Aspida Synergy Choice MYGA Review

Current rates for premiums of $100,000 or more are 4.15% (2-year), 4.95% (3-year), 5.65% (5-year), and 5.70% (7-year). Lower premiums under $100,000 receive slightly reduced rates. These guaranteed rates are locked in for the chosen term and compound daily on a tax-deferred basis. Rates are subject to change based on economic conditions at purchase.

Surrender charges begin at 9% in year one and decline annually: 8% (year 2), 7% (year 3), 6% (year 4), 5% (year 5), 4% (year 6), and 3% (year 7). After the guarantee period ends, charges drop to 0%. Withdrawals exceeding the 10% annual free amount trigger both the surrender charge and a Market Value Adjustment, which can increase or decrease value based on current interest rates.

After the first contract year, you may withdraw up to 10% of the contract value annually without penalty. Synergy Choice also includes full surrender-charge waivers for terminal illness or nursing home confinement, allowing access to the entire contract value under qualifying conditions. Withdrawals above the free amount incur surrender charges and Market Value Adjustment.

Synergy Choice does not charge annual contract or administrative fees; all costs are embedded in the surrender schedule and Market Value Adjustment. The minimum premium is $25,000, with a maximum of $1,000,000; higher amounts may be approved on request. The product is available in 49 states for qualified and non-qualified accounts.

Synergy Choice is ideal for conservative investors prioritizing guaranteed, tax-deferred growth and principal protection over market exposure. It suits those comfortable locking funds for 2–7 years with limited liquidity. Investors seeking higher potential returns, frequent access, or tolerance for market volatility should explore indexed annuities or securities. Rollovers from qualified plans, IRAs, and 403(b)s are supported.