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Fixed Indexed Annuity

Synergy Choice Income

Aspida

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5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 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. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Synergy Choice Income)
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 Income'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 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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Live rate data

Run live numbers for Synergy Choice Income

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

Live product data

Rates as of July 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

4.3% lifetime payout + 13% 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 feeAdvisorWorld + 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)

Featured crediting strategies

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

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

30% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

10% cap rate

Cap strategy

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

Rate varies by premium band.

S&P 500

S&P 500 Index

36% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

4.25% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

30% participation rate

Participation

1-year term · 10-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

35% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.75% declared rate

Fixed account

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

Rate varies by premium band.

+ 20 additional crediting options (Goldman Sachs, Citi Aria, Invesco QQQ...)

Lifetime Income Riders

Income rider

Guaranteed Income Benefit Rider

Lifetime payout rate4.3% lifetime payout
Annual rider fee0.5% annual rider fee
Guaranteed roll-up13%/yr
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.

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All crediting strategies

View rate listings (40 rows)

These are the current crediting strategy listings returned 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

10-yr surrender$100,000+

Par: 49% · 1-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 30% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 30% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 7.5% · 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+

Cap: 4.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Trigger: 4.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 80% · 2-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrender$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short 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: 36% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 10% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 9% · 2-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Par: 127% · 1-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrenderUp to $99,999.99

Par: 43% · 1-yr

Citi Aria Index

participation

10-yr surrenderUp to $99,999.99

Par: 27% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 27% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 6.5% · 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

Cap: 3.5% · 1-yr

Nasdaq-100 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

Fixed: 2.5% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 185% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrenderUp to $99,999.99

Par: 72% · 2-yr

Citi Aria Index

participation

10-yr surrenderUp to $99,999.99

Par: 70% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrenderUp to $99,999.99

Par: 65% · 2-yr

Goldman Sachs Lexicon Long Short 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

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 32% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 9% · 2-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.5% · 2-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Guaranteed Lifetime Income Benefit Rider

Lifetime withdrawal rate4.3%
Annual rider fee0.5%
Withdrawal-base growth13% roll-up / 2× multiplier

GLWB

Linked review

Synergy Choice Income review notes

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 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.

● 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 13% roll-up and 4.3% 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 surrender period runs 10 years; after that you reach full liquidity. 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 current 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.

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, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

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 39 distinct indexed or fixed crediting choices across 40 current rate listings, including S&P 500 Index, with 20 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: 4.25% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 30% annual participation rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Income Benefit Rider is the main income-rider entry returned 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.

  • 4.3% withdrawal rate
  • 0.5% rider fee

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

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