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Fixed Indexed Annuity

Synergy Choice Max

Aspida

9.75%

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.

S&P 500 annual cap rate

9.75% cap on S&P 500

An accumulation-focused fixed indexed annuity from A- rated Aspida Life, offered in two chassis (a shorter five-year and a longer ten-year), built around an S&P 500 annual point-to-point cap plus participation-rate alternatives on the S&P 500, Nasdaq-100, 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, want the choice between a shorter-liquidity five-year chassis and a longer ten-year chassis that prices the same indexes at higher caps, and who 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

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

9.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

15% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

7.75% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

41% participation rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

12% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

46% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Pure accumulation design with no income rider attached — every basis point of crediting flows to account value rather than rider fees, and the contract is not loaded with an income story it cannot deliver.
  • Buyer chooses between two surrender chassis under the same contract — a shorter, more liquid five-year filing and a longer ten-year filing that prices the same index strategies at higher caps and participation rates.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a one- and two-year participation-rate alternative, plus cap and participation strategies on the Nasdaq-100, Invesco QQQ Growth, and three proprietary indexes — so the same contract can express either a like-for-like S&P comparison or a higher-participation alternative.
  • Standard accumulation liquidity package is all here — 10% annual free-withdrawal allowance plus nursing-home, terminal-illness, and RMD surrender waivers — rather than buried in a brochure.

What to confirm

  • There is no lifetime-income rider on this contract in the live data. Do not pitch Synergy Choice Max as a guaranteed lifetime payout product — the carrier sells a separate income-focused filing for that purpose.
  • Several of the index strategies use proprietary, less-recognizable indexes (Goldman Sachs Grand Prix, Citi Aria, Goldman Sachs Lexicon Long Short). Their participation rates can 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.
  • The longer-surrender chassis is a 10-year commitment with a market value adjustment on early surrender on top of the surrender charge — buyers who may need full liquidity inside that window pay a real penalty even with the 10% annual free withdrawal.
  • Filed in 49 jurisdictions but NOT available in New York or North Carolina — confirm state availability before recommending to buyers in those two states.

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, or residency in New York or North Carolina where this contract is not filed.

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: 190% · 1-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 80% · 1-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 41% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 15% · 1-yr

Goldman Sachs Lexicon Long Short Index

cap

10-yr surrender$100,000+

Cap: 11% · 1-yr

Invesco QQQ Growth Index

cap

10-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 7.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 270% · 2-yr

Goldman Sachs Grand Prix Index

participation

10-yr surrender$100,000+

Par: 130% · 2-yr

Citi Aria Index

participation

10-yr surrender$100,000+

Par: 115% · 2-yr

Goldman Sachs Lexicon Long Short Index

participation

10-yr surrender$100,000+

Par: 100% · 2-yr

Invesco QQQ Growth Index

participation

10-yr surrender$100,000+

Par: 55% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 46% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 15% · 2-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 12% · 2-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Par: 190% · 1-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 80% · 1-yr

Citi Aria Index

$100,000+

Par: 50% · 1-yr

S&P 500 Index

$100,000+

Par: 41% · 1-yr

Nasdaq-100 Index

$100,000+

Cap: 15% · 1-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Cap: 11% · 1-yr

Invesco QQQ Growth Index

$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

$100,000+

Cap: 7.75% · 1-yr

Nasdaq-100 Index

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

$100,000+

Par: 270% · 2-yr

Goldman Sachs Grand Prix Index

$100,000+

Par: 130% · 2-yr

Citi Aria Index

$100,000+

Par: 115% · 2-yr

Goldman Sachs Lexicon Long Short Index

$100,000+

Par: 100% · 2-yr

Invesco QQQ Growth Index

$100,000+

Par: 55% · 2-yr

S&P 500 Index

$100,000+

Par: 46% · 2-yr

Nasdaq-100 Index

$100,000+

Cap: 15% · 2-yr

S&P 500 Index

$100,000+

Cap: 12% · 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 Max review notes

Get an in-depth analysis of the Aspida Synergy Choice Max Fixed Indexed Annuity. Learn about its features, rates, and suitability 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

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

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

30019-Synergy-Choice-Max-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 Max 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: 9.75% cap
  • S&P 500 Index: 50% participation
  • S&P 500 Index: 15% cap

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 30019-Synergy-Choice-Max-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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