For financial representative use only. Not for use with the general public.

1. The cap and buffer rates are guaranteed not to change over this strategy’s six-year term period.

Index Disclosure: www.aspida.com/indexdisclosures

Prospectus Link: aspida.com/products/RILA

Risk Factors

This material must be preceded or accompanied by a prospectus for Aspida DreamPathSM Annuity, issued by Aspida Life Insurance Company (“Aspida Life”). Aspida DreamPath contract form series ICC24C-RILA1015, ICC24A-4023, et al. and C-RILA1015, A-4023, et al. The contract prospectus contains information about the contract’s features and risks. Please read the prospectus and consider this information carefully before investing. Product availability and features may vary by state. This product is not available for sale in CA, FL, NC, NY, OR & SC. Sales materials are not available for use in ID or ND.

Any values shown within this piece that represent the Contract Value or Strategy Value(s) calculations are an approximation and are meant to show how values may move based on the hypothetical values. Actual values will vary. Please refer to the product prospectus for complete details and information.

The Aspida DreamPath Annuity is a single premium deferred index-linked variable annuity contract with a 6-year surrender charge schedule. The contract does not directly participate in any stock or equity investment. Annuities are not stock investments. The contract offers fixed and Indexed Crediting Rate Strategy options. This annuity is intended for retirements or other long-term investment purposes. The Contract offers various Strategies, which permit Owners to potentially receive interest equal to the percentage returns of certain selected Indices, subject to a specified Cap Rate, Index Participation Rate or Trigger Rate, with certain guarantees against negative returns by utilizing selected Buffer Percentages or Floor Percentages. Unless you allocate your entire single premium payment to the Fixed Account, there is a risk of loss, and this loss may be greater if a withdrawal, death, annuitization, transfer or surrender occurs before the end of a StrategyPeriod. Any gains may be limited and are not guaranteed.

Registered Index-Linked Annuities (RILAs) are complex financial products and are long term investments. Various segment options (1-, 3- and 6-years) are limited. There is a risk of losing principal, and potential losses are subject to contract-specific protection features such as buffers or floors, which can limit—but not eliminate—market losses. Positive returns may be subject to caps or participation rates, meaning your earnings may not match the index’s full performance. RILAs do not provide direct investment in any index or equity and may not offer guaranteed minimum returns. Before purchasing, review all contract options and carefully consider how product features, limits, and fees may affect your investment outcome.

Index Performance is past historical performance of a selected index(es), which is no guarantee or estimate of future results. Actual performance will be more or less than those shown and will depend on a number of factors, including the choice of Strategy Options, and frequency of withdrawals, if any.

For any tax qualified account, e.g. IRA, the tax deferred growth feature is already provided by the tax qualified retirement plan. Therefore, if you are buying a DreamPath Annuity contract to fund a qualified retirement plan or IRA, you should do so for the contract’s features and benefits other than tax deferral. In such cases tax deferral is not an additional benefit of the DreamPath annuity. The tax treatment of death benefit proceeds of an annuity contract differs from the tax treatment of death benefit proceeds of a life insurance policy. Annuity death benefit proceeds are generally taxed at the beneficiary’s ordinary income tax rate while life insurance death benefit proceeds are generally income tax free. Consult your tax advisor to understand the specific implications and requirements related to withdrawals from your account. This information is provided for general information and ideas and should not be considered as investment, legal, tax advice or recommendations.

Guarantees are backed by the claims-paying ability of Aspida Life. 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.

Aspida Life is the trade name for Aspida Life Insurance Company. Securities offered through Aspida Financial Distributors LLC, a broker-dealer, Member FINRA (www.finra.org). Each company is solely responsible for its own financial conditions and contractual obligations.

Aspida Life has enlisted WealthVest Marketing, Inc. to wholesale 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.

Securities brokerage services offered through World Equity Group, Inc. Member FINRA/ SIPC and a Registered Investment Advisor. 425 N. Martingale Road Suite 1220 Schaumburg, IL 60173. www.worldequitygroup.com. WealthVest. Inc. is neither owned nor controlled by World Equity Group, Inc., WealthVest, Inc. and World Equity Group, Inc, are independent companies. The World Equity Group Form CRS can be found here.