TruStage™ ZoneChoice Advantage Annuity

Issued by:

MEMBERS Life Insurance Company

INITIAL SUMMARY PROSPECTUS FOR NEW INVESTORS

DATED MAY 1, 2025

This Summary Prospectus summarizes key features of the TruStage™ ZoneChoice Advantage Annuity,

an individual or joint owned, single purchase payment deferred index-linked annuity contract. Before you

invest, you should also review the prospectus for the Contract, which contains more information about the

Contract’s features, benefits, and risks. You can find this document and other information about the

Contract online at https://www.trustage.com/regulatory-documents. You can also obtain this information at

no cost by calling 1-800-798-5500 or by emailing AnnuityAndPRTManagersMail@trustage.com.

If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving

it without paying fees or penalties. Upon cancellation, you will receive a full refund of the amount

you paid with your application (less any withdrawals). Some states may permit a longer period for

you to return your Contract, or different calculations and requirements for refunded amounts. You

should review this prospectus, or consult with your investment professional, for additional

information about the specific cancellation terms that apply.

Additional information about certain investment products, including index-linked annuities, has been

prepared by the Securities and Exchange Commission’s staff and is available at investor.gov/.

Neither the SEC nor any state securities commission has approved or disapproved of these

securities or determined if this Prospectus is truthful or complete. Any representation to the

contrary is a criminal offense.

TABLE OF CONTENTS

GLOSSARY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	1
OVERVIEW OF THE CONTRACT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	4
Purpose . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	4
Purchase and Contract Periods . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	4
Allocation Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	4
Withdrawal Options and Market Value Adjustment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	8
Other Contract Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	10
KEY INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	11
BENEFITS AVAILABLE UNDER THE CONTRACT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	16
BUYING THE CONTRACT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	16
MAKING WITHDRAWALS:  ACCESSING THE MONEY IN YOUR CONTRACT . . . . . . . . . . . .	17
Partial Withdrawals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	17
Systematic Withdrawals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	17
Surrenders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	17
Annual Free Withdrawal Amount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	18
Partial Withdrawal and Surrender Restrictions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	18
Right to Defer Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	19
ADDITIONAL INFORMATION ABOUT FEES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	19

APPENDIX A: Allocation Options Available Under the Contract				A-1

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GLOSSARY

Accumulation Period. The period of time that begins on the Contract Issue Date stated on the Data

Page and ends on the Income Payout Date or the date this Contract is terminated if earlier.

Adjusted Index Return. The Index Return for the current Interest Term adjusted for the Crediting

Strategy. This value is only calculated at the end of the Interest Term.

Administrative Office. MEMBERS Life Insurance Company, 2000 Heritage Way, Waverly, Iowa 50677.

Phone: 1-800-798-5500.

Age. Age as of last birthday.

Allocation Options. All available options under the Contract for allocating your Purchase Payment and

Contract Value. Your selling firm may limit the Allocation Options available to you when your Contract is

issued.

Annual Free Withdrawal Amount. The amount that can be withdrawn each Contract Year without

incurring a Surrender Charge or Market Value Adjustment. For the first six Contract Years, it is equal to

10% of the Contract Value determined at the beginning of each Contract Year. Beginning on the sixth

Contract Anniversary, it is equal to 20% of the Contract Value determined at the beginning of each

Contract Year.

Annuitant (Joint Annuitant). The person(s) whose life (or lives) determines the income payment amount

payable under the Contract. If the Owner is a non-natural person, the Annuitant(s) is also the person(s)

whose death determines the Death Benefit.

Authorized Request. A signed and dated request that is in Good Order. Without limitation, any of the

following requests must be signed by all Owners and any assignee: transfer value, change a party to the

Contract, change the Income Payout Date, or make a partial withdrawal or full surrender of the Contract.

An Authorized Request may also include a phone, fax, or electronic request for specific transactions.

Beneficiary (Beneficiaries). The person(s) or entity(ies) who will receive the Death Benefit proceeds due

to the Owner’s death, or in the case of a non-natural Owner, upon the death of the Annuitant.

Boost. The percentage added to an Index Return that is less than zero to determine the Adjusted Index

Return. It is also the minimum Adjusted Index Return when the Index Return is greater than or equal to

zero.

Buffer. The maximum amount of negative interest assumed by the Company for an Interest Term, and

any additional negative interest will be credited to the Risk Control Account.

Business Day. Any day that the New York Stock Exchange is open for trading. All requests for

transactions that are received at our Administrative Office in Good Order on any Business Day prior to

market close, generally 4:00 P.M. Eastern Time, will be processed as of the end of that Business Day.

Cap Rate. The maximum amount of interest the Company will credit to the Risk Control Account for an

Interest Term. If the Cap Rate is uncapped, the Cap Rate is not applied to the Crediting Strategy.

Company. MEMBERS Life Insurance Company; also referred to as “we”, “our” and “us”.

Contract. The TruStage™ ZoneChoice Advantage Annuity, an individual or joint owned, single purchase

payment deferred index-linked annuity contract issued by MEMBERS Life Insurance Company.

Contract Anniversary. The same day and month as the Contract Issue Date for each year the Contract

remains in force.

Contract Issue Date. The day your Contract is issued. This date will be used to determine Contract

Years and Contract Anniversaries.

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Contract Value. The total value of your Contract during the Accumulation Period. All values are

calculated as of the end of a Business Day.

Contract Year. Any twelve-month period beginning on the Contract Issue Date or Contract Anniversary

and ending one day before the next Contract Anniversary.

Crediting Base. The amount used to calculate the Risk Control Account Value. It is equal to the amount

allocated to a Risk Control Account at the start of the Interest Term, reduced proportionally for any

withdrawals, Flex Transfers, or Contract Value applied to an Income Payout Option.

Crediting Strategy. The method by which interest is calculated for an Allocation Option during the

Interest Term.

Data Page. Pages attached to your Contract that describe certain terms applicable to your specific

Contract.

Death Benefit. The amount the Beneficiary is entitled to upon the death of an Owner who is a natural

person or the death of an Annuitant if the Owner is a non-natural person.

Fixed Account. An Allocation Option that is part of our General Account to which we credit a fixed annual

rate of interest referred to as the Fixed Interest Rate.

Fixed Account Nonforfeiture Value. The value used to determine the Fixed Account minimum values. It

applies to the Surrender Value, the entire Contract Value applied to an Income Payout Option, and Death

Benefit proceeds upon the death of an Owner during the Accumulation Period.

Fixed Interest Rate. The effective annual rate of interest credited to the Fixed Account. The Fixed

Interest Rate will never be less than 0.05%.

Flex Transfer. The voluntary transfer of some or all of the value in any Risk Control Account to the Fixed

Account prior to the end of the Interest Term.

Floor. The maximum amount of negative interest for an Interest Term used to determine the Adjusted

Index Return that may be credited to the Risk Control Account for an Interest Term.

General Account. All of the Company’s assets other than the assets in its separate accounts.

Good Order. A request or transaction generally is considered in “Good Order” if we receive it at our

Administrative Office within the time limits, if any, prescribed in this Prospectus for a particular transaction

or instruction, it includes all information and supporting legal documentation necessary for us to execute

the requested instruction or transaction, and is signed by the individual or individuals authorized to

provide the instruction or engage in the transaction. A request or transaction may be rejected or delayed if

not in Good Order. This information and documentation necessary for a transaction or instruction

generally includes, to the extent applicable: the completed application or instruction form; your contract

number; the transaction amount (in dollars or percentage terms); the signatures of all Owners (exactly as

indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or

supporting documentation that we may require, including any consents. With respect to the Purchase

Payment, Good Order also generally includes receipt by us of sufficient funds to affect the purchase. We

may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we

reserve the right to change or waive any Good Order requirement at any time. If you have any questions,

you should contact us or your financial professional before submitting the form or request.

