Simulation & Edit Mode
Active Product: TruStage – MaxProtect ROP (3-, 5-, and 7-year terms)
TruStage – MaxProtect ROP (3-, 5-, and 7-year terms)
About this product
The MaxProtect Annuity with Return of Principal (ROP) guarantee is a Multi‑Year Guaranteed Annuity (MYGA) issued by CMFG Life Insurance Company under the TruStage brand. It provides a fixed interest rate for a chosen period (3, 5, or 7 years) and ensures the surrender value never falls below the adjusted original premium, offering secure principal protection. The contract includes a 10% annual penalty-free withdrawal allowance, waivers for terminal illness and nursing home confinement, and a full beneficiary death benefit of accumulated value, making it a predictable and flexible choice for retirement planning
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 4.00% |
| 5 Years | 4.10% |
| 7 Years | 4.20% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $10,000.00 - $99,999.00 | 3.70% |
| $100,000.00 - $1,000,000.00 | 4.00% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 4.20% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage