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Fixed Indexed Annuity

WealthLock® Income Builder

Aspida

4.75%

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.

GLWB lifetime payout rate

5.3% lifetime payout

An income-led fixed indexed annuity from an A-minus-rated carrier filed in 49 jurisdictions (all states and DC except New York and North Carolina), built around an optional Guaranteed Lifetime Withdrawal Benefit rider and offered in two surrender-term variants (7-year and 10-year) so the contract length can match the buyer's income-start timeline.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers planning around lifetime income who want a documented GLWB withdrawal rate and a roll-up on the income base during deferral, and who can pick between a shorter or longer surrender term to match when income turns on.

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

4.75% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4.25% declared rate

Nasdaq-100

Nasdaq-100 Index

4.5% cap rate

Fixed Account

Fixed Account

2.75% declared rate

+ 9 volatility-controlled index options (Invesco Peak, BofA USA, S&P Global...)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

RMD friendly
Lifetime payout rate5.3% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Income story is concrete: an optional GLWB rider with stated lifetime withdrawal rates and a roll-up on the withdrawal base during deferral — single and joint income are both supported, and the rider is RMD-friendly for qualified money.
  • Crediting menu pairs recognizable annual point-to-point caps on the S&P 500 and Nasdaq-100 with participation-rate strategies on three proprietary volatility-controlled indexes, plus an S&P 500 performance trigger and a fixed-rate bucket — both like-for-like and higher-participation comparisons can be drawn from the same contract.
  • Two surrender-term variants are filed under one product (a shorter-surrender 7-year and a longer-surrender 10-year), letting buyers match the commitment to their income-start timeline rather than being locked into a single chassis length.
  • Standard liquidity package — annual free-withdrawal allowance plus nursing-home, RMD, and terminal-illness surrender waivers — is preserved alongside the income rider rather than traded away for it.

What to confirm

  • The GLWB rider carries an annual fee charged on the withdrawal base, not on the account value — effective cost runs higher than a flat percent of cash value once the base rolls up, and that drag compounds over the deferral years.
  • Three of the index strategies use proprietary volatility-controlled indexes (Invesco Peak II, BofA USA Growth FC 10, S&P Global Diversified). Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own historical behavior.
  • Both filed variants carry a market value adjustment on early surrender on top of the surrender-charge schedule, so buyers who may need full liquidity inside the surrender window face a real penalty layered on the MVA.
  • Death benefit is the standard cash surrender value with no rollup and no step-up, and the contract is not filed in New York or North Carolina — so estate-focused buyers and residents of either state need to look elsewhere.

Not ideal for

Buyers who want pure tax-deferred accumulation without paying a rider fee, need short-surrender liquidity inside the MVA window, want a guaranteed enhanced death benefit, or live in New York or North Carolina (no filing applies in either state).

All crediting strategies

View rate listings (26 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: 100% + Fixed: 4.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 85% · 1-yr

Invesco Peak II Index

participation

10-yr surrender

Par: 85% · 1-yr

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

participation

10-yr surrender

Par: 60% · 1-yr

BofA USA Growth FC 10 Index

participation

10-yr surrender

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Cap: 4.5% · 1-yr

Nasdaq-100 Index

cap

10-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 70% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

10-yr surrender

Par: 70% · 2-yr

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

High Watermark Participation Rate · participation

10-yr surrender

Par: 50% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

10-yr surrender

Par: 100% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate · participation

10-yr surrender

Par: 100% · 5-yr

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

High Watermark Participation Rate · participation

10-yr surrender

Par: 75% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate · participation

10-yr surrender

Par: 100% + Fixed: 4.25% · 1-yr

S&P 500 Index

Par: 85% · 1-yr

Invesco Peak II Index

Par: 85% · 1-yr

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

Par: 60% · 1-yr

BofA USA Growth FC 10 Index

Cap: 4.75% · 1-yr

S&P 500 Index

Cap: 4.5% · 1-yr

Nasdaq-100 Index

Fixed: 2.75% · 1-yr

Fixed Account

Par: 70% · 2-yr

Invesco Peak II Index

High Watermark Participation Rate

Par: 70% · 2-yr

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

High Watermark Participation Rate

Par: 50% · 2-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate

Par: 100% · 5-yr

Invesco Peak II Index

High Watermark Participation Rate

Par: 100% · 5-yr

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

High Watermark Participation Rate

Par: 75% · 5-yr

BofA USA Growth FC 10 Index

High Watermark Participation Rate

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate5.3%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

Minimum guaranteed declared rate: 0.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

WealthLock® Income Builder currently shows 13 distinct indexed or fixed crediting choices across 26 current rate listings, including S&P 500 Index, Nasdaq-100 Index, and Fixed Account, with 9 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: 4.75% cap
  • S&P 500 Index: 100% participation
  • Nasdaq-100 Index: 4.5% cap

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal 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.

  • 5.3% withdrawal rate
  • 1% 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

This page uses the current structured product data returned for the contract. 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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