What is the minimum premium amount for Aspida Synergy Choice Income?

The minimum premium amount is $10,000.

What is the maximum premium amount for Aspida Synergy Choice Income?

The maximum premium amount is $1,000,000.

What is the issue age range for Aspida Synergy Choice Income?

The issue age range is 0 to 85 years.

What is the company rating for Aspida Life Insurance Company?

The company rating is A- by AM_BEST.

What are the best rates available for Aspida Synergy Choice Income?

The best available performance strategy is S&P 500 - Participation 40.0% with 742212.63% final earnings.

Aspida Synergy Choice Income - Aspida Life Insurance Company

Simulation & Edit Mode

Active Product: Aspida Synergy Choice Income

Backtesting Notice: All results use historical data (1926-2026) and do NOT guarantee future performance.

You can adjust:

Funding & Timeline: Premium, Ages

Demographics: Zip Code, Gender, Account Type

Aspida Life Insurance Company

A-

Aspida Synergy Choice Income

Provider

Aspida Life Insurance Company

About this product

Fixed Index Annuity product from Aspida Life Insurance Company with various crediting strategies and optional riders.

Important Disclaimer

The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.

Portfolio Average Credit Rate

4.64%

Projection Years

30 Years

Account Balance

$378,820.40

Lifetime Income

$378,820.40

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	4

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	7.50%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$109,406
Accumulated Rider Fees	-$0
Final Account Value	$159,406
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	37.88%	+$3,750 7.50%	$53,750
2 (56)	$53,750	-11.91%	- Floor Protected	$53,750
3 (57)	$53,750	-28.48%	- Floor Protected	$53,750
4 (58)	$53,750	-47.07%	- Floor Protected	$53,750
5 (59)	$53,750	-14.78%	- Floor Protected	$53,750
6 (60)	$53,750	44.08%	+$4,031 7.50%	$57,781
7 (61)	$57,781	-4.71%	- Floor Protected	$57,781
8 (62)	$57,781	41.37%	+$4,334 7.50%	$62,115
9 (63)	$62,115	27.92%	+$4,659 7.50%	$66,773
10 (64)	$66,773	-38.59%	- Floor Protected	$66,773
11 (65)	$66,773	24.55%	+$5,008 7.50%	$71,781
12 (66)	$71,781	-5.18%	- Floor Protected	$71,781
13 (67)	$71,781	-15.09%	- Floor Protected	$71,781
14 (68)	$71,781	-17.86%	- Floor Protected	$71,781
15 (69)	$71,781	12.43%	+$5,384 7.50%	$77,165
16 (70)	$77,165	19.45%	+$5,787 7.50%	$82,952
17 (71)	$82,952	13.80%	+$6,221 7.50%	$89,174
18 (72)	$89,174	30.72%	+$6,688 7.50%	$95,862
19 (73)	$95,862	-11.87%	- Floor Protected	$95,862
20 (74)	$95,862	5.00%	+$4,793 5.00%	$100,655
21 (75)	$100,655	-0.65%	- Floor Protected	$100,655
22 (76)	$100,655	10.46%	+$7,549 7.50%	$108,204
23 (77)	$108,204	21.68%	+$8,115 7.50%	$116,319
24 (78)	$116,319	16.35%	+$8,724 7.50%	$125,043
25 (79)	$125,043	11.78%	+$9,378 7.50%	$134,422
26 (80)	$134,422	-6.62%	- Floor Protected	$134,422
27 (81)	$134,422	45.02%	+$10,082 7.50%	$144,503
28 (82)	$144,503	26.40%	+$10,838 7.50%	$155,341
29 (83)	$155,341	2.62%	+$4,064 2.62%	$159,406
30 (84)	$159,406	-14.31%	- Floor Protected	$159,406

