Synergy Choice Bonus Rate & Reviews

Synergy Choice Bonus

When it comes to planning for retirement, there are many strategies to help you reach your goals. Synergy Choice Bonus from Aspida Life Insurance Company can be a valuable part of your retirement portfolio for a number of reasons.

Rate Buy-Up Feature
By selecting a crediting strategy that advertises a Buy-Up, annuitants are able to increase equity participation in that specific strategy. A 1% fee will be applied to the total amount of money allocated into buy-up strategies and is assessed annually at the beginning of each contract year.

Available in states: AL, AK, AZ, AR, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	3.75% Fixed
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	115% Participation
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	90% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	155% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8.75% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	14.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	37% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	47% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	11.75% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	21.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	47% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	60% Participation
1-Year GS Grand Prix PTP Participation Rate	Point to Point Annual	135% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	185% Participation
1-Year GS Grand Prix PTP Participation Rate	Point to Point Annual	185% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	255% Participation
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	65% Participation
1-Year Fixed Account	Fixed	4% Fixed
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	70% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	100% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	166% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.5% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	15.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	52% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	12.5% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	22.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	50% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	65% Participation
1-Year GS Grand Prix PTP Participation Rate	Point to Point Annual	145% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year GS Grand Prix PTP Participation Rate	Point to Point Annual	195% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	270% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%