| Feature | Details |
|---|---|
| Product Name | Aspida Aspida Synergy Choice 3 (w/ liquidity) |
| Insurer | Aspida Life Insurance Company |
| Ratings |
|
| Agent/Broker | PlanEasy Inc. |
| Annuity Type | Multi-Year Guaranteed Annuity (MYGA) |
| Term | 3 Years |
| Current Rate for $100,000+ | 4.85% |
| Current Rate for $25,000 - $99,999 | 4.70% |
| Last Rate Change | 5/6/2025, +10bps |
| Interest Type | Compound Interest |
| State Availability | Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming |
| Free Withdrawals |
|
| Free RMDs | Yes |
| Death Benefit | Yes |
| MVA | Yes |
| Nursing Home Waiver | No |
| Terminal Illness Waiver | No |
| Surrender Charge by Year | 9.0%, 8.0%, 7.0% |
| Funding Sources | Personal Investment, Cash, Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Pension |
| Terms Available | 2, 3, 5, 7 Years |
| Age Restrictions | 18 to 90 Years Old |
| Premium Band | Effective Date | Guaranteed 3-Year Yield to Surrender |
|---|---|---|
| $100,000+ | 5/6/2025 | 4.85% |
| 3/18/2025 | 4.75% | |
| 1/21/2025 | 5.05% | |
| 11/13/2024 | 4.95% | |
| $25,000 - $99,999 | 5/6/2025 | 4.70% |
| 3/18/2025 | 4.60% | |
| 1/21/2025 | 4.90% | |
| 11/13/2024 | 4.80% |