Income Payout Date. The date the first income payment is paid from the Contract to the Owner.

Income Payout Option. The choices available under the Contract for payout of your Contract Value.

Index, Indices. The reference index (or indices) that is a benchmark designed to track the performance

of a portfolio of securities and is used to determine the Index Return, Adjusted Index Return, and Interim

Value for a Crediting Strategy.

Index Return. The percentage change in the reference Index from the beginning of the Interest Term to

the end of the Interest Term.

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Index Value. The closing value for the reference Index as of the end of a Business Day.

Interest Term. The period for which interest is calculated for an Allocation Option. The Interest Term may

vary by Allocation Option. Interest Terms will start and end on a Contract Anniversary, unless otherwise

specified.

Interim Value. The value for a Risk Control Account on any day other than the first and last Business Day

of an Interest Term.

Internal Revenue Code (IRC). The Internal Revenue Code of 1986, as amended.

Market Value Adjustment. An adjustment (increase or decrease) that may be applied to a full surrender

or partial withdrawal prior to the end of the six-year rolling period that begins on the Contract Issue Date.

The Market Value Adjustment does not apply to transfers (including Flex Transfers) or to the Annual Free

Withdrawal Amount.

Non-Qualified Contract. An annuity contract that is independent of any formal retirement or pension

plan.

Owner (Joint Owner). The person(s) or entity who own(s) the Contract and has (have) all rights under

the Contract. Unless owned by a non-natural person, the Owner is also the person(s) whose death

determines the Death Benefit. The Owner is also referred to as “you” or “your”.

Participation Rate. The percentage that may be applied to an Index Return to determine the Adjusted

Index Return. For any Risk Control Account with a Buffer or Floor, the percentage is applied to an Index

Return that is greater than zero. For any Risk Control Account with a Boost, the percentage is applied to

an Index Return that is greater than the Boost.

Payout Period. The period of time that begins on the Income Payout Date and continues until we make

the last payment as provided by the Income Payout Option chosen.

Purchase Payment. The amount paid to us, by or on behalf of an Owner, that is used to establish the

annuity on the Contract Issue Date. We do not allow any additional Purchase Payments.

Qualified Contract. An annuity that is part of an individual retirement plan, pension plan or employer-

sponsored retirement program that is qualified for special treatment under the Internal Revenue Code.

Required Minimum Distributions. The required minimum distribution (RMD) defined by section

401(a)(9) of the IRC for the Contract and as determined by us. RMDs only apply to Qualified Contracts.

Risk Control Account. An Allocation Option to which we credit interest based in part on the performance

of an Index, subject to the Crediting Strategy.

Risk Control Account Value. The portion of the Contract Value in a Risk Control Account.

SEC. The U.S. Securities and Exchange Commission.

Spouse. The person to whom you are legally married. The term Spouse includes the person with whom

you have entered into a legally-sanctioned marriage that grants you the rights, responsibilities, and

obligations married couples have in accordance with applicable state laws. Individuals who do not meet

the definition of Spouse may have adverse tax consequences when exercising provisions under this

Contract and any attached endorsements or riders. Additionally, individuals in other arrangements that are

not recognized as marriage under the relevant state law will not be treated as married or as Spouses as

defined in this Contract for federal tax purposes. Consult with a tax advisor for more information on this

subject and before exercising benefits under the contract and any attached endorsements or riders.

Surrender Charge. The charge associated with surrendering either some or all of the Contract Value.

Surrender Value. The amount you are entitled to receive if you elect to surrender this Contract during the

Accumulation Period.

Valuation Period. The period beginning at the close of one Business Day and continuing to the close of

the next succeeding Business Day.

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OVERVIEW OF THE CONTRACT

The following is a summary of the key features of the Contract. This summary does not include all the

information you should consider before purchasing a Contract. You should carefully read the entire

Prospectus, which contains more detailed information concerning the Contract and the Company, before

making an investment decision.

You should speak with a financial professional about the Contract’s features, benefits, risks, and fees, and

whether it is appropriate for you based upon your financial situation and objectives. The Company is not

an investment adviser and does not provide any investment advice to you in connection with the Contract.

Purpose

The Contract is an individual or joint owned, single purchase payment deferred index-linked annuity

contract. It can help you save for retirement by allowing your Contract Value to earn interest from the Risk

Control Accounts and/or Fixed Account on a tax-deferred basis and by providing the opportunity for

lifetime payments. You generally will not pay taxes on your earnings (your Contract Value minus the

portion of your Purchase Payment not previously withdrawn) until you withdraw them.

The Contract is designed for long-term investors and is not intended for someone who needs ready

access to cash.

Purchase and Contract Periods

You may purchase the Contract with a single Purchase Payment of at least $5,000. You may not make

additional Purchase Payments.

There are two periods to your Contract: an Accumulation Period and a Payout Period.

Accumulation Period. The Accumulation Period begins on the Contract Issue Date and continues until

the Income Payout Date or the date this Contract is terminated if earlier. During the Accumulation Period,

you allocate your Contract Value to the Risk Control Accounts and the Fixed Account. Additional

information about each Allocation Option is provided in Appendix A.

Payout Period. The Payout Period begins on the Income Payout Date and continues until we make the

last payment as provided by the Income Payout Option chosen. On the first day of the Payout Period, the

Contract Value (calculated using the Interim Value calculation, if applicable, and subject to the Fixed

Account Nonforfeiture Value, if applicable) will be applied to the Income Payout Option you selected. You

cannot change the Annuitant or Owner on or after the Income Payout Date for any reason. When the

Payout Period begins, you will no longer be able to make withdrawals. The Death Benefit terminates

when the Contract is applied to an Income Payout Option.

Allocation Options

You must specify the percentage of your Purchase Payment to be allocated to each Allocation Option on

the Contract Issue Date. Your Purchase Payment and Contract Value will be allocated according to your

allocation instructions on file with us. The current Allocation Options under the Contract are shown in the

table below. Your selling firm may limit the Allocation Options available to you when your Contract is

issued.

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ALLOCATION OPTIONS
Risk Control Account Crediting Strategy:  Floor with Participation Rate and Cap Rate
Index	Interest Term	Crediting Strategy	Minimum Guarantee*
S&P 500 Index	1-Year	Floor: 0% to -10% in 1% increments Cap Rate and Participation Rate	Cap Rate: 1% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index	1-Year	Floor: 0% to -10% in 1% increments Cap Rate and Participation Rate	Cap Rate: 1% Participation Rate: 100%
Barclays Risk Balanced Index	1-Year	Floor: 0% to -10% in 1% increments Cap Rate and Participation Rate	Cap Rate: 1% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Buffer with Participation Rate and Cap Rate
Index	Interest Term	Crediting Strategy	Minimum Guarantee*
S&P 500 Index	1-Year	Buffer: -10% Cap Rate and Participation Rate	Cap Rate: 1% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index	1-Year	Buffer: -10% Cap Rate and Participation Rate	Cap Rate: 1% Participation Rate: 100%
S&P 500 Index	6-Year	Buffer: -10% and -20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index	6-Year	Buffer: -10% and -20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Barclays Risk Balanced Index	6-Year	Buffer: -10% and -20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Boost with Participation Rate and Cap Rate
Index	Interest Term	Crediting Strategy	Minimum Guarantee*
S&P 500 Index	6-Year	Boost: 10% and 20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index	6-Year	Boost: 10% and 20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Barclays Risk Balanced Index	6-Year	Boost: 10% and 20% Cap Rate and Participation Rate	Cap Rate: 10% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Buffer with Dual Step Rate
Index	Interest Term	Crediting Strategy	Minimum Guarantee*
S&P 500 Index	6-Year	Buffer: -10% and -20% Dual Step Rate	Dual Step Rate: 10%
Fixed Interest Option
Account	Interest Term	Crediting Strategy	Minimum Guarantee
Fixed Account	1-Year	Fixed Interest Rate	Minimum Rate: 0.05%

* The Floor, Buffer, and Boost for an Allocation Option will not change during the life of your Contract

unless the Allocation Option is discontinued. During the life of your Contract, an Allocation Option with a

Floor of 0% will always be available. We may not always make available Allocation Options with Buffers,

however, if one is available, a Buffer of -10% or more will be available. We may not always make

available Allocation Options with Boosts, but if we do, a Boost of 10% or more will be available.

