Synergy Choice Bonus
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Highlights
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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
|
Fixed Index
|
---|---|
Premium Bonus
|
10% |
Term
|
10 Years |
Surrender schedule
|
9%9%8%7%6%5%4%3%2%1% |
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
Market value adjustment
|
|
Return of premium
|
|
Minimum contribution
|
$25,000 |
Types of funds
|
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, Inherited IRA, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
Name | Type | Rates |
---|---|---|
1-Year Fixed Account |
Fixed
|
3.1%
Fixed
|
1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7%
Cap
|
2-Year S&P 500 PTP Cap |
Point to Point
Biennial
|
12.75%
Cap
|
2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
93%
Participation
|
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
|
53%
Participation
|
1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
65%
Participation
|
1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
205%
Participation
|
1-Year Fixed Account |
Fixed
|
3.35%
Fixed
|
2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
100%
Participation
|
1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
70%
Participation
|
2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
56%
Participation
|
1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
2-Year S&P 500 PTP Cap |
Point to Point
Biennial
|
14.25%
Cap
|
1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7.75%
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% |