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 Max 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
$310,636
Est. value at age 80 (Synergy Choice Max)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.75% 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 Max's published cap rate (9.75% 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.
Free Comparison Report
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See how Synergy Choice Max 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
10% cap on S&P 500
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.
1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Buyers who want tax-deferred accumulation from an A- rated carrier, want the choice between a shorter-liquidity five-year chassis and a longer ten-year chassis that prices the same indexes at higher caps, and who 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
Pure accumulation design with no income rider attached — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with an income story it cannot deliver.
Buyer chooses between two surrender chassis under the same contract — a shorter, more liquid five-year filing and a longer ten-year filing that prices the same index strategies at higher caps and participation rates.
Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a one- and two-year participation-rate alternative, plus cap and participation strategies on the Nasdaq-100, Invesco QQQ Growth, and three proprietary indexes — so the same contract can express either a like-for-like S&P comparison or a higher-participation alternative.
Standard accumulation liquidity package is all here — 10% annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.
What to confirm
There is no lifetime-income rider on this contract in the live data. Do not pitch Synergy Choice Max as a guaranteed lifetime payout product — the carrier sells a separate income-focused filing for that purpose.
Several of the index strategies use proprietary, less-recognizable indexes (Goldman Sachs Grand Prix, Citi Aria, Goldman Sachs Lexicon Long Short). Their participation rates can 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.
The longer-surrender chassis is a 10-year commitment with a market value adjustment on early surrender on top of the surrender charge — buyers who may need full liquidity inside that window pay a real penalty even with the 10% annual free withdrawal.
Filed in 49 jurisdictions but NOT available in New York or North Carolina — confirm state availability before recommending to buyers in those two states.
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, or residency in New York or North Carolina where this contract is not filed.
Free Comparison Report
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See how Synergy Choice Max 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: 190% · 1-yr
Goldman Sachs Grand Prix Index
participation
5-yr surrender$100,000+
Par: 190% · 1-yr
Goldman Sachs Grand Prix Index
participation
5-yr surrender$100,000+
Par: 80% · 1-yr
Citi Aria Index
participation
5-yr surrender$100,000+
Par: 80% · 1-yr
Citi Aria Index
participation
5-yr surrender$100,000+
Par: 50% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Par: 50% · 1-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Par: 43% · 1-yr
Nasdaq-100 Index
participation
5-yr surrender$100,000+
Par: 43% · 1-yr
Nasdaq-100 Index
participation
5-yr surrender$100,000+
Cap: 18% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
5-yr surrender$100,000+
Cap: 18% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
5-yr surrender$100,000+
Cap: 14% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
5-yr surrender$100,000+
Cap: 14% · 1-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index
cap
5-yr surrender$100,000+
Cap: 14% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
5-yr surrender$100,000+
Cap: 14% · 1-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index
cap
5-yr surrender$100,000+
Cap: 11% · 1-yr
Invesco QQQ Growth Index
cap
5-yr surrender$100,000+
Cap: 11% · 1-yr
Invesco QQQ Growth Index
cap
5-yr surrender$100,000+
Cap: 9.75% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 9.75% · 1-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 8.25% · 1-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Cap: 8.25% · 1-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Trigger: 7.25% · 1-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Trigger: 7.25% · 1-yr
S&P 500 Index
trigger
5-yr surrender$100,000+
Fixed: 4.5% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Fixed: 4.5% · 1-yr
Fixed Account
fixed
5-yr surrender$100,000+
Par: 270% · 2-yr
Goldman Sachs Grand Prix Index
participation
5-yr surrender$100,000+
Par: 270% · 2-yr
Goldman Sachs Grand Prix Index
participation
5-yr surrender$100,000+
Par: 130% · 2-yr
Citi Aria Index
participation
5-yr surrender$100,000+
Par: 130% · 2-yr
Citi Aria Index
participation
5-yr surrender$100,000+
Par: 115% · 2-yr
Goldman Sachs Lexicon Long Short Index
participation
5-yr surrender$100,000+
Par: 115% · 2-yr
Goldman Sachs Lexicon Long Short Index
participation
5-yr surrender$100,000+
Par: 110% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
5-yr surrender$100,000+
Par: 110% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
5-yr surrender$100,000+
Par: 105% · 2-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index
participation
5-yr surrender$100,000+
Par: 105% · 2-yr
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index
participation
5-yr surrender$100,000+
Par: 100% · 2-yr
Invesco QQQ Growth Index
participation
5-yr surrender$100,000+
Par: 100% · 2-yr
Invesco QQQ Growth Index
participation
5-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Par: 55% · 2-yr
S&P 500 Index
participation
5-yr surrender$100,000+
Par: 48% · 2-yr
Nasdaq-100 Index
participation
5-yr surrender$100,000+
Par: 48% · 2-yr
Nasdaq-100 Index
participation
5-yr surrender$100,000+
Cap: 15% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 15% · 2-yr
S&P 500 Index
cap
5-yr surrender$100,000+
Cap: 13% · 2-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Cap: 13% · 2-yr
Nasdaq-100 Index
cap
5-yr surrender$100,000+
Par: 41% · 1-yr
Nasdaq-100 Index
participation
10-yr surrender$100,000+
Par: 41% · 1-yr
Nasdaq-100 Index
participation
10-yr surrender$100,000+
Cap: 20% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
10-yr surrender$100,000+
Cap: 20% · 1-yr
T. Rowe Price U.S. Equity 15 Index
cap
10-yr surrender$100,000+
Cap: 15% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
10-yr surrender$100,000+
Cap: 15% · 1-yr
Goldman Sachs Lexicon Long Short Index
cap
10-yr surrender$100,000+
Cap: 10% · 1-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Cap: 10% · 1-yr
S&P 500 Index
cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Index
cap
10-yr surrender$100,000+
Cap: 7.75% · 1-yr
Nasdaq-100 Index
cap
10-yr surrender$100,000+
Par: 115% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
10-yr surrender$100,000+
Par: 115% · 2-yr
T. Rowe Price U.S. Equity 15 Index
participation
10-yr surrender$100,000+
Par: 46% · 2-yr
Nasdaq-100 Index
participation
10-yr surrender$100,000+
Par: 46% · 2-yr
Nasdaq-100 Index
participation
10-yr surrender$100,000+
Cap: 12% · 2-yr
Nasdaq-100 Index
cap
10-yr surrender$100,000+
Cap: 12% · 2-yr
Nasdaq-100 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 Max review notes
Get an in-depth analysis of the Aspida Synergy Choice Max Fixed Indexed Annuity. Learn about its features, rates, and suitability for your retirement.
A negative index return by itself does not reduce the contract's account value: Synergy Choice Max 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.
● 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 5 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 Max's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Synergy Choice Max 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
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Documents
product guide
30019-Synergy-Choice-Max-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 Max currently shows 60 indexed or fixed crediting options, including S&P 500 Index, with 30 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
5 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 30019-Synergy-Choice-Max-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
Get a Synergy Choice Max rate report
See how Synergy Choice Max 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.