Synergy Choice Max
Aspida
15%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that protects your principal while offering growth potential tied to market indexes. Choose from multiple crediting strategies with terms from 1-2 years.
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 | -- | 123% | -- |
| Citi Aria Index | Annual | -- | 75% | -- |
| Goldman Sachs Grand Prix Index | 2-Year | -- | 270% | -- |
| Goldman Sachs Grand Prix Index | Annual | -- | 190% | -- |
| Goldman Sachs Lexicon Long Short Index | 2-Year | -- | 105% | -- |
| Goldman Sachs Lexicon Long Short Index | Annual | 15% | 100% | -- |
| Invesco QQQ Growth Index | 2-Year | -- | 98% | -- |
| Invesco QQQ Growth Index | Annual | 13% | 100% | -- |
| Nasdaq-100 Index | 2-Year | 13% | 100% | -- |
| Nasdaq-100 Index | Annual | 8.25% | 100% | -- |
| S&P 500 Index | 2-Year | 15% | 100% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.5% |
Key Features
Premium Range
$25,000 to $2,000,000Single premium payment to start your contract
Surrender Charge Periods
5-year or 10-year optionsChoose how long your money stays invested
Index Options
8 different indexes availableMultiple market indexes to choose from including S&P 500, Nasdaq-100, and specialty indexes
Crediting Strategies
20 total strategies availableDifferent ways to earn interest based on index performance
Principal Protection
100% protectionYour initial investment and earned interest are protected from market losses
Free Withdrawals
Up to 10% annually after year 1Access a portion of your money without penalties
Death Benefit
100% of account valueFull account value plus prorated growth paid to beneficiaries
Highlights
Choose from 20 different crediting strategies, including options tied to popular market indexes like S&P 500 and Nasdaq-100
Your premium is fully protected from market losses while still having upside growth potential
Access up to 10% of your account value annually without penalties after the first year
Completely digital, paperless process for faster applications and contract issuance
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
Investors seeking principal protection with growth potential who can commit funds for 5-10 years and want flexible access options.
Consider Alternatives If
People who need immediate full access to their funds or want guaranteed fixed returns regardless of market performance.
Carrier Ratings
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