Form 485BXT MEMBERS Life Insurance

March 19, 2026 7:53 AM EDT
As filed with the Securities and Exchange Commission on March 19, 2026
Registration No. 333-288103
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Pre-Effective Amendment No.  [  ]
Post-Effective Amendment No. 3 [X]
(Check appropriate box or boxes.)
-----------------------------------
MEMBERS Life Insurance Company
(Name of Insurance Company)
2000 Heritage Way
Waverly, Iowa 50677
(Address of Insurance Company’s Principal Executive Offices) (Zip Code)
(319) 352-4090
(Insurance Company’s Telephone Number, including Area Code)
Britney Schnathorst, Esq.
MEMBERS Life Insurance Company
2000 Heritage Way
Waverly, Iowa 50677
(319) 352-4090
(Name and Address of Agent for Service)
--------------------------------------------
COPY TO:
Stephen E. Roth, Esq.
Thomas E. Bisset, Esq.
Eversheds Sutherland (US) LLP
700 Sixth Street, NW, Suite 700
Washington, DC  20001
(202) 383-0100
Approximate Date of Proposed Public Offering:  As soon as possible after the effective date of this Registration Statement.
It is proposed that this filing will become effective (check appropriate box):
  ☐  Immediately upon filing pursuant to paragraph (b)
  ☒  On April 14, 2026 pursuant to paragraph (b)
  ☐  60 days after filing pursuant to paragraph (a)(1)
  ☐  On (date) pursuant to paragraph (a)(1) of Rule 485 under the Securities Act of 1933 (“Securities Act”).
If appropriate, check the following box:
  ☐  This post-effective amendment designates a new effective date for a previously filed post-effective amendment.
Check each box that appropriately characterizes the Registrant:
  ☐  New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement
or amendment thereto within 3 years preceding this filing)
  ☐  Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 (“Exchange Act”))
  ☐  If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act
  ☒  Insurance Company relying on Rule 12h-7 under the Exchange Act
  ☐  Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)
Title of Securities Being Registered: TruStage® ZoneChoice Income Annuity
Explanatory Note
This Post-Effective Amendment No. 3 to the Registration Statement on Form N-4 is being filed pursuant to
paragraph (b)(1)(iii) of Rule 485 of the Securities Act of 1933, as amended (the “1933 Act”), solely for the purpose of
delaying, until April 14, 2026, the effective date of Post-Effective Amendment No. 1, filed on December 19, 2025
(SEC Accession Number 0001562577-25-000268) pursuant to paragraph (a) of Rule 485 of the 1933 Act.
Post-Effective Amendment No. 2 was filed pursuant to paragraph 485(b)(1)(iii) of Rule 485 under the 1933 Act on
February 17, 2026 ((SEC Accession Number 0001562577-26-000012).
This Post-Effective Amendment No. 3 incorporates by reference the information contained in the Prospectus,
Statement of Additional Information and Part C of Post-Effective Amendment No. 1.
SIGNATURES
As required by the Securities Act of 1933, the Registrant of this Registration Statement has caused this Registration
Statement to be signed on its behalf by the undersigned, duly authorized, in the City of Madison and State of
Wisconsin as of 19th day of March, 2026.
MEMBERS LIFE INSURANCE COMPANY (Registrant)
By: /s/Tammy L. Schultz
Tammy L. Schultz, President
As required by the Securities Act of 1933, this Registration Statement has been signed by the following persons in
the capacities and as of the dates indicated:
Signature
Title
Date
*
President and Director (Principal
Executive Officer)
March 19, 2026
Tammy L. Schultz
*
Treasurer (Principal Financial &
Accounting Officer)
March 19, 2026
Brian J. Borakove
*
Director
March 19, 2026
Jennifer M. Kraus-Florin
*
Director
March 19, 2026
Abigail R. Rodriguez
*
Director
March 19, 2026
William A. Karls
*
Director and Secretary
March 19, 2026
Paul D. Barbato
*By: /s/Britney Schnathorst
Britney Schnathorst
**Pursuant to the Power of Attorney dated June 17, 2025, are filed as exhibits to the initial filing filed on
June 17, 2025, filed on Form N-4 (File No. 333-288103).

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