Aspida Synergy Choice MYGA – Flexible, Predictable Growth with Built-In Liquidity
A Modern Take on Fixed Annuity Growth
At Diversified Insurance Brokers, we know today’s retirees want more than just guarantees—they want flexibility, access, and transparency. The Aspida Synergy Choice Multi-Year Guarantee Annuity (MYGA) checks all those boxes while delivering predictable, tax-deferred growth over time.
Issued by Aspida Life Insurance Company, this MYGA offers a fresh approach to traditional fixed annuities. Whether you’re planning short-term or mid-range, the Synergy Choice allows you to lock in a fixed interest rate for 2, 3, 5, or 7 years—with zero market risk.
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Guaranteed Rates. Flexible Access.
Starting with a $25,000 minimum premium, this annuity is ideal for individuals rolling over CDs, reallocating idle funds, or transitioning a portion of their retirement savings into a safer vehicle.
Once you’re past the first contract year, you gain access to:
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Free interest-only withdrawals, or
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Penalty-free withdrawals of up to 10% of your account value annually
If you’re unsure which term and rate structure is best for your financial situation, complete our quick Annuity Quote Request Form and we’ll send tailored rate comparisons based on current offerings.
Additional Safeguards for Life Events
The Synergy Choice MYGA is built with life’s uncertainties in mind. It includes withdrawal charge waivers for:
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Terminal illness
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Nursing home confinement
These features provide access to funds when health circumstances require added financial flexibility. Withdrawals above the penalty-free amount may be subject to a Market Value Adjustment (MVA), depending on interest rate conditions at the time.
Options When Your Term Ends
When your guaranteed period concludes, you’ll have a few clear and client-friendly options:
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Withdraw your funds without penalty
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Renew at a new declared interest rate
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Convert the value into a guaranteed income stream
This built-in flexibility makes the Synergy Choice ideal for both accumulation and income planning, without locking you into a single strategy upfront.
Who This Annuity May Be a Good Fit For
The Aspida Synergy Choice MYGA is best suited for:
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Individuals who want guaranteed growth with full principal protection
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Savers looking for a CD alternative that offers tax deferral and better returns
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People who value liquidity features like annual free withdrawals and hardship waivers
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Retirees wanting income flexibility after a short- or mid-term accumulation period
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Those seeking a safe place to reposition non-qualified or retirement assets
It’s a strong fit for anyone who wants to simplify their retirement savings without sacrificing growth or access.
Talk to an Advisor or Request Your Annuity Quote
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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FAQs: Aspida Synergy Choice Annuity
What is the Aspida Synergy Choice Annuity?
Synergy Choice is a fixed indexed annuity built for long-term accumulation. It provides principal protection, multiple index strategies, and flexible allocation choices designed for steady growth without direct market exposure.
How does Synergy Choice credit interest?
Interest is credited based on the performance of selected indices. The contract may use participation rates, spreads, or multi-year point-to-point designs. Even when an index declines, credited interest cannot be negative.
Does this annuity offer a fixed-rate bucket?
Yes. A guaranteed fixed-interest allocation is typically included, giving savers the option to combine guaranteed growth with index-linked strategies inside the same contract.
What makes Synergy Choice different from other Aspida annuities?
Synergy Choice focuses on accumulation rather than upfront bonuses or income riders. Its strength lies in diversified crediting options and a design that emphasizes long-term, risk-controlled growth.
Can I make withdrawals during the surrender period?
Most versions include an annual penalty-free withdrawal allowance. Withdrawals above this limit may trigger surrender charges and could affect future interest crediting eligibility.
Does Synergy Choice accept IRA rollovers?
Yes. The annuity usually accepts rollovers and transfers from IRAs and employer-sponsored plans. The rollover steps are similar to our Roth IRA transfer guide.
Is lifetime income available?
Income is available through annuitization, and some versions may offer optional riders. However, Synergy Choice is primarily an accumulation-focused product rather than an income-driven design.
What protection do I have against market losses?
Your contract value never declines due to negative market performance. The worst credited interest for a period is zero, not a loss.
What happens when the surrender period ends?
At the end of the surrender period, you gain full liquidity. You may withdraw funds, reposition into new allocations, or move to a different annuity product without penalty.
Who is the Aspida Synergy Choice best suited for?
Synergy Choice is ideal for long-term savers who want principal protection, diversified index strategies, and tax-deferred growth. It works well for those who prefer accumulation-focused designs without added rider costs.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
