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:

• Free interest-only withdrawals, or

• 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:

• Terminal illness

• 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:

• Withdraw your funds without penalty

• Renew at a new declared interest rate

• 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:

• Individuals who want guaranteed growth with full principal protection

• Savers looking for a CD alternative that offers tax deferral and better returns

• People who value liquidity features like annual free withdrawals and hardship waivers

• Retirees wanting income flexibility after a short- or mid-term accumulation period

• 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.