Interest Terms and Reallocations. Each Allocation Option is available on the Contract Issue Date and at

the end of the Interest Term. For example, after the Contract Issue Date, an Allocation Option with a one-

year Interest Term is available every Contract Anniversary, whereas an Allocation Option with a six-year

Interest Term is available every sixth Contract Anniversary. This means that the six-year Interest Term will

not be available for you to allocate Contract Value to on every Contract Anniversary. If we add an

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Allocation Option, you will not be able to allocate your Contract Value to the new Allocation Option until

the start of the next available Interest Term for that Allocation Option. Additionally, the six-year Interest

Term is unavailable if the Income Payout Date is less than six years from the start of the Interest Term or if

the length of time until a termination date required by federal regulation is less than six years from the

start of the Interest Term.

At least two weeks before the end of an Interest Term, we will notify you of the available Allocation

Options to which you may transfer maturing Contract Value. The new Allocation Options may have

different Interest Terms and Crediting Strategies than what was previously available. If we do not receive

transfer instructions by Authorized Request at least one Business Day before the end of the current

Interest Term, we will apply the value of the maturing Contract Value to a new Interest Term of the same

Allocation Option. If the same Allocation Option is not available, we will apply the value to the Fixed

Account.

New transfer instructions by Authorized Request will supersede any prior transfer instructions for a given

Allocation Option. Except for Flex Transfers, transfers are not permitted during an Interest Term. For

example, you may not transfer values from the Fixed Account to any Risk Control Account or transfer

values among Risk Control Accounts during an Interest Term.

You should understand the difference between the 6-year Interest Term and the 1-year Interest Term. For

the 6-year Interest Term, interest is not calculated or credited until the end of the Interest Term; therefore,

the Crediting Strategy factors (i.e., Buffer, Boost, Cap Rate, Participation Rate, and Dual Step Rate) only

apply at the end of the Interest Term and not annually. As described below, withdrawals before the

end of the Interest Term could significantly reduce the values under the Contract and the amount

you receive from any payments. Moreover, only the Crediting Base remaining in a Risk Control

Account will be credited interest, positive or negative, at the end of the Interest Term.

Fixed Account. The portion of your Contract Value allocated to the Fixed Account is credited interest

daily based on the Fixed Interest Rate. The Fixed Interest Rate will never be less than 0.05%. The initial

Fixed Interest Rate is available in advance of the Contract Issue Date and will be provided by your

financial professional or by calling the Company at 1-800-798-5500. The Fixed Interest Rate for the initial

Interest Term is shown on your Contract Data Page. We will notify you of Fixed Interest Rates for each

subsequent Interest Term at least two weeks before the end of the current Interest Term, or you can

contact your financial professional or the Company at 1-800-798-5500 to obtain current rates.

Risk Control Accounts. The portion of your Contract Value allocated to a Risk Control Account is

credited with interest, if any, based in part on the investment performance of an external Index over the

Interest Term, subject to the Crediting Strategy unique to each Risk Control Account (shown in the table

above). For each Risk Control Account, the Index Return, which can be positive or negative, is calculated

by comparing the change in the Index from the first day of the Interest Term to the last day of the Interest

Term.

The Indices can go up or down based on the securities prices of the companies that comprise the

reference Index. Except for the Barclays Risk Balanced, each Index associated with the Risk

Control Accounts is a "price return index," which means the Index performance does not include

dividends paid on the securities comprising the Index. This will reduce Index performance and will

cause the Index to underperform a direct investment in the underlying securities. The Barclays

Risk Balanced Index reinvests dividends but deducts certain fees. These deductions will reduce Index

performance, and the Index will underperform similar portfolios from which these fees and costs are not

deducted. Because the Index Return is calculated and applied at a single point in time, you may

experience negative or flat performance even though the Index experienced gains through some, or most,

of the Interest Term. It is possible that you will not earn any interest in a Risk Control Account or

that we may credit negative interest to the Risk Control Accounts. You could lose a significant

amount of money if the Index declines in value.

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Each Risk Control Account has a Crediting Strategy that provides a level of downside protection:  Floor,

Buffer, or Boost. The Floor, Buffer, and Boost may provide protection by limiting the amount of negative

interest credited to you from negative Index performance. The Floor, Buffer, and Boost do not limit

losses from the Surrender Charge, Market Value Adjustment, Interim Value calculation,

proportionate calculations, or taxes.

•The Floor is the maximum amount of negative interest that we will credit you at the end of an

Interest Term. Negative Index performance will reduce your Risk Control Account Value by up to

the amount of the Floor you elected. For example, if you elect a Floor of 0%, a negative Index

Return will not reduce your Risk Control Account Value. If you elect a Floor of -10%, negative

Index performance could reduce your Risk Control Value by up to 10% each Interest Term. We

currently offer eleven Floor options:  0%, -1%, -2%, -3%, -4%, -5%, -6%, -7%, -8%, -9%, and

-10%. During the life of your Contract, an Allocation Option with a Floor of 0% will always be

available. There is a risk of loss of principal and previously credited interest of up to the

Floor (a maximum loss of 10% with a Floor of -10%) each Interest Term due to negative

Index performance.

•The Buffer provides you limited protection each Interest Term against negative Index

performance up to the Buffer, but we will credit you any negative interest that exceeds the Buffer.

For example, if you choose a -10% Buffer and the Index Return is -5%, your Risk Control Account

value will not increase or decrease, because the negative Index performance does not exceed

the Buffer. However, if you choose a -10% Buffer and the Index Return is -15%, your Risk Control

Account Value will decrease by 5%, which is the amount of negative interest that exceeds the

Buffer. We currently offer Allocation Options with a -10% Buffer and a -20% Buffer. We may not

always make available Allocation Options with Buffers, but if we do, a Buffer of -10% or more will

be available. There is a risk of loss of principal and previously credited interest of up to the

amount of any negative Index performance that exceeds the Buffer (a maximum loss of

90% with a Buffer of -10%, if the Index declines by 100%) each Interest Term due to

negative Index performance.

•The Boost provides you limited protection each Interest Term by increasing any negative Index

performance by the amount of the Boost. If the Index Return is zero or positive, the Boost is also

the minimum Adjusted Index Return (subject to the Cap Rate). For example, if you choose a 10%

Boost and the Index Return is -5%, your Risk Control Account value will increase by 5% (the -5%

Index Return plus the 10% Boost). If you choose a 10% Boost and the Index Return is -15%, your

Risk Control Account Value will decrease by 5%, (the -15% Index Return plus the 10% Boost).

