MEMBERS® Index Annuities

In times of financial uncertainty, you may want to invest your money in a place safe from market downturns, but where you can still participate in a market upswing. A MEMBERS Index Annuity from CMFG Life Insurance Company can provide just that place. Index annuities offer you the advantages of guarantees and index-linked returns, along with the benefits of tax-deferred growth and guaranteed income.(1)

Get guarantees and upside potential.
An index annuity is like a traditional fixed annuity, but with a non-traditional way of crediting earnings. You pay a single premium or series of payments, and an insurance company credits interest that’s linked to the performance of a stock index. But, your contract value is designed to increase, even if the stock market doesn’t.

Defer taxes for the future.
With an index annuity you pay no taxes on your earnings while they accumulate, so your money may grow faster until it’s time to start income. If you've already taken maximum advantage of other tax-favored investments, like an employer 401(k) plan, you may want to consider a MEMBERS Index Annuity. Because they are tax-favored, though, annuities are subject to a 10% tax penalty for withdrawals before age 59½, and income taxes are due on your gains at the time you take out money.(2) Keep in mind that index annuities can also be purchased to fund a tax-qualified plan like an IRA.(3)

Guarantee your retirement income.
At retirement, you decide how and when to receive income. You can choose guaranteed lifetime income, income for just a specified period, or a lump sum..

MEMBERS Index Annuity

Available index annuities.
Retirement income options.
Learn more about the features and benefits of MEMBERS Index Annuities.
When the time is right, you can choose how to take income from your index annuity. 

(1) All guarantees are based on the claims-paying ability of the insurance company.
(2) This is a brief description of an annuity contract and is not intended to provide tax advice. Surrender charges may apply for withdrawals made during the annuity’s surrender charge period.
(3) If you are considering purchasing an annuity as an IRA or tax-qualified plan, you should consider benefits other than tax deferral since those plans already provide tax-deferred status.

MEMBERS Insurance  is a marketing name used for the products & programs offered through CMFG Life Insurance Company.
The insurance is not a deposit and is not federally insured or guaranteed by the financial institution.

Base Policy Form 2005-SPDIA, 2011-GGA