--- title: On The Move - December 12, 2023 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- [IAMS Blog](https://blog.iamsinc.com) # [On The Move - December 12, 2023 - Insurance Agency Marketing Services](https://blog.iamsinc.com/on-the-move-dec-12-2023) Written by [Webmaster](https://blog.iamsinc.com/author/webmaster) | Dec 12, 2023 12:41:55 PM #### December 14, 2023 – Effective Date of Change ## Aspida #### Fixed Indexed Annuity **Synergy Choice Bonus 10 25,000+** - 1-Year Fixed Account Rate:  Rate: 3.60% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 7.750%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 12.750%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 47% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 53% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 60% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 83% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 145% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 195% **Synergy Choice Bonus 10 100,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 155% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 90% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 65% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 56% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 50% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 14.250%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 8.500%  - 1-Year Fixed Account Rate:  Rate: 3.85% **Synergy Choice Max 10 25,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 270% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 200% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 90% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 128% - 1-Year Fixed Account Rate:  Rate: 4.75% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10.500%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.500%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 62% **Synergy Choice Max 10 100,000+** - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 65% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 21.000%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.250%  - 1-Year Fixed Account Rate:  Rate: 5.00% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 135% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 95% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 285% **Synergy Choice Max 5 25,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 265% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 85% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 123% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 195% - 1-Year Fixed Account Rate:  Rate: 4.75% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10.500%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.250%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 64% **Synergy Choice Max 5 100,000+** - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 60% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 19.750%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 11.250%  - 1-Year Fixed Account Rate:  Rate: 5.00% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 205% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 130% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 90% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 280% #### MYGA - **Synergy Choice 2 **25,000+  4.70% - **Synergy Choice 2 **100,000+  4.85% - **Synergy Choice 3 **25,000+  5.40% - **Synergy Choice 3 **100,000+  5.55% - **Synergy Choice 5 **25,000+  5.50% - **Synergy Choice 5 **100,000+  5.65% - **Synergy Choice 7 **25,000+  5.50% - **Synergy Choice 7 **100,000+  5.65% ## Athena IA #### MYGA - **Athene Max Rate 3 **10,000+  5.15% - **Athene Max Rate 3 **100,000+  5.40% - **Athene Max Rate 3 (state specific) **10,000+  5.15% - **Athene Max Rate 3 (state specific) **100,000+  5.40% - **Athene Max Rate 5 **10,000+  5.30% - **Athene Max Rate 5 **100,000+  5.55% - **Athene Max Rate 5 (state specific) **10,000+  5.25% - **Athene Max Rate 5 (state specific) **100,000+  5.50% - **Athene Max Rate 7 **10,000+  5.30% - **Athene Max Rate 7 **100,000+  5.55% - **Athene Max Rate 7 (state specific) **10,000+  5.25% - **Athene Max Rate 7 (state specific) **100,000+  5.50 ## Fidelity & Guaranty Life #### MYGA - **FG Guarantee-Platinum 3 **20,000+  5.50% - **FG Guarantee-Platinum 5 **20,000+  5.65% - **FG Guarantee-Platinum 7 **20,000+  5.70% ## Global Atlantic Financial Group #### MYGA - **SecureFore 3 **10,000+  4.95% - **SecureFore 3 **100,000+  5.20% - **SecureFore 5 **10,000+  5.10% - **SecureFore 5 **100,000+  5.35% - **SecureFore 7 **10,000+  5.10% - **SecureFore 7 **100,000+  5.35% ## North American Company #### MYGA - **NAC Guarantee Plus 3 **20,000+  4.85% - **NAC Guarantee Plus 3 **100,000+  5.30% - **NAC Guarantee Plus 5 **20,000+  5.15% - **NAC Guarantee Plus 5 **100,000+  5.40% - **NAC Guarantee Plus 7 **20,000+  5.15% - **NAC Guarantee Plus 7 **100,000+  5.45% #### December 15, 2023 – Effective Date of Change ## Lincoln Financial Group **Lincoln OptiBlend 10 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.000%  - 1-Year Fixed Account:  Rate: 4.25% - 1-Year S&P 500 Participation:  Part Rate 50% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 200% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 285% - 1-Year S&P 500 Performance Triggered :  Cap 8.250%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread :  Spread 0.25%  **Lincoln OptiBlend 10 100,000+** - 1-Year S&P 500 5% Daily Risk Control ER Spread :  - 1-Year S&P 500 Performance Triggered :  Cap 9.000%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 300% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 250% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 225% - 1-Year S&P 500 Participation:  Part Rate 60% - 1-Year Fixed Account:  Rate: 4.75% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 10.000%  **Lincoln OptiBlend 10 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.500%  - 1-Year S&P 500 Participation :  Part Rate 40% - 1-Year Fixed Account:  Rate: 4.00% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 165% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 235% - 1-Year S&P 500 Performance Triggered :  Cap 7.500%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  **Lincoln OptiBlend 10 CA 100,000+** - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  - 1-Year S&P 500 Performance Triggered :  Cap 8.500%  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 260% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 190% - 1-Year Fixed Account:  Rate: 4.35% - 1-Year S&P 500 Participation :  Part Rate 55% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.500%  **Lincoln OptiBlend 5 10,000+** - 1-Year S&P 500 Participation :  Part Rate 50% - 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 165% - 1-Year Fixed Account:  Rate: 4.25% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.250%  - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 260% - 1-Year S&P 500 Performance Triggered :  Cap 8.250%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 5 100,000+** - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  - 1-Year S&P 500 Performance Triggered :  Cap 9.000%  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 285% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 10.250%  - 1-Year Fixed Account:  Rate: 4.75% - 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 190% - 1-Year S&P 500 Participation :  Part Rate 55% **Lincoln OptiBlend 5 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.000%  - 1-Year S&P 500 Participation :  Part Rate 40% - 1-Year Fixed Account:  Rate: 4.00% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 155% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 235% - 1-Year S&P 500 Performance Triggered :  Cap 8.000%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 5 CA 100,000+** - 1-Year S&P 500 5% Daily Risk Control ER Spread:  - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 1-Year S&P 500 Performance Triggered :  Cap 8.500%  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 260% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 210% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 180% - 1-Year Fixed Account:  Rate: 4.35% - 1-Year S&P 500 Participation :  Part Rate 50% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.500%  **Lincoln OptiBlend 7 10,000+** - 1 Year Fidelity AIM Dividend Participation:  Part Rate 165% - 1-Year S&P 500 Participation:  Part Rate 50% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.500%  - 1-Year Fixed Account:  Rate: 4.35% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 260% - 1-Year S&P 500 Performance Triggered :  Cap 8.500%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 7 100,000+** - 1-Year S&P 500 5% Daily Risk Control ER Spread:  - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 1-Year S&P 500 Performance Triggered :  Cap 9.250%  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 285% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1-Year Fixed Account:  Rate: 4.85% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 10.500%  - 1-Year S&P 500 Participation:  Part Rate 60% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 190% **Lincoln OptiBlend 7 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.000%  - 1-Year S&P 500 Participation:  Part Rate 40% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 160% - 1-Year Fixed Account:  Rate: 4.10% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 235% - 1-Year S&P 500 Performance Triggered :  Cap 8.250%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 7 CA 100,000+** - 1-Year S&P 500 5% Daily Risk Control ER Spread:  - 1-Year S&P 500 10% Daily Risk Control with Spread:  - 1-Year S&P 500 Performance Triggered :  Cap 8.750%  - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 260% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 210% - 1-Year Fixed Account:  Rate: 4.45% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 185% - 1-Year S&P 500 Participation:  Part Rate 55% - 1-Year S&P 500 Point-to-Point with Cap:  Cap 10.000%  **Lincoln Set 5 II 10,000+** - Fixed:  Rate: 3.95% - 1 Year S&P 500 7.5 Daily Risk Control Cap:  Cap 12.000%  - 1 Year S&P 500 Performance Triggered:  Cap 7.750%  - 1 Year S&P 500 Cap:  Cap 8.000%  **Lincoln Set 5 II 100,000+** - 1 Year S&P 500 Cap:  Cap 10.000%  - 1 Year S&P 500 Performance Triggered:  Cap 8.750%  - 1 Year S&P 500 7.5 Daily Risk Control Cap:  Cap 15.000%  - Fixed:  Rate: 4.45% #### MYGA - **Lincoln MYGuarantee Plus 5 **10,000+  4.80% - **Lincoln MYGuarantee Plus 5 **100,000+  5.25% - **Lincoln MYGuarantee Plus 7 **10,000+  4.70% - **Lincoln MYGuarantee Plus 7 **100,000+  5.15% [View full post](https://blog.iamsinc.com/on-the-move-dec-12-2023) ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Webmaster" }, "dateModified" : "2025-04-15T17:46:23.583Z", "datePublished" : "2023-12-12T12:41:55Z", "headline" : "On The Move – December 12, 2023", "image" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "mainEntityOfPage" : "https://blog.iamsinc.com/on-the-move-dec-12-2023", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "height" : 60, "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png", "width" : 60 }, "name" : "IAMS Blog" } } ```