Aspida Life Insurance Company
4.9
based on complex data
Annuity Educator Rating
Annuity review

Synergy Choice Bonus 10 (CA Only)

If you're in California and planning for a worry-free retirement, look no more! The Synergy Choice Bonus Annuity creates peace of mind, delivering secure and steady income.

The product boasts of great features like bonus-interest-carryover, which means your earnings grow over time. It promises to keep your sunrise years bright and delightful!

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About Product

Type
Fixed Index
Purpose
Accumulation
Premium Bonus
10%
Term
9 Years
Surrender schedule
8.4%
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: CA

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
6.25% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
10.25% Cap
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
78% 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
33% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
54% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
190% Participation
1-Year Fixed Account
Fixed
2.65% Fixed
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
85% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
59% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
205% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
145% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
37% 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
11.5% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
7% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
7.5% Cap
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
81% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
34% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
27.5% Participation
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
9.5% Cap
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
4% Cap
2-Year Nasdaq-100 PTP Cap
Point to Point
Biennial
10.5% Cap
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
1-Year Nasdaq-100 PTP Cap
Point to Point
Annual
4.75% Cap
1-Year Invesco QQQ Growth PTP Cap
Point to Point
Annual
9% Cap
2-Year Invesco QQQ Growth PTP Participation Rate
Point to Point
Biennial
87% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 8% 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 (CA Only) 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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