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Synergy Choice Bonus (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!

Compare this annuity with 800+ others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

No agent will call you

About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

10%

Term

9 Years

Surrender schedule

8.4%

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: 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

See if this annuity ranks in your top 3 for Ohio

Investment Amount

Riders

No Riders for Synergy Choice Bonus (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.

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.
Note: Inherited IRA would be rolled over into a New Traditional IRA. If you already have an IRA, you can roll over the inherited assets to another traditional IRA in your name or convert the assets to a Roth IRA. The simplest way to do that is through a direct, trustee-to-trustee transfer from one account to the other or between one IRA custodian and another.

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