MEMBERS® Annuities

MEMBERS Annuities can provide a tax-deferred alternative to other common investment choices, and annuities have a built-in capability to generate retirement income. The MEMBERS Insurance & Investments program offers an entire family of top-quality annuity products to help you reach your retirement goals.

What are annuities?
An annuity is a financial product issued by an insurance company. It allows for tax-deferred growth of assets, and can help provide guaranteed retirement income for life.(1) Annuities come in many shapes and sizes, and can be an important part of your retirement portfolio. 

Why a MEMBERS Annuity?
With so many annuities to choose from, it can be challenging to find the one that’s right for you. The MEMBERS Fixed, Index and Income Annuities from CMFG Life Insurance Company, the MEMBERS Zone and MEMBERS Horizon Annuities from MEMBERS Life Insurance Company, and the MEMBERS Variable Annuity Series from Transamerica Life Insurance Company are built with straightforward, understandable features and benefits. Our MEMBERS heritage of serving retirement needs was founded on more than 75 years of protecting credit unions and shines through in our products. If you are looking for guaranteed growth, lifetime income or the potential for gains based on market activity, a MEMBERS Annuity may be a great solution.

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A sound, stable product that grows your money at a guaranteed return, regardless of market conditions.

A place to keep your money safe from the downturns in the market, but with the potential to grow as a stock index appreciates.

Index-linked growth potential with downside limits. Personalized for your lifestyle and outlook.

Combines important income guarantees, protection benefits, and tax advantages with a full range of investment choices.

A product that turns into guaranteed retirement income, either immediately or in the future.

(1) All guarantees are based on the claims paying ability of the issuer and do not extend to performance of any underlying investment accounts. Products and riders may vary and may not be available in all states. Index and Zone and Horizon Annuities not available in OR. Withdrawals before age 59 1/2 may be subject to a 10% federal tax penalty.