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fixed annuities

Multi-Year Guarantee Annuity Details

MaxProtect with ROP 3

Product Name

MaxProtect with ROP 3

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

(3rd of 15 ratings)
(5th of 20 ratings)
(6th of 21 ratings)
Not Rated
(percentile of rated companies)

Product Information

The MaxProtect with ROP 3 is a deferred multi-year guarantee annuity issued by TruStage - CMFG Life Insurance Co.

This annuity is a premium banded product. The interest rate you earn will vary depending on the amount of premium you deposit (see Rate Details below). Currently, the highest 3 year guarantee period annual yield is 5.05% on premium amounts of $100,000 - $999,999.  This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The MaxProtect with ROP 3 has a full penalty free withdrawal window after 3 years.

During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis. Beginning with the first contract year, and each year thereafter, this annuity provides up to 10% (noncumulative) of the contract value may be withdrawn from the annuity each contract year without penalty.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

TruStage - CMFG Life Insurance Co is rated “A” by A.M. Best, was founded in 1935, and has over $17 billion in total assets.

Rate Details

Premium Amount: $100,000 - $999,999 High-Band

3 Year Guarantee Period Annual Yield: 5.05%
Interest rate start of year 1 through end of year 3: 5.05%

Premium Amount: $10,000 - $99,999 Low-Band

3 Year Guarantee Period Annual Yield: 4.75%
Interest rate start of year 1 through end of year 3: 4.75%

Initial Surrender Charge and MVA Periods

3 years


3 years

State variations may exist, refer to product disclosure for details.

Other Guarantee Periods Available

Policy Details

Penalty Free Withdrawal Provisions

Annuitization, Death, Hospitalization, Nursing Home and Terminal Illness

See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  NY (as of 10/01/2022)


Includes Return of Principal Guarantee (ROP) Benefit: Guarantees that the surrender value of the contract will never be less than the initial purchase payment adjusted for any previous withdrawals.