Synergy Choice Bonus
Aspida
10%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that provides growth potential tied to market indices while protecting your principal, plus an upfront premium bonus of up to 14% for retirement savers seeking market participation without downside risk.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Citi Aria Index | 2-Year | -- | 95% | -- |
| Citi Aria Index | Annual | -- | 57% | -- |
| Goldman Sachs Grand Prix Index | 2-Year | -- | 180% | -- |
| Goldman Sachs Grand Prix Index | Annual | -- | 140% | -- |
| Goldman Sachs Lexicon Long Short Index | 2-Year | -- | 75% | -- |
| Goldman Sachs Lexicon Long Short Index | Annual | 10% | 100% | -- |
| Invesco QQQ Growth Index | 2-Year | -- | 77% | -- |
| Invesco QQQ Growth Index | Annual | 7% | 100% | -- |
| Nasdaq-100 Index | 2-Year | 9.5% | 100% | -- |
| Nasdaq-100 Index | Annual | 4.75% | 100% | -- |
| S&P 500 Index | 2-Year | 11% | 100% | -- |
| S&P 500 Index | Annual | 5.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.25% |
Key Features
Premium Bonus
8% for 5-year contracts (ages 18-75), 14% for 10-year contracts (ages 18-75)Upfront bonus added to your initial investment
Principal Protection
100% protectionYour initial investment and credited interest are protected from market losses
Free Withdrawals
Up to 10% annually after first yearAccess to your money without penalties
Index Options
20 crediting strategies availableChoose from multiple market indices for growth potential
Contract Terms
5-year or 10-year termsSurrender charge period options
Minimum Investment
$25,000 minimum, $2,000,000 maximumStarting investment amount
Highlights
Premium bonuses up to 14% added to your initial investment at issue
Protection from market losses while participating in market gains through multiple index options
Access to up to 10% of your account value annually without penalties after the first year
Backed by Ares Management Corporation with $623 billion in assets under management
Completely paperless digital platform for fast application and contract processing
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirement savers who want market growth potential with principal protection and can commit funds for 5-10 years.
Consider Alternatives If
Investors who need immediate access to all their funds or want direct market investment exposure.
Carrier Ratings
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