We currently offer Allocation Options with a 10% Boost and a 20% Boost. We may not always

make available Allocation Options with Boosts, but if we do, a Boost of 10% or more will be

available. There is a risk of loss of principal and previously credited interest of up to the

amount of any negative Index performance that exceeds the Boost (a maximum loss of

90% with a 10% Boost, if the Index declines by 100%) each Interest Term due to negative

Index performance.

Each Risk Control Account also has one or more Crediting Strategies for crediting Index Interest: the Cap

Rate, Participation Rate, and Dual Step Rate. The Cap Rate and Dual Step Rate may limit the amount of

interest you can earn from positive Index performance.

•The Cap Rate is the maximum amount of any positive Index interest that we will credit you at the

end of an Interest Term. Positive Index performance will increase your Risk Control Account Value

by up to the Cap Rate. For example, if the Index Return is 15% and the Cap Rate is 10%, we

would credit you 10%. Generally, the Cap Rate varies according to the level of risk you accept in

choosing a Floor, Buffer, or Boost. For example, the Cap Rate would be higher for the -10% Floor

(allowing potentially greater increases and decreases) and lower for the 0% Floor (limiting the

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amount of potential increases and decreases). Similarly, the Cap Rate will also be higher for a

-10% Buffer or 10% Boost than for a -20% Buffer or 20% Boost. Generally, the Cap Rate will also

be higher for a six-year Interest Term than a one-year Interest Term. We reset the Cap Rates at

the start of each Interest Term. The Cap Rate for Risk Control Accounts with one-year Interest

Terms will never be less than 1%, and the Cap Rate for Risk Control Accounts with six-year

Interest Terms will never be less than 10%. With the Cap Rate, you may receive only a portion

of any positive Index performance.

•The Participation Rate is the percentage of any positive Index interest that we will credit you at

the end of an Interest Term. For Risk Control Accounts with a Buffer or Floor, the Participation

Rate is applied to any positive Index Return. For example, if the Index Return is 15% and the

Participation Rate is 110%, we would credit you 16.5% (110% of 15%). For Risk Control Accounts

with a Boost, the Participation Rate is applied to any Index Return that is greater than the Boost.

For example, if the Boost is 10%, the Index Return is 15%, and the Participation Rate is 110%,

we would credit you 15.75% (the 10% Boost plus 110% of 5%, the Index Return that is greater

than the Boost). We reset the Participation Rate at the start of each Interest Term. The

Participation Rate will never be less than 100%, which means that the Participation Rate alone

will not limit the amount of Interest you earn from positive Index performance.

•The Dual Step Rate is the Adjusted Index Return that we will credit you when the Index Return is

greater than or equal to the applicable Buffer. In other words, if you choose a Buffer of -10%, the

Dual Step Rate will only apply if there is negative Index Return that is -10% or better, or a

positive Index Return. We will not credit you interest from positive Index performance that

exceeds the Dual Step Rate. For example, if the Buffer is -10% and the Index Return is -5%

(which is greater than the Buffer), and the Dual Step Rate is 50%, we would credit you with the

Dual Step Rate of 50%. Similarly, if the Buffer is -10% and there is a positive Index Return of

60%, and the Dual Step Rate is 50%, we would credit you with the Dual Step Rate of 50%.

However, if the Buffer is -10% and the Index Return is -15% (which is less than the Buffer), the

Dual Step Rate would not apply, and we would credit you with -5% (the -15% Index Return minus

the -5% Buffer).The Dual Step Rate will never be less than 10%. With the Dual Step Rate, you

may receive only a portion of any positive Index performance.

Changes to Rates. We set the Cap Rate, Participation Rate, and Dual Step Rate at the start of each

Interest Term and guarantee them for the duration of the Interest Term. The initial Cap Rate, Participation

Rate, and Dual Step Rate are available at least two weeks in advance of the Contract Issue Date and will

be provided by your financial professional or by calling the Company at 1-800-798-5500. We may declare

a new Cap Rate, Participation Rate, or Dual Step Rate for each subsequent Interest Term and will notify

you of any new rates at least two weeks before the end of the current Interest Term. Information about the

current Cap Rates, Participation Rates, and Dual Step Rates can be located at: https://www.trustage.com/

zonechoice-advantage-annuity-rates.

Other Changes to Allocation Options. We may offer additional Allocation Options at our discretion,

which includes offering an additional Index, Crediting Strategy, or Interest Term. We may also discontinue

an Allocation Option or Index at our discretion effective as of the end of an Interest Term, or under certain

circumstances, before the end of an Interest Term. An Index or Allocation Option change may

negatively affect interest credited and your resulting Contract Value, as well as how you want to

allocate Contract Value between available Allocation Options.

Withdrawal Options and Market Value Adjustment

As described below, this Contract may not be appropriate for you if you intend to take partial

withdrawals (including systematic withdrawals and Required Minimum Distributions) or surrender

the Contract. However, the Contract does offer the following liquidity features during the Accumulation

Period.

9

•Annual Free Withdrawal Amount - Each Contract Year, you may withdraw up to the Annual Free

Withdrawal Amount without incurring a Surrender Charge or Market Value Adjustment. For the

first six Contract Years, the Annual Free Withdrawal Amount is equal to 10% of the Contract Value

determined at the beginning of each Contract Year. Beginning on the sixth Contract Anniversary, it

is equal to 20% of the Contract Value determined at the beginning of each Contract Year. Any

unused Annual Free Withdrawal Amount will not carry over to any subsequent Contract Year. The

Annual Free Withdrawal Amount is subject to Interim Value calculations and proportionate

adjustments.

•Systematic Withdrawals - You may elect to receive payments, monthly, quarterly, semi-annually,

or annually, subject to the $100 minimum partial withdrawal amount and minimum Surrender

Value. Surrender Charges, the Interim Value calculation, and a Market Value Adjustment may

apply. Although the Contract permits systematic withdrawals (including for Required Minimum

Distributions under the Internal Revenue Code), these withdrawals may have an adverse effect

on your values under the Contract. If you intend to make ongoing withdrawals, you should consult

a financial professional to determine whether the Contract is appropriate for you.

•Partial Withdrawals - You may make partial withdrawals during the Accumulation Period by

Authorized Request. Any applicable Surrender Charge, Market Value Adjustment, Interim Value

calculation, and the use of proportionate calculations will affect the amount available for a partial

withdrawal. A partial withdrawal may reduce your Death Benefit and the Crediting Base by more

than the amount of the partial withdrawal. Additionally, only the remaining principal in the Risk

Control Account will be credited interest, positive or negative, at the end of the Interest Term.

•Full Surrender - You may surrender your Contract during the Accumulation Period by Authorized

Request. Upon full surrender, a Surrender Charge, and Market Value Adjustment may apply, and

the Interim Value calculation may reflect a negative return.

During an Interest Term, you may make an Authorized Request for a Flex Transfer of some or all of the

Risk Control Account Value from any Risk Control Account to the Fixed Account. The amount transferred

is based on the Interim Value (which may reflect a positive or negative return) and will reduce the

Crediting Base of the Risk Control Account proportionally. If you make a Flex Transfer when the Interim

Value reflects a negative return, you may transfer at a loss, which means your remaining Crediting Base

will be reduced by more than the transferred amount, and that reduction could be substantial. Additionally,

only the Crediting Base remaining after the Flex Transfer will be credited index interest, positive or

negative, at the end of the Interest Term. The decision to make a Flex Transfer could therefore

significantly negatively impact your Risk Control Account Value, which impacts other values

under the Contract and the amount you receive from any payments.

