Synergy Choice 3
Multi-Year Guarantee Annuity
The Synergy Choice 3 is a deferred multi-year guarantee annuity issued by Aspida Life Insurance Company.
This annuity is a premium banded product. The interest rate you earn will vary depending on the amount of premium you deposit (see Rate Details below). Currently, the highest 3 year guarantee period annual yield is 5.25% on premium amounts of $100,000 - $1,000,000. This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The Synergy Choice 3 has a full penalty free withdrawal window after 3 years.
Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.
Aspida Life Insurance Company is rated “A-” by A.M. Best, was founded in 1956, and has over $798 million in total assets.
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Feb 20th, 2024
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3 years
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| Current | Upcoming | |
|---|---|---|
| 3 Year Guarantee Period Annual Yield: | 5.25% | 5.45% |
| Interest rate start of year 1 through end of year 3: | 5.25% | 5.45% |
| Current | Upcoming | |
|---|---|---|
| 3 Year Guarantee Period Annual Yield: | 5.10% | 5.30% |
| Interest rate start of year 1 through end of year 3: | 5.10% | 5.30% |
3 years
3 years
3 years
State variations may exist, refer to product disclosure for details.
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$25,000
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$25,000
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$1,000,000
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$1,000,000
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90
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90
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45 days
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Yes
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No
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No
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No
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See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.
Not available in: CT, ME and NY (as of 01/01/2024)
Base contract provides limited liquidity. The following Optional Withdrawal Features are available to increase liquidity, but will reduce the annual interest rate credited by percentages shown:
Free Interest Withdrawal – 0.10%
10% Free Withdrawal (RMD Friendly) – 0.20%
Description Here
