Fixed Indexed Annuity

WealthLock Accumulator

Aspida

Best Cap

10%

Free W/D

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% cap on S&P 500

A 10-year-surrender accumulation FIA from an A- rated carrier filed in 49 jurisdictions (all states and DC except New York and North Carolina), built around an S&P 500 cap option plus participation-rate strategies on proprietary volatility-controlled indexes and three sector-ETF caps, with no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want pure tax-deferred accumulation from an A- rated carrier, are comfortable committing for ten years, can deposit at least $100,000 to qualify for the high-band crediting rates, and want a single contract that can express either a recognizable S&P 500 cap, higher-participation exposure to proprietary indexes, or targeted sector-ETF caps.

AM Best

A- Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, North Carolina)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

9% cap rate

Rate varies by premium band.

1-year term

$100,000+

S&P 500

S&P 500 Index

100% participation rate + 7.5% declared rate

Rate varies by premium band.

1-year term

$100,000+

S&P 500

S&P 500 Index

55% participation rate

Rate varies by premium band.

1-year term

$100,000+

Nasdaq-100

Nasdaq-100 Index

8.75% cap rate

Rate varies by premium band.

1-year term

$100,000+

Nasdaq-100

Nasdaq-100 Index

100% participation rate + 7.75% declared rate

Rate varies by premium band.

1-year term

$100,000+

Nasdaq-100

Nasdaq-100 Index

40% participation rate

Rate varies by premium band.

1-year term

$100,000+

Fixed Account

4% declared rate

Rate varies by premium band.

1-year term

$100,000+

+ 12 volatility-controlled index options (Invesco Peak, BofA USA, S&P Global...)

Product analyst notes

How to think about this contract

Why it can stand out

Accumulation-focused design — the contract is named for what it does, with no GLWB rider and no rider fee skimming credited interest, so every basis point of crediting flows into account value.
Crediting menu pairs a recognizable S&P 500 annual cap option with a fixed-rate bucket, three participation-rate strategies on the Invesco Peak II, BofA USA Growth FC 10, and S&P Global Diversified 7.5% TCA proprietary indexes, an S&P 500 performance trigger, and three sector-ETF point-to-point caps (gold, US real estate, MSCI EAFE) — so the same contract can express either a like-for-like S&P comparison, a higher-participation alternative, or a targeted sector view.
Participation-rate strategies on the proprietary indexes are offered in 1-year, 2-year, and 5-year terms with progressively higher participation as the term lengthens — buyers willing to lock crediting longer get rewarded with materially higher rates inside the same contract.
10% annual free-withdrawal allowance with three surrender waivers (nursing home, terminal illness, RMD) plus single-life, joint-life, qualified, and non-qualified availability — flexibility that does not require an add-on rider.

What to confirm

There is no lifetime-income rider on this contract in the live data. Do not pitch it as a guaranteed-lifetime-payout product — if income is the goal, the carrier's sibling WealthLock Income Builder is the rider-led design.
The surrender schedule runs the full ten years and starts steep in the early years before grading down, and the contract also carries a market value adjustment — buyers who may need full liquidity inside the ten-year window pay a real penalty on top of the MVA.
Five of the index strategies use proprietary volatility-controlled or custom indexes (Invesco Peak II, BofA USA Growth FC 10, S&P Global Diversified 7.5% TCA). 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.
Crediting rates step down at premium under $100,000 — the rates shown on this page are the high-band tier; smaller deposits get materially lower caps, participation rates, and fixed rate on the same strategies. New York and North Carolina residents cannot purchase this filing.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (look at the sibling WealthLock Income Builder instead), an enhanced death benefit with a rollup or step-up, short-surrender liquidity inside ten years, or a deposit under $100,000 — none of those are part of this contract's high-band design. New York and North Carolina residents — no filing applies in either state.

All crediting strategies

View rate listings (38 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

Invesco Peak II Index

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

S&P Global Diversified 7.5% TCA (USD) ER Index

participation

10-yr surrender$100,000+

Par: 110% · 1-yr

BofA USA Growth FC 10 Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

Nasdaq-100 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 7.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender$100,000+

Cap: 11% · 1-yr

iShares Gold Trust

cap

10-yr surrender$100,000+

Cap: 10% · 1-yr

iShares MSCI EAFE ETF

cap

10-yr surrender$100,000+

Cap: 9% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 8.75% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender$100,000+

Cap: 8% · 1-yr

iShares US Real Estate ETF

cap

10-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 115% · 2-yr

Invesco Peak II Index