Aspida Synergy Choice Max Fixed Index Annuity – Growth with Downside Protection and Flexibility
Flexible Growth Backed by Principal Protection
At Diversified Insurance Brokers, we’re committed to helping clients protect and grow their retirement assets through carefully selected annuity solutions. The Aspida Synergy Choice Max Fixed Index Annuity, issued by Aspida Life Insurance Company, is designed for individuals who want market-linked growth without sacrificing principal protection.
This annuity stands out for its diverse index crediting options, penalty-free liquidity, and a Bailout Feature that provides additional peace of mind in fluctuating markets.
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Growth Through Indexed Crediting Strategies
The Synergy Choice Max Annuity offers access to a wide array of crediting strategies tied to strong-performing indices, including:
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Citi Aria Index
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Goldman Sachs Grand Prix Index
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Nasdaq-100 Index
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S&P 500 Index
This diversified approach gives policyholders the flexibility to match their annuity allocation to personal risk tolerance and market outlook, with all gains locked in annually and no exposure to market losses.
As with all fixed indexed annuities, growth is tax-deferred, which enhances long-term compounding.
Built-In Liquidity and Bailout Protection
Beginning in the second year, policyholders can take penalty-free withdrawals up to 10% of the accumulation value annually. This offers access to cash without triggering surrender charges, giving you greater control over your retirement income.
One of the most consumer-friendly features is the Bailout Provision. If the S&P 500 annual point-to-point cap drops below a pre-defined level at renewal, you may be eligible to surrender the contract without any penalties—ensuring you’re never locked into an unfavorable rate environment.
Additional Benefits for Life’s Unexpected Events
For qualifying events, the contract includes:
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Nursing Home Waiver
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Terminal Illness Waiver
These waivers allow for penalty-free access to funds during difficult times—ensuring your annuity remains both a growth tool and a safety net.
Legacy and Estate Planning Protection
In the event of the annuitant’s death, the full accumulation value is passed on to beneficiaries, avoiding surrender charges and ensuring that loved ones receive the full benefit of your planning.
Who Should Consider the Synergy Choice Max?
This annuity may be a great fit for:
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Individuals who want growth without market loss
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Retirees needing flexible withdrawal options
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Conservative investors concerned about future rate drops
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IRA or rollover clients looking for accumulation with protection
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Families looking to preserve assets for heirs with full-value death benefits
With strong backing from Ares Management Corporation, Aspida offers both financial strength and modern annuity innovation.
Contact Us Today:
Ready to explore this annuity in more detail — or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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