Symetra

Trek

C+
Composite 69.3 / 100
Synthetic data
Crediting rates (and possibly some features) are synthetic placeholders pending verification against public sources.
0 of 1 rate segments traced to a public source.
Disclosure only — not part of the composite score.

Mostly solid; strongest in consistent carrier behavior (90), softest in weak net value (growth + guarantee) (66).

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

Methodology v1.5.2 · May 23, 2026 · 0/1 segments verified · 

Contract terms

Flexibility & exit terms

Surrender period5 years
Surrender scheduleY1 7% · Y2 6% · Y3 5% · Y4 4% · Y5 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 8.0% · 10% buffer · 100% of premium

Allocation choice & historical performance

Deterministic S&P 500 monthly replay from $250K premium.

Allocation
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$140K$175K$210K$245K$280KStart $250K
Terminal AV
$208,536
After 3 years
Terminal multiple
0.83×
Of starting $250,000
Max drawdown
43.6%
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)$526,283.02
Terminal AV (p95)$931,528.54
Value delivered (p50)$162,262.88
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 Value66 / 100
How much wealth this contract actually builds for you, after fees
Growth 48Guarantee 100
Net Value = 65% growth + 35% guarantee. Growth 48/100 — Value delivered $162,263 (terminal AV + income drawn). Cohort median $178,897 anchors 50; 3× median anchors 100. Guarantee 100/100 — Closed-form PV(buffer absorption) $100,528 with zero cost base — capped at 100.
🔒Surrender Flexibility75 / 100
How easily you can get your money out
5-yr surrender schedule (max 7.0%); 10% free withdrawal; waivers: nursing-home, terminal-illness.
🏢Insurer Credit83 / 100
How likely the carrier is to pay claims 10–20 years out
AM Best A; not PE-owned; Level 3 assets 18%.
⚖️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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