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MEMBERS® Horizon Annuity

A variable annuity that lets you diversify for higher growth potential and set a personal limit on loss for a portion of your money—all in one place. Issued by MEMBERS Life Insurance Company.

MEMBERS® Horizon Annuity from MEMBERS Life Insurance Company, is an insurance contract that lets you diversify investments for higher growth potential and set a personal limit on loss for a portion of your money – all in one place.

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® Horizon Annuity?

  • Market-driven growth potential
  • Possibilities for diversified investing

Flexible, customized investing.

Split your assets between a variable side and a risk control side. The result is personalized growth potential and guaranteed loss protection. Plus, when you diversify your money and protect a portion, volatility may be easier to tolerate and you may stay in the market longer.

Fund options.

For the assets on the variable side, your advisor can help you choose from almost 50 mutual fund options in every asset class. You can also choose between funds with active or passive management styles.

Risk control.

Your risk control assets are linked to your choice of two market indexes. For each index, you decide how much of your money goes into the Growth Account and how much goes into the Secure Account, each with its own possible investment performance. The blend between the two determines your performance zone—how much room there is to grow versus how much you're willing to lose. Once you set your limit on loss, you're guaranteed not to dip beneath it, no matter what happens in the market. Your earning potential on this side is capped relative to your loss limit.

Today's retirement landscape is full of new risks:
  • Market volatility

    The investment marketplace seems wildly unpredictable.

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  • Longevity

    We're living longer, and without pensions.

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  • Interest rates

    Low interest rates mean "safe" investments might not pay off.

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  • Rising costs

    Inflation steadily reduces the purchasing power of savings.

    Learn more