Withdrawals, Flex Transfers, and surrenders on any date other than the first and late day of an Interest

Term will be subject to the Interim Value calculation. Withdrawals and surrenders at any time other than

on or within 30 days after each sixth Contract Anniversary will be subject to the Market Value

Adjustment. The Interim Value calculation and Market Value Adjustment may be positive or negative and

could result in the loss of principal and previously credited interest and may significantly decrease the

amount you receive upon surrender or partial withdrawal. It is possible in extreme circumstances to

lose up to 100% of your principal and previously credited interest due to the Surrender Charge,

Interim Value calculation, Market Value Adjustment, and proportionate calculations. The Crediting

Strategies do not limit such losses; however, full surrenders from the Fixed Account are subject

to the Fixed Account nonforfeiture value. Withdrawals and surrenders are subject to federal income

taxes and may be subject to a 10% additional tax if taken before the Owner is age 59½.

10

Other Contract Features

Death Benefit. The Death Benefit during the Accumulation Period is equal to the greater of Contract

Value (including any applicable Interim Value calculation or Market Value Adjustment) or the Purchase

Payment adjusted for withdrawals as of the date the Death Benefit is payable. Withdrawals and Flex

Transfers could significantly reduce the Death Benefit, perhaps by substantially more than the

amount of the withdrawal or transfers, because of the Interim Value calculation and the calculation

of withdrawals on a proportionate basis when determining the Death Benefit. We do not apply a

Surrender Charge or Market Value Adjustment in determining the Death Benefit.

Income Payout Options. You have several income options to choose from during the Payout Period.

Right to Examine. You may cancel your Contract and receive your Purchase Payment, less any

withdrawals.

Please call your financial professional or the Company at 1-800-798-5500 if you have questions about

how your Contract works.

11

KEY INFORMATION

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE TRUSTAGE™ ZONECHOICE ADVANTAGE ANNUITY
FEES, EXPENSES, AND ADJUSTMENTS					Location in Prospectus
Are There Charges or Adjustments for Early Withdrawals?	Yes. If you surrender your contract or take a withdrawal during the first six Contract Years, you may be assessed a Surrender Charge of up to 8% of the amount withdrawn in excess of the Annual Free Withdrawal Amount. For example, if you were to surrender your Contract during the first Contract Year, you could pay a surrender charge of up to $7,200 on a $100,000 investment. Your loss will be greater if there is a negative Market Value Adjustment, negative Interim Value adjustment, income taxes, or an additional tax.  If you surrender your Contract or take a withdrawal from any Allocation Option at any time other than on or within 30 days after each sixth Contract Anniversary, we will apply a Market Value Adjustment (which may be positive or negative) to the amount being withdrawn that is in excess of the Annual Free Withdrawal Amount. The Market Value Adjustment could result in the loss of your principal and previously credited interest. In extreme circumstances, losses from the Market Value Adjustment could be as high as 90% of your Contract Value ($90,000 of a $100,000 investment). If you surrender your Contract or take a withdrawal from a Risk Control Account before the expiration of an Interest Term, the amount withdrawn is based on the Interim Value (which may reflect a positive or negative return) and will reduce the Crediting Base proportionally. The Interim Value calculation could result in the loss of your principal and previously credited interest. In extreme circumstances, losses from the Interim Value calculation could be as high as 100% of your Risk Control Account Value ($100,000 of a $100,000 investment). The Crediting Strategies do not limit losses from the Surrender Charge, Market Value Adjustment, or Interim Value calculation; however, full surrenders from the Fixed Account are subject to the Fixed Account nonforfeiture value.				Fee Table Charges and Adjustments
Are There Transaction Charges?	No.
Are There Ongoing Fees and Expenses?	Yes. There is an implicit ongoing fee on the Risk Control Accounts to the extent that the Cap Rate or Dual Step Rate limit your participation in Index gains. This means your returns may be lower than the Index's returns; however, in exchange for accepting limits on Index gains, you receive some protection from Index losses through the Floors, Buffers, and Boosts. Please refer to your Data Page for information about the specific implicit fees you will pay each year based on the options you have elected.				Fee Table Charges and Adjustments
RISKS					Location in Prospectus

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Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in the Contract, including loss of principal and previously credited interest, due to negative Index performance. There is a risk of loss of principal and previously credited interest of up to the Floor (a maximum loss of 10% with a Floor of -10%) each Interest Term due to negative Index performance. There is a risk of loss of principal and previously credited interest of up to the amount of any negative Index performance that exceeds the Buffer (a maximum loss of 90% with a Buffer of -10%, if the Index declines by 100%) each Interest Term due to negative Index performance.  There is a risk of loss of principal and previously credited interest of up to the amount of any negative Index performance that exceeds the Boost (a maximum loss of 90% with a 10% Boost, if the Index declines by 100%) each Interest Term due to negative Index performance.				Principal Risks of Investing in the Contract
Is this a Short- Term Investment?	No. The Contract is not a short-term investment and is not appropriate if you need ready access to cash. The benefits of tax deferral mean that the Contract is more beneficial if you have a long time horizon. Withdrawals and surrenders may be subject to a Surrender Charge, a Market Value Adjustment (which may be positive or negative), the Interim Value calculation (which may be positive or negative), and federal and state income taxes, and, if taken before age 59½, a 10% additional tax. Withdrawals will also reduce the Death Benefit and Contract Values, perhaps by significantly more than the amount of the withdrawal. At least two weeks before the end of an Interest Term, you will be notified of the available Allocation Options to which you may transfer maturing Contract Value. The new Allocation Options may have different Interest Terms and Crediting Strategies than what was previously available. If we do not receive transfer instructions by Authorized Request at least one Business Day before the end of the current Interest Term, we will apply the maturing Contract Value to a new Interest Term of the same Allocation Option. If the same Allocation Option is not available, we will apply the value to the Fixed Account.				Principal Risks of Investing in the Contract Charges and Adjustments Federal Income Tax Matters

13

What are the Risks Associated with the Allocation Options?	An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Allocation Options available under the Contract. Each Allocation Option, including the Risk Control Accounts and the Fixed Account, has its own unique risks. You should review the Allocation Options carefully before making an investment decision. The Cap Rate and Dual Step Rate may limit positive Index returns. For example, if the Index performance is 20%, and the Cap Rate or Dual Step Rate (as applicable) is 10%, we will credit 10% in interest at the end of the Interest Term. You may earn less than the Index performance as a result. The Floor, Buffer, and Boost will limit negative Index performance and thereby provide limited protection in the case of a market decline. For example, if the Index performance is -25% and the Floor is -10%, we will credit -10% at the end of the Interest Term. If the Index performance is -25% and the Buffer is -10%, we will credit -15% at the end of the Interest Term. If the Index performance is -25% and the Boost is 10%, we will credit -15% at the end of the Interest Term. Except for the Barclays Risk Balanced, each Index associated with the Risk Control Accounts is a "price return index," which means the Index performance does not include dividends paid on the securities comprising the Index. This will reduce Index performance and will cause the Index to underperform a direct investment in the underlying securities. The Barclays Risk Balanced Index reinvests dividends but deducts certain fees. These deductions will reduce Index performance, and the Index will underperform similar portfolios from which these fees and costs are not deducted.				Principal Risks of Investing in the Contract Risk Control Account Options Appendix A
What Are the Risks Related to the Insurance Company?	An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Account and the Risk Control Accounts), guarantees (such as the Death Benefit), or benefits are subject to the Company's claims-paying ability. More information about the Company, including its financial strength ratings, is available upon request by calling 1-800-798-5500.				Principal Risks of Investing in the Contract
RESTRICTIONS					Location in Prospectus
Are There Restrictions on the Allocation Options?	Yes, as described below there are restrictions on certain features of allocations, transfers, withdrawals, and investment option features.
	Allocations. Each Allocation Option is available on the Contract Issue Date and at the end of the Interest Term. For example, after the Contract Issue Date, an Allocation Option with a one-year Interest Term is available every Contract Anniversary, whereas an Allocation Option with a six-year Interest Term is available every sixth Contract Anniversary. If we add an Allocation Option, you will not be able to allocate your Contract Value to the new Allocation Option until the start of the next available Interest Term for that Allocation Option. Additionally, the six-year Interest Term is unavailable if the Income Payout Date is less than six years from the start of the Interest Term or if the length of time until a termination date required by federal regulation is less than six years from the start of the Interest Term.				Allocating Your Purchase Payment

