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

The minimum premium amount is $25000.00.

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 80 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 1296802.07% 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

5.79%

Projection Years

30 Years

Account Balance

$531,118.48

Lifetime Income

$35,407.90

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	$197,792
Accumulated Rider Fees	-$0
Final Account Value	$247,792
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$3,750 7.50%	$53,750
3 (57)	$53,750	22.56%	+$4,031 7.50%	$57,781
4 (58)	$57,781	6.27%	+$3,623 6.27%	$61,404
5 (59)	$61,404	31.73%	+$4,605 7.50%	$66,009
6 (60)	$66,009	18.67%	+$4,951 7.50%	$70,960
7 (61)	$70,960	5.25%	+$3,725 5.25%	$74,686
8 (62)	$74,686	16.61%	+$5,601 7.50%	$80,287
9 (63)	$80,287	31.69%	+$6,022 7.50%	$86,309
10 (64)	$86,309	-3.10%	- Floor Protected	$86,309
11 (65)	$86,309	30.47%	+$6,473 7.50%	$92,782
12 (66)	$92,782	7.62%	+$6,959 7.50%	$99,740
13 (67)	$99,740	10.08%	+$7,481 7.50%	$107,221
14 (68)	$107,221	1.32%	+$1,415 1.32%	$108,636
15 (69)	$108,636	37.58%	+$8,148 7.50%	$116,784
16 (70)	$116,784	22.96%	+$8,759 7.50%	$125,543
17 (71)	$125,543	33.36%	+$9,416 7.50%	$134,958
18 (72)	$134,958	28.58%	+$10,122 7.50%	$145,080
19 (73)	$145,080	21.04%	+$10,881 7.50%	$155,961
20 (74)	$155,961	-9.10%	- Floor Protected	$155,961
21 (75)	$155,961	-11.89%	- Floor Protected	$155,961
22 (76)	$155,961	-22.10%	- Floor Protected	$155,961
23 (77)	$155,961	28.68%	+$11,697 7.50%	$167,658
24 (78)	$167,658	10.88%	+$12,574 7.50%	$180,233
25 (79)	$180,233	4.91%	+$8,849 4.91%	$189,082
26 (80)	$189,082	15.79%	+$14,181 7.50%	$203,263
27 (81)	$203,263	5.49%	+$11,159 5.49%	$214,422
28 (82)	$214,422	-37.00%	- Floor Protected	$214,422
29 (83)	$214,422	26.46%	+$16,082 7.50%	$230,504
30 (84)	$230,504	15.06%	+$17,288 7.50%	$247,792

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	40.00%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$233,327
Accumulated Rider Fees	-$0
Final Account Value	$283,327
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$4,310 8.62%	$54,310
3 (57)	$54,310	22.56%	+$4,901 9.02%	$59,211
4 (58)	$59,211	6.27%	+$1,485 2.51%	$60,696
5 (59)	$60,696	31.73%	+$7,704 12.69%	$68,399
6 (60)	$68,399	18.67%	+$5,108 7.47%	$73,508
7 (61)	$73,508	5.25%	+$1,544 2.10%	$75,051
8 (62)	$75,051	16.61%	+$4,986 6.64%	$80,038
9 (63)	$80,038	31.69%	+$10,146 12.68%	$90,183
10 (64)	$90,183	-3.10%	- Floor Protected	$90,183
11 (65)	$90,183	30.47%	+$10,992 12.19%	$101,175
12 (66)	$101,175	7.62%	+$3,084 3.05%	$104,259
13 (67)	$104,259	10.08%	+$4,204 4.03%	$108,462
14 (68)	$108,462	1.32%	+$573 0.53%	$109,035
15 (69)	$109,035	37.58%	+$16,390 15.03%	$125,425
16 (70)	$125,425	22.96%	+$11,519 9.18%	$136,944
17 (71)	$136,944	33.36%	+$18,274 13.34%	$155,218
18 (72)	$155,218	28.58%	+$17,745 11.43%	$172,962
19 (73)	$172,962	21.04%	+$14,557 8.42%	$187,519
20 (74)	$187,519	-9.10%	- Floor Protected	$187,519
21 (75)	$187,519	-11.89%	- Floor Protected	$187,519
22 (76)	$187,519	-22.10%	- Floor Protected	$187,519
23 (77)	$187,519	28.68%	+$21,512 11.47%	$209,031
24 (78)	$209,031	10.88%	+$9,097 4.35%	$218,128
25 (79)	$218,128	4.91%	+$4,284 1.96%	$222,412
26 (80)	$222,412	15.79%	+$14,048 6.32%	$236,460
27 (81)	$236,460	5.49%	+$5,193 2.20%	$241,652
28 (82)	$241,652	-37.00%	- Floor Protected	$241,652
29 (83)	$241,652	26.46%	+$25,576 10.58%	$267,229
30 (84)	$267,229	15.06%	+$16,098 6.02%	$283,327

