34,445
Find your comfort zone today

00:02:34,445 --> 00:02:37,407
with a TruStage ZoneChoice Advantage Annuity.

00:02:37,824 --> 00:02:38,741
To learn more,

00:02:38,741 --> 00:02:40,118
talk to your financial professional

00:02:40,451 --> 00:02:42,620
or visit trustage.com.