TruStage ZoneChoice Income_2025


Britney Schnathorst Associate General Counsel Office of General Counsel Phone: 608.665.4184 E-mail: Britney.Schnathorst@trustage.com	MEMBERS Life Insurance Company

September 29, 2025

Board of Directors

MEMBERS Life Insurance Company

2000 Heritage Way

Waverly, IA 50677


	Re:	MEMBERS Life Insurance Company TruStage™ ZoneChoice Income Annuity Pre-Effective Amendment 1 to Registration Statement on Form N-4, File No. 333-288103

Dear Board of Directors:

With reference to the above-mentioned pre-effective amendment to the registration statement on Form

N-4 (the “Amendment”) to be filed by MEMBERS Life Insurance Company (the “Company”) with the

Securities and Exchange Commission for the purpose of registering under the Securities Act of 1933, as

amended, certain single purchase payment deferred index-linked annuity contracts (the “Contracts”), I

have examined such documents and such law as I considered necessary and appropriate, and on the

basis of such examination, it is my opinion that:

1.The Company is a corporation duly organized and validly existing as a stock life insurance

company under the laws of the State of Iowa and is duly authorized by the Insurance Division of

the Department of Commerce of the State of Iowa to issue the Contracts.

2.The Contracts, when issued as contemplated by the Form N-4 registration statement, will

constitute legal, validly issued and binding obligations of the Company.

I hereby consent to the filing of this opinion as an exhibit to the Form N-4 registration statement for the

Contracts. If you have any questions or comments regarding the Amendment, please call the undersigned

at (608) 665-4184.

Sincerely,

/s/Britney Schnathorst

Britney Schnathorst

Associate General Counsel