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The withdrawal charge schedule applies to excess withdrawals and declines annually. For example, the 5-year schedule is 9%, 8%, 7%, 6%, and 5%, becoming 0% thereafter. Charges vary by term and may also be affected by a Market Value Adjustment (MVA) depending on interest rate changes since the contract was issued 

None — enhanced liquidity is built into the base contract.

Full accumulation value paid to beneficiaries.

10% of accumulation value available annually after year one.

The WealthLockSM MYGA Plus policy is a fixed annuity contract that guarantees interest earnings over 2, 3, 5, or 7-year terms. During this period, the premium grows at a fixed rate, locked in at the time of purchase. Withdrawals of up to 10% annually are allowed without penalty after the first year. If the policyholder is diagnosed with a terminal illness or confined to a nursing home after the first year, 100% of the contract value may be withdrawn penalty-free. After the selected term ends, the annuity may renew at a new rate, but the rate will never fall below the contractually stated minimum guaranteed interest rate

At the end of the guarantee term, the policy automatically renews for the same duration at the declared rate. Owners can withdraw or annuitize without penalty within 30 days of maturity.

Equal to accumulation value minus applicable surrender charges and MVA (if applicable).

 is a multi-year guaranteed annuity (MYGA) offered with term options of 2, 3, 5, or 7 years. It provides a fixed interest rate for the selected term, ensuring predictable growth and full protection of your premium regardless of market performance. Designed for individuals seeking safety and accumulation, this annuity allows tax-deferred compounding and offers flexible payout options, including converting the contract value into a stream of guaranteed income. In the event of the policyholder’s death, the full contract value passes directly to beneficiaries without going through probate

Subject to withdrawal charges and a market value adjustment (MVA) if surrendered before the end of the guarantee period or if withdrawal exceeds the free 10% amount. After the initial guarantee period, the contract value is fully available without surrender charges or MVA​

Not applicable (no liquidity or optional riders available).

Aspida Advisory MYGA is a single premium, multi-year guaranteed annuity designed to offer secure, tax-deferred growth over 2-, 3-, 5-, or 7-year terms. It guarantees a fixed interest rate for the selected term and offers predictable income options, access to required minimum distributions, and full payout to beneficiaries upon the owner's death without probate delays. After the first year, the contract may be annuitized for guaranteed lifetime income. With no market exposure, it’s a low-risk solution for individuals planning for retirement.

Automatically renews at Aspida’s then-current declared rate for the same term unless owner withdraws or annuitizes within 30 days post-maturity.

Equal to the accumulation value minus applicable surrender charges.

 is a single premium, multi-year guaranteed annuity designed to offer secure, tax-deferred growth over 2-, 3-, 5-, or 7-year terms. It guarantees a fixed interest rate for the selected term and offers predictable income options, access to required minimum distributions, and full payout to beneficiaries upon the owner's death without probate delays. After the first year, the contract may be annuitized for guaranteed lifetime income. With no market exposure, it’s a low-risk solution for individuals planning for retirement.

The Aspida WealthLock MYG annuity allows up to 10% of the contract value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

None. The Aspida WealthLock MYG Annuity levies no annual contract or administrative fees.

10% annual withdrawal after year one; RMDs exempt from surrender penalties.

The WealthLock℠ MYGA has no annual or upfront fees, but withdrawals exceeding the 10% annual free withdrawal allowance during the guarantee period may incur a declining withdrawal charge—starting at 9% in year one and decreasing annually to 0% after the guarantee period. A market value adjustment (MVA) also applies to excess withdrawals during the withdrawal charge schedule and may increase or reduce the withdrawal amount based on interest rate movements. Waivers are available for terminal illness and nursing home confinement, allowing full access without penalty if eligibility requirements are met. Early withdrawals before age 59½ may incur a 10% IRS penalty in addition to ordinary income taxes.

Automatically renews for the same term at Aspida’s declared renewal rate. Contract owners have 30 days post-maturity to make penalty-free changes.

Equal to accumulation value minus surrender charges and Market Value Adjustment, if applicable.

 is a single premium deferred fixed annuity that offers guaranteed interest accumulation over a fixed term of 2, 3, 5, or 7 years. Designed for long-term financial planning, it provides tax-deferred growth, principal protection, and predictable returns regardless of market conditions. After one year, the contract can be converted into a stream of guaranteed income, and beneficiaries receive the full contract value upon the owner's death without penalties. Additional benefits include systematic interest withdrawals, nursing home and terminal illness waivers, and access to required minimum distributions (RMDs) after 30 days.

The Aspida SynergyChoice MYG annuity allows up to 10% of the contract value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

Full accumulation value paid to beneficiary upon death, free of surrender charges.

Optional riders provide access to either accumulated interest or 10 % of accumulation value annually after the first year. Choosing liquidity options reduces credited rate per schedule below.

I need the policy description and product description from this product, state on pdf , but I really need the policy description (fees and charges) in paragraph, not too long.

At the end of the guarantee term, the policy automatically renews for the same duration at Aspida’s then-declared rate. Policyholders have 30 days to withdraw or annuitize without penalty.

Equals the accumulation value minus applicable surrender charges and, if selected, Market Value Adjustment. Withdrawals exceeding penalty-free limits reduce both value and future earnings.

 is a single-premium deferred fixed annuity designed to offer secure, tax-deferred growth at a guaranteed interest rate over your choice of 2, 3, 5, or 7 years. Issued by Aspida Life Insurance Company, this MYGA provides steady, market-risk-free accumulation of retirement savings. Clients can customize their contract with optional withdrawal features such as interest-only withdrawals or 10% annual free withdrawals. After the first year, the annuity can also be annuitized to provide guaranteed income, including lifetime income options. With the protection of principal and predictable returns, Synergy Choice™ MYGA is well-suited for conservative investors preparing for retirement.

Aspida – WealthLock Plus MYGA (2-, 3-, 5-, 7-Year Terms)

Aspida – Advisory MYGA (2-, 3-, 5-, 7-Year Terms)

Aspida – WealthLock MYGA (2-, 3-, 5-, 7-Year Terms)

Aspida – Synergy Choice MYGA (2-, 3-, 5-, 7-Year Terms)