Aspida Life Insurance Company
4.5
based on complex data
Annuity Educator Rating
Annuity review

Synergy Choice Bonus 10

The Synergy Choice Bonus Annuity stands out as a reliable retirement product. It's user-friendly, boasting of flexible options that secure your future and give peace of mind. It's a great choice for a well-planned retirement.

What's more, it has a fantastic bonus feature to boost your income, adding a nice little cushion to your savings. It's never too late or too early to plan your retirement. Choose Synergy Choice Bonus Annuity!

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About Product

Type
Fixed Index
Purpose
Accumulation
Premium Bonus
15%
Term
10 Years
Surrender schedule
9%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and TSP
Launch Date
11/28/2022
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.
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, 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
2.25% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
5.25% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
8.75% Cap
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
76% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
27% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
31% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
51% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
185% Participation
1-Year Fixed Account
Fixed
2.5% Fixed
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
83% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
56% 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
140% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
35% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
30% Participation
2-Year S&P 500 PTP Cap
Point to Point
Biennial
10% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
6% Cap
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
3.25% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
7% Cap
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
8% Cap
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
79% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
25.5% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
32% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
35% Participation
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
85% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
28% Participation
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
9% Cap
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
3.75% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
8% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for Synergy Choice Bonus 10 annuity.

Waivers

Nursing Home

You can withdraw up to 100% of your annuity’s Contract Value if you are confined to an eligible Nursing Home. This benefit is available if you are confined for at least 90 consecutive days any time after your first Contract Anniversary and meet eligibility requirements. No Withdrawal Charge or MVA will be applied if you qualify for this benefit. To receive the Nursing Home Waiver, you cannot be confined on the Contract Effective Date.

Terminal Illness

You can withdraw up to 100% of your annuity’s Contract Value if you are diagnosed with a terminal illness that is expected to result in death within one year and meet eligibility requirements. No Withdrawal Charge or MVA will be applied if you qualify for this benefit. This waiver is available after your first Contract Anniversary and the initial diagnosis of terminal illness must be made after the Contract Effective Date.

Withdrawal Provisions

Penalty-Free Withdrawals Up to 10% of the Accumulated Value may be withdrawn without any Withdrawal Charge or Market Value Adjustment (MVA) after the first contract anniversary. 

Company Founded: 2021
Excellent Rated Company
Aspida Life Insurance Company
Company Ratings
4.3
  • A.M. Best A-
  • Comdex 56
Assets: $3,079,080,253
California

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