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Zone Annuities

Discover a new way to plan for retirement with the upside potential of the market and protection from dramatic loss. Choose your comfort zone, and take control.
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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
    Rising costs

    Inflation steadily reduces the purchasing power of savings.

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  • Downside protection.
    You decide how much you're willing to risk. Once you set your limit, you can't lose more than that, no matter what happens in the market.
  • Upside potential.
    Unlike savings accounts or other conservative investments, Zone lets you participate in market growth. Earn interest linked to market performance, up to a cap.
  • Control your risk.
    A customized comfort zone lets you lock in gains and lock out losses—without any contract fees.
Zone Annuities
  • MEMBERS® Zone Annuity
    Customized protection and potential. 
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Talk to your financial advisor about the benefits, costs and limitations of annuities.