--- title: "New 5-Year Synergy Choice™ Bonus FIA: Principal Protection & Growth" description: Discover Aspida's new 5-Year Synergy Choice™ Bonus FIA, offering principal protection, growth opportunities, and a premium bonus for a secure retirement strategy. image: https://synergyannuity.com/hubfs/AI-Generated%20Media/Images/someone%20receiving%20a%20bag%20of%20money%20or%20a%20big%20check.jpeg --- [Skip to content](https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Dec 11, 2024, 1:10:48 PM # New 5-Year Synergy Choice™ Bonus FIA: Principal Protection & Growth ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth) [envelope icon](mailto:?body=https://synergyannuity.com/news-you-can-use/new-5-year-synergy-choice-bonus-fia-principal-protection-growth) Aspida has expanded its Synergy Choice™ Bonus lineup with a shorter-term **5-Year Fixed Indexed Annuity** that offers attractive features for both financial professionals and clients seeking principal protection and growth opportunities. This product is an ideal addition to your portfolio, enabling you to craft tailored retirement strategies that meet diverse client needs. #### Key Product Highlights: - **8% Premium Bonus**: Available up to age 75 (5% for ages 76–85). - **Flexible Issue Ages**: Policies available for clients up to age 85. - **Competitive Commission**: 4.5% street commission for issue ages up to 75. - **Shorter-Term Commitment**: 5-year surrender schedule. - **Access to Diverse Indexing Options**: Includes popular choices like the S&P 500® and Goldman Sachs Grand Prix Index for potential growth opportunities. - **Industry-Leading Service**: Aspida’s exceptional service ensures seamless transactions and support. #### Why Choose the 5-Year Synergy Choice™ Bonus FIA? This product balances **flexibility** and **growth potential** with a **shorter commitment period,** making it an excellent solution for clients who: - Want to capitalize on a **premium bonus** while safeguarding their retirement savings. - Seek opportunities for **deferred growth** with downside protection. - Value **principal security** with upside potential tied to market performance. #### Indexing Strategies and Crediting Options The Synergy Choice™ Bonus 5-Year FIA includes competitive participation rates and cap options on indices like: - **S&P 500®**: 7% 1-Year Cap Rate and 13% 2-Year Cap Rate for premium amounts over $100,000. - **Goldman Sachs Grand Prix Index**: 155% 1-Year Participation Rate and 220% 2-Year Participation Rate for premium amounts over $100,000 #### Tailor Solutions to Your Clients’ Goals With its premium bonus and multiple index choices, this product allows financial professionals to build customized retirement strategies that align with each client’s unique goals, risk tolerance, and time horizon. #### Be Among the First to Offer This Solution Position yourself as a leader in the retirement planning space by introducing this innovative FIA to your clients. Partner with Aspida for competitive products, comprehensive resources, and world-class support.   [FIA](https://synergyannuity.com/news-you-can-use/tag/fia) ## Related posts [![](https://synergyannuity.com/hs-fs/hubfs/AI-Generated%20Media/Images/An%20image%20of%20a%20business%20owner%20discussing%20Controlled%20Executive%20Bonus%20Plans%20with%20an%20insurance%20producer%2c%20highlighting%20the%20benefits%20of%20the%20plan%20for%20both%20em.jpeg?height=200&name=An%20image%20of%20a%20business%20owner%20discussing%20Controlled%20Executive%20Bonus%20Plans%20with%20an%20insurance%20producer%2c%20highlighting%20the%20benefits%20of%20the%20plan%20for%20both%20em.jpeg)](https://synergyannuity.com/news-you-can-use/controlled-executive-bonus-plans-retain-key-employees-with-strategic-benefits) [LTC](https://synergyannuity.com/news-you-can-use/tag/ltc), [Smart Tax Planning](https://synergyannuity.com/news-you-can-use/tag/smart-tax-planning) ## [Controlled Executive Bonus Plans: Retain Key Employees with Strategic Benefits](https://synergyannuity.com/news-you-can-use/controlled-executive-bonus-plans-retain-key-employees-with-strategic-benefits) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Nov 20, 2024, 11:00:00 AM For insurance producers, Controlled Executive Bonus Plans (CEBPs), also known as Section 162 Plans... 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