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Product Details
Synergy Choice Income
Company social profile:
Product Name
Synergy Choice Income
Annuity Type
FIA
Issuing Insurance Company and Ratings
Aspida
Ratings
Product Information
The Synergy Choice Income is a Single Premium Deferred Fixed Indexed annuity with a 10 year surrender charge schedule, multiple indexed strategies, an MVA provision, and a required Synergy Choice Income Guaranteed Lifetime Income Benefit Rider (0.50% fee, 26.00% initial bonus, 12.00% rollup for 10 years).
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: 10 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: $25,000 - $2,000,000
Current
10 Year Guarantee Period Annual Yield:
1.00%%
Interest rate start of year 1 through end of year 10:
1.00%%
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+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $1,000
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): 80 years old
State Restrictions: Not available in GU NC NY PR VI
