Guaranteed Account - CUNA Mutual Group

1
The comparison of stable value accounts, money market funds, and 3-year U.S. Treasuries only shows the differences in annualized rates of return.
The stable value account may be subject to a market value adjustment and may be less liquid than a money market mutual fund or U.S Treasury
Securities. Money market funds invest in short-term notes and interest rates fluctuate daily. The Ultra Series Money Market fund’s performance may
not be indicative of the performance of all money market funds. U.S. Treasury Securities are subject to daily changes in market value. In addition,
U.S. Treasuries are backed by the full faith and credit of the U.S. Government. The comparison is not suggesting that stable value options
are better than money market funds or U.S. Treasuries. Individual investor needs determine suitability. Contracts or prospectuses should be
reviewed for specific features and limitations. The stable value accounts offered by CMFG Life Insurance Company are a fixed group annuity
contract. The terms and conditions of those annuity contracts have been amended and are re-filed from time to time, however, the interest
crediting methods have the same stable value objective.
2
All guarantees are subject to the ability of CMFG Life Insurance Company to honor such guarantees.
3
Based on CMFG Life Insurance Company’s 2010 annual report. “A” excellent rating is the third-highest of 16 categories assigned by A.M. Best.
4
If your employer cancels the contract, your investment in the Guaranteed Account will be subject to a market value adjustment. This
adjustment is determined by comparing today’s yield to the average yield over the last 60 months of the Merrill Lynch BBB 7- to 10-year U.S.
Corporate Index. The adjustment is applied to participant accounts and may be negative.
5
You should carefully consider the risks of the contract before allocating any amounts to the contract. Exchanges between Guaranteed Account
and any available fund can be made any business day. The Stable Value interest is credited daily. There are no penalties assessed by the
Guaranteed Account for benefit payments or other withdrawals taken by participants. Investment and insurance products are not federally
insured, involve investment risk, may lose value, and are not obligations of or guaranteed by any financial institution other than
CMFG Life Insurance Company.
The Guaranteed Account is a fixed, group annuity issued by CMFG Life Insurance Company. After any guaranteed interest period, interest is set
quarterly and applied on an annual basis. Any stated interest rate may not have been adjusted to reflect plan administration, transaction or
contract fees. Certain contract fees are currently waived.
Annuities are not insured by the FDIC/NCUSIF, are not obligations or deposits of any bank/credit union, nor guaranteed by any bank/credit union,
and involve risk, including the possible loss of principal invested if the issuing insurance company is unable to meet its obligation.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.
10001277-MHC-0411 © CUNA Mutual Group, 2011 All Rights Reserved.
CMFG Life Insurance Company
2000 Heritage Way
Waverly, Iowa 50677
www.cunamutual.com/guaranteedaccount