THIS PAGE IS FOR FINANCIAL PROFESSIONALS ONLY.

MEMBERS® Annuities

Only 18% of private sector workers have access to defined benefit plans.1

For most of your clients, the days of retiring with a pension are history. Yet retirement is riskier than ever. With longevity, rising health care costs and market volatility, your clients can easily outlive their savings. Thanks to lingering memories of the financial crisis, many are not prepared to risk everything to the possibility of dramatic market loss.

MEMBERS® annuities can help you take the risk out of retirement for your clients. With fixed, index and variable options that offer some truly unique benefits, our products are easy to understand, easy to explain and easy to sell. We can help you turn savers back into investors.

Fixed and Income Annuities

For clients looking for growth potential and guaranteed income for life, we have a wide range of options:

Risk Control Annuities

You may have seen annuities with buffers, but these are different. Our risk control accounts offer true floors that guarantee limits on loss. Combined with market-linked growth potential, they give you a whole new way to personalize protection for your clients. For registered representatives only:

Variable Annuities

For registered representatives, our variable annuity line lets you offer the flexibility of investment options with protection and income guarantees:

Find out how MEMBERS products and the value of risk control can work into your sales strategy and help you plan successful retirements for your clients.

Visit MEMBERSProducts.com (Opens in new window) | Call the MEMBERS Product Sales Desk at 877.345.4769 to learn more.

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MEMBERS Products Insights

Buffer vs. Floor Annuities – Which is Right for Clients?

1 Bureau of Labor Statistics, “Employee Benefits Survey—Retirement Benefits: Access, Participation, and Take-Up Rates,” March 2017 https://www.bls.gov/ncs/ebs/benefits/2017/ownership/private/table02a.htm (Opens in new window)
Annuities are long-term insurance products designed for retirement purposes. Before investing in a variable annuity or registered index annuity, you should consider the annuity’s investment objectives, risks, charges and expenses. The prospectus contains this and other information. Please read it carefully. All guarantees are backed by the claims-paying ability of the issuer and do not extend to the performance of the underlying accounts which can fluctuate with changes in market conditions. Withdrawals may be subject to surrender charges, and may also be subject to a market value adjustment (MVA). Withdrawals of taxable amounts are subject to ordinary income tax, and if taken before age 59½ may be subject to a 10% federal tax penalty. If you are considering purchasing an annuity as an IRA or other tax-qualified plan, you should consider benefits other than tax deferral since those plans already provide tax-deferred status. The company does not provide tax or legal advice. Contact a licensed professional. MEMBERS Insurance & Investments and MEMBERS are marketing names for the annuity products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERS® is a registered trademark for annuity products issued by these carriers. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Fixed, index and income annuity products are issued by CMFG Life and MEMBERS Life, and registered index annuity products are underwritten and distributed by CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor. Variable annuity products are issued by Transamerica Life Insurance Company, and are underwritten and distributed by Transamerica Capital, Inc. CMFG Life and MEMBERS Life are not Transamerica companies. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution.
MGA-1238011.4-1217-0120