Aspida is a insurance company with 9 products relevant to estate planning. Life insurance and annuity proceeds transfer directly to named beneficiaries outside of probate, making beneficiary designations one of the most important estate planning steps for Aspida policyholders.

Beneficiary designations at Aspida can be managed online, by mail, and by phone, typically taking 7-10 business days for processing. Trust funding options vary by account type—check with Aspida for specifics.

Aspida has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to manage beneficiaries online, and review 9 account types at Aspida.

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When someone dies

Death claim process

5-step process, 6 required documents, and contact information for survivors.

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Frequently asked questions

Log in to the Aspida Customer Portal at customer.aspida.com or call customer service at (833) 427-7432 to request a beneficiary change form. You can also email ClientSupport@aspida.com. Complete the form with the new beneficiary's full legal name, date of birth, Social Security number, relationship, and percentage allocation. Submit the signed form through the portal or by mail. Allow 7-10 business days for processing. Community property states may require spousal consent.

Aspida Life Insurance Company holds an AM Best Financial Strength Rating of A- (Excellent) with a stable outlook. Aspida Holdings Ltd., the parent company, reported total assets of $27.4 billion as of September 2025. Aspida is backed by Ares Management Corporation, a global alternative investment manager with approximately $596 billion in assets under management. The company manages over $13 billion in annuity assets.

Aspida sells annuities in 49 states and the District of Columbia. New York is excluded from all Aspida annuity products. The DreamPath RILA is additionally unavailable in California, North Carolina, and Oregon. Some other products may also be unavailable in Connecticut. Product availability varies by state. Contact Aspida at (833) 427-7432 or visit aspida.com to confirm availability in your state.

All Aspida annuity products require a minimum premium of $25,000. The maximum premium is $2,000,000; premiums exceeding $2,000,000 may be accepted with prior approval from Aspida. WealthLock products may offer rate bonuses for premiums exceeding $99,999. Contact your financial professional or Aspida at (833) 427-7432 for current rate information.

Aspida is backed by Ares Management Corporation (NYSE: ARES), a global alternative investment manager with approximately $596 billion in assets under management and a market capitalization of $57.4 billion as of December 2025. Ares provides investment management, capital solutions, and corporate development support through Ares Insurance Solutions. Aspida Holdings Ltd. reported total assets of $27.4 billion and invested AUM of $24.3 billion as of September 30, 2025.

Log in to the Aspida Customer Portal at customer.aspida.com. The portal allows you to view your contract details, request beneficiary changes, and manage your account. If you do not have an account, you can register using your contract number. For assistance, call Aspida customer service at (833) 427-7432 or email ClientSupport@aspida.com, Monday through Friday 9:00 AM to 6:00 PM ET.

Yes. A trust can be named as beneficiary on all Aspida annuity products. Log in to the Aspida Customer Portal at customer.aspida.com and click Edit Beneficiary Info to designate a trust as primary or contingent beneficiary. You will need the full legal name of the trust, the date the trust was established, and the trustee name. The beneficiary designation on the annuity contract supersedes any conflicting provisions in a will or trust regarding the annuity proceeds. Contact Aspida customer service at (833) 427-7432 for assistance.

All three are fixed index annuities with principal protection and index-linked growth potential, available in 5-year and 10-year terms. Synergy Choice Max is the base product with no premium bonus. Synergy Choice Bonus adds a premium bonus at issue based on owner age and term length (8% to 15% depending on age and term; capped at 10% in California). Synergy Choice Income includes a built-in Guaranteed Lifetime Withdrawal Benefit (GLWB) rider at no additional charge, converting a portion of contract value into guaranteed lifetime income. All three include nursing home and terminal illness riders.