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Aspida Synergy Choice MYGA Review
4.5 / 5
Written byAnnuityRatesHQ Editorial TeamPublished February 25, 2024Updated June 22, 20267 min read
Independent editorial review. AnnuityRatesHQ may receive compensation when a reader asks to connect with a licensed professional; compensation does not determine ratings or conclusions. Disclosure
At a glance
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The verdict
4.5/ 5
Overall rating
ARHQ editorial rating, not a recommendation. Methodology
Live rates and contract facts
What it pays, and how the numbers work
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Frequently Asked Questions
What are the current guaranteed interest rates on Aspida Synergy Choice MYGA, and how do they vary by premium and term?
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.
Does Aspida Synergy Choice MYGA charge annual contract or administrative fees, and what is the minimum purchase requirement?
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.
Who is Aspida Synergy Choice MYGA best suited for, and who should consider alternatives?
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.
Educational only, not individualized financial advice or a recommendation. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured. Live tools are illustrative and should be confirmed against a formal carrier illustration before purchase.