TruStage MaxProtect Annuity (ROP)
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
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.30% |
| 5 Years | 4.55% |
| 7 Years | 4.75% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $99,999.00 | 4% |
| $100,000.00 - $1,000,000.00 | 4.3% |
| Features | |
| Maximum Issue Age | 85 years |
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