How to Select a Life-Stage Rewards Plan
Select a Life-Stage Rewards Plan and start earning today
For Married Members, uTANGO has developed three levels of LifeStage Rewards Plans with varying levels of annual targets to ensure there is one that fits just right: $250,000 Plan, $500,000 Plan, and the $1 Million Plan.
A LifeStage Reward is a pre-defined monetary reward paid to Members that reach specific Milestone Dates in Good Standing with sufficient Points earned through the uTANGO Program.
Ready to get started? Get 500 Pts the first time you select a Plan.
Have more questions? We have more information below to help you find the Plan that works for you.
Which uTANGO LifeStage Rewards Plan is right for you?
What if the LifeStage Rewards Plan I selected is too far above or below my spending capabilities?
These Rewards Plans and their earning targets should be achievable by directing a portion of your existing spending as you shop with uTANGO Merchants. We want you to find the LifeStage Rewards Plan that is right for you and your short and long-term aspirations. You are able to switch your Plan selection at any time in My Account up until you earn enough Points to pass the Plan Year 1 target for your selected Plan. At that point your plan would Activate and you would earn the Activation Bonus.
LifeStage Rewards Plan: Selection and Activation
LifeStage Rewards Plan - Selection
- Only Married Members can Select an LifeStage Rewards Plan.
- Married Members Select a LifeStage Rewards Plan at the point Members confirm they are Married and establish an Original Marriage Date (OMD).
- All Points (Pts) earned while Single or Engaged will be loaded into the Selected LifeStage Rewards Plan.
- LifeStage Rewards Plans are distinguished by the value of Rewards up to and through the LifeStage Rewards Plan Year 30 Reward Level.
- More details are available in the Program Rules.
LifeStage Rewards Plan - Points (Pts) Targets
- The Points (Pts) Target represents the minimum Points required to remain in Good Standing for a selected LifeStage Rewards Plan.
- Married Members that have Activated an LifeStage Rewards Plan are required to hit minimum Points (Pts) thresholds annually in order to qualify for Annual Rewards and LifeStage Rewards.
- Once a Married Members Selects a LifeStage Rewards Plan, that LifeStage Rewards Plan Year 1 Points Target is in effect regardless of how many years it takes Member to exceed the minimum LifeStage Rewards Plan Year 1 threshold and Activate their Plan.
- More details are available in the Program Rules.
LifeStage Rewards Plan - Activation
- Activating a LifeStage Rewards Plan means the Member has:
- Confirmed Member is Married,
- Selected a LifeStage Rewards Plan,
- Earned enough Points to satisfy the Plan Year 1 Points Target for their chosen Rewards Plan.
- More details are available in the Program Rules.
uTANGO Life-Stage Rewards Plan*
 |
$250,000 Rewards Plan |
$500,000 Rewards Plan |
$1 Million Rewards Plan |
| Estimated Annual Spend | $5,000 | $10,000 | $20,000 |
| Annual Point Target | 30,000 Pts | 60,000 Pts | 120,000 Pts |
| Annual Anniversary Reward | $50-$200 | $100-$400 | $200-$800 |
| 10-Year Life-Stage Reward | $2,500 | $5,000 | $10,000 |
| 10-Year Deferral Bonus | $50,000 | $100,000 | $200,000 |
| 20-Year Life-Stage Reward | $25,000 | $50,000 | $100,000 |
| 30-Year Life-Stage Reward | $250,000 | $500,000 | $1,000,000 |
How is the Estimated Annual Spend Calculated?
- Members are working towards Points targets, not Spending Targets. The Estimated Annual Spend is an approximation of what a Member would need to spend in a year to meet the target, given an average merchant Points earning rate.
- uTANGO estimates if a Member averages six Points (6 Pts/$1) spent on their purchases with uTANGO Merchants they would need to spend approximately:
- $5,000 to accrue (30,000 Pts) a year in the $250,000 LifeStage Rewards Plan,
- $10,000 to accrue (60,000 Pts) a year in the $500,000 LifeStage Rewards Plan and
- $20,000 to accrue (120,000 Pts) a year in the $1,000,000 LifeStage Rewards Plan.
- The more Points you earn per dollar spent, the lower the annual spend. Compare merchant Points Rates to ensure you are making the most from your spending.
- More details are available in the Program Rules.
Am I Expected to Achieve The Estimated Spending Levels Online?
- No, we will be adding off-line shopping opportunities over the next year along with the uTANGO Credit Card to help facilitate off-line shopping. All of which will increase the way Members can earn Points and TANGO for their Future!
- More details are available in the Program Rules.
What is the 10-Year Deferral Bonus?
- Members who complete Plan Year 10 in Good Standing with enough Points can Accept the Plan Year 10 Reward or Defer the reward for a greater amount to be added to the Plan Year 30 Reward.
- The Deferral Bonus is defined by which LifeStage Rewards Plan you have Selected. For Example; if you Selected the $250,000 LifeStage Reward Plan and decided to Defer your 10-Year Reward you would receive a $50,000 Deferral Bonus that would be added to your 30-Year Reward thus increasing your 30-Year Reward payout from $250,000 to $300,000. (See Table above for 10 Year Deferral Bonus amounts by Plan type)
Anything other choices at Plan Year 10?
- Married Members in Good Standing at Year 10 can Upgrade LifeStage Rewards Plans to a higher level LifeStage Rewards Plan as defined by the Program Rules in effect at the time the Married Member makes the Upgrade. Once a Married Member makes a change to a new LifeStage Rewards Plan they are automatically Locked into the new LifeStage Rewards Plan for the duration of the Program. In doing so the remaining Plan Target (Pts) balances required to stay in compliance and receive future LifeStage Rewards Plan Rewards will adjust accordingly.
- It is not possible to Downgrade to a smaller LifeStage Rewards Plan.
- More details are available in the Program Rules.
Household Spending Estimator Tool
To help illustrate how much a Member might have to spend with uTANGO Merchants in order to earn enough Points to maintain their cumulative Points goal we have created an interactive LifeStage Rewards Plan Estimator to chart annual spending as a portion of household expenditures for selected categories (based on data from the U.S. Department of Labor*).
| LifeStage Rewards Plan: |
| $ 1 Million |
| $ 500,000 |
| $ 250,000 |
| Household Income Level: |
| $ 200,000 |
| $ 175,000 |
| $ 150,000 |
| $ 125,000 |
| $ 100,000 |
| $ 80,000 |
| $ 60,000 |
| $ 40,000 |
 | | | |
| | | |
 | Average Household Expenditures*: | --- |
| Estimated Annual Spend Target**: | --- |
© Afiniti Ventures, Inc.
* Average annual expenditures by household income levels extrapolated from Consumer Expenditures in 2004, U.S. Department of Labor, April 2006
** 'Estimated Annual Spending Targets' based on an average mix of merchant purchases and will adjust annually based on the Consumer Price Index. Members are free to determine which merchants and categories they choose to shop through to achieve the annual Point targets.
A household earning $60,000 per year spends on average $37,852 on the categories detailed in the Plan Estimator. On the $250,000 Life-Stage Rewards Plan, this household would need to direct approximately 13.2% of their everyday spending towards the uTANGO Merchants. The Plan Estimator shows the annual spending target spread proportionally across selected categories, but how you reach the target is completely up to you. You are in control of where and how you spend with qualifying Merchants across any or all of the categories to reach your cumulative Points target.
