Real-Time Rates

Rates are subject to change.

Aspida Advisory MYGA Effective November 30, 2022

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

4.15%

4.30%

3-Year

5.10%

5.25%

5-Year

5.55%

5.70%

7-Year

5.65%

5.80%

Synergy ChoiceTM MYGA Effective November 30, 2022

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

3.95%

4.10%

3-Year

4.85%

5.00%

5-Year

5.25%

5.40%

7-Year

5.40%

5.55%

Adding any optional feature will decrease the guaranteed rate by the amount(s) below.

Optional Feature

2-Year Rate Adjustment

3-, 5-, 7-Year Rate Adjustment

Free Interest Withdrawal

-0.05%

-0.10%

10% Free Withdrawal

-0.10%

-0.20%

Contract Value Death Benefit

-0.10%

-0.10%

WealthLockSM MYGA Effective November 30, 2022

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

3.70%

3.85%

3-Year

4.60%

4.75%

5-Year

5.10%

5.25%

7-Year

5.25%

5.40%

Synergy ChoiceTM Max Effective November 7, 2022

Interest Crediting Rates

Max 5

Max 10

$25,000 to $99,999

$100,000+1

$25,000 to $99,999

$100,000+1

1-Year Fixed Account Rate

4.90%

5.15%

5.10%

5.35%

S&P 500® 1-Year Point-to-Point Cap Rate

11.50%

12.25%

12.25%

13.00%

S&P 500® 1-Year Point-to-Point Cap Rate with Buy-Up

Current Bailout Cap 1-Year Point-to-Point Rate for S&P 500® Index

14.50%

5.00%

15.25%

5.00%

15.25%

5.00%

16.00%

5.00%

S&P 500® 2-Year Point-to-Point Cap Rate

23.00%

24.50%

24.50%

26.00%

S&P 500® 2-Year Point-to-Point Cap Rate with Buy-Up

29.00%

30.50%

30.50%

32.00%

S&P 500® 1-Year Point-to-Point Participation Rate

43%

46%

47%

50%

S&P 500® 1-Year Point-to-Point Participation Rate with Buy-Up

51%

54%

55%

58%

S&P 500® 2-Year Point-to-Point Participation Rate

55%

60%

60%

65%

S&P 500® 2-Year Point-to-Point Participation Rate with Buy-Up

70%

75%

75%

80%

Citi Aria Index 1-Year Point-to-Point Participation Rate

70%

75%

75%

80%

Citi Aria Index 1-Year Point-to-Point Participation Rate with Buy-Up

90%

100%

95%

105%

Citi Aria Index 2-Year Point-to-Point Participation Rate

130%

140%

135%

150%

Citi Aria Index 2-Year Point-to-Point Participation Rate with Buy-Up

175%

185%

180%

190%

Goldman Sachs Grand Prix Index 1-Year Point-to-Point Participation Rate

135%

150%

145%

155%

Goldman Sachs Grand Prix Index 1-Year Point-to-Point Participation Rate with Buy-Up

185%

195%

190%

205%

Goldman Sachs Grand Prix Index 2-Year Point-to-Point Participation Rate

195%

210%

205%

220%

Goldman Sachs Grand Prix Index 2-Year Point-to-Point Participation Rate with Buy-Up

265%

280%

270%

290%

Additional Resources

Synergy ChoiceTM Bonus Effective November 28, 2022

Interest Crediting Rates

Max 10

$25,000 to $99,999

$100,000+1

1-Year Fixed Account Rate

4.10%

4.35%

S&P 500® 1-Year Point-to-Point Cap Rate

9.25%

10.00%

S&P 500® 1-Year Point-to-Point Cap Rate with Buy-Up

Current Bailout Cap 1-Year Point-to-Point Rate for S&P 500® Index

12.25%

5.00%

13.00%

5.00%

S&P 500® 2-Year Point-to-Point Cap Rate

17.50%

19.00%

S&P 500® 2-Year Point-to-Point Cap Rate with Buy-Up

24.50%

26.00%

S&P 500® 1-Year Point-to-Point Participation Rate

37%

40%

S&P 500® 1-Year Point-to-Point Participation Rate with Buy-Up

47%

50%

S&P 500® 2-Year Point-to-Point Participation Rate

47%

52%

S&P 500® 2-Year Point-to-Point Participation Rate with Buy-Up

60%

65%

Citi Aria Index 1-Year Point-to-Point Participation Rate

50%

55%

Citi Aria Index 1-Year Point-to-Point Participation Rate with Buy-Up

75%

80%

Citi Aria Index 2-Year Point-to-Point Participation Rate

95%

105%

Citi Aria Index 2-Year Point-to-Point Participation Rate with Buy-Up

135%

150%

Goldman Sachs Grand Prix Index 1-Year Point-to-Point Participation Rate

95%

110%

Goldman Sachs Grand Prix Index 1-Year Point-to-Point Participation Rate with Buy-Up

145%

155%

Goldman Sachs Grand Prix Index 2-Year Point-to-Point Participation Rate

135%

155%

Goldman Sachs Grand Prix Index 2-Year Point-to-Point Participation Rate with Buy-Up

205%

220%

Additional Resources

WealthLockSM Accumulator Effective November 7, 2022

Interest Crediting Rates

Accumulator 7

Accumulator 10

$25,000 to $99,999

$100,000+1

$25,000 to $99,999

$100,000+1

S&P 500® 1-Year Point-to-Point Participation Rate

45%

48%

47%

50%

S&P 500® 2-Year Point-to-Point Participation Rate

58%

63%

60%

65%

Invesco Peak Index 1-Year Point-to-Point Participation Rate

130%

145%

135%

150%

Invesco Peak Index 2-Year Point-to-Point Participation Rate

180%

195%

185%

200%

Franklin Factors US Index 1-Year Point-to-Point Participation Rate

135%

145%

140%

150%

Franklin Factors US Index 2-Year Point-to-Point Participation Rate

185%

200%

195%

210%

Franklin Factors US Index 5-Year Point-to-Point Participation Rate

280%

300%

290%

310%

Franklin Factors US Index 5-Year High Water Mark

155%

165%

160%

170%

Janus SG Lighthouse Index 1-Year Point-to-Point Participation Rate

85%

90%

90%

95%

Janus SG Lighthouse Index 2-Year Point-to-Point Participation Rate

115%

125%

120%

130%

S&P 500® 1-Year Point-to-Point Cap Rate

Current Bailout Cap Rate for S&P 500® Index

11.75%

5.00%

12.50%

5.00%

12.25%

5.00%

13.00%

5.00%

S&P 500® 2-Year Point-to-Point Cap Rate

23.50%

25.00%

24.50%

26.00%

1-Year Fixed Account Rate

5.00%

5.25%

5.10%

5.35%

Additional Resources

Footnotes

1 $25,000 premium minimum to $1,000,000 maximum. A premium of more than $1,000,000 may be accepted with prior approval from Aspida.