Synergy Choice Income
Aspida
7.5%
Best Cap
10%
Free W/D
49
States
A fixed index annuity with a built-in guaranteed lifetime withdrawal benefit that provides principal protection while offering growth potential tied to market indexes and guaranteed income for life.
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 | -- | 80% | -- |
| Citi Aria Index | Annual | -- | 49% | -- |
| Goldman Sachs Grand Prix Index | 2-Year | -- | 185% | -- |
| Goldman Sachs Grand Prix Index | Annual | -- | 140% | -- |
| Goldman Sachs Lexicon Long Short Index | 2-Year | -- | 70% | -- |
| Goldman Sachs Lexicon Long Short Index | Annual | 7.5% | 100% | -- |
| Invesco QQQ Growth Index | 2-Year | -- | 75% | -- |
| Invesco QQQ Growth Index | Annual | 5% | 100% | -- |
| Nasdaq-100 Index | 2-Year | 9% | 100% | -- |
| Nasdaq-100 Index | Annual | 4.25% | 100% | -- |
| S&P 500 Index | 2-Year | 10% | 100% | -- |
| S&P 500 Index | Annual | 5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.5% |
Key Features
Benefit Base Bonus
26%Upfront bonus applied to your benefit base for calculating future income
Roll-Up Rate
12% for first 10 yearsAnnual simple interest credit on benefit base before activation
Minimum Premium
$25,000Lowest initial investment required
Maximum Premium
$2,000,000Highest initial investment accepted
Surrender Charge Period
10 yearsYears before full access without penalties
Free Withdrawals
Up to 10% after year 1Annual penalty-free access to contract value
Enhanced Nursing Home Benefit
200% for single life, 150% for joint lifeIncreased income during nursing home confinement
Highlights
Built-in guaranteed lifetime income rider converts savings into income that lasts for life
26% upfront bonus plus 12% annual roll-up rate for first 10 years on benefit base
Multiple index strategies including innovative Bitcoin and AI-based options
Enhanced nursing home benefit doubles income payments during qualifying confinement
No medical underwriting required - issue ages 40-80
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
Individuals aged 40-80 seeking principal protection with growth potential and guaranteed lifetime income, particularly those wanting upfront bonuses and multiple index options.
Consider Alternatives If
Those needing immediate liquidity or full access to funds within the first 10 years should consider the surrender charge structure carefully.
Carrier Ratings
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