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Annuity review

Synergy Choice Bonus

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!

Compare this annuity with 800+ others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

15%

Term

10 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

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

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Investment Amount

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.

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