14

	Changes to Investment Options and Features. We may set a new Cap Rate, Participation Rate and/or Dual Step Rate for a subsequent Interest Term. We will notify you of any new rates at least two weeks before the end of the current Interest Term. We reserve the right to add, substitute, or eliminate Indices and Allocation Options as described in this Prospectus. If there is a delay between the date we remove the Index and the date we add a substitute Index, your Risk Control Account Value will be based on the value of the Index on the date the Index ceased to be available, which means market changes during the delay will not be used to calculate the index interest. We may change, discontinue, or establish restrictions on Flex Transfers, including limitations on the number, frequency, or amount of Flex Transfers, at any time.				Risk Control Account Options
Are There any Restrictions on Contract Benefits?	Yes. Systematic Withdrawals may be taken on a monthly, quarterly, semi-annual, or annual basis. The withdrawals must be at least $100 each. There are additional limitations on the amounts that you may request and the timing for requesting and terminating Systematic Withdrawals. A Market Value Adjustment and Surrender Charge may apply.				Benefits Available under the Contract
TAXES					Location in Prospectus
What Are the Contract's Tax Implications?	You should consult with a tax professional to determine the tax implications of the Contract. There is no additional tax benefit if you purchase the Contract through a qualified retirement plan or individual retirement account (IRA). Withdrawals from the Contract are subject to ordinary income tax, and may be subject to a 10% additional tax if taken before age 59½.				Federal Income Tax Matters
CONFLICTS OF INTEREST					Location in Prospectus

15

How Are Investment Professionals Compensated?	Some investment professionals (also referred to as "financial professionals" in this prospectus) may receive compensation for selling the Contract to you in the form of commissions or other compensation. These other forms of compensation may include cash bonuses, insurance benefits and financing arrangements. Non-cash benefits may include conferences, seminars and trips (including travel, lodging and meals in connection therewith), entertainment, merchandise and other similar items. The Company may also pay asset-based commissions (sometimes called trail commissions) in addition to Purchase Payment-based commissions. Investment professionals may also receive other payments from us for services that do not directly involve the sale of the Contracts, including personnel recruitment and training, production of promotional literature and similar services. As a result of these compensation arrangements, investment professionals may have a financial incentive to offer or recommend the Contract over another investment. You should ask your investment professional for additional information about the compensation he or she receives in connection with your purchase of the Contract.				Other Information - Distribution of the Contract
Should I Exchange My Contract?	You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own.				Getting Started - The Accumulatio n Period - Tax Free 1035 Exchanges

16

BENEFITS AVAILABLE UNDER THE CONTRACT

The following table summarizes information about the benefits available under the Contract.

Benefit	Purpose	Standard or Optional	Maximum Fee	Brief Description of  Restrictions and Limitations
Death Benefit	Provides a Death Benefit if the Owner dies during the Accumulation Period	Standard	No Charge	Withdrawals or Flex Transfers may reduce the Death Benefit by more than the amount of the withdrawal.
Systematic Withdrawals	Provide payments on a schedule as set up by you.	Optional	No Charge	Withdrawals may be subject to a Market Value Adjustment or Surrender Charge.

BUYING THE CONTRACT

The minimum Purchase Payment for a Non-Qualified or Qualified Contract is $5,000. The Company does

not allow additional Purchase Payments. A Purchase Payment for a Contract, or Purchase Payments for

multiple Contracts owned by the same individual, that equals or exceeds $1 million requires our prior

approval, which may be withheld at our sole discretion.

We offer the Contract to individuals, certain retirement plans, and other entities. To purchase a Contract,

you and the Annuitant must be at least Age 21 and no older than Age 85.

We sell the Contract through financial professionals. To start the purchase process, you must submit an

application to your financial professional. The Purchase Payment must either be paid at the Company’s

Administrative Office or delivered to your financial professional. Your financial professional will then

forward your completed application and Purchase Payment (if applicable) to us. The selling firm’s

determination of whether the Contract is suitable for you may delay our receipt of your application. Any

such delays will affect when we issue your Contract.

If the application for a Contract is properly completed and is accompanied by all the information

necessary to process it, including payment of the Purchase Payment, the Purchase Payment will be

allocated to the Allocation Options you choose on the next available Contract Issue Date.

After we receive a completed application, Purchase Payment, and all other information necessary to

process a purchase order in Good Order, we will begin the process of issuing the Contract on the next

Contract Issue Date available. Contract Issue Dates offered by the Company are currently the 10th and

25th of each month unless those days fall on a non-Business Day. In that case, we issue the Contract on

the next Business Day with an effective Contract Issue Date of the 10th or 25th. Please note that during the

period between the date your Purchase Payment is delivered to us and the next available Contract Issue

Date, we will hold your Purchase Payment in our General Account and not pay interest on it. Thus, during

that period, your Purchase Payment will not be allocated to either the Risk Control Accounts or the Fixed

Account.

On the Contract Issue Date, your Purchase Payment will be allocated according to your allocation

instructions on file with us. You must specify the percentage of your Purchase Payment to be allocated to

each Allocation Option on the Contract Issue Date. The amount you direct to an Allocation Option must be

in whole percentages from 1% to 100% of the Purchase Payment, and your total allocation must equal

100%. If you do not indicate your allocations on the application, our Administrative Office will attempt to

17

contact your financial professional and/or you for clarification. We will not issue the Contract without your

allocation instructions.

MAKING WITHDRAWALS:  ACCESSING THE MONEY IN YOUR CONTRACT

Partial Withdrawals

At any time during the Accumulation Period you may make partial withdrawals by Authorized Request in

Good Order. The minimum partial withdrawal amount is $100. Unless you instruct us otherwise,

withdrawals will be processed proportionally from the Contract Value in all Allocation Options. Any

applicable Surrender Charge, Market Value Adjustment, and Interim Value calculation will affect the

amount available for a partial withdrawal. We will pay you the amount you request in connection with a

partial withdrawal by reducing Contract Value in the Fixed Account or the appropriate Risk Control

Accounts.

Partial withdrawals for less than $25,000 are permitted by telephone and in writing. The written consent of

all Owners must be obtained before we will process the partial withdrawal. If an Authorized Request in

Good Order is received by 4:00 P.M. Eastern Time, it will be processed that day. If an Authorized Request

in Good Order is received after 4:00 P.M. Eastern Time, it will be processed on the next Business Day.

