- TruStage Annuities for individuals investors
- Zone Income Annuity for individual investors
TruStage™ Zone Income Annuity
Guarantee lifetime income while growing your investment. TruStage™ Zone Income Annuity from MEMBERS Life Insurance Company is an insurance contract that lets you set a limit on market losses and receive interest based on the performance of your choice of market indexes.
TruStage™ Zone Income client guide
TruStage™ Zone Income Annuity fact sheet
TruStage™ Zone Income prospectus

The value of a TruStage™ Zone Income Annuity
- Allocate your purchase payment into index options or a declared rate account.
- Adjust your allocation options to reset your comfort zone each year.
- Help protect your loved ones with a return of premium (ROP) death benefit.
- Combine risk-controlled, market-based growth opportunities with protected lifetime income.
A new way to plan for retirement
Traditional investment diversification doesn’t offer protection. Avoiding risk altogether offers no chance for growth, and many growth-oriented investments don’t offer the opportunity for income. Zone Income lets you enjoy growth opportunities with a measure of downside protection. With Zone Income, you’re in control.
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Stay one step ahead
We’re committed to helping families like yours prepare for what’s next. Our expertise enables us to understand your needs and help you navigate through all stages of retirement.
Named one of Barron’s 100 Best
Zone Income: Guaranteed income with flexibility

Recognized in Barron’s 100 Best Annuities1, TruStage™ Zone Income helps you move into retirement with confidence. It reflects our commitment to innovative solutions that provide guaranteed income, offer flexibility and support brighter financial futures for all.
See the full list1Risk control tool
Guaranteed income calculator
Zone Income Annuity can help you achieve powerful protection against outliving your assets and index-linked growth. See it in action with the guaranteed income calculator.
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