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Fixed Indexed Annuity

Synergy Choice Income — Aspida

Name: Synergy Choice Income
Brand: Aspida

Aspida

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Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: October 2, 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 Income would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$222,695

Gross crediting illustration at age 80 (Synergy Choice Income)

Excludes the 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms). This is not a net contract value.

Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms).

S&P 500 Index — 5% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Synergy Choice Income's published cap rate (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. Gross crediting only: this illustration excludes the 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 0.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms); 1.5% annual Guaranteed Lifetime Income Benefit Rider charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

Get a Synergy Choice Income rate report

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

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rate data

Run numbers for Synergy Choice Income

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

5.05% lifetime payout + 13%/yr · simple · for up to 10 years roll-up

A 10-year fixed indexed annuity built around an optional lifetime-income rider, with index crediting choices spanning the S&P 500, Nasdaq-100, and several engineered indexes.

0.5% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

A pre-retiree planning to defer for several years and then turn on guaranteed lifetime income through a paid rider, with the account-value upside as a secondary goal.

AM Best

A- Excellent

Surrender period

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

S&P 500

S&P 500 Index

5% cap rate

Rate effective Sep 29, 2025

Annual point-to-point

Requested state: TX

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

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

4.25% trigger rate

Rate effective Sep 29, 2025

Performance trigger

Requested state: TX

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

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

30% participation rate

Rate effective Sep 29, 2025

Annual point-to-point

Requested state: TX

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

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

10% cap rate

Rate effective Sep 29, 2025

2-year point-to-point

Requested state: TX

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

2-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

36% participation rate

Rate effective Sep 29, 2025

2-year point-to-point

Requested state: TX

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

2-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

4.25% cap rate

Rate effective Sep 29, 2025

Annual point-to-point

Requested state: TX

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

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

30% participation rate

Rate effective Sep 29, 2025

Annual point-to-point

Requested state: TX

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

1-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Rate effective Sep 29, 2025

2-year point-to-point

Requested state: TX

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

2-year term

10-year surrender

$100,000+

Nasdaq-100

Nasdaq-100 Index

35% participation rate

Rate effective Sep 29, 2025

2-year point-to-point

Requested state: TX

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

2-year term

10-year surrender

$100,000+

Fixed Account

2.75% declared rate

Rate effective Sep 29, 2025

Fixed account

Requested state: TX

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

1-year term

10-year surrender

$100,000+

+ 12 additional crediting options (Goldman Sachs, Citi Aria, Invesco QQQ...)

Lifetime Income Riders

Income rider

Guaranteed Income Benefit Rider

RMD friendly

Lifetime payout rate5.05% lifetime payout

Annual rider fee0.5% annual rider fee

Guaranteed roll-up13%/yr · simple · for up to 10 years

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

Optional GLWB rider with a guaranteed annual roll-up plus a one-time income bonus on the withdrawal base.
Two rider fee tiers — a lower-cost option for buyers who want less roll-up, a higher-cost option for buyers who want the full income build.
S&P 500 and Nasdaq-100 are both available as crediting choices, alongside several engineered indexes.
Free nursing-home, terminal-illness, and RMD waivers on the surrender charge.

What to confirm

The income rider carries an annual fee charged on the withdrawal base, not the account value — effective cost runs higher than the headline fee suggests.
Ten-year surrender schedule with the steepest charges in the first two years — meaningful early-exit cost if plans change.
Several of the higher participation rates sit on engineered, volatility-controlled indexes that aren't directly comparable to S&P 500 cap rates.
$100,000 minimum for the headline rate band — smaller-premium buyers get a lower fixed crediting rate.

Not ideal for

Buyers who want a plain fixed-rate guarantee with no rider fees, full liquidity, or a shorter surrender period.

Free Comparison Report

Get a Synergy Choice Income rate report

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

Get my rate report

All crediting strategies

View rate listings (44 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 49% · 1-yr

Citi Aria Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 49% · 1-yr

Citi Aria Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 30% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 30% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 30% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 30% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 7.5% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 7.5% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 6% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 6% · 1-yr

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

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 4.25% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 4.25% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX10-yr surrender$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 80% · 2-yr

Citi Aria Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 80% · 2-yr

Citi Aria Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 65% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 65% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 65% · 2-yr

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

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 65% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 36% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 36% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 10% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 29, 202510-yr surrender$100,000+

Cap: 10% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 9% · 2-yr

Nasdaq-100 Index

Explore the features, rates, and riders of the Aspida Synergy Choice Income Fixed Indexed Annuity. Is it the right choice for your retirement?

3/5Read review

Nikhil Bhauwala

Common questions about Synergy Choice Income

● Can I lose money in Synergy Choice Income?

A negative index return by itself does not reduce the contract's account value: Synergy Choice Income credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, 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.

● Is the Guaranteed Lifetime Income Benefit Rider income rider worth the 0.5% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the published roll-up (13%/yr · simple · for up to 10 years) and 5.05% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

Use "Compare against" in the analyzer to overlay another available Synergy Choice Income 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.

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

Yr 8

Yr 9

Yr 10

After

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

product guide

30042-Synergy-Choice-Income-Fact-Sheet.pdf

Confidence: highReviewed Apr 3, 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 Income currently shows 44 indexed or fixed crediting options, including S&P 500 Index, with 24 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.

S&P 500 Index: 5% annual cap, 0% annual strategy fee
S&P 500 Index: 5% annual cap
S&P 500 Index: 4.25% annual trigger rate, 0% annual strategy fee
S&P 500 Index: 4.25% annual trigger rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Income Benefit Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

5.05% withdrawal rate
0.5% rider fee
RMD friendly

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
10 surrender years
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 30042-Synergy-Choice-Income-Fact-Sheet.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

Get a Synergy Choice Income rate report

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

Get my rate report

Related Resources

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

Synergy Choice Income — Aspida

See what Synergy Choice Income would do for you

Get a Synergy Choice Income rate report

Run numbers for Synergy Choice Income

5.05% lifetime payout + 13%/yr · simple · for up to 10 years roll-up

Featured crediting strategies

Lifetime Income Riders

Guaranteed Income Benefit Rider

How to think about this contract

Why it can stand out

What to confirm

Get a Synergy Choice Income rate report

All crediting strategies

Income riders

Guaranteed Lifetime Income Benefit Rider

Guaranteed Lifetime Income Benefit Rider

Guaranteed Lifetime Income Benefit Rider

Guaranteed Lifetime Income Benefit Rider

Synergy Choice Income review notes

Common questions about Synergy Choice Income

Key Features

Free withdrawal

Surrender waivers

Death benefit

Cap-rate floor

Declared-rate floor

Fixed account guarantee

Participation-rate floor

Fund types

Surrender schedule

Documents

30042-Synergy-Choice-Income-Fact-Sheet.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

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

Get a Synergy Choice Income rate report

Related Resources

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