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Fixed Indexed Annuity

Synergy Choice Bonus

Aspida

5.75%

Best Cap

0.1%

Free W/D

49

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

5.75% cap on S&P 500

A premium-bonus accumulation fixed indexed annuity from A- rated Aspida Life, filed in 49 states (every US state except New York and North Carolina) as a family of bonus chassis under one productId, built around an S&P 500 annual point-to-point cap plus cap and participation alternatives on the Nasdaq-100, Invesco QQQ Growth, and three proprietary indexes, with no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want tax-deferred accumulation from an A- rated carrier, value a day-one premium bonus that lifts the starting account value, can deposit at least $100,000 to qualify for the high-band crediting rates, are willing to trade longer surrender exposure for a larger bonus, and want a single contract that can express either a recognizable S&P 500 cap or higher-participation exposure to proprietary indexes.

AM Best

A- Excellent

Surrender period

5 years

Free withdrawal

0.1%/yr

Availability

49 jurisdictions (excl. New York, North Carolina)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.5% cap rate

S&P 500

S&P 500 Index

5.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

25% participation rate

S&P 500

S&P 500 Index

23% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

11% cap rate

S&P 500

S&P 500 Index

10.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

S&P 500

S&P 500 Index

38% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

4.75% cap rate

Nasdaq-100

Nasdaq-100 Index

4.5% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

28% participation rate

Nasdaq-100

Nasdaq-100 Index

27% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8% cap rate

Nasdaq-100

Nasdaq-100 Index

7.5% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

36% participation rate

Nasdaq-100

Nasdaq-100 Index

34% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.5% declared rate

Fixed Account

Fixed Account

2.35% declared rate

Rate varies by premium band.

+ 16 volatility-controlled index options (Goldman Sachs, Citi Aria, Invesco QQQ...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium-bonus design — the contract is named for what it does. Aspida files this product as a family of bonus chassis under one productId, where the shorter-surrender chassis pairs a smaller premium bonus with a shorter vesting schedule and the longer-surrender chassis pairs a larger premium bonus with a longer vesting schedule, so a buyer's starting account value steps up from day one rather than waiting on crediting.
  • Buyer chooses among multiple surrender chassis under the same contract — a shorter, more liquid filing and longer filings that pair larger premium bonuses with longer vesting schedules — so the bonus-vs-liquidity trade-off is a live dial inside one product, not a cross-product comparison.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with cap and participation alternatives on the Nasdaq-100 and Invesco QQQ Growth, plus participation strategies on the Goldman Sachs Grand Prix, Goldman Sachs Lexicon Long Short, and Citi Aria proprietary indexes — so the same contract can express either a like-for-like named-index comparison or a higher-participation alternative.
  • Standard accumulation liquidity package is all visible on this page — 10% annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.

What to confirm

  • Premium bonuses are not free money. The bonus is vested over the full surrender period (10-year vesting on the longest-bonus chassis), and bonus FIAs typically price their cap rates and participation rates lower than the carrier's non-bonus filings to fund the bonus. Compare net long-horizon crediting against the carrier's non-bonus accumulation product (Synergy Choice Max, A001MU) before assuming the bonus is a net win — a higher headline bonus with lower ongoing caps can underperform a no-bonus contract over the full surrender term.
  • There is no lifetime-income rider on this contract in the live data. Do not pitch Synergy Choice Bonus as a guaranteed lifetime payout product — the carrier sells a separate income-focused filing for that purpose (Synergy Choice Income, A001UB).
  • Several of the index strategies use proprietary, less-recognizable indexes (Goldman Sachs Grand Prix, Goldman Sachs Lexicon Long Short, Citi Aria). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — each strategy has to be evaluated on its own historical behavior, not on the headline participation number.
  • The contract carries a market-value adjustment on early surrender on top of the surrender charge, and the high-band crediting rates require a $100,000 premium — smaller deposits get materially lower caps and participation on the same strategies, and any surrender beyond the 10% annual free-withdrawal allowance during the surrender window pays a real penalty plus the MVA. Filed in 49 jurisdictions but NOT available in New York or North Carolina. The death benefit is also the standard cash surrender value with no rollup and no step-up, so estate-focused buyers expecting an enhanced death benefit will not find one here.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (no rider here — see the carrier's Synergy Choice Income filing instead), an enhanced death benefit with a rollup or step-up, short-surrender liquidity inside the bonus vesting window, or residency in New York or North Carolina where this contract is not filed. Also not a fit for buyers who would rather compare against the carrier's no-bonus accumulation chassis (Synergy Choice Max) before accepting the bonus-funded rate trade.

All crediting strategies

View rate listings (34 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrender$100,000+

Par: 58% · 1-yr

Citi Aria Index

participation

5-yr surrender$100,000+

Par: 28% · 1-yr

Nasdaq-100 Index

participation

5-yr surrender$100,000+

Par: 25% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 8% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

5-yr surrender$100,000+

Cap: 5.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

cap

5-yr surrender$100,000+

Cap: 4.75% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Fixed: 2.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 205% · 2-yr

Goldman Sachs Grand Prix Index

participation

5-yr surrender$100,000+

Par: 95% · 2-yr

Citi Aria Index

participation

5-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

participation

5-yr surrender$100,000+

Par: 75% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

5-yr surrender$100,000+

Par: 40% · 2-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 36% · 2-yr

Nasdaq-100 Index

participation

5-yr surrender$100,000+

Cap: 11% · 2-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8% · 2-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Par: 135% · 1-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 55% · 1-yr

Citi Aria Index

$100,000+

Par: 27% · 1-yr

Nasdaq-100 Index

$100,000+

Par: 23% · 1-yr

S&P 500 Index

$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Cap: 5.75% · 1-yr

S&P 500 Index

$100,000+

Cap: 4.5% · 1-yr

Nasdaq-100 Index

$100,000+

Cap: 3% · 1-yr

Invesco QQQ Growth Index

$100,000+

Fixed: 2.35% · 1-yr

Fixed Account

$100,000+

Par: 195% · 2-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 90% · 2-yr

Citi Aria Index

$100,000+

Par: 72% · 2-yr

Invesco QQQ Growth Index

$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Par: 38% · 2-yr

S&P 500 Index

$100,000+

Par: 34% · 2-yr

Nasdaq-100 Index

$100,000+

Cap: 10.5% · 2-yr

S&P 500 Index

$100,000+

Cap: 7.5% · 2-yr

Nasdaq-100 Index

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Synergy Choice Bonus review notes

Learn about Aspida Synergy Choice Bonus Fixed Indexed Annuity: rates, costs, riders, and why it may be a good option for your retirement.

4.5/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 5.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

6.4%

Yr 3

4.8%

Yr 4

3.2%

Yr 5

1.6%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

30030-Synergy-Choice-Bonus-Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Synergy Choice Bonus currently shows 34 indexed or fixed crediting options, including S&P 500 Index, with 16 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.5% cap
  • S&P 500 Index: 5.75% cap
  • S&P 500 Index: 25% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 0.1%/yr free withdrawal
  • 5 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 30030-Synergy-Choice-Bonus-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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