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Product Details
Synergy Choice 5
Company social profile:
Product Name
Synergy Choice 5
Annuity Type
MYGA
Issuing Insurance Company and Ratings
Aspida
Ratings
Product Information
The Synergy Choice 5 is a Single Premium Deferred Fixed annuity with a 5 year surrender charge schedule and an MVA provision. Low Band ($25,000–$99,999): 5.10% guaranteed for 5 years. High Band ($100,000–$2,000,000): 5.25% guaranteed for 5 years. Optional Preferred Interest Free Withdrawal or 10% Free Withdrawal riders available (with charge).
Key Features
Premium Types: Single
Minimum Premium: $25,000
Maximum Premium: $2,000,000
Free Look Period: 21 Days
Rate Lock Period: 45 Days
Rates
Effective Date: 26/01/2026
Initial Guarantee Period: 5 years
Next Change: 03/24/2026
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $100,000+
Current
5 Year Guarantee Period Annual Yield:
5.25%%
Interest rate start of year 1 through end of year 5:
5.25%%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
5 Year Guarantee Period Annual Yield:
5.10%%
Interest rate start of year 1 through end of year 5:
5.10%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NC NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: No
Wait Period Interest Only : 5 Years
Withdraw from the accumulation Value After : 5 Years
Minimum Policy Value : $25,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $100
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 90 years old
State Restrictions: Not available in GU NC NY PR VI
