MEMBERS® Zone Annuity
MEMBERS® Zone Annuity from MEMBERS Life Insurance Company, is an insurance contract that offers both index-linked returns and a limit on market losses. You can set your downside limit — called a floor — along with a corresponding cap on the upside. Once your floor is set, you can’t lose more than that, no matter what happens in the markets. These upside and downside limits are connected.
Source | FactSet, Compustat, Federal Reserve, Standard & Poor’s, J.P. Morgan Asset Management. Dividend yield is calculated as consensus estimates of dividends for the next 12 months, divided by most recent price, as provided by Compustat. Forward price-to-earnings ratio is a bottom-up calculation based on the most recent S&P 500 Index price, divided by consensus estimates for earnings in the next 12 months (NTM), and is provided by FactSet Market Aggregates. Returns are cumulative and based on S&P 500 Index price movement only, and do not include the reinvestment of dividends. Past performance is not indicative of future returns. Guide to the Markets – U.S. Data are as of March 31, 2021.
Why MEMBERS® Zone Annuity?
- Customized upside potential, downside protection
- Guaranteed income for life
Your personal comfort zone.
Customize your comfort zone of risk and reward by allocating money to two different index-linked accounts. Decide how much you're willing to lose, and that limit determines your maximum growth potential. With a Zone, you're protected from dramatic market volatility.
The Secure Account.
You decide how much to put in the Secure Account, which has a declared rate cap and a 0% floor. This means money in this account is protected from market downturns. In exchange for principal protection, your index-linked earnings are modest.
The Growth Account.
The Growth Account has a higher declared rate cap and a -10% floor. Money in this account can experience limited losses in down markets, but when the market is up, it has more room to grow.
MEMBERS® Zone Annuity, issued by MEMBERS Life Insurance Company, is recognized as one of 2021 Best Annuities by Barron's.
The investment marketplace seems wildly unpredictable.
We're living longer, and without pensions.
Low interest rates mean "safe" investments might not pay off.
Inflation steadily reduces the purchasing power of savings.