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Fixed Indexed Annuity

Synergy Choice Bonus

Aspida

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5.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 3, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Synergy Choice Bonus would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 3, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Synergy Choice Bonus)
5.5%
Best S&P 500 1-yr point-to-point cap
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index — 6% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Synergy Choice Bonus's published cap rate (6% on BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 3, 2026.

Free Comparison Report

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See how Synergy Choice Bonus compares for your age, state, premium, and income goals alongside other Aspida fixed indexed annuity options.

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Live rate data

Run live numbers for Synergy Choice Bonus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Aspida product.

Live product data

Rates as of July 3, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

5.5% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A- rated carrier, value a day-one premium bonus that lifts the starting account value, can deposit at least $100,000 to qualify for the high-band crediting rates, are willing to trade longer surrender exposure for a larger bonus, and want a single contract that can express either a recognizable S&P 500 cap or higher-participation exposure to proprietary indexes.

AM Best

A- Excellent

Surrender options

5 and 10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, North Carolina)

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.25% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.25% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

23% participation rate

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

25% participation rate

Participation

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8% cap rate

Cap strategy

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

11% cap rate

Cap strategy

2-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

25% participation rate

Participation

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Participation

2-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

3.75% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

4.75% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

28% participation rate

Participation

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

28% participation rate

Participation

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Cap strategy

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8% cap rate

Cap strategy

2-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

35% participation rate

Participation

2-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

36% participation rate

Participation

2-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

2.5% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

+ 40 additional crediting options (Goldman Sachs, Citi Aria, Invesco QQQ...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium-bonus design — the contract is named for what it does. Aspida files this product as a family of bonus chassis under one productId, where the shorter-surrender chassis pairs a smaller premium bonus with a shorter vesting schedule and the longer-surrender chassis pairs a larger premium bonus with a longer vesting schedule, so a buyer's starting account value steps up from day one rather than waiting on crediting.
  • Buyer chooses among multiple surrender chassis under the same contract — a shorter, more liquid filing and longer filings that pair larger premium bonuses with longer vesting schedules — so the bonus-vs-liquidity trade-off is a live dial inside one product, not a cross-product comparison.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with cap and participation alternatives on the Nasdaq-100 and Invesco QQQ Growth, plus participation strategies on the Goldman Sachs Grand Prix, Goldman Sachs Lexicon Long Short, and Citi Aria proprietary indexes — so the same contract can express either a like-for-like named-index comparison or a higher-participation alternative.
  • Standard accumulation liquidity package is all visible on this page — 10% annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.

What to confirm

  • Premium bonuses are not free money. The bonus is vested over the full surrender period (10-year vesting on the longest-bonus chassis), and bonus FIAs typically price their cap rates and participation rates lower than the carrier's non-bonus filings to fund the bonus. Compare net long-horizon crediting against the carrier's non-bonus accumulation product (Synergy Choice Max, A001MU) before assuming the bonus is a net win — a higher headline bonus with lower ongoing caps can underperform a no-bonus contract over the full surrender term.
  • There is no lifetime-income rider on this contract in the live data. Do not pitch Synergy Choice Bonus as a guaranteed lifetime payout product — the carrier sells a separate income-focused filing for that purpose (Synergy Choice Income, A001UB).
  • Several of the index strategies use proprietary, less-recognizable indexes (Goldman Sachs Grand Prix, Goldman Sachs Lexicon Long Short, Citi Aria). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — each strategy has to be evaluated on its own historical behavior, not on the headline participation number.
  • The contract carries a market-value adjustment on early surrender on top of the surrender charge, and the high-band crediting rates require a $100,000 premium — smaller deposits get materially lower caps and participation on the same strategies, and any surrender beyond the 10% annual free-withdrawal allowance during the surrender window pays a real penalty plus the MVA. Filed in 49 jurisdictions but NOT available in New York or North Carolina. The death benefit is also the standard cash surrender value with no rollup and no step-up, so estate-focused buyers expecting an enhanced death benefit will not find one here.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no rider here — see the carrier's Synergy Choice Income filing instead), an enhanced death benefit with a rollup or step-up, short-surrender liquidity inside the bonus vesting window, or residency in New York or North Carolina where this contract is not filed. Also not a fit for buyers who would rather compare against the carrier's no-bonus accumulation chassis (Synergy Choice Max) before accepting the bonus-funded rate trade.

Free Comparison Report

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See how Synergy Choice Bonus compares for your age, state, premium, and income goals alongside other Aspida fixed indexed annuity options.

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All crediting strategies

View rate listings (147 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrender$100,000+

Par: 58% · 1-yr

Citi Aria Index

participation

5-yr surrender$100,000+

Par: 25% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 8% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

5-yr surrender$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 4.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Fixed: 2.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 205% · 2-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrender$100,000+

Par: 95% · 2-yr

Citi Aria Index

participation

5-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

participation

5-yr surrender$100,000+

Par: 40% · 2-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 36% · 2-yr

Nasdaq-100 Index

participation

5-yr surrender$100,000+

Cap: 11% · 2-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8% · 2-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Par: 130% · 1-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrenderUp to $99,999.99

Par: 53% · 1-yr

Citi Aria Index

participation

5-yr surrenderUp to $99,999.99

Par: 22% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 4.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 2.5% · 1-yr

Invesco QQQ Growth Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 2.25% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 190% · 2-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrenderUp to $99,999.99

Par: 85% · 2-yr

Citi Aria Index

participation

5-yr surrenderUp to $99,999.99

Par: 69% · 2-yr

Invesco QQQ Growth Index

participation

5-yr surrenderUp to $99,999.99

Par: 36% · 2-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 9.75% · 2-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 2-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Par: 135% · 1-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 54% · 1-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 28% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Par: 23% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 8.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

10-yr surrender$100,000+

Cap: 6% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

cap

10-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Cap: 3.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 195% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 78% · 2-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 75% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

10-yr surrender$100,000+

Par: 70% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrender$100,000+

Par: 65% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

participation

10-yr surrender$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Par: 25% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 9% · 2-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Cap: 8% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Par: 125% · 1-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

Citi Aria Index

participation

10-yr surrenderUp to $99,999.99

Par: 25.5% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

10-yr surrenderUp to $99,999.99

Cap: 5% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4% · 1-yr

Invesco QQQ Growth Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 3.5% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Cap: 3.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 180% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrenderUp to $99,999.99

Par: 71% · 2-yr

Citi Aria Index

participation

10-yr surrenderUp to $99,999.99

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

10-yr surrenderUp to $99,999.99

Par: 64% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrenderUp to $99,999.99

Par: 60% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

participation

10-yr surrenderUp to $99,999.99

Par: 32% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Par: 21% · 2-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 6.75% · 2-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 6307$100,000+

Par: 57% · 1-yr

Citi Aria Index

PP

Other state rate set 6307$100,000+

Par: 28% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 6307$100,000+

Par: 23% · 1-yr

S&P 500 Index

PP

Other state rate set 6307$100,000+

Cap: 10% · 1-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 6307$100,000+

Cap: 6.25% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 6307$100,000+

Cap: 5.25% · 1-yr

S&P 500 Index

PP

Other state rate set 6307$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

PP

Other state rate set 6307$100,000+

Cap: 4.5% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 6307$100,000+

Trigger: 4.5% · 1-yr

S&P 500 Index

PT

Other state rate set 6307$100,000+

Fixed: 3.15% · 1-yr

Fixed Account

FX

Other state rate set 6307$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 6307$100,000+

Par: 85% · 2-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 6307$100,000+

Par: 80% · 2-yr

Citi Aria Index

PP

Other state rate set 6307$100,000+

Par: 72% · 2-yr

Invesco QQQ Growth Index

PP

Other state rate set 6307$100,000+

Par: 68% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 6307$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 6307$100,000+

Par: 27% · 2-yr

S&P 500 Index

PP

Other state rate set 6307$100,000+

Cap: 8.5% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 6307$100,000+

Cap: 7.5% · 2-yr

S&P 500 Index

PP

Other state rate set 6307$100,000+

Par: 130% · 1-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 6307Up to $99,999.99

Par: 52% · 1-yr

Citi Aria Index

PP

Other state rate set 6307Up to $99,999.99

Par: 25.5% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 6307Up to $99,999.99

Par: 20% · 1-yr

S&P 500 Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 8.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 5.5% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 4.5% · 1-yr

S&P 500 Index

PP

Other state rate set 6307Up to $99,999.99

Trigger: 4.25% · 1-yr

S&P 500 Index

PT

Other state rate set 6307Up to $99,999.99

Cap: 3.75% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 3.5% · 1-yr

Invesco QQQ Growth Index

PP

Other state rate set 6307Up to $99,999.99

Fixed: 2.9% · 1-yr

Fixed Account

FX

Other state rate set 6307Up to $99,999.99

Par: 185% · 2-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 6307Up to $99,999.99

Par: 75% · 2-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 6307Up to $99,999.99

