futures contracts included in such underlying indices, among other factors. These fees and costs, which are increased by the Index’s leverage, will reduce the potential positive changes in the Index and increase the potential negative changes in the Index. While the volatility control applied by SG may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls. Invesco Peak Index (the “Index”) is a product of Invesco Indexing LLC. Aspida (the “Company”) has licensed the Index for use in connection with the Contract (the “Aspida Contract”). The Aspida Contract is a product of the Company and are not sponsored, endorsed, sold or promoted by Invesco Ltd., Invesco Indexing LLC, or their respective affiliates and third- party suppliers and licensors (collectively, “Invesco”). Invesco makes no representation or warranty of any kind, express or implied, as to the suitability or appropriateness of any transaction that results in the purchase, exchange or replacement of a Aspida Contract or as to the operation or performance of a Aspida Contract. The Index and all portions thereof are provided “as is” and “as available.” Neither the Index nor the Aspida Contracts are investment securities. Invesco does not provide investment advice to the Company in connection with the Aspida Contracts and does not advise others as to the value of any annuity or the suitability of any annuity transaction. The Franklin Factors US Index (the “Index”) is owned by Franklin Templeton Investments (“Franklin”), is calculated and maintained by S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices, LLC) and is licensed for use by Aspida Life Insurance Company. The Index is not sponsored by S&P Dow Jones Indices, their affiliates or their third party licensors (collectively, “S&P Dow Jones Indices”). Franklin and S&P Dow Jones Indices (collectively, “Index Parties”) will not be liable for any errors, omissions or interruptions in calculating the Index. The Index Parties make no representations or warranties, express or implied and shall have no liability with respect to the adequacy, accuracy, timeliness and/or completeness of the Index. Aspida Life Insurance Company’s products based on the Index are not sponsored, endorsed, sold or promoted by the Index Parties and the Index Parties have no responsibilities, obligations or duties to purchasers of such products. Franklin Templeton ® , Franklin ® , Franklin Factors US Index, and the corresponding logos are trademarks of Franklin. S&P ® is a registered trademark of Standard & Poor’s Financial Services LLC, and Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC Guarantees are backed by the claims-paying ability of Aspida Life Insurance Company (“Aspida”). Annuities are designed for long-term accumulation of money; surrender and withdrawal fees may apply on early withdrawals. Annuity withdrawals are subject to income tax and withdrawals prior to age 59½ may also be subject to an IRS penalty. This piece provides a brief summary of product features. The contract associated with the product will contain the actual terms, definitions, limitations and exclusions that apply. Product features and availability vary by state and are solely the responsibility of Aspida Life Insurance Company. Contract form series ICC22C-FIA1010 and C-FIA1010. The statements and comments offered in this communication are provided as general information and ideas. They are not intended to be, nor should they be relied on as, investment, legal, tax advice or recommendations. Before making a decision or giving advice about any matter contained in this communication, agents or individuals should consult their own attorney, tax or investment advisor. Products and services are underwritten and/or provided by Aspida Life Insurance Company (Administrative Office: Durham, NC), licensed in 49 states (excluding New York) and the District of Columbia. Products and services may not be available in all states. Aspida is the trade name of Aspida Life Insurance Company and its affiliates. Each company is solely responsible for its own financial conditions and contractual obligations. Aspida has enlisted WealthVest Marketing, Inc. to wholesaler its products. WealthVest is an independent financial services marketing and distribution firm specializing in fixed and fixed index annuities. It is not owned by, operated by or part of Aspida Life Insurance Company.
Not FDIC/NCUA insured • May lose value • No bank/credit union guarantee • Not a deposit • Not insured by federal government agency
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