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Aspida Synergy Choice MYGA Review

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Withdrawals exceeding the 10% annual free-withdrawal amount, or withdrawals during the first contract year, may be subject to withdrawal charges and may also incur a Market Value Adjustment (MVA). Charges decline by contract year and reach 0% after the surrender charge schedule ends (may vary by state).

None — enhanced liquidity is built into the base contract.

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 apply if your spouse is co-owner.  

 Allows withdrawal of up to 100% of contract value if confined to an eligible nursing home for at least 90 consecutive days any time after the first contract anniversary and eligibility requirements are met; no withdrawal charge or MVA applies if you qualify (cannot be confined on the contract effective date).

 Allows withdrawal of up to 100% of contract value if diagnosed with a terminal illness expected to result in death within one year and eligibility requirements are met; no withdrawal charge or MVA applies if you qualify (available after the first contract anniversary; diagnosis must be after the contract effective date).

After the first contract anniversary, owners may withdraw up to 10% of the contract value each year without withdrawal charges or MVA. Withdrawals during contract year one and amounts above the 10% free amount may be subject to withdrawal charges and MVA.

WealthLock® MYGA Plus is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 2-, 3-, 5-, or 7-year term, during which interest grows tax-deferred. After the first contract anniversary, the policy allows annual penalty-free withdrawals up to 10% of the contract value; withdrawals in the first year and amounts above the 10% free amount may be subject to withdrawal charges and a Market Value Adjustment (MVA). Required Minimum Distributions (RMDs) from tax-qualified IRAs are available after 30 days, even if they exceed the free withdrawal amount. 

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 single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Aspida Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 2-, 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. The product also supports legacy planning by paying the full contract value directly to beneficiaries (typically without probate delays), and it offers access features including penalty-free withdrawals after the first contract anniversary and waiver access for qualifying nursing home confinement or terminal illness.

Withdrawals exceeding the 10% annual free-withdrawal limit after the first contract anniversary, or a full surrender before the end of the guarantee period, are subject to withdrawal charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term, and the contract value becomes fully accessible without withdrawal charges or MVA after the initial guarantee period. Withdrawal charges may vary slightly by state.

Not applicable (no liquidity or optional riders available).

If the owner/annuitant dies before the maturity date, beneficiaries receive the full contract value with no withdrawal charges or MVA applied (special rules apply if spouse is co-owner).

After the first contract anniversary, owners may withdraw up to 10% of the contract value without withdrawal charges or MVA. Withdrawals during the first contract year, withdrawals above the free amount, or surrender prior to the end of the guarantee period may be subject to withdrawal charges and MVA.

Aspida Advisory MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 2-, 3-, 5-, or 7-year term, during which interest grows tax-deferred. After the first contract anniversary, the policy allows annual penalty-free withdrawals up to 10% of the contract value; withdrawals above this amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the guarantee period, the owner has full access to 100% of the contract value free of withdrawal charges and MVA.

At the end of the initial guarantee period, the owner has access to 100% of the contract value free of withdrawal charges and MVA. The brochure also states that after the initial guarantee period ends, the interest rate will change but will not be lower than the minimum guaranteed interest rate stated in the contract.

Equal to the accumulation value minus applicable surrender charges.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Aspida Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 2-, 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it well-suited for conservative savers seeking stable accumulation. With penalty-free access after the first contract year and multiple income options available through annuitization, Aspida Advisory MYGA supports long-term planning with security and flexibility.

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.

If the owner/annuitant dies before the maturity date, named beneficiaries receive the full contract value, with no withdrawal charges or MVA applied (special rules apply if a spouse is co-owner).

 You can withdraw up to 100% of the contract value if confined to an eligible nursing home for at least 90 consecutive days any time after the first contract anniversary and you meet eligibility requirements; no withdrawal charge or MVA applies if you qualify (cannot be confined on the contract effective date).

 You can withdraw up to 100% of the contract value if diagnosed with a terminal illness expected to result in death within one year and you meet eligibility requirements; no withdrawal charge or MVA applies if you qualify (available after the first contract anniversary; diagnosis must be made after the contract effective date).

Up to 10% of the Contract Value may be withdrawn without any withdrawal charges or Market Value Adjustment (MVA) after the first contract anniversary. Withdrawals (other than RMDs) are available beginning year two.

WealthLock® MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period (2, 3, 5, or 7 years). The owner makes a one-time premium payment and interest grows tax-deferred while the contract remains in force. Withdrawals (other than RMDs) are generally available beginning in year two, and after the first contract anniversary the policy permits annual penalty-free withdrawals up to 10% of contract value; withdrawals above that amount may be subject to withdrawal charges and a Market Value Adjustment (MVA). After the initial guarantee period ends, the interest rate will change, but will not be lower than the minimum guaranteed interest rate stated in the contract.

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

After the initial guarantee period ends, the interest rate will change, but will never be lower than the minimum guaranteed interest rate stated in the contract.  

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Aspida Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 2-, 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it well-suited for conservative accumulation planning. The contract also includes penalty-free access features beginning after the first contract anniversary, plus built-in waivers for qualifying nursing home confinement and terminal illness.    

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to withdrawal charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term, and 100% of the contract value becomes free of withdrawal charges and MVA after the initial guarantee period.

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.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by withdrawal charges or MVA, avoiding probate delays and costs.

Allows withdrawal up to 100% of contract value if confined to an eligible nursing home for at least 90 consecutive days any time after the first contract anniversary and eligibility requirements are met; no withdrawal charge or MVA applies if qualified. Confinement cannot exist at issue, and must begin at least one year after contract effective date.

 Allows withdrawal up to 100% of contract value if diagnosed with a terminal illness expected to result in death within one year and eligibility requirements are met; no withdrawal charge or MVA applies if qualified. Available after the first contract anniversary; diagnosis must be made after contract effective date. 

After the first contract year, owners may withdraw up to 10% of the cash/contract value each year without withdrawal charges or MVA. IRA RMD withdrawals required by the IRS may be taken after 30 days even if they exceed the free withdrawal amount.

Synergy Choice™ MYGA is a Single Premium Deferred Fixed annuity that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 2-, 3-, 5-, or 7-year term, during which interest grows tax-deferred at the guaranteed rate for the term selected. Synergy Choice™ MYGA is a Single Premium Deferred Fixed annuity that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 2-, 3-, 5-, or 7-year term, during which interest grows tax-deferred at the guaranteed rate for the term selected. 

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 Multi-Year Guaranteed Annuity (MYGA) issued by Aspida Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 2-, 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation.

Aspida – WealthLock Plus MYGA

Aspida – Advisory MYGA

Aspida – WealthLock MYGA

Aspida – Synergy Choice MYGA