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Wealth Management Insights

Understanding the A-B-Cs and 1-2-3s of Medicare and Social Security for your members. 
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Roughly 50 percent of all 65-year-olds alive today will live beyond age 85, in many cases well beyond*

Plan now for a longer retirement—with an annuity investment that can guarantee stable income for life. There are several types of annuities, each offering unique advantages…

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Annuity Advantages

  • Guaranteed rates of return and potentially higher yielding investments
  • Receive set payment amounts or payments guaranteed for as long as you live
  • Tax-deferred growth until withdrawal—you can even rollover qualifying employer plans into an annuity tax free.
  • Avoid probate—annuity value transfers directly to your loved ones

Annuity Type

Fixed annuity

Guaranteed “fixed” rate of return, tax-deferred growth, and options for guaranteed income for life.

Index annuity

Interest rates linked to a market index.

Variable annuity

Investment choices designed to match financial needs with powerful income guarantees and protection benefits.

Immediate annuity

Lump sum deposit converts into an immediate income stream guaranteed for life.

An annuity may be an appropriate investment if you are:

  • Retired or planning for retirement.
  • Concerned about outliving your assets.
  • Concerned that expenses in retirement will exceed your income.
  • Looking for a retirement investment that protects against market loss, offers guaranteed income, or is tax deferred until withdrawal.

Not sure if an annuity is right for you? Simply contact us, and a licensed professional will listen to you and provide guidance based on your specific situation and goals.

*Based on U.S. Annuity 2000 Table, 2015. 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.