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MEMBERS® Zone Annuity

If you're looking for a way to participate in market growth potential while limiting your losses, the Zone Annuity might be for you. Issued by MEMBERS Life Insurance Company.

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.

S&P 500 Price Index

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.

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MEMBERS® Zone Annuity, issued by MEMBERS Life Insurance Company, is recognized as one of 2021 Best Annuities by Barron's.

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