Aspida fixed annuity rates

Aspida, founded in 2021 and headquartered in North Carolina, issues 4 fixed annuities in 2 to 7-year terms.

6.05% Top APY

A- AM Best

2021 Founded

Available products

Pick your state to see what's available

Pick your state to see Aspida products available where you live. Filings vary by state.

Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	2-yr	3-yr	5-yr	7-yr	Min
Advisory MYGA	4.50%	5.15%	5.85%	6.05%	$25k	↓
Surrender schedule 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Terminal Illness Waiver · Nursing Home Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
Synergy Choice	4.15%	4.95%	5.65%	5.70%	$25k	↓
Surrender schedule 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
WealthLock MYGA	3.95%	4.75%	5.30%	5.50%	$25k	↓
Surrender schedule 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 is limited to accumulated interest only. Features Terminal Illness Waiver · Nursing Home Waiver · Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
WealthLock MYGA Plus	4.10%	4.80%	5.40%	5.45%	$25k	↓
Surrender schedule 2-yr 9% / 8% 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 is limited to accumulated interest only. Features Terminal Illness Waiver · Nursing Home Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About Aspida

Founded: 2021 North Carolina
AM Best rating: A- What this means
Comdex score: 56 / 100 Composite of AM Best, S&P, Moody's, Fitch.
Phone: +1 (833) 427-7432
Website: aspida.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

The Verification Checklist, printed and mailed.

Before you decide

Let us mail you our Verification Checklist.

It shows you how to check Aspida for yourself — what your state guarantees if the carrier ever fails, what you can take out early and what that costs.

Free. Arrives in about a week.

Featured

Your income for life.

How it works

Featured

Your best guaranteed rate.

Rates & tools

Featured

Every guide, in plain English.

Start here

Featured

How a decision works with us.

GetSure

Aspida fixed annuity rates

Pick your state to see what's available

About Aspida

Let us mail you our Verification Checklist.

Where should we mail it?