Synergy Choice MYGA
Aspida
5.4%
Best Rate
49
States
A fixed annuity that guarantees your interest rate for your chosen term while protecting your principal from market losses. Perfect for conservative savers who want steady, predictable growth for retirement.
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 2-Year | 3.85% |
| 3-Year | 4.45% |
| 5-Year | 5.25% |
| 7-Year | 5.4% |
Key Features
Guarantee Periods
2, 3, 5, or 7 yearsChoose how long you want your rate locked in
Premium Range
$25,000 to $2,000,000Minimum and maximum investment amounts
Tax Treatment
100% tax-deferredNo taxes on growth until you make withdrawals
Free Interest Withdrawals
Monthly, quarterly, semi-annual, or annualTake regular payments of earned interest without penalties
10% Free Withdrawals
After first yearAccess up to 10% of your account value each year without penalties
Highlights
Lock in guaranteed interest rates for 2, 3, 5, or 7 years with no market risk
100% tax-deferred growth - pay no taxes on interest until you withdraw
Choose optional withdrawal features: take interest payments or withdraw up to 10% annually without penalties
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Best For
Conservative investors who want guaranteed growth and principal protection for a specific time period before retirement.
Consider Alternatives If
People who need immediate access to their full investment or want growth potential that could beat guaranteed rates.
Carrier Ratings
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