The issuer behind the guarantee.
An annuity guarantee is a promise from one company, sometimes lasting forty years. The product matters less than the balance sheet standing behind it.
| AM Best rating | A- (Excellent), affirmed August 2025 |
|---|---|
| KBRA rating | A-, affirmed June 2025 |
| Backed by | Ares Management ($400B+ alternative assets) |
| Formerly | Global Bankers Insurance Group (rebranded 2021) |
| Headquarters | Charlotte, North Carolina |
| Known products | Synergy Choice MYGA series; FIAs |
Checked against public sources on 19 August 2026. Ratings change without notice — a rating without a date is not a rating.
Three things to understand about Aspida.
Asset-manager ownership cuts both ways, so weigh both
Ares brings institutional investment capability and capital support — the engine behind Aspida's consistently competitive MYGA rates. It also makes Aspida part of the broader private-capital-in-insurance trend regulators and AM Best watch closely, where carrier portfolios lean further into private credit than traditional insurers. Neither fact is disqualifying; together they are the honest description of what funds the rate.
The rebrand matters for your paper trail
Contracts and reviews before 2021 appear under Global Bankers Insurance Group. Same organization, upgraded positioning — the A- rating and Ares scale represent a genuine step up from the earlier era. If you hold an older contract, Aspida is your carrier.
Premium bands drive the quoted rate
Aspida's Synergy Choice series quotes materially different rates at different premium bands — high-band pricing typically requires six figures. When comparing Aspida against rate tables, confirm which band the advertised number requires; a headline rate you cannot access at your premium size is not your rate.
How to read any carrier.
Palm Wealth Capital publishes independent annuity research and education. No carrier pays for placement on this site. Nothing here is individualized investment, tax, or legal advice, and no page on this site is a recommendation to buy or avoid any contract. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company.
Holding an Aspida contract — or being shown one?
Send the illustration or statement. We will check Aspida’s current AM Best rating and outlook against the date on this page, read the surrender schedule and any market value adjustment, price the riders, and tell you what the guaranteed terms are rather than the illustrated ones. If the answer is that you don’t need it, that is the answer you get — there is nothing here for us to sell you.
Carriers buyers weigh against this one.
Evaluating an indexed contract from this carrier? Start with how participation rates, caps, and spreads work — the three numbers that decide what any index year actually credits.