Synergy Choice Bonus (CA Only)
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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:
CA
|
Type
|
Fixed Index
|
|---|---|
|
Premium Bonus
|
10% |
|
Term
|
9 Years |
|
Surrender schedule
|
8.4%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%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
6.75%
Cap
|
| 2-Year S&P 500 PTP Cap |
Point to Point
Biennial
|
12.25%
Cap
|
| 2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
89%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
51%
Participation
|
| 1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
63%
Participation
|
| 1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
145%
Participation
|
| 2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
195%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.25%
Fixed
|
| 2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
96%
Participation
|
| 1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
68%
Participation
|
| 2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
210%
Participation
|
| 1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
155%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
54%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
48%
Participation
|
| 2-Year S&P 500 PTP Cap |
Point to Point
Biennial
|
13.75%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
|---|---|---|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |