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 strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$236,881
Est. value at age 80 (Synergy Choice Bonus)
5.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5.5% 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 (5.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 18, 2026.
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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.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Aspida product.
Live product data
Rates as of September 18, 2026, from AdvisorWorld and CANNEX.
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) and available in several bonus and surrender-period versions, 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 term5-year surrender$100,000+AdvisorWorld + 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)
Minimum premium
$25,000
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
Premium-bonus design — the contract is named for what it does. Aspida offers several versions: a shorter surrender period paired with a smaller bonus and shorter vesting schedule, or a longer surrender period paired with a larger bonus and 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 version), 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 Synergy Choice Max 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 the separate income-focused Synergy Choice Income for that purpose.
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.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 140% · 1-yr
Goldman Sachs Grand Prix Index
participation
5-yr surrender$100,000+
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: 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+
Par: 25% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Cap: 8.5% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
5-yr surrender$100,000+
Cap: 8.5% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
5-yr surrender$100,000+
Cap: 8% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
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: 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+
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+
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: 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: 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: 75% · 2-yr
Invesco QQQ Growth Index
participation
5-yr surrender$100,000+
Par: 70% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
5-yr surrender$100,000+
Par: 70% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
5-yr surrender$100,000+
Par: 40% · 2-yr
S&P 500 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+
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: 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+
Cap: 8% · 2-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Par: 135% · 1-yr
Goldman Sachs Grand Prix Index
participation
10-yr surrender$100,000+
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: 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: 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+
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: 8.5% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
10-yr surrender$100,000+
Cap: 7.5% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
10-yr surrender$100,000+
Cap: 7.5% · 1-yr
T. Rowe Price U.S. Equity 15 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: 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+
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+
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+
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+
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: 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: 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: 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: 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: 65% · 2-yr
T. Rowe Price U.S. Equity 15 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: 65% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
10-yr surrender$100,000+
Par: 35% · 2-yr
Nasdaq-100 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+
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: 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+
Cap: 8% · 2-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Accumulation profile
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
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.
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 withdrawals, surrender charges, 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 available 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.
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 is currently unavailable for this product. 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 76 indexed or fixed crediting options, including S&P 500 Index, with 40 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
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.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.