Synergy Choice Max 10
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Learn how an annuity can provide guaranteed income for life.
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.
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
|
|---|---|
|
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
|
|
|
Minimum contribution
|
$25,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.75%
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
|
67%
Participation
|
| 1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
205%
Participation
|
| 2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
280%
Participation
|
| 1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
95%
Participation
|
| 2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
138%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10.5%
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
|
70%
Participation
|
| 1-Year GS Grand Prix PTP Participation Rate |
Point to Point
Annual
|
215%
Participation
|
| 2-Year GS Grand Prix PTP Participation Rate |
Point to Point
Biennial
|
295%
Participation
|
| 1-Year Citi Aria PTP Participation Rate |
Point to Point
Annual
|
100%
Participation
|
| 2-Year Citi Aria PTP Participation Rate |
Point to Point
Biennial
|
145%
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% |