Aspida
A Durham-based annuity carrier focused on principal-protected retirement solutions, with fixed annuities, fixed index annuities, and an Ares-supported insurance platform behind the carrier story.
Financial strength
A-
AM Best
A-
KBRA
A- / A- rated
Aspida publishes A- financial-strength ratings from AM Best and KBRA.
Ares support
Aspida describes Ares Insurance Solutions as its dedicated investment-management and capital-solutions partner.
Durham, NC
Aspida lists its administrative office in Durham, North Carolina.
Founded 2020
Aspida says it was founded in 2020 by industry professionals.
Principal protection
Aspida separates fixed annuity and fixed index annuity product lines in its public product pages.
Run live numbers on Aspida products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Synergy Choice Income
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
Free Comparison Report
Get Aspida's current rate report
Compare Aspida's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Explore Aspida products
Aspida’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Synergy Choice Bonus
A premium-bonus accumulation fixed indexed annuity from A- rated Aspida Life, filed in 49 states (every US state except New York and North Carolina) as a family of bonus chassis under one productId, built around an S&P 500 annual point-to-point cap plus cap and participation alternatives on the Nasdaq-100, Invesco QQQ Growth, and three proprietary indexes, with no lifetime-income rider in the design.
S&P 500 annual cap
5.75%
Synergy Choice Max
An accumulation-focused fixed indexed annuity from A- rated Aspida Life, offered in two chassis (a shorter five-year and a longer ten-year), built around an S&P 500 annual point-to-point cap plus participation-rate alternatives on the S&P 500, Nasdaq-100, and three proprietary indexes, with no lifetime-income rider in the design.
S&P 500 annual cap
10%
WealthLock Accumulator
A 10-year-surrender accumulation FIA from an A- rated carrier filed in 49 jurisdictions (all states and DC except New York and North Carolina), built around an S&P 500 cap option plus participation-rate strategies on proprietary volatility-controlled indexes and three sector-ETF caps, with no lifetime-income rider in the design.
S&P 500 annual cap
10%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-11. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get Aspida's current rate report
Compare Aspida's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Aspida product names can repeat across FIA and MYGA product lines, so start with the planning job. The live product page carries the current rate, rider, surrender, state, and term details.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
4.3%
10-yr illustration
Income-base roll-up
13%
simple, up to 10 yrs
Annual fee
0.5%
benefit charge
Premium
$100,000
Income base · yr 10
$230,000
Annual lifetime income
$9,890
Simplified illustration using this income option’s current simple income-base roll-up over 10 years, then its 4.3% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Aspida is
Aspida Holdings Ltd., through its subsidiaries, describes itself as focused on retirement and reinsurance solutions with operations in the U.S. and Bermuda.
Checked 2026-07-11 · Aspida Financial Profile
Aspida Life Insurance Company is the U.S. platform and is based in Durham, North Carolina, with an annuity business built around technology, agility, and principal-protected retirement products.
Checked 2026-07-11 · Aspida Financial Profile
Aspida comparisons work best when carrier story and product terms stay separate: rates, riders, caps, guaranteed terms, surrender rows, and state availability can vary by product and are pulled from CANNEX-backed product feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Total assets
$30B
Aspida-published total assets for Aspida Holdings Ltd. and subsidiaries, using GAAP book value.
As of 2025-12-31 · Aspida Financial Profile
Total invested AUM
$27.1B
Aspida-published total invested AUM.
As of 2025-12-31 · Aspida Financial Profile
Ares AUM
$623B
Ares-published assets under management figure cited on the Aspida financial profile.
As of 2025-12-31 · Aspida Financial Profile
Administrative office
Durham, NC
Aspida lists 2327 Englert Drive, Durham, North Carolina as its administrative office.
Checked 2026-07-11 · Aspida Financial Profile footer
History highlights
Aspida says it was founded in 2020 by industry professionals.
Founded 2020 · Aspida Financial Profile
Aspida Life Insurance Company is described as the U.S. annuity platform, while Aspida Life Re Ltd. focuses on life and annuity reinsurance solutions.
Checked 2026-07-11 · Aspida Financial Profile
Aspida fixed index annuities and MYGAs are kept in separate analyzer categories so similar Synergy Choice and WealthLock names do not blur product type.
At render · ARHQ CANNEX-backed product catalog
Ares-supported annuity platform
Aspida presents Ares Management Corporation as a trusted backing partner and Ares Insurance Solutions as the team providing investment management, capital solutions, and corporate development services to Aspida.
Checked 2026-07-11 · Aspida Financial Profile
The Aspida financial profile says the Aspida portfolio is managed by Ares Insurance Solutions and subadvised to Ares Management and third-party asset managers.
Checked 2026-07-11 · Aspida Financial Profile
That ownership and investment-management context matters for carrier evaluation, but product comparisons still have to stay product-specific because FIA and MYGA product lines use different mechanics.
At render · Aspida Financial Profile; ARHQ CANNEX-backed product catalog
Financial strength
AM Best
CurrentA-
Excellent financial-strength rating; Aspida says A- is the fourth-highest AM Best rating category.
Assigned 2025-08-29
KBRA
A-
Insurance financial-strength rating; Aspida says A- is the seventh-highest KBRA rating category.
Assigned 2025-07-18
What makes Aspida different
Ares insurance platform
Aspida connects its carrier story to Ares Insurance Solutions, including investment management, capital solutions, corporate development services, and portfolio oversight.
Checked 2026-07-11 · Aspida Financial Profile
Digital-platform positioning
Aspida describes its U.S. platform as using technology and agility to help clients protect retirement goals, which explains the carrier positioning without substituting for live product details.
Checked 2026-07-11 · Aspida Financial Profile
FIA and MYGA lines stay separate
Aspida publishes fixed annuity and fixed index annuity product lines separately; ARHQ mirrors that distinction so fixed-rate MYGAs are not described as indexed annuities.
At render · Aspida fixed annuity and fixed index annuity pages; ARHQ product catalog
Similar names, different mechanics
Synergy Choice and WealthLock appear across different Aspida product types, so the analyzer groups by product purpose and sends readers to the individual product page for the current mechanics.
At render · ARHQ CANNEX-backed product catalog
About Aspida
Aspida Life Insurance Company is the U.S. annuity platform within Aspida Holdings Ltd. The carrier presents itself as a modern annuity company focused on retirement solutions and principal-protected product design.
Checked 2026-07-11 · Aspida Financial Profile
Aspida publishes separate fixed annuity and fixed index annuity product lines. On ARHQ, that distinction is visible in the carrier analyzer because fixed-rate MYGAs, accumulation FIAs, and income-oriented FIAs belong in different comparison contexts.
At render · Aspida fixed annuity and fixed index annuity pages; ARHQ product catalog
Avoid relying on static rate claims for Aspida products. Each product comparison should use the current rate, rider, surrender, crediting, and state data returned by the live CANNEX-backed product feed.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Aspida's current rate report
Compare Aspida's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Aspida homepage — Checked 2026-07-11
- Aspida Financial Profile — Checked 2026-07-11
- Aspida fixed annuities page — Checked 2026-07-11
- Aspida fixed index annuities page — Checked 2026-07-11
- ARHQ CANNEX-backed product catalog — At render