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02/22/2025

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Future Income Annuity

Woman with laptop checks her MEMBERS® Future Income Annuity - it uses the power of deferral to help maximize guaranteed future income.

Help clients maximize their retirement security with the power of deferral

MEMBERS® Future Income Annuity (FIA), underwritten by CMFG Life Insurance Company, puts the power of deferral to work to help clients maximize their guaranteed future income. Clients can create a steady stream of income for the future by depositing money now, to help make up for the pensions of yesteryear — without the worry of market risk. And it can be structured to meet clients’ specific needs, while offering the assurance of never running out of money.

Future Income Annuity Graph

Product information

MEMBERS® Future Income Annuity client guide

MEMBERS® Future Income Annuity current rates

MEMBERS® Future Income Annuity fact sheet

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100 Best Annuities

MEMBERS® Future Income Annuity, issued by CMFG Life Insurance Company, is recognized by Barron's in the Top 100 Best Annuities.1

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Two financial professionals discuss TruStage™ MEMBERS® Future Income Annuity (FIA) performance.

How does MEMBERS® Future Income Annuity work?

  • Clients use a lump sum to purchase the FIA contract, and then decide when in the future they’ll start receiving payments.
  • The longer they choose to wait for payments to start, the bigger those monthly payments will be.
  • Clients are insulated from market volatility and protected from longevity risk.
  • An annual cost-of-living adjustment is also available.
  • Clients can help provide financial security to their loved ones by choosing from among a variety of death benefit options.

Why do clients choose it?

Clients choose MEMBERS® Future Income Annuity for its custom options that enable them to personalize their retirement income strategy with a guaranteed income stream. Features include:

  • Multiple payment-type options that put the growth power of deferral to work.
  • Protection from longevity, market, inflation and interest-rate risks.
  • Available benefits that can extend beyond the individual owner to help take care of loved ones after the contract owner’s death.
  • No annual charges.
Grandfather and grandson playing cards with grandson use MEMBERS® Future Income Annuity's power of deferral to help maximize guaranteed future income.

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Our experienced wholesaling team, dedicated call center, consumer marketing materials and web-based sales tools and resources make it easier for appointed financial professionals to connect clients with annuity solutions.

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