Top 5 by expected wealth built over the standardized 30-year horizon. Best for buyers who can tolerate a buffer breach in exchange for upside.
| # | Product | Carrier | Grade | Growth score | Growth | Guarantee | Best suited for |
|---|---|---|---|---|---|---|---|
| 1 | Index Summit 6 Pro | MassMutual Ascend | A+ | 100 | 100 | 100 | — |
| 2 | Index Advantage+ NF | Allianz | A+ | 100 | 100 | 100 | — |
| 3 | Structured Index Advantage | Transamerica | A+ | 100 | 100 | 100 | — |
| 4 | Index Advantage+ | Allianz | B- | 94 | 94 | 28 | growth-seeking buyers who can tolerate buffer breaches |
| 5 | DreamPath | Aspida | A- | 91 | 91 | 100 | protection-first buyers who prioritise downside floor |
These contracts score highest on the growth half of Net Value — the cohort-relative dollar value delivered to the policyholder (terminal account value plus income drawn) across 5,000 Monte Carlo paths.
Growth score 100/100 — the highest in this list on the growth axis of Net Value. Net Value breakdown: growth 100 · guarantee 100.
See the full rating →Growth score 100/100 — the highest in this list on the growth axis of Net Value. Net Value breakdown: growth 100 · guarantee 100.
See the full rating →Growth score 100/100 — the highest in this list on the growth axis of Net Value. Net Value breakdown: growth 100 · guarantee 100.
See the full rating →Growth score 94/100 — the highest in this list on the growth axis of Net Value. Net Value breakdown: growth 94 · guarantee 28. Best suited for growth-seeking buyers who can tolerate buffer breaches.
See the full rating →Growth score 91/100 — the highest in this list on the growth axis of Net Value. Net Value breakdown: growth 91 · guarantee 100. Best suited for protection-first buyers who prioritise downside floor.
See the full rating →A registered index-linked annuity (RILA) is an insurance contract whose returns are linked to a market index but cushioned by a "buffer" or "floor". The insurer absorbs some of the downside (e.g. the first 10% of losses) in exchange for limiting your upside (a cap or participation rate). The contract is held inside an insurance company's general account, registered with the SEC, and pays the insurer's claims-paying ability — not the index itself — as the ultimate guarantor.
Each product is scored on four sub-scores: Net Value (80% of the composite), Surrender Flexibility, Insurer Strength, and Fair Dealing (6.67% each). Net Value blends a Monte Carlo growth score (cohort-relative dollar value delivered over 30 years) with a closed-form guarantee score (present value of buffer absorption per dollar of cost). The full methodology is published at /methodology and any rating can be re-derived byte-for-byte from the product spec, methodology version, and seed.
These are the five highest-scoring products on the growth score axis as of the current methodology version (v1.5.2). They are: Index Summit 6 Pro, Index Advantage+ NF, Structured Index Advantage, Index Advantage+, DreamPath. The cutoff is mechanical — the next product down was rated below the fifth, full stop. There is no editorial selection.
Every one of the 34 rated RILAs in our universe is listed at /ratings with its full sub-scores and verdict. This page is a sorted view of the same data — not a separate, more-curated catalog.
No. AnnuityVoice does not accept carrier money, affiliate commissions, or lead-generation revenue. The full income-source disclosure is at /how-we-make-money.