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Fixed Indexed Annuity

Synergy Choice Max — Aspida

Aspida

Get my rate report

10.25%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Max would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. 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.
Crediting strategy
Compare against
$312,762
Est. value at age 80 (Synergy Choice Max)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% 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 (10.25% 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 October 2, 2026.

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.

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rate data

Run numbers for Synergy Choice Max

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.

S&P 500 annual cap rate

10.25% 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 term5-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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.25% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

10.25% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

7.25% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

7.25% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

50% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

50% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

15% cap rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

15% cap rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

55% participation rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

55% participation rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

8.25% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

7.75% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

43% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

41% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

13% cap rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

12% cap rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

48% participation rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

46% participation rate

Rate effective Oct 1, 2026

2-year point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

4.5% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

4.5% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

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

+ 24 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.

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.

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All crediting strategies

View rate listings (58 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: 190% · 1-yr

Goldman Sachs Grand Prix Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 190% · 1-yr

Goldman Sachs Grand Prix Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 80% · 1-yr

Citi Aria Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 80% · 1-yr

Citi Aria Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 43% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 43% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 18% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 18% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 15% · 1-yr

Invesco QQQ Growth Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 15% · 1-yr

Invesco QQQ Growth Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 14% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 14% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 14% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 14% · 1-yr

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

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 8.25% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 8.25% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Par: 270% · 2-yr

Goldman Sachs Grand Prix Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 270% · 2-yr

Goldman Sachs Grand Prix Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 130% · 2-yr

Citi Aria Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 130% · 2-yr

Citi Aria Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 120% · 2-yr

Invesco QQQ Growth Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 120% · 2-yr

Invesco QQQ Growth Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 115% · 2-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 115% · 2-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 110% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 110% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 105% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 105% · 2-yr

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

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 55% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 48% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 48% · 2-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 15% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 15% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 13% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 13% · 2-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 41% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 41% · 1-yr

Nasdaq-100 Index

Point-to-point

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

Cap: 20% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Cap: 20% · 1-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

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

Cap: 15% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Cap: 15% · 1-yr

Goldman Sachs Lexicon Long Short Index

Point-to-point

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

Cap: 7.75% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Cap: 7.75% · 1-yr

Nasdaq-100 Index

Point-to-point

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

Par: 115% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 115% · 2-yr

T. Rowe Price U.S. Equity 15 Index

Point-to-point

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

Par: 46% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Par: 46% · 2-yr

Nasdaq-100 Index

Point-to-point

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

Cap: 12% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 202610-yr surrender$100,000+

Cap: 12% · 2-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-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.

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 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 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 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

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

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 58 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.

  • S&P 500 Index: 10.25% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.25% annual cap
  • S&P 500 Index: 7.25% annual trigger rate, 0% annual strategy fee
  • S&P 500 Index: 7.25% annual trigger rate

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

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.

Get my rate report

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