If a partial withdrawal would cause your Surrender Value to be less than $2,000, we will treat your request

for partial withdrawal as a request for full surrender of your Contract. Before processing the full surrender,

we will attempt to contact you or your financial professional to provide the opportunity for you to take a

lower amount to maintain a Surrender Value of at least $2,000. If we are unable to contact you within one

Business Day after receiving your request, we will process the full surrender.

The Contract may not be appropriate for investors who plan to take withdrawals (including

systematic withdrawals and Required Minimum Distributions) or surrender the Contract. All

withdrawals, including systematic withdrawals and Required Minimum Distributions, will

proportionally reduce the Death Benefit and Crediting Base by the ratio of the withdrawal to the

Contract Value immediately prior to the withdrawal. This means the Death Benefit and Crediting

Base may decrease by more than the amount of the withdrawal, and that decrease could be

significant. Partial withdrawals could terminate the Contract. Partial Withdrawals could also

significantly reduce the values under your Contract due to the Interim Value calculation, Market

Value Adjustment, and Surrender Charge. Moreover, only the Crediting Base remaining after the

withdrawal will be credited interest, positive or negative, at the end of the Interest Term.

Systematic Withdrawals

Our systematic withdrawal program is an administrative program designed for you to take recurring

automatic withdrawals at the frequency you select. You can receive payments, monthly, quarterly, semi-

annually, or annually, subject to the $100 minimum partial withdrawal amount and minimum Surrender

Value described in this section. Although the Contract permits systematic withdrawals (including for

Required Minimum Distributions under the Internal Revenue Code) from the Risk Control Accounts, these

withdrawals may have an adverse effect on your values under the Contract. If you intend to make ongoing

withdrawals, you should consult a financial professional to determine whether the Contract is appropriate

for you.

Surrenders

You may surrender your Contract for the Surrender Value at any time during the Accumulation Period by

Authorized Request. The consent of all Owners must be obtained before the Contract is surrendered. If

an Authorized Request in Good Order is received before 4:00 P.M. Eastern Time on a Business Day, it will

18

be processed that day. If an Authorized Request in Good Order is received at or after 4:00 P.M. Eastern

Time on a Business Day or on a non-Business Day, it will be processed on the next Business Day.

If you surrender the Contract, you will be paid the Surrender Value, as of the Business Day we received

your Authorized Request in Good Order.

The Surrender Value is calculated separately for the Fixed Account and Risk Control Accounts.

The Surrender Value for the Fixed Account is equal to:

1)Your Fixed Account Value at the end of the Valuation Period in which we receive your Authorized

Request; minus

2)Any applicable Surrender Charge; adjusted for

3)Any applicable Market Value Adjustment; and

4)Where the resulting value is not less than the Fixed Account Nonforfeiture Value.

The Surrender Value for the Risk Control Accounts is equal to:

1)Your Risk Control Account Value at the end of the Valuation Period in which we receive your

Authorized Request; minus

2)Any applicable Surrender Charge; and adjusted for

3)Any applicable Market Value Adjustment.

Instead of crediting interest to amounts that are surrendered prior to the end of the Interest Term,

the amount withdrawn or transferred is based on the Interim Value (which may reflect a positive or

negative return) and will reduce the Crediting Base proportionally. The Surrender Value could be

significantly lower than your Contract Value due to the Interim Value calculation, Market Value

Adjustment, and Surrender Charge applied to amounts that are surrendered prior to the end of the

Interest Term. A surrender is subject to income tax and, if taken before age 59½, a 10% additional

tax may apply. You should consult a tax adviser before requesting a surrender.

Upon payment of the Surrender Value, this contract is terminated, and we have no further obligation

under this contract. We may require that the Contract be returned to our Administrative Office prior to

making payment of the Surrender Value. The Surrender Value will not be less than the amount required

by state law or the Interstate Insurance Product Regulation Commission, depending on the state in which

the contract was delivered for sale. We will pay you the amount you request in connection with a full

surrender by withdrawing Contract Value in the Fixed Account and the Risk Control Accounts.

Annual Free Withdrawal Amount

Your Annual Free Withdrawal Amount is the amount that can be withdrawn each Contract Year without

incurring a Surrender Charge or Market Value Adjustment. For the first six Contract Years the Annual Free

Withdrawal Amount is equal to 10% of the Contract Value determined at the beginning of each Contract

Year. Beginning on the sixth Contract Anniversary, it is equal to 20% of the Contract Value determined at

the beginning of each Contract Year. Any unused Annual Free Withdrawal Amount will not carry over to

any subsequent Contract Year. The Annual Free Withdrawal Amount is still subject to Interim Value

calculations and proportionate adjustments. Partial annuitization will count toward the Annual Free

Withdrawal Amount.

The Annual Free Withdrawal Amount is subtracted from surrenders for purposes of calculating the

Surrender Charge and Market Value Adjustment.

Partial Withdrawal and Surrender Restrictions

Your right to make partial withdrawals and surrender the Contract is subject to any restrictions imposed by

any applicable law or employee benefit plan.

19

Right to Defer Payments

We reserve the right to postpone payment for up to six months after we receive your Authorized Request

in Good Order, subject to obtaining prior written approval by the state insurance commissioner if required

by the law of the state in which we issued the Contract. In the event we postpone payment, we will pay

interest on the proceeds if required by state law, calculated at the effective annual rate and for the time

period required under state law.

ADDITIONAL INFORMATION ABOUT FEES

The following tables describe the fees, expenses, and adjustments that you will pay when buying,

owning, and surrendering or making withdrawals from an Allocation Option or from the Contract.

Please refer to your Data Page for information about the specific fees you will pay each year

based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time you buy the Contract,

surrender or make withdrawals from an Allocation Option or from the Contract, transfer Contract

Value between Allocation Options, or request special services. State premium taxes may also be

deducted.

Transaction Expenses	Charge
Maximum Surrender Charge (as a percentage of Contract Value surrendered or withdrawn)(1)	8%

(1)We deduct a Surrender Charge from each withdrawal and surrender that exceeds the Annual Free Withdrawal Amount during

the first six Contract Years. We do not assess a Surrender Charge on certain withdrawals and surrenders, such as under the

Nursing Home or Hospital Waiver or Terminal Illness Waiver.

The next table describes the adjustments, in addition to any transaction expenses, that apply if all

or a portion of the Contract Value is removed from an Allocation Option or from the Contract prior

to the end of an Interest Term.

Adjustments	Charge
Interim Value Maximum Potential Loss (as a percentage of Contract Value withdrawn or surrendered)(1)	100%
Market Value Adjustment Maximum Potential Loss (as a percentage of Contract Value withdrawn or surrendered)(2)	90%

(1)During the Accumulation Period, if you surrender, withdraw, or make a Flex Transfer from a Risk Control Account prior to the

end of an Interest Term, the amount withdrawn or transferred is based on the Interim Value and will reduce the Crediting Base

proportionally. The Interim Value calculation may reflect a positive or negative return that increases or decreases the amount

you receive from a partial withdrawal or surrender, or the amount transferred from the Risk Control Account.

(2)During the Accumulation Period, if you surrender or withdraw your Contract Value at any time other than on or within 30 days

after each sixth Contract Anniversary, we will apply a Market Value Adjustment (which may be positive or negative) to the

amount being withdrawn that is in excess of the Annual Free Withdrawal Amount. The Market Value Adjustment increases or

decreases the amount you receive from a partial withdrawal or surrender of value allocated to the Risk Control Accounts or the

Fixed Account.

In addition to the fees described above, the Cap Rates and Dual Step Rates limit the amount you

can earn with respect to each Risk Control Account. This means your returns may be lower than

the Index’s returns. In return for accepting this limit on Index gains, you will receive some

protection from Index losses.

