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Fixed Indexed Annuity

Synergy Choice Max

Aspida

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10%

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 Max 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 Max)
10%
Best S&P 500 1-yr point-to-point cap
BlackRock U.S. Equity Bitcoin Balanced Risk 10% Index — 14% 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 (14% 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.

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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.

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Live rate data

Run live numbers for Synergy Choice Max

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.

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 termAdvisorWorld + 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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

10% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.25% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

15% cap rate

Cap strategy

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

Rate varies by premium band.

S&P 500

S&P 500 Index

15% cap rate

Cap strategy

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8.25% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

7.75% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

43% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

41% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

13% cap rate

Cap strategy

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

12% cap rate

Cap strategy

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

48% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

46% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 10-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

  • 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.

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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.

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All crediting strategies

View rate listings (49 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: 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: 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+

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: 9.5% · 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+

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+

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: 115% · 2-yr

Goldman Sachs Lexicon Long Short 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: 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+

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+

Par: 180% · 1-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrenderUp to $99,999.99

Par: 75% · 1-yr

Citi Aria Index

participation

5-yr surrenderUp to $99,999.99

Par: 47% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 11% · 1-yr

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

cap

5-yr surrenderUp to $99,999.99

Cap: 9% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

5-yr surrenderUp to $99,999.99

Cap: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 6% · 1-yr

Invesco QQQ Growth Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 255% · 2-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrenderUp to $99,999.99

Par: 123% · 2-yr

Citi Aria Index

participation

5-yr surrenderUp to $99,999.99

Par: 105% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

5-yr surrenderUp to $99,999.99

Par: 95% · 2-yr

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

participation

5-yr surrenderUp to $99,999.99

Par: 93% · 2-yr

Invesco QQQ Growth Index

participation

5-yr surrenderUp to $99,999.99

Par: 51% · 2-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 45% · 2-yr

Nasdaq-100 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 13.5% · 2-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Par: 41% · 1-yr

Nasdaq-100 Index

participation

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: 7.75% · 1-yr

Nasdaq-100 Index

cap

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+

Par: 39% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 10% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Par: 43% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 11% · 2-yr

Nasdaq-100 Index

cap

10-yr surrenderUp 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 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.

4.5/5Read review
Nikhil Bhauwala

Common questions about Synergy Choice Max

● Can I lose money in Synergy Choice Max?

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 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.

● 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 Max's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current 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.

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

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

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 48 distinct indexed or fixed crediting choices across 80 current rate listings, including S&P 500 Index, with 22 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: 9.5% annual cap
  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 8.75% annual cap
  • S&P 500 Index: 9.25% annual 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
  • 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 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

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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.

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