Fixed Indexed Annuity

WealthLock® Income Builder

Aspida

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5.25%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: September 18, 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® Income Builder 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 September 18, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$214,873

Est. value at age 80 (WealthLock® Income Builder)

5.25%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 4.75% 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 WealthLock® Income Builder's published cap rate (4.75% 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.

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See how WealthLock® Income Builder 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® Income Builder

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.

GLWB lifetime payout rate

5.3% lifetime payout + 16% roll-up

An income-led fixed indexed annuity from an A-minus-rated carrier filed in 49 jurisdictions (all states and DC except New York and North Carolina), built around an optional Guaranteed Lifetime Withdrawal Benefit rider and offered in two surrender-term variants (7-year and 10-year) so the contract length can match the buyer's income-start timeline.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers planning around lifetime income who want a documented GLWB withdrawal rate and a roll-up on the income base during deferral, and who can pick between a shorter or longer surrender term to match when income turns on.

AM Best

A- Excellent

Surrender options

7 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

S&P 500

S&P 500 Index

5.25% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

4.75% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

4.75% trigger rate

Performance trigger

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

4.25% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

5% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

4.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Fixed Account

2.75% declared rate

Fixed account

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

2.75% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 18 additional crediting options (Invesco Peak, BofA USA, S&P Global...)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

RMD friendly

Lifetime payout rate5.3% lifetime payout

Annual rider fee1% annual rider fee

Guaranteed roll-up16%/yr

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

Income story is concrete: an optional GLWB rider with stated lifetime withdrawal rates and a roll-up on the withdrawal base during deferral — single and joint income are both supported, and the rider is RMD-friendly for qualified money.
Crediting menu pairs recognizable annual point-to-point caps on the S&P 500 and Nasdaq-100 with participation-rate strategies on three proprietary volatility-controlled indexes, plus an S&P 500 performance trigger and a fixed-rate bucket — both like-for-like and higher-participation comparisons can be drawn from the same contract.
Two surrender-term variants are filed under one product (a shorter-surrender 7-year and a longer-surrender 10-year), letting buyers match the commitment to their income-start timeline rather than being locked into a single chassis length.
Standard liquidity package — annual free-withdrawal allowance plus nursing-home, RMD, and terminal-illness surrender waivers — is preserved alongside the income rider rather than traded away for it.

What to confirm

The GLWB rider carries an annual fee charged on the withdrawal base, not on the account value — effective cost runs higher than a flat percent of cash value once the base rolls up, and that drag compounds over the deferral years.
Three of the index strategies use proprietary volatility-controlled indexes (Invesco Peak II, BofA USA Growth FC 10, S&P Global Diversified). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own historical behavior.
Both filed variants carry a market value adjustment on early surrender on top of the surrender-charge schedule, so buyers who may need full liquidity inside the surrender window face a real penalty layered on the MVA.
Death benefit is the standard cash surrender value with no rollup and no step-up, and the contract is not filed in New York or North Carolina — so estate-focused buyers and residents of either state need to look elsewhere.

Not ideal for

Buyers who want pure tax-deferred accumulation without paying a rider fee, need short-surrender liquidity inside the MVA window, want a guaranteed enhanced death benefit, or live in New York or North Carolina (no filing applies in either state).

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All crediting strategies

View rate listings (32 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 85% · 1-yr

Invesco Peak II Index

participation