A.M. Best A- rated · 9 products

Aspida Annuities — A- Rated

Aspida is an A.M. Best A--rated annuity carrier. The current lineup includes 9 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.

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Current rating

A-

A.M. Best

Annuity products

9 products across FIA and MYGA families

Reviewed

June 9, 2026

Product lineup reviewed against current rates.

Lineup Snapshot

Available annuity families and product-type context.

Product pages: 5 FIA product pages, 4 MYGA product pages
FIA families: Synergy Choice, WealthLock
MYGA families: Aspida Advisory, Synergy Choice, WealthLock

Financial Strength

A.M. Best A-

Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.

Product Highlights

Current Annuity Highlights

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Carrier Profile

About Aspida

Overview: Aspida is an Ares-backed annuity carrier founded in 2020, and its current product set is built around two families: Synergy Choice and WealthLock. For annuity shoppers, that means a real split between fixed indexed annuities for accumulation or income planning and MYGAs for declared-rate guarantees. The current lineup includes 9 products: 5 FIAs and 4 MYGAs.

Product lineup: The FIA side is broader than the company age might suggest. Synergy Choice Max, Synergy Choice Bonus, and WealthLock Accumulator are accumulation-oriented indexed annuities, while Synergy Choice Income and WealthLock Income Builder are the income-rider entries. The MYGA side is cleaner: Aspida Advisory MYGA, Synergy Choice MYGA, WealthLock MYGA, and WealthLock MYGA Plus are fixed-rate products for buyers who want a known guarantee period instead of index-linked crediting.

Notable live products: Current rate data shows Aspida Advisory MYGA at 6.05%, Synergy Choice MYGA at 5.70%, WealthLock MYGA at 5.50%, and WealthLock MYGA Plus at 5.45%. The income-rider comparison rows show WealthLock Income Builder at a 6.75% withdrawal-rate signal and Synergy Choice Income at 5.75%, which should be evaluated with rider fees, roll-up rules, and surrender terms rather than compared like a MYGA rate.

Who it may fit: Aspida may fit buyers who want a newer, private-capital-backed annuity company with both high fixed-rate MYGAs and a broad enough FIA lineup to compare accumulation, bonus, and income-rider designs inside one carrier. It is less ideal for buyers who require an A+ or A++ carrier with a longer public record, or for anyone who wants a single simple product choice without reading bonus vesting, rider fees, and state availability.

Financial Strength In Plain English

The live rating data shows A.M. Best A- for Aspida. Public Aspida materials also show A- financial-strength ratings from AM Best and KBRA. In plain English, A- is still an Excellent/strong insurance-strength tier, but it sits below the A, A+, and A++ carriers on this site. The Ares relationship gives Aspida scale and asset-management backing, but product selection should still turn on the actual contract, rider cost, surrender schedule, and state filing.

ARHQ Notes

From Our Coverage

First-party review context and product-page notes, kept separate from current rate tables.

Product Highlights

Short notes from product pages.

FIAAccumulationA001MU

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.

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MYGASafetyA001JG

Advisory MYGA

An advisory (fee-based / RIA-friendly) share class of Aspida's multi-year guaranteed annuity from an A- rated carrier, offered in multiple guarantee-period lengths with a surrender ladder, MVA, and a small annual free-withdrawal allowance — broadly filed across 49 jurisdictions, with a $100,000 minimum premium.

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FIAAccumulationA001MX

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.

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Features

Index options, riders, and term choices pulled into one quick scan.