Real-Time Rates

Rates are subject to change.

Your organization may not offer all products shown.

Aspida Advisory MYGA Effective May 15, 2023

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

4.25%

4.40%

3-Year

5.10%

5.25%

5-Year

5.40%

5.55%

7-Year

5.40%

5.55%

Synergy ChoiceTM MYGA Effective March 30, 2023

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

4.05%

4.20%

3-Year

4.75%

4.90%

5-Year

5.00%

5.15%

7-Year

5.10%

5.25%

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%

WealthLockSM MYGA Effective May 15, 2023

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

3.80%

3.95%

3-Year

4.60%

4.75%

5-Year

4.95%

5.10%

7-Year

5.00%

5.15%

WealthLockSM MYGA Plus Effective May 15, 2023

Guarantee Period

Initial Premium $25,000 to $99,999

Initial Premium $100,000+1

2-Year

3.80%

3.95%

3-Year

4.60%

4.75%

5-Year

4.95%

5.10%

7-Year

5.00%

5.15%

Synergy ChoiceTM Max Effective March 24, 2023

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

4.05%

4.30%

4.25%

4.50%

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

9.25%

10.00%

10.00%

10.75%

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%

12.50%

5.00%

12.50%

5.00%

13.25%

5.00%

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

17.75%

19.75%

20.00%

21.00%

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

24.75%

26.25%

27.25%

28.25%

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

46%

49%

49%

52%

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

57%

61%

60%

63%

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

59%

64%

63%

67%

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

74%

79%

78%

83%

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

90%

95%

95%

100%

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

115%

120%

120%

125%

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

155%

165%

160%

170%

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

200%

210%

205%

212%

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

185%

195%

190%

200%

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

235%

245%

240%

250%

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

255%

270%

260%

275%

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

325%

340%

330%

350%

Additional Resources

Synergy ChoiceTM Bonus Effective March 24, 2023

Interest Crediting Rates

Max 10

$25,000 to $99,999

$100,000+1

1-Year Fixed Account Rate

3.15%

3.40%

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

6.50%

7.75%

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

8.75%

5.00%

10.00%

5.00%

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

13.00%

14.25%

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

17.75%

19.00%

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

37%

41%

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

48%

51.75%

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

48%

53%

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

63%

68%

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

65%

70%

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

90%

100%

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

115%

125%

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

155%

166%

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

135%

145%

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

185%

195%

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

185%

200%

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

255%

270%

Additional Resources

WealthLockSM Accumulator Effective March 24, 2023

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

47%

50%

49%

52%

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

61%

66%

63%

67%

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

180%

190%

190%

200%

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

255%

270%

260%

275%

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

175%

185%

180%

190%

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

245%

260%

250%

270%

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

370%

400%

380%

410%

Franklin Factors US Index 5-Year High Water Mark

200%

215%

210%

220%

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

115%

120%

120%

125%

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

160%

170%

165%

175%

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

Current Bailout Cap Rate for S&P 500® Index

9.50%

5.00%

10.25%

5.00%

10.00%

5.00%

10.75%

5.00%

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

19.75%

20.75%

20.00%

21.00%

1-Year Fixed Account Rate

4.15%

4.40%

4.25%

4.50%

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.