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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Synergy Choice Max 10

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Highlights

When it comes to planning for retirement, there are many strategies to help you reach your goals. Synergy Choice Max from Aspida Life Insurance Company can be a valuable part of your retirement portfolio for a number of reasons.

Ownership Requirements
Owner must be the annuitant, except when a trust is the owner.
Available in states: AL, AK, AZ, AR, CA, 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, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
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
11/07/2022
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
90
Types of funds
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and TSP
Brochure
Open brochure

Find out if the Synergy Choice Max 10 is the right product for you.

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Up to 10% of the Contract Value may be withdrawn without any Withdrawal Charge or Market Value Adjustment (MVA) after the first contract anniversary.

Required Minimum Distributions (RMD)
RMDs from your tax-qualified IRA available after 30 days. All other withdrawals are available at the beginning of year two. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
19.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
62% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
72% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
225% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
300% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
158% Participation
1-Year Fixed Account
Fixed
5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
11.5% Cap
2-Year S&P 500 PTP Cap
Point to Point
Biennial
21% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
65% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
75% Participation
1-Year GS Grand Prix PTP Participation Rate
Point to Point
Annual
235% Participation
2-Year GS Grand Prix PTP Participation Rate
Point to Point
Biennial
315% Participation
1-Year Citi Aria PTP Participation Rate
Point to Point
Annual
110% Participation
2-Year Citi Aria PTP Participation Rate
Point to Point
Biennial
165% Participation

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 Max 10 annuity.

Waivers

Bail-Out

You have the option of withdrawing your Contract Value if the S&P500 annual point-to-point cap renewal rate falls below the stated bailout cap rate at contract issue.

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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