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	40.00%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$169,415
Accumulated Rider Fees	-$0
Final Account Value	$219,415
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	37.88%	+$7,576 15.15%	$57,576
2 (56)	$57,576	-11.91%	- Floor Protected	$57,576
3 (57)	$57,576	-28.48%	- Floor Protected	$57,576
4 (58)	$57,576	-47.07%	- Floor Protected	$57,576
5 (59)	$57,576	-14.78%	- Floor Protected	$57,576
6 (60)	$57,576	44.08%	+$10,151 17.63%	$67,727
7 (61)	$67,727	-4.71%	- Floor Protected	$67,727
8 (62)	$67,727	41.37%	+$11,207 16.55%	$78,934
9 (63)	$78,934	27.92%	+$8,816 11.17%	$87,750
10 (64)	$87,750	-38.59%	- Floor Protected	$87,750
11 (65)	$87,750	24.55%	+$8,617 9.82%	$96,367
12 (66)	$96,367	-5.18%	- Floor Protected	$96,367
13 (67)	$96,367	-15.09%	- Floor Protected	$96,367
14 (68)	$96,367	-17.86%	- Floor Protected	$96,367
15 (69)	$96,367	12.43%	+$4,791 4.97%	$101,158
16 (70)	$101,158	19.45%	+$7,869 7.78%	$109,027
17 (71)	$109,027	13.80%	+$6,017 5.52%	$115,044
18 (72)	$115,044	30.72%	+$14,138 12.29%	$129,182
19 (73)	$129,182	-11.87%	- Floor Protected	$129,182
20 (74)	$129,182	5.00%	+$2,584 2.00%	$131,765
21 (75)	$131,765	-0.65%	- Floor Protected	$131,765
22 (76)	$131,765	10.46%	+$5,513 4.18%	$137,279
23 (77)	$137,279	21.68%	+$11,905 8.67%	$149,183
24 (78)	$149,183	16.35%	+$9,756 6.54%	$158,939
25 (79)	$158,939	11.78%	+$7,489 4.71%	$166,428
26 (80)	$166,428	-6.62%	- Floor Protected	$166,428
27 (81)	$166,428	45.02%	+$29,972 18.01%	$196,400
28 (82)	$196,400	26.40%	+$20,743 10.56%	$217,142
29 (83)	$217,142	2.62%	+$2,273 1.05%	$219,415
30 (84)	$219,415	-14.31%	- Floor Protected	$219,415

Index Fund	RUSSELL_2000
Rate Strategy Type	Cap
Rate	6.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$11,326 11.33%	$111,326
2 (56)	$111,326	+$0 0.00% Floor Protected	$111,326
3 (57)	$111,326	+$0 0.00% Floor Protected	$111,326
4 (58)	$111,326	+$0 0.00% Floor Protected	$111,326
5 (59)	$111,326	+$0 0.00% Floor Protected	$111,326
6 (60)	$111,326	+$14,182 12.74%	$125,508
7 (61)	$125,508	+$0 0.00% Floor Protected	$125,508
8 (62)	$125,508	+$15,541 12.38%	$141,049
9 (63)	$141,049	+$13,475 9.55%	$154,524
10 (64)	$154,524	+$0 0.00% Floor Protected	$154,524
11 (65)	$154,524	+$13,625 8.82%	$168,149
12 (66)	$168,149	+$0 0.00% Floor Protected	$168,149
13 (67)	$168,149	+$0 0.00% Floor Protected	$168,149
14 (68)	$168,149	+$0 0.00% Floor Protected	$168,149
15 (69)	$168,149	+$10,174 6.05%	$178,323
16 (70)	$178,323	+$13,656 7.66%	$191,980
17 (71)	$191,980	+$12,238 6.37%	$204,218
18 (72)	$204,218	+$20,826 10.20%	$225,044
19 (73)	$225,044	+$0 0.00% Floor Protected	$225,044
20 (74)	$225,044	+$7,377 3.28%	$232,420
21 (75)	$232,420	+$0 0.00% Floor Protected	$232,420
22 (76)	$232,420	+$13,062 5.62%	$245,483
23 (77)	$245,483	+$20,020 8.16%	$265,503
24 (78)	$265,503	+$18,480 6.96%	$283,982
25 (79)	$283,982	+$16,867 5.94%	$300,850
26 (80)	$300,850	+$0 0.00% Floor Protected	$300,850
27 (81)	$300,850	+$40,053 13.31%	$340,903
28 (82)	$340,903	+$31,580 9.26%	$372,483
29 (83)	$372,483	+$6,337 1.70%	$378,820
30 (84)	$378,820	+$0 0.00% Floor Protected	$378,820

Lump Sum Payout Option Summary

Lump Sum Amount	$378,820
Calculation Method	Final EOY AV from growth projection No surrender charge