Synergy Choice Max 5 Rate & Reviews

Synergy Choice Max 5

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

Ownership Requirements
Owner must be the annuitant, except when a trust is the owner.

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	4.65% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	11% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	20% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	43% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	55% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	14% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	27% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	53% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	70% 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 GS Grand Prix PTP Participation Rate	Point to Point Annual	235% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	325% 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 Citi Aria PTP Participation Rate	Point to Point Annual	115% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Fixed Account	Fixed	4.9% Fixed
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	22% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	46% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	60% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	14.75% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	28% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	56% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	75% 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
1-Year GS Grand Prix PTP Participation Rate	Point to Point Annual	245% Participation
2-Year GS Grand Prix PTP Participation Rate	Point to Point Biennial	340% Participation
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	95% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	165% Participation
1-Year Citi Aria PTP Participation Rate	Point to Point Annual	120% Participation
2-Year Citi Aria PTP Participation Rate	Point to Point Biennial	210% Participation

Surrender schedule

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