Aspida
Synergy Choice Income
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
10 years
Top yield
1.17%
A.M. Best
A-
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1-Year Fixed Interest Rate | Fixed | 2.75% | — | — | 1.17% |
| 1-Year Fixed Interest Rate | Fixed | 2.50% | — | — | 1.15% |
| 1-Year Citi Aria Index Point to Point Participation Rate | Point to Point | — | — | 43.00% | 0.90% |
| 1-Year Citi Aria Index Point to Point Participation Rate | Point to Point | — | — | 49.00% | 0.90% |
| 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate | Point to Point | — | — | 127.00% | 0.90% |
| 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate | Point to Point | — | — | 140.00% | 0.90% |
| 1-Year Goldman Sachs Lexicon Long Short Point to Point Cap Rate | Point to Point | — | 6.50% | — | 0.90% |
| 1-Year Goldman Sachs Lexicon Long Short Point to Point Cap Rate | Point to Point | — | 7.50% | — | 0.90% |
| 1-Year Invesco QQQ Growth Point to Point Cap Rate | Point to Point | — | 4.00% | — | 0.90% |
| 1-Year Invesco QQQ Growth Point to Point Cap Rate | Point to Point | — | 5.00% | — | 0.90% |
| 1-Year Nasdaq 100 Point to Point Cap Rate | Point to Point | — | 3.50% | — | 0.90% |
| 1-Year Nasdaq 100 Point to Point Cap Rate | Point to Point | — | 4.25% | — | 0.90% |
| 1-Year Nasdaq 100 Point to Point Participation Rate | Point to Point | — | — | 27.00% | 0.90% |
| 1-Year Nasdaq 100 Point to Point Participation Rate | Point to Point | — | — | 30.00% | 0.90% |
| 1-Year S&P 500 Point to Point Cap Rate | Point to Point | — | 4.25% | — | 0.90% |
| 1-Year S&P 500 Point to Point Cap Rate | Point to Point | — | 5.00% | — | 0.90% |
| 1-Year S&P 500 Point to Point Participation Rate | Point to Point | — | — | 27.00% | 0.90% |
| 1-Year S&P 500 Point to Point Participation Rate | Point to Point | — | — | 30.00% | 0.90% |
| 2-Year Citi Aria Index Point to Point Participation Rate | Point to Point | — | — | 72.00% | 0.90% |
| 2-Year Citi Aria Index Point to Point Participation Rate | Point to Point | — | — | 80.00% | 0.90% |
| 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate | Point to Point | — | — | 185.00% | 0.90% |
| 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate | Point to Point | — | — | 200.00% | 0.90% |
| 2-Year Goldman Sachs Lexicon Long Short Point to Point Participation Rate | Point to Point | — | — | 65.00% | 0.90% |
| 2-Year Goldman Sachs Lexicon Long Short Point to Point Participation Rate | Point to Point | — | — | 70.00% | 0.90% |
| 2-Year Invesco QQQ Growth Point to Point Participation Rate | Point to Point | — | — | 70.00% | 0.90% |
| 2-Year Invesco QQQ Growth Point to Point Participation Rate | Point to Point | — | — | 75.00% | 0.90% |
| 2-Year Nasdaq 100 Point to Point Cap Rate | Point to Point | — | 7.50% | — | 0.90% |
| 2-Year Nasdaq 100 Point to Point Cap Rate | Point to Point | — | 9.00% | — | 0.90% |
| 2-Year Nasdaq 100 Point to Point Participation Rate | Point to Point | — | — | 32.00% | 0.90% |
| 2-Year Nasdaq 100 Point to Point Participation Rate | Point to Point | — | — | 35.00% | 0.90% |
| 2-Year S&P 500 Point to Point Cap Rate | Point to Point | — | 9.00% | — | 0.90% |
| 2-Year S&P 500 Point to Point Cap Rate | Point to Point | — | 10.00% | — | 0.90% |
| 2-Year S&P 500 Point to Point Participation Rate | Point to Point | — | — | 32.00% | 0.90% |
| 2-Year S&P 500 Point to Point Participation Rate | Point to Point | — | — | 36.00% | 0.90% |
| 1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 10% Point-to-Point Cap | Point to Point | — | 5.00% | — | — |
| 1-Year BlackRock U.S. Equity Bitcoin Balanced Risk 10% Point-to-Point Cap | Point to Point | — | 6.00% | — | — |
| 1-Year S&P 500 Point-to-Point Performance Trigger | Performance Triggered | — | 3.50% | — | — |
| 1-Year S&P 500 Point-to-Point Performance Trigger | Performance Triggered | — | 4.25% | — | — |
| 2-Year BlackRock U.S. Equity Bitcoin Balanced Risk 10% Point-to-Point Participation | Point to Point | — | — | 60.00% | — |
| 2-Year BlackRock U.S. Equity Bitcoin Balanced Risk 10% Point-to-Point Participation | Point to Point | — | — | 65.00% | — |
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 80
- Free withdrawal
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 49 states
Income Riders
Synergy Choice Income Guaranteed Lifetime Income Benefit Rider(built in)
Roll-up: 13.00%
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.