A-1

APPENDIX: ALLOCATION OPTIONS AVAILABLE UNDER THE CONTRACT

Note: During the Accumulation Period, if you surrender your Contract or take a partial withdrawal

at any time other than on or within 30 days after each sixth Contract Anniversary, we will apply

a Market Value Adjustment (which may be positive or negative) to the amount being surrendered

or withdrawn that is in excess of the Annual Free Withdrawal Amount. This may result in a

significant reduction in your Contract Value.

Risk Control Account Options

The following is a list of the Risk Control Account options currently available under the Contract. We may

change the features of the Risk Control Accounts listed below (including the Index and the Crediting

Strategies and their components), offer new Risk Control Accounts, and terminate existing Risk Control

Accounts. We will provide you with written notice before making any changes other than changes to the

Cap Rates, Participation Rates, and Dual Step Rates. Information about current Cap Rates, Participation

Rates and Dual Step Rates is available at https://www.trustage.com/zonechoice-advantage-annuity-rates.

During the Accumulation Period, if you surrender, withdraw, or make a Flex Transfer from a Risk

Control Account before the end of an Interest Term, such withdrawals will be subject to the

Interim Value calculation, which may reflect a negative return. This may result in a significant

reduction in your Contract Value that could exceed any protection from Index loss that would be

in place if you held the option until the end of the Interest Term.

ALLOCATION OPTIONS
Risk Control Account Crediting Strategy:  Floor with Participation Rate and Cap Rate
Index	Type of Index	Crediting Period	Limit on Index Loss (if held to the end of the Crediting Period)	Minimum Limit on Index Gain (for the Life of the Contract)
S&P 500 Index(1)	Stock market index based on market capitalizations of 500 leading companies publicly traded in the U.S. stock market.	1-Year	Floor:  0% to -10% in 1% increments	Cap Rate: 1% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index(1)	Stock market index that invests within the smallest 8% of the US market down to $100 million in market capitalization with relative prices in the lowest 40% when ranked by price to book.	1-Year	Floor:  0% to -10% in 1% increments	Cap Rate: 1% Participation Rate: 100%
Barclays Risk Balanced Index(1)	Allocates between equities and fixed income using the principles of Modern Portfolio Theory, which seeks to maximize the expected return based on a given level of market risk.	1-Year	Floor:  0% to -10% in 1% increments	Cap Rate: 1% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Buffer with Participation Rate and Cap Rate

A-2

Index	Type of Index	Crediting Period	Limit on Index Loss (if held to the end of the Crediting Period)	Minimum Limit on Index Gain (for the Life of the Contract)
S&P 500 Index(1)	Stock market index based on market capitalizations of 500 leading companies publicly traded in the U.S. stock market.	1-Year	Buffer:  -10%	Cap Rate: 1% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index(1)	Stock market index that invests within the smallest 8% of the US market down to $100 million in market capitalization with relative prices in the lowest 40% when ranked by price to book.	1-Year	Buffer: -10%	Cap Rate: 1% Participation Rate: 100%
S&P 500 Index(1)	Stock market index based on market capitalizations of 500 leading companies publicly traded in the U.S. stock market.	6-Year	Buffer: -10% and -20%	Cap Rate: 10% Participation Rate: 100%
Dimensional US Small Cap Value Systematic Index(1)	Stock market index that invests within the smallest 8% of the US market down to $100 million in market capitalization with relative prices in the lowest 40% when ranked by price to book.	6-Year	Buffer: -10% and -20%	Cap Rate: 10% Participation Rate: 100%
Barclays Risk Balanced Index(1)	Allocates between equities and fixed income using the principles of Modern Portfolio Theory, which seeks to maximize the expected return based on a given level of market risk.	6-Year	Buffer: -10% and -20%	Cap Rate: 10% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Boost with Participation Rate and Cap Rate
Index	Type of Index	Crediting Period	Limit on Index Loss (if held to the end of the Crediting Period)	Minimum Limit on Index Gain (for the Life of the Contract)
S&P 500 Index(1)	Stock market index based on market capitalizations of 500 leading companies publicly traded in the U.S. stock market.	6-Year	Boost:  10% and 20%	Cap Rate: 10% Participation Rate: 100%

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Dimensional US Small Cap Value Systematic Index(1)	Stock market index that invests within the smallest 8% of the US market down to $100 million in market capitalization with relative prices in the lowest 40% when ranked by price to book.	6-Year	Boost:  10% and 20%	Cap Rate: 10% Participation Rate: 100%
Barclays Risk Balanced Index(1)	Allocates between equities and fixed income using the principles of Modern Portfolio Theory, which seeks to maximize the expected return based on a given level of market risk.	6-Year	Boost:  10% and 20%	Cap Rate: 10% Participation Rate: 100%
Risk Control Account Crediting Strategy:  Buffer with Dual Step Rate
Index	Type of Index	Crediting Period	Limit on Index Loss (if held to the end of the Crediting Period)	Minimum Limit on Index Gain (for the Life of the Contract)
S&P 500 Index(1)	Stock market index based on market capitalizations of 500 leading companies publicly traded in the U.S. stock market.	6-Year	Buffer:  -10% and -20%	Dual Step Rate: 10%

(1)Except for the Barclays Risk Balanced, the performance of each Index associated with the Risk

Control Accounts does not include dividends paid on the securities comprising the Index, and

therefore, the performance of the Index does not reflect the full performance of those underlying

securities. This will reduce Index performance and will cause the Index to underperform a direct

investment in the underlying securities. The Barclays Risk Balanced Index reinvests dividends but

deducts a fee of 0.5% for the equity exposure, and 0.2% per year for the treasury exposure, and a

cost equal to SOFR plus 0.1145% for the equity component. Therefore, the aggregate fee will depend

on the Index's relative allocations to the equity and treasury components from time to time, which are

determined by the volatility control mechanism. SOFR refers to the Secured Overnight Financing

Rate, which was 4.49% as of December 31, 2024. The New York Fed publishes the SOFR on its

website each Business Day. These deductions will reduce Index performance, and the Index will

underperform similar portfolios from which these fees and costs are not deducted.

(2)We credit interest to each Risk Control Account at the end of each Interest Term by comparing the

change in the Index from the first day of the Interest Term to the last day of the Interest Term.

Because Index interest is calculated on a single point in time you may experience negative or flat

performance even though the Index experienced gains through some, or most, of the Interest Term.

The Floor, Buffer, and Boost for an Allocation Option will not change during the life of your Contract unless

the Allocation Option is discontinued. During the life of your Contract, an Allocation Option with a Floor of

0% will always be available. We may not always make available Allocation Options with Buffers, however,

if one is available, a Buffer of -10% or more will be available. We may not always make available

Allocation Options with Boosts, but if we do, a Boost of 10% or more will be available.

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Fixed Account

The following is a list of Fixed Account Options currently available under the Contract. We may change

the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate

existing Fixed Account Options. We will provide you with written notice before doing so.

Name	Term	Minimum Guaranteed Interest Rate
Fixed Account	1 year	0.05%(1)

(1)  Full withdrawals or full surrenders from the Fixed Account are subject to a minimum nonforfeiture

value.

This Initial Summary Prospectus incorporates by reference the Prospectus and Statement of Additional

Information for the Contract, both dated May 1, 2025, as supplemented. The SAI may be obtained, free of

charge, in the same manner as the Prospectus.

EDGAR Contract Identifier:  C000257765