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  • CUNA Mutual


    MEMBERS® Horizon II Annuity


    A Structured Annuity with a 6-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Moody's:  A2   Standard & Poor's:  A+  

    Rates
      Current Rates
    xx/xx/xxxx
    Guaranteed
    Minimum Values
       Cap Cap
    1-Year Growth Account - MSCI EAFE - 10%   ***    *** 
    1-Year Growth Account - S&P 500 Index - 10%   ***    *** 
    1-Year Secure 10% - Growth 90% Allocation -9%   ***    *** 
    1-Year Secure 10% - Growth 90% Allocation -9%   ***    *** 
    1-Year Secure 20% - Growth 80% Allocation -8%   ***    *** 
    1-Year Secure 20% - Growth 80% Allocation -8%   ***    *** 
    1-Year Secure 30% - Growth 70% Allocation -7%   ***    *** 
    1-Year Secure 30% - Growth 70% Allocation -7%   ***    *** 
    1-Year Secure 40% - Growth 60% Allocation -6%   ***    *** 
    1-Year Secure 40% - Growth 60% Allocation -6%   ***    *** 
    1-Year Secure 50% - Growth 50% Allocation -5%   ***    *** 
    1-Year Secure 50% - Growth 50% Allocation -5%   ***    *** 
    1-Year Secure 60% - Growth 40% Allocation -4%   ***    *** 
    1-Year Secure 60% - Growth 40% Allocation -4%   ***    *** 
    1-Year Secure 70% - Growth 30% Allocation -3%   ***    *** 
    1-Year Secure 70% - Growth 30% Allocation -3%   ***    *** 
    1-Year Secure 80% - Growth 20% Allocation -2%   ***    *** 
    1-Year Secure 80% - Growth 20% Allocation -2%   ***    *** 
    1-Year Secure 90% - Growth 10% Allocation -1%   ***    *** 
    1-Year Secure 90% - Growth 10% Allocation -1%   ***    *** 
    1-Year Secure Account - MSCI EAFE - 0%   ***    *** 
    1-Year Secure Account - S&P 500 Index - 0%   ***    *** 


    Premium Bonus
    - none -

    Policy Notes

    Allocation Options. There are four Allocation Levels for your Contract, among which you may allocate your Purcha --[ subscription required to view full text ]--
    ********** *******. ***** *** **** ********** ****** *** **** ********, ***** ***** *** *** ******** **** ******** *******(*) *** ******** *****: ***** * (******** ********** *****), ***** * (******** ********** ********** *****), ***** * (***** ********** *****), *** ***** * (**** ******* ********** *****), **** ** ********* *****.

    • ** ***** *, *** ********** ** ***** ******* *** ******** *********** *** *** **** ******* ********;
    • ** ***** *, *** ********** ** ***** ***** *** ******** ***********;
    • ***** * **** ******* ** **** ******* ********, *** *** ********** ** ***** ******* **** ******* ******** ***** ** *** ********* *****; ***
    • ***** * **** ******* ** **** ******* ********, *** *** ********** ** ***** ***** **** ******* ******** **** *** **** ********* *****.

    *** **** ******* *** ********** ** **** ******** ******* ** ** ********* ** **** ********** ********** ***** ** *** ******** ***** ****. *** ****** *** ****** ** * ********** ********** ***** **** ** ** ***** *********** **** *% ** ***% ** *** ******** ******* *** **** ***** ********** **** ***** ***% ** **** ********** *****.

    ****** **** ******** ******* ** ** ******** ** ********** ********** ******, *** *** ****** *** ** *** ***** ***** ********** ********** ** “******* **********” ** **** *********. ** *** **** *** ******** *** ********, *** *** ***** ** ******** *** ** **** ******** ******** ********* ** *** ** *** ******* **********. **** ******* ********* ********* **** ******** ******** ***** *** ******** *********** *** **** ******* ******** ***** ** * ********* ********** ********** *** **** ********** ****** ********* ***** *** ******* *********. **** ******* ********* ******* ********* ********** ****** *** ********* ******** ******** ***** ********** ******* ** ***** * ********* ***** ** **** ********* (*.*., ************, ******** *** **********). ******* ********** *** ***** ** “********** **** ******** ******* ******* **********.” ** **** *** ***** *** ******** ******* ******** ********** ************.

    *** ******* ****** ** ****** ******* *** ******* ******** ***** **** ** *** ******** *********** *** *** ******** ***** **** ** *** **** ******* ********.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    MVA Explanation

    The Market Value Adjustment applies only to withdrawals f --[ subscription required to view full text ]--
    *** ****** ***** ********** ******* **** ** *********** **** * **** ******* ******* *** ** ********** ********** *** **** **** ******* *******. ******** ******* ************* ***** *** ******** ******* **** **** *** ********* ***** * ********** ********** ******* *** *********** ** **** ******* ******* ***** ** * **** ******* ******* ******** **** *** *** ******* ** * ****** ***** **********. *** ****** ***** ********** *** ******** ** ******** **** ****** ********* ** *** ********* *****, ********* ** *** ******** ********** **** ******* ***** **** ******** *** ******. *** “****** ***** **********” *** **** *******. *** *** **** * ******* ** **** ********* *** ** *** ****** ***** **********. *** ****** ***** ********** ** *** ******** **** *****, ** *** **** ******** ***** ** ******* ** ** ****** ****** ******, ** ********* ** ******* ********* **** *** ******* *******, ******* *********** ***** ** ******** ******* ************* ***** *** ******** ******* **** **** *** ********* ***** * ********** ********** ******* ** *******, *** ******* *********** *** ********** **** * **** ******* ******* ** *** **** ******* ******* ******** ****.

    Commissions
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Related Information

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