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Fixed Indexed Annuity

WealthLock Accumulator

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 WealthLock Accumulator 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 (WealthLock Accumulator)
10%
Best S&P 500 1-yr point-to-point cap
iShares Gold Trust — 11% 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 (11% on iShares Gold Trust) 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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Live rate data

Run live numbers for WealthLock Accumulator

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

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 termAdvisorWorld + 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% cap rate

Annual cap

1-year term · 7-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

7.75% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8.75% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8% trigger rate

Performance trigger

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

7.75% trigger rate

Performance trigger

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

45% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

40% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

+ 48 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 filing.

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.

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All crediting strategies

View rate listings (45 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

Invesco Peak II Index

participation

7-yr surrender$100,000+

Par: 140% · 1-yr

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

participation

7-yr surrender$100,000+

Par: 110% · 1-yr

BofA USA Growth FC 10 Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 45% · 1-yr

Nasdaq-100 Index

participation

7-yr surrender$100,000+

Cap: 11% · 1-yr

iShares Gold Trust

cap

7-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Cap: 10% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrender$100,000+

Cap: 9% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender$100,000+

Trigger: 8% · 1-yr

Nasdaq-100 Index

trigger

7-yr surrender$100,000+

Cap: 8% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 115% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 115% · 2-yr

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

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 90% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 165% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 165% · 5-yr

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

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 135% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

7-yr surrender$100,000+

Par: 130% · 1-yr

Invesco Peak II Index

participation

7-yr surrenderUp to $99,999.99

Par: 130% · 1-yr

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

participation

7-yr surrenderUp to $99,999.99

Par: 105% · 1-yr

BofA USA Growth FC 10 Index

participation

7-yr surrenderUp to $99,999.99

Par: 52% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 10% · 1-yr

iShares Gold Trust

cap

7-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 9% · 1-yr

iShares MSCI EAFE ETF

cap

7-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

Nasdaq-100 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 7.5% · 1-yr

Nasdaq-100 Index

trigger

7-yr surrenderUp to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

iShares US Real Estate ETF

cap

7-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 105% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 105% · 2-yr

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

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 85% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 155% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 155% · 5-yr

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

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 130% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

7-yr surrenderUp to $99,999.99

Par: 40% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 8.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Trigger: 7.75% · 1-yr

Nasdaq-100 Index

trigger

10-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 38% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 8.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 7.25% · 1-yr

Nasdaq-100 Index

trigger

10-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

S&P 500 Index

trigger

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

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 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 WealthLock Accumulator's crediting strategies compare?

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

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

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 39 distinct indexed or fixed crediting choices across 76 current rate listings, including S&P 500 Index, with 24 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: 10% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 55% annual participation 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 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

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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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