Innovative crediting strategies meet investors where they are
TruStage™ ZoneChoice Advantage Annuity issued by MEMBERS Life Insurance Company
An annuity that marks a leap forward in personalized retirement planning. With crediting strategies that help empower personalization, financial professionals transform from plan providers to architects of custom roadmaps, drawn precisely to each client's comfort with risk.
Two new crediting strategies for modern investors
With the addition of dual step rate and boost strategies, ZoneChoice Advantage is designed to enhance the upside potential and downside protection registered index-linked annuities are known for giving your clients even more ways to customize their approaches to retirement investing.
New!
Dual step rate
Regardless of positive or negative market movement, clients have the potential for growth. With greater predictability, investors are more inclined to stay focused on long-term goals even when markets are volatile.
New!
Boost
In rising markets, investors earn at least the boost. In down or flat markets, they’re protected, receiving the index loss plus the boost. This innovative crediting strategy preserves growth potential even when market conditions are not ideal.
Buffer with participation rate and cap rate
Ideal for growth-focused investors who still value protection, this strategy is best in strong up markets. Investors tap into upside potential with a built-in buffer for downturns. Your clients are protected during modest declines and only see a loss if the market drops below their hand-selected thresholds.
Explore this strategyBoost with participation rate and cap rate
Performing best during flat or up markets, this strategy is well-suited to risk-averse investors. Retirement planners are drawn to the idea of capitalizing on upside potential while boosting returns in challenging environments. Your clients may even realize a positive return in down markets and will only experience a loss if the market is down more than the boost.
Explore this strategyBuffer with dual step rate
With this crediting strategy, positive growth may be possible in multiple scenarios, including moderately up, flat and moderately down markets. Your clients only experience a loss when the market drops below their custom-set buffer. Because growth can be limited in strong up markets, this crediting strategy is best for investors who are comforted by consistency.
Explore this strategyFloor with participation rate and cap rate
Ideal for significantly down markets, this strategy is built for preservation-focused clients who value downside protection. Your clients are empowered to dial in the exact level of loss they are comfortable risking — down to the percentage point. Control like this can offer confidence during volatile or uncertain times.
Explore this strategyExplore ZoneChoice Advantage tools and insights
Crediting strategies, calculators and content to see where ZoneChoice Advantage fits on your product shelf.
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