Par: 73% · 2-yr

Citi Aria Index

PP

Other state rate set 6307Up to $99,999.99

Par: 66% · 2-yr

Invesco QQQ Growth Index

PP

Other state rate set 6307Up to $99,999.99

Par: 65% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 6307Up to $99,999.99

Par: 32% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 6307Up to $99,999.99

Par: 23% · 2-yr

S&P 500 Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 7.5% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 6307Up to $99,999.99

Cap: 6.25% · 2-yr

S&P 500 Index

PP

Other state rate set 6307Up to $99,999.99

Par: 135% · 1-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 8357$100,000+

Par: 55% · 1-yr

Citi Aria Index

PP

Other state rate set 8357$100,000+

Par: 27% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 8357$100,000+

Par: 23% · 1-yr

S&P 500 Index

PP

Other state rate set 8357$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 8357$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

PP

Other state rate set 8357$100,000+

Cap: 5.75% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 8357$100,000+

Cap: 4.5% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 8357$100,000+

Trigger: 4% · 1-yr

S&P 500 Index

PT

Other state rate set 8357$100,000+

Cap: 3% · 1-yr

Invesco QQQ Growth Index

PP

Other state rate set 8357$100,000+

Fixed: 2.35% · 1-yr

Fixed Account

FX

Other state rate set 8357$100,000+

Par: 195% · 2-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 8357$100,000+

Par: 90% · 2-yr

Citi Aria Index

PP

Other state rate set 8357$100,000+

Par: 72% · 2-yr

Invesco QQQ Growth Index

PP

Other state rate set 8357$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 8357$100,000+

Par: 62% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 8357$100,000+

Par: 38% · 2-yr

S&P 500 Index

PP

Other state rate set 8357$100,000+

Par: 34% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 8357$100,000+

Cap: 10.5% · 2-yr

S&P 500 Index

PP

Other state rate set 8357$100,000+

Cap: 7.5% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 8357$100,000+

Par: 125% · 1-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 8357Up to $99,999.99

Par: 50% · 1-yr

Citi Aria Index

PP

Other state rate set 8357Up to $99,999.99

Par: 24.5% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 8357Up to $99,999.99

Par: 20% · 1-yr

S&P 500 Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 6.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 5.25% · 1-yr

S&P 500 Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 5.25% · 1-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 4% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 8357Up to $99,999.99

Trigger: 3.75% · 1-yr

S&P 500 Index

PT

Other state rate set 8357Up to $99,999.99

Fixed: 2.1% · 1-yr

Fixed Account

FX

Other state rate set 8357Up to $99,999.99

Cap: 2% · 1-yr

Invesco QQQ Growth Index

PP

Other state rate set 8357Up to $99,999.99

Par: 180% · 2-yr

Goldman Sachs Grand Prix Index

PP

Other state rate set 8357Up to $99,999.99

Par: 79% · 2-yr

Citi Aria Index

PP

Other state rate set 8357Up to $99,999.99

Par: 66% · 2-yr

Invesco QQQ Growth Index

PP

Other state rate set 8357Up to $99,999.99

Par: 65% · 2-yr

Goldman Sachs Lexicon Long Short Index

PP

Other state rate set 8357Up to $99,999.99

Par: 57% · 2-yr

BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index

PP

Other state rate set 8357Up to $99,999.99

Par: 34% · 2-yr

S&P 500 Index

PP

Other state rate set 8357Up to $99,999.99

Par: 30% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 9.25% · 2-yr

S&P 500 Index

PP

Other state rate set 8357Up to $99,999.99

Cap: 6.5% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 8357Up to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Synergy Choice Bonus review notes

Learn about Aspida Synergy Choice Bonus Fixed Indexed Annuity: rates, costs, riders, and why it may be a good option for your retirement.

4.5/5Read review
Nikhil Bhauwala

Common questions about Synergy Choice Bonus

● Can I lose money in Synergy Choice Bonus?

A negative index return by itself does not reduce the contract's account value: Synergy Choice Bonus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do Synergy Choice Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Synergy Choice Bonus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

product guide

30030-Synergy-Choice-Bonus-Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Synergy Choice Bonus currently shows 135 distinct indexed or fixed crediting choices across 160 current rate listings, including S&P 500 Index, with 71 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 5.5% annual cap
  • S&P 500 Index: 4.25% annual cap
  • S&P 500 Index: 4.5% annual point-to-point cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 30030-Synergy-Choice-Bonus-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Synergy Choice Bonus compares for your age, state, premium, and income goals alongside other Aspida fixed indexed annuity options.

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