A.M. Best A rated · 21 products
AuguStar Financial Annuities — A Rated
AuguStar Financial is an A.M. Best A-rated annuity carrier. The current lineup includes 21 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A
A.M. Best
Annuity products
21
21 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 18 FIA product pages, 3 MYGA product pages
- FIA families
- Orbiter Growth, Orbiter Income, OrionShield
- MYGA families
- LunarLock, LunarLock Prime, LunarGuard
- State variants
- Several 9-year and 10-year FIA pages are linked as CA/non-CA filing pairs
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About AuguStar Financial
Overview: AuguStar Financial is the Constellation-backed carrier formerly operating through the Ohio National family, now focused on indexed life and retirement products. For annuity shoppers, the lineup is broad: 21 AuguStar products span fixed indexed annuities and MYGAs, including the Orbiter Growth, Orbiter Income, OrionShield, LunarLock, LunarLock Prime, and LunarGuard families.
Product lineup: The FIA lineup is unusually broad for one carrier. Orbiter Growth and OrionShield are accumulation-first fixed indexed annuities, Orbiter Income is the income-rider branch, and the bonus versions should be compared against the plain versions because the extra crediting story comes with its own tradeoffs. The MYGA side is simpler: LunarLock, LunarLock Prime, and LunarGuard are fixed-rate products for buyers who want a declared guarantee period instead of index-linked crediting.
Notable live products: Current rate data shows LunarLock MYGA at 5.50%, LunarLock Prime at 5.40%, and LunarGuard MYGA at 5.30%. For the indexed products, the live product pages are the right place to compare S&P 500 caps, proprietary participation strategies, premium-bonus versions, and income-rider availability because those mechanics vary sharply by Orbiter and OrionShield version.
Who it may fit: AuguStar may suit buyers who want one carrier with both accumulation-oriented FIAs and guaranteed-rate MYGAs, especially when they are willing to compare several surrender-term and bonus variants. It is less ideal for someone who wants a single simple product choice or who is not prepared to read rider fees, vesting schedules, and state availability before choosing among similar product names.
Financial Strength In Plain English
The current CANNEX rating feed returns A.M. Best A for AuguStar. In plain English, that is a strong claims-paying tier, but it is still a carrier-level rating rather than a guarantee of any product result. AuguStar also publishes A.M. Best A, Fitch A, and Moody's Baa1 financial-strength context for its operating companies, so the strength story is solid, while product selection should still turn on the contract terms, rider costs, and surrender schedule.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Orbiter Growth 5
An accumulation-focused, A-rated, five-year fixed indexed annuity from AuguStar built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies on five-year crediting terms, with no income rider attached.
Open product pageLunarlock MