Synergy Choice TM Income When it comes to planning for retirement, there are many strategies to help you reach your goals. Synergy Choice Income from Aspida Life Insurance Company can be a valuable part of your retirement portfolio for a number of reasons. 1 Synergy Choice Income has a built-in Guaranteed Lifetime Withdrawal Benefit (GLWB) rider that allows you to create a guaranteed stream of income that can last as long as your retirement. The amount you receive can increase the longer you wait to start income payments. Nursing Home and meet eligibility requirements. 2 3 Having access to your funds can give you the peace-of-mind you need. You can withdraw Increase your lifetime income when you and your family might need it most with the Enhanced Nursing Home Multiplier. Increase your lifetime income withdrawal amount for up to 60 months, or until the Contract Value has been depleted, if you are confined to a up to 10% of your contract value each year free of surrender charges – after the first year of your contract – to help cover the unexpected. You can also withdraw from your tax-qualified IRA any RMD required by the IRS after 30 days, even if it exceeds the free withdrawal amount. Prior to the rider’s activation, all withdrawals and RMDs will proportionally reduce your rider’s future income. 5 Finally, if the unexpected does occur, knowing where your money goes is important. Our Synergy Choice Income can give you the security you need in case something were to happen to you. The death benefit pays the full account value plus a prorated portion of any index growth from the current crediting period directly to your beneficiaries without the delays and costs associated with probate, letting your family focus on the things that matter most. 4 A fixed index annuity gives you the potential to earn interest in two different ways. You can earn interest based on your choice of several index options, or you can choose to receive fixed interest.
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