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09/17/2025

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Zone Income Annuity

A retired couple plants flowers and feels secure about their financial future, thanks to their TruStage™ Zone Income Annuity.

Growth potential that starts today, plus predictable lifetime income for the future

Clients who choose TruStage™ Zone Income Annuity, underwritten by MEMBERS Life Insurance Company, can participate in index-linked gains while guaranteeing a reliable source of future funds. It’s an all-in-one retirement strategy that puts growth potential within reach yet offers a measure of downside protection — plus predictable lifetime income.

Zone Income graph

Product information

Zone Income Calculator

TruStage™ Zone Income client guide

TruStage™ Zone Income current rates

TruStage™ Zone Income current rates — GLWB payout rates

TruStage™ Zone Income prospectus

TruStage™ Zone Income fact sheet

Industry recognition, client confidence

Zone Income: Guaranteed income with flexibility

100 Best Annuities logo

Named to Barron’s Top 100 Best Annuities1, Zone Income delivers guaranteed income with flexibility, liquidity and growth potential. It’s an innovative solution designed to inspire client confidence and help build stronger relationships.

See the full list1
An older couple check their retirement portfolio via smartphone which includes a TruStage™ Zone Income RILA.

How does TruStage™ Zone Income Annuity work?

  • Clients receive interest linked to the performance of one or more market indexes or a declared rate account2.
  • Clients choose how they’ll participate in the market by setting their guaranteed floor, ranging from 0% to -10%.
  • Clients can change their "comfort zone" every year.
  • They enjoy a Guaranteed Lifetime Withdrawal Benefit, or protected income for life, which has the potential to grow along with their benefit base.

Why do investors choose it?

  • They want double-digit upside growth potential.
  • They’re interested in guaranteed lifetime income.
  • They value personalized, guaranteed loss protection.
  • Flexibility allows them to adjust their custom "comfort zone" or their withdrawal payment.
  • A return of purchase payment (ROP) death benefit that ensures the client's beneficiaries will receive a sum equal to the original purchase payment adjusted for any withdrawals or for contract value, whichever is greater.
  • Allocate client purchase payments into index options or a declared rate account. Clients are able to choose a floor ranging from 0 to -10%.
A retiree and his financial professional discuss performance of their TruStage™ Zone Income registered index-linked annuity.

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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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Explore other TruStage™ annuity products

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