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American National Palladium 3, 5 MYGA

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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​

If you are the owner/annuitant and die before the maturity date, your named

beneficiaries will receive the full contract value, with no withdrawal charges or MVA

applied, typically without the delay and expense associated with probate. Special rules

If you request a withdrawal during the first year of your contract, in excess of the 10%

penalty-free amount after your first contract anniversary, or surrender your contract

before the end of your current guarantee period, you may be subject to a withdrawal

charge and MVA. Each guarantee period has its own withdrawal charge schedule,

which decreases over time, as shown below.

May be issued as Non-Qualified, Traditional IRA, or Roth IRA

Accepts rollovers from qualified plans, 457 plans, IRAs, Simplified Employee, Pension

(SEP) plans, 403(b) plans, and SIMPLE IRAs

After the initial guarantee period ends, the interest rate resets annually at no less than the minimum guaranteed interest rate stated in the contract.

 You may also annuitize the contract for lifetime or period-certain payments after the first year​

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​

Aspida Advisory MYGA from Aspida Life Insurance Company offers a secure, low-risk way to grow tax-deferred money for retirement. It gives you dependable growth and security for your loved ones with benefits like guaranteed interest, tax-deferred growth, direct access to your money when you need it, and multiple guaranteed income options

The Aspida WealthLock MYG annuity allows up to 10% of the contract value to be withdrawn free of charge each year.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.

The Aspida WealthLock MYG Annuity levies no annual contract or administrative fees.

If the owner or annuitant dies before the maturity date, the named beneficiaries receive the full contract value, free of withdrawal charges or MVA, typically avoiding probate delays and costs. Special rules apply if the spouse is a co-owner.

Nursing Home and Terminal Illness Waivers

Investors have the option of free withdrawals of upto 10% of the annuity’s Accumulated Value; per year, subject to a marginal reduction in interest rates.

IRA, Roth IRA, Nonqualified Account, SEP IRA, SIMPLE IRA, 401(a), etc.

Option to continue with the MYGA for the same guaranteed period after the initial guaranteed period ends, but at the new rates available at that time

Account Value less any withdrawal charges/ MVA

The Aspida WealthLock Multi-Year Guaranteed Annuity (MYGA) is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers nursing home and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses.

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.

The Aspida Synergy Choice MYG Annuity levies no annual contract or administrative fees.

The Aspida Synergy Choice MYGA is designed for conservative investors seeking relatively higher fixed rates than those offered by other companies. Athene achieves this by excluding standard free withdrawals or waivers, allowing it to offer slightly higher rates. However, investors still have the option for free withdrawals, subject to a marginal reduction in interest rates. The product also includes an annuitization (income) option, which converts the annuity investment into a series of periodic income payments, either for a specific period or for the lifetime of the annuitant.

Aspida Advisory MYGA

Aspida WealthLock MYGA

Aspida Synergy Choice MYGA