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Fixed Indexed Annuity

WealthLock Accumulator — Aspida

Aspida

Get my rate report

10.5%

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 WealthLock Accumulator 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 (WealthLock Accumulator)
10.5%
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 WealthLock Accumulator'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.

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See how WealthLock Accumulator 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 WealthLock Accumulator

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

10.5% cap on S&P 500

A 10-year-surrender accumulation FIA from an A- rated carrier filed in 49 jurisdictions (all states and DC except New York and North Carolina), built around an S&P 500 cap option plus participation-rate strategies on proprietary volatility-controlled indexes and three sector-ETF caps, with no lifetime-income rider in the design.

1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want pure tax-deferred accumulation from an A- rated carrier, are comfortable committing for ten years, can deposit at least $100,000 to qualify for the high-band crediting rates, and want a single contract that can express either a recognizable S&P 500 cap, higher-participation exposure to proprietary indexes, or targeted sector-ETF caps.

AM Best

A- Excellent

Surrender options

7 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

10.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-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

7.75% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

7.5% 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

55% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

55% 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

9% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

8.75% 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

8% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

7.75% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

45% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

40% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

4% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

4% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

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

+ 24 additional crediting options (Invesco Peak, BofA USA, S&P Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Accumulation-focused design — the contract is named for what it does, with no GLWB rider and no rider fee skimming credited interest, so every basis point of crediting flows into account value.
  • Crediting menu pairs a recognizable S&P 500 annual cap option with a fixed-rate bucket, three participation-rate strategies on the Invesco Peak II, BofA USA Growth FC 10, and S&P Global Diversified 7.5% TCA proprietary indexes, an S&P 500 performance trigger, and three sector-ETF point-to-point caps (gold, US real estate, MSCI EAFE) — so the same contract can express either a like-for-like S&P comparison, a higher-participation alternative, or a targeted sector view.
  • Participation-rate strategies on the proprietary indexes are offered in 1-year, 2-year, and 5-year terms with progressively higher participation as the term lengthens — buyers willing to lock crediting longer get rewarded with materially higher rates inside the same contract.
  • 10% annual free-withdrawal allowance with three surrender waivers (nursing home, terminal illness, RMD) plus single-life, joint-life, qualified, and non-qualified availability — flexibility that does not require an add-on rider.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch it as a guaranteed-lifetime-payout product — if income is the goal, the carrier's sibling WealthLock Income Builder is the rider-led design.
  • The surrender schedule runs the full ten years and starts steep in the early years before grading down, and the contract also carries a market value adjustment — buyers who may need full liquidity inside the ten-year window pay a real penalty on top of the MVA.
  • Five of the index strategies use proprietary volatility-controlled or custom indexes (Invesco Peak II, BofA USA Growth FC 10, S&P Global Diversified 7.5% TCA). 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.
  • Crediting rates step down at premium under $100,000 — the rates shown on this page are the high-band tier; smaller deposits get materially lower caps, participation rates, and fixed rate on the same strategies. New York and North Carolina residents cannot purchase this contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (look at the sibling WealthLock Income Builder instead), an enhanced death benefit with a rollup or step-up, short-surrender liquidity inside ten years, or a deposit under $100,000 — none of those are part of this contract's high-band design. New York and North Carolina residents — no filing applies in either state.

Free Comparison Report

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See how WealthLock Accumulator 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 (48 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

Invesco Peak II Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 140% · 1-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 140% · 1-yr

Invesco Peak II Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 140% · 1-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 110% · 1-yr

BofA USA Growth FC 10 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 110% · 1-yr

BofA USA Growth FC 10 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 11% · 1-yr

iShares Gold Trust

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 11% · 1-yr

iShares Gold Trust

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 10% · 1-yr

iShares MSCI EAFE ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 10% · 1-yr

iShares MSCI EAFE ETF

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 8% · 1-yr

Nasdaq-100 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 8% · 1-yr

iShares US Real Estate ETF

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 8% · 1-yr

Nasdaq-100 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Cap: 8% · 1-yr

iShares US Real Estate ETF

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Par: 115% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 115% · 2-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 115% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 115% · 2-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 90% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 90% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 165% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 165% · 5-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 165% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 165% · 5-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 135% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 135% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 40% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

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

Par: 40% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-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, 202610-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point

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

Cap: 8.75% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

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

Cap: 8.75% · 1-yr

Nasdaq-100 Index

Point-to-point

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

Trigger: 7.75% · 1-yr

Nasdaq-100 Index

Performance trigger · 0% annual strategy fee

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

Trigger: 7.75% · 1-yr

Nasdaq-100 Index

Performance trigger

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

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

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

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger

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

WealthLock Accumulator review notes

Explore the Aspida WealthLock Accumulator Fixed Indexed Annuity. Discover its features, rates, and suitability for your retirement needs.

4.5/5Read review
Nikhil Bhauwala

Common questions about WealthLock Accumulator

● Can I lose money in WealthLock Accumulator?

A negative index return by itself does not reduce the contract's account value: WealthLock Accumulator 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 WealthLock Accumulator's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available WealthLock Accumulator 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

0.00%

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, 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

23018-WealthLock-Accumulator-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

WealthLock Accumulator currently shows 48 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: 10.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.25% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.5% annual cap
  • S&P 500 Index: 10.25% 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 23018-WealthLock-Accumulator-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 WealthLock Accumulator rate report

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

Get my rate report

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