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Zone Income

A new way to plan for retirement. CUNA Mutual Group Zone Income™ Annuity offers an innovative approach to risk control with upside potential, a limit on market losses and protected lifetime income. Issued by MEMBERS Life Insurance Company.
Today's retirement landscape is full of new risks:
  • Market Volatility

    The investment marketplace seems wildly unpredictable.

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  • Interest Rates

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

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  • Longevity

    We're living longer, and without pensions.

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  • Rising Costs
    Rising Costs

    Inflation steadily reduces the purchasing power of savings.

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  • A personalized “comfort zone”
    Choose your allocations from three index options or a declared rate account. And you can make changes each year if your market outlook changes.
  • A guaranteed lifetime withdrawal benefit (GLWB)
    You can begin receiving protected lifetime income while still growing your investment. You choose if your payment is for a single life, or for you and your loved one.
  • A way to leave a legacy
    Zone Income’s Return of Premium (ROP) death benefit ensures your loved ones will receive a sum equal to your original purchase payment, minus withdrawals made during your lifetime. It’s a dollar-for-dollar benefit.
Other Registered Index-Linked Annuities
  • MEMBERS® Zone Annuity
    Customized protection and potential. 
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