Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Synergy Choice Income

Aspida

5%

Best Cap

10%

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.

GLWB lifetime payout rate

5.05% lifetime payout

A 10-year fixed indexed annuity built around an optional lifetime-income rider, with index crediting choices spanning the S&P 500, Nasdaq-100, and several engineered indexes.

0.5% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

A pre-retiree planning to defer for several years and then turn on guaranteed lifetime income through a paid rider, with the account-value upside as a secondary goal.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, North Carolina)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

30% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

10% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

36% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

4.25% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

30% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

35% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.75% declared rate

Rate varies by premium band.

+ 8 volatility-controlled index options (Goldman Sachs, Citi Aria, Invesco QQQ...)

Lifetime Income Riders

Income rider

Guaranteed Income Benefit Rider

RMD friendly
Lifetime payout rate5.05% lifetime payout
Annual rider fee0.5% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Optional GLWB rider with a guaranteed annual roll-up plus a one-time income bonus on the withdrawal base.
  • Two rider fee tiers — a lower-cost option for buyers who want less roll-up, a higher-cost option for buyers who want the full income build.
  • S&P 500 and Nasdaq-100 are both available as crediting choices, alongside several engineered indexes.
  • Free nursing-home, terminal-illness, and RMD waivers on the surrender charge.

What to confirm

  • The income rider carries an annual fee charged on the withdrawal base, not the account value — effective cost runs higher than the headline fee suggests.
  • Ten-year surrender schedule with the steepest charges in the first two years — meaningful early-exit cost if plans change.
  • Several of the higher participation rates sit on engineered, volatility-controlled indexes that aren't directly comparable to S&P 500 cap rates.
  • $100,000 minimum for the headline rate band — smaller-premium buyers get a lower fixed crediting rate.

Not ideal for

Buyers who want a plain fixed-rate guarantee with no rider fees, full liquidity, or a shorter surrender period.

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

10-yr surrender$100,000+

Par: 49% · 1-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 30% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 30% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

cap

10-yr surrender$100,000+

Cap: 4.25% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 80% · 2-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrender$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

10-yr surrender$100,000+

Par: 36% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 10% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 9% · 2-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Par: 140% · 1-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 49% · 1-yr

Citi Aria Index

$100,000+

Par: 30% · 1-yr

S&P 500 Index

$100,000+

Par: 30% · 1-yr

Nasdaq-100 Index

$100,000+

Cap: 7.5% · 1-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Cap: 5% · 1-yr

S&P 500 Index

$100,000+

Cap: 5% · 1-yr

Invesco QQQ Growth Index

$100,000+

Cap: 4.25% · 1-yr

Nasdaq-100 Index

$100,000+

Fixed: 2.75% · 1-yr

Fixed Account

$100,000+

Par: 200% · 2-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 80% · 2-yr

Citi Aria Index

$100,000+

Par: 75% · 2-yr

Invesco QQQ Growth Index

$100,000+

Par: 70% · 2-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Par: 36% · 2-yr

S&P 500 Index

$100,000+

Par: 35% · 2-yr

Nasdaq-100 Index

$100,000+

Cap: 10% · 2-yr

S&P 500 Index

$100,000+

Cap: 9% · 2-yr

Nasdaq-100 Index

$100,000+

Income riders

Income rider

Guaranteed Lifetime Income Benefit Rider

RMD friendly
Lifetime withdrawal rate5.05%
Annual rider fee0.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Linked review

Synergy Choice Income review notes

Explore the features, rates, and riders of the Aspida Synergy Choice Income Fixed Indexed Annuity. Is it the right choice for your retirement?

3/5Read 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

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, Qualified

Availability can vary by state and product terms.

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, Surrender waivers

Documents

product guide

30042-Synergy-Choice-Income-Fact-Sheet.pdf

Confidence: highReviewed Apr 3, 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 Income currently shows 17 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index, with 8 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% cap
  • S&P 500 Index: 30% participation
  • S&P 500 Index: 10% cap

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Income Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5.05% withdrawal rate
  • 0.5% rider fee
  • RMD friendly

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.

  • 10%/yr free withdrawal
  • 10 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 30042-Synergy-Choice-Income-Fact-Sheet.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

Free Comparison Report

Get a personalized Synergy Choice Income illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources