Aspida

DreamPath

A-
Composite 89.8 / 100Range 76–90
Synthetic data
Crediting rates (and possibly some features) are synthetic placeholders pending verification against public sources.
0 of 2 rate segments traced to a public source.
Disclosure only — not part of the composite score.

Strong net value (growth + guarantee) (94) offset by restrictive surrender terms (55).

Best suited for: protection-first buyers who prioritise downside floor.

Methodology v1.5.2 · May 23, 2026 · 0/2 segments verified · 

Contract terms

Flexibility & exit terms

Surrender period7 years
Surrender scheduleY1 9% · Y2 8% · Y3 7% · Y4 6% · Y5 5% · Y6 4% · Y7 3%
Free withdrawal10% per year
Hardship waiversnursing-home, terminal-illness
Scoring segments (term · cap or par · buffer/floor · published weight)
1-year term · S&P 500 capped at 13.0% · 10% buffer · 14% of premium6-year term · S&P 500 at 95% participation · 20% buffer · 86% of premium
Allocation ruleTerm-weighted (longer terms get more)

Allocation choice & historical performance

Pick an allocation; chart updates. Balanced is the published rating.

Regime
GFC stress window (2008-2010) · Balanced allocation
$250,000 starting AV · S&P 500 monthly replay
2008-012008-062008-112009-042009-092010-022010-072010-12$120K$160K$200K$240K$280KStart $250K
Terminal AV
$224,039
After 3 years
Terminal multiple
0.90×
Of starting $250,000
Max drawdown
46.5%
Trough 2009-03
Fees paid (PV)
$0
M&E + rider fees
Fee drag (annualised)
0.0%
PV(fees) ÷ starting AV ÷ years
Single deterministic path. Annual cap/buffer crediting applied year-by-year; intra-year shape interpolated from actual monthly S&P 500 returns.

Standardized scoring scenario details ↗

PV(rider claims)$0
PV(all fees)$0
Terminal AV (p50)$1,541,218.52
Terminal AV (p95)$6,008,785.33
Value delivered (p50)$475,186.44
Advanced details (for advisors)

Each axis runs 0–100. The composite is a weighted average — Net Value 80%, SF / IC / BF 6.67% each (v1.5.2). Net Value itself blends expected growth (65%) with guarantee value (35%). See methodology v1.5.2 for the formulas behind each axis.

💰Net Value94 / 100
How much wealth this contract actually builds for you, after fees
Growth 91Guarantee 100
Net Value = 65% growth + 35% guarantee. Growth 91/100 — Value delivered $475,186 (terminal AV + income drawn). Cohort median $178,897 anchors 50; 3× median anchors 100. Guarantee 100/100 — PV(buffer+floor absorption) / PV(M&E+cap-drag) = 2.36x. Buffer PV $38,410; floor PV $0; cost-base PV $16,246. Closed-form lognormal (μ=7.00%, σ=18.00%, r=4.00%).
🔒Surrender Flexibility55 / 100
How easily you can get your money out
7-yr surrender schedule (max 9.0%); 10% free withdrawal; waivers: nursing-home, terminal-illness.
🏢Insurer Credit69 / 100
How likely the carrier is to pay claims 10–20 years out
AM Best A-; PE-owned; Level 3 assets 30%.
⚖️Behavioral Fairness90 / 100
Track record of treating existing customers fairly
0 major / 0 minor cap-rate cuts in 5yr; NAIC complaints index 0.50; 0 regulatory fines in 5yr.

Reported for transparency — not part of the v1.5.2 composite (TCO weight = 0).

Total Cost of Ownership100 / 100
Annualised explicit fee (M&E + rider): 0.00%. Cohort best: 0.00%; cohort worst: 2.75%.
For the buyer

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