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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
 Fixed Index
Purpose Accumulation
Premium Bonus
 15%
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
Launch date
 11/28/2022
Minimum contribution
 $25,000
Maximum contribution
 $1,000,000
Max Age Qualified
 80
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

Find out if the Synergy Choice Bonus is the right product for you.

Premium Notes

Plan Types
May be issued as Non-Qualified, Traditional IRA, or Roth IRA 
Accepts rollovers from qualified plans, 457 plans, IRAs, Simplified Employee Pension (SEP) plans, 403(b) plans, and SIMPLE IRAs 

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Up to 10% of the Accumulated Value may be withdrawn without any Withdrawal Charge or Market Value Adjustment (MVA) after the first contract anniversary. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.75% 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
10.75% Cap
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
101% Participation
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
49% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
70% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
160% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
210% Participation
1-Year Fixed Account
Fixed
3% Fixed
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
108% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
75% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
225% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
170% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
52% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
43% Participation
2-Year S&P 500 PTP Cap
Point to Point
Biennial
12.25% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
6% Cap
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
4.25% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
7% Cap
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
8.5% Cap
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
90% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
30% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
37% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
40% Participation
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
95% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
33% Participation
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
10% Cap
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
5% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
8.5% 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%

Riders

No Riders for Synergy Choice Bonus 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.

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