DreamPath RILA

Created in 2021 by a group of industry experts, the Aspida Life Insurance Company is an important provider of annuity and retirement planning solutions. A subsidiary of Ares Management Corp., a global alternative investment manager, the company targets the retirement market by offering all sorts of annuities, life insurance, and personalized services to retirees. With a financial strength rating of A- from A.M. Best and Fitch Ratings, the company has been continuously expanding over the last couple years despite being formed quite recently.

Compare this annuity with 827 others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, SIMPLE IRA, 457 plan, and 1035 Exchange

Launch Date

10/20/2025

Your retirement dreams are within reach. With the right plan — and a financial professional by your side — not much can stand in your way. Adding an Aspida DreamPath RILA to your longterm savings strategy may give you the confidence to pursue those dreams.

The Performance Lock Feature
When activated, the Performance Lock allows you to lock in your strategy's end of business day Interim Value, securing any gains and protecting them from potential market volatility until your next contract anniversary. The Performance Lock can only be exercised once during the strategy term period for any given index-linked strategy. Locking in one strategy won’t affect others to which you may also be allocated. Please refer to the prospectus for complete details.

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Nasdaq-100 Dual Direction Trigger Cap with -10% Threshold	Dual Direction Trigger Annual	9% Performance triggered
1-Year S&P 500 Dual Direction Trigger Cap with -10% Threshold	Dual Direction Trigger Annual	10.25% Performance triggered
1-Year MSCI Emerging Markets Dual Direction Trigger Cap with -10% Threshold	Dual Direction Trigger Annual	8% Performance triggered
1-Year Russell 2000 Dual Direction Trigger Cap with -10% Threshold	Dual Direction Trigger Annual	10% Performance triggered
1-Year Fixed Account	Fixed	4% Fixed
6-Year Russell 2000 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	100% Participation
6-Year S&P 500 PTP Cap with 20% Buffer	Point to Point 6-Year	300% Cap
6-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point 6-Year	150% Cap
6-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point 6-Year	100% Cap
6-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	110% Participation
6-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation
3-Year S&P 500 PTP Participation Rate with 20% Buffer	Point to Point Triennial	90% Participation
3-Year S&P 500 PTP Participation Rate with 10% Buffer	Point to Point Triennial	105% Participation
6-Year Russell 2000 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	90% Participation
6-Year S&P 500 PTP Guaranteed Annual Cap with 10% Buffer	Point to Point 6-Year	14% Cap
3-Year Russell 2000 PTP Participation Rate with 10% Buffer	Point to Point Triennial	100% Participation
3-Year Russell 2000 PTP Participation Rate with 20% Buffer	Point to Point Triennial	85% Participation
6-Year Nasdaq-100 PTP Participation Rate with 20% Buffer	Point to Point 6-Year	85% Participation
6-Year Nasdaq-100 PTP Participation Rate with 10% Buffer	Point to Point 6-Year	95% Participation
3-Year Nasdaq-100 PTP Participation Rate with 10% Buffer	Point to Point Triennial	90% Participation
3-Year Nasdaq-100 PTP Participation Rate with 20% Buffer	Point to Point Triennial	80% Participation
6-Year Nasdaq-100 PTP Guaranteed Annual Cap with 10% Buffer	Point to Point 6-Year	13% Cap
1-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point Annual	25% Cap
1-Year Nasdaq-100 PTP Cap with 0% Floor	Point to Point Annual	7.5% Cap
1-Year Nasdaq-100 PTP Cap with 10% Floor	Point to Point Annual	14.25% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Annual	21.5% Cap
1-Year Nasdaq-100 PTP Cap with 20% Buffer	Point to Point Annual	13.5% Cap
1-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Annual	14.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Annual	20.5% Cap
1-Year S&P 500 PTP Cap with 10% Floor	Point to Point Annual	13% Cap
1-Year S&P 500 PTP Cap with 0% Floor	Point to Point Annual	8% Cap
1-Year MSCI Emerging Markets PTP Cap with 20% Buffer	Point to Point Annual	14% Cap
1-Year MSCI Emerging Markets PTP Cap with 10% Buffer	Point to Point Annual	23% Cap
6-Year S&P 500 PTP Cap with 10% Buffer	Point to Point 6-Year	500% Cap
1-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point Annual	15.5% Cap
3-Year Russell 2000 PTP Cap with 20% Buffer	Point to Point Triennial	60% Cap
3-Year Russell 2000 PTP Cap with 10% Buffer	Point to Point Triennial	90% Cap
3-Year S&P 500 PTP Cap with 10% Buffer	Point to Point Triennial	120% Cap
3-Year S&P 500 PTP Cap with 20% Buffer	Point to Point Triennial	40% Cap
3-Year Nasdaq-100 PTP Cap with 20% Buffer	Point to Point Triennial	45% Cap
3-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point Triennial	65% Cap
6-Year Nasdaq-100 PTP Cap with 10% Buffer	Point to Point 6-Year	105% Cap
6-Year Nasdaq-100 PTP Cap with 20% Buffer	Point to Point 6-Year	80% Cap

Surrender schedule

Year	1	2	3	4	5	6
Penalty	7%	7%	6%	5%	4%	3%

Riders

No Riders for DreamPath RILA annuity.

Waivers

Nursing Home

If you should later be confined to a nursing home, you can withdraw up to 100% of your annuity’s contract value. This feature is only available after your first contract anniversary and if you meet the eligibility requirements outlined in your contract.

Terminal Illness

If you should later be confined to a diagnosed with a terminal illness, you can withdraw up to 100% of your annuity’s contract value. This feature is only available after your first contract anniversary and if you meet the eligibility requirements outlined in your contract.

RMD

You can withdraw from your tax-qualified IRA any Required Minimum Distribution (RMD) required by the IRS after 30 days, even if it exceeds the free withdrawal amount.