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	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$8,060 8.06%	$108,060
3 (57)	$108,060	+$8,932 8.27%	$116,992
4 (58)	$116,992	+$5,108 4.37%	$122,100
5 (59)	$122,100	+$12,309 10.08%	$134,409
6 (60)	$134,409	+$10,059 7.48%	$144,468
7 (61)	$144,468	+$5,269 3.65%	$149,737
8 (62)	$149,737	+$10,588 7.07%	$160,325
9 (63)	$160,325	+$16,167 10.08%	$176,492
10 (64)	$176,492	+$0 0.00% Floor Protected	$176,492
11 (65)	$176,492	+$17,465 9.90%	$193,956
12 (66)	$193,956	+$10,042 5.18%	$203,999
13 (67)	$203,999	+$11,684 5.73%	$215,683
14 (68)	$215,683	+$1,988 0.92%	$217,671
15 (69)	$217,671	+$24,538 11.27%	$242,209
16 (70)	$242,209	+$20,278 8.37%	$262,487
17 (71)	$262,487	+$27,690 10.55%	$290,176
18 (72)	$290,176	+$27,866 9.60%	$318,043
19 (73)	$318,043	+$25,438 8.00%	$343,480
20 (74)	$343,480	+$0 0.00% Floor Protected	$343,480
21 (75)	$343,480	+$0 0.00% Floor Protected	$343,480
22 (76)	$343,480	+$0 0.00% Floor Protected	$343,480
23 (77)	$343,480	+$33,209 9.67%	$376,689
24 (78)	$376,689	+$21,671 5.75%	$398,361
25 (79)	$398,361	+$13,133 3.30%	$411,494
26 (80)	$411,494	+$28,229 6.86%	$439,723
27 (81)	$439,723	+$16,352 3.72%	$456,075
28 (82)	$456,075	+$0 0.00% Floor Protected	$456,075
29 (83)	$456,075	+$41,658 9.13%	$497,733
30 (84)	$497,733	+$33,386 6.71%	$531,118

Lifetime Income Projection

Annual Withdrawal	$35,408 Locked for lifetime
Total Withdrawals	$531,118 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$531,118	$35,408Locked AmountPV: $35,408	$35,408
2Payout Year	86	$495,711	$35,408Locked AmountPV: $34,377	$70,816
3Payout Year	87	$460,303	$35,408Locked AmountPV: $33,375	$106,224
4Payout Year	88	$424,895	$35,408Locked AmountPV: $32,403	$141,632
5Payout Year	89	$389,487	$35,408Locked AmountPV: $31,459	$177,039
6Payout Year	90	$354,079	$35,408Locked AmountPV: $30,543	$212,447
7Payout Year	91	$318,671	$35,408Locked AmountPV: $29,654	$247,855
8Payout Year	92	$283,263	$35,408Locked AmountPV: $28,790	$283,263
9Payout Year	93	$247,855	$35,408Locked AmountPV: $27,951	$318,671
10Payout Year	94	$212,447	$35,408Locked AmountPV: $27,137	$354,079
11Payout Year	95	$177,039	$35,408Locked AmountPV: $26,347	$389,487
12Payout Year	96	$141,632	$35,408Locked AmountPV: $25,579	$424,895
13Payout Year	97	$106,224	$35,408Locked AmountPV: $24,834	$460,303
14Payout Year	98	$70,816	$35,408Locked AmountPV: $24,111	$495,711
15Payout Year	99	$35,408	$35,408Locked AmountPV: $23,409	$531,118

Simulation & Edit Mode

Aspida Synergy Choice Income

About this product

Important Disclaimer

Portfolio Analysis

Portfolio Summary

Portfolio Strategy-by-Strategy Analysis

Strategy Performance Comparison

Index Funds

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Lifetime Income Projection

Lifetime Income Projection

Yearly Income Projection

Available Product Policies Details

Accumulation Phase

Annuitization Phase