WealthLock Accumulator
Aspida
11%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that protects your principal while offering growth potential tied to market indices, designed for retirement accumulation with flexible withdrawal options.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BofA USA Growth FC 10 Index | 2-Year | -- | 90% | -- |
| BofA USA Growth FC 10 Index | 5Y | -- | 135% | -- |
| BofA USA Growth FC 10 Index | Annual | -- | 110% | -- |
| Invesco Peak II Index | 2-Year | -- | 110% | -- |
| Invesco Peak II Index | 5Y | -- | 160% | -- |
| Invesco Peak II Index | Annual | -- | 145% | -- |
| iShares Gold Trust | Annual | 11% | 100% | -- |
| iShares MSCI EAFE ETF | Annual | 10% | 100% | -- |
| iShares US Real Estate ETF | Annual | 11% | 100% | -- |
| Nasdaq-100 Index | Annual | 9% | 100% | -- |
| S&P 500 Index | Annual | 9.75% | 100% | -- |
| S&P Global Diversified 7.5% TCA (USD) ER Index | 2-Year | -- | 110% | -- |
| S&P Global Diversified 7.5% TCA (USD) ER Index | 5Y | -- | 160% | -- |
| S&P Global Diversified 7.5% TCA (USD) ER Index | Annual | -- | 145% | -- |
| Fixed Account | Daily | -- | -- | 3.75% |
Key Features
Principal Protection
100% protectionYour initial premium is always protected from market downturns
Free Withdrawals
Up to 10% annuallyWithdraw without penalties after the first year
Index Strategies
19 different strategiesChoose from multiple market-linked crediting options
QuarterLock
4 opportunities per yearAutomatically locks in highest quarterly index values on 2 and 5-year strategies
Minimum Premium
$25,000Starting investment amount
Maximum Premium
$2,000,000Maximum initial investment
Highlights
Principal protection with market-linked growth potential through 19 different index strategies
QuarterLock feature automatically locks in highest quarterly index values to protect against late-term declines
10% annual free withdrawals after first year, plus access for nursing home or terminal illness
Tax-deferred growth with multiple crediting strategies from leading index providers
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 retirement growth with principal protection who want market participation without direct market risk.
Consider Alternatives If
Those needing immediate liquidity or maximum growth potential who can tolerate market losses.
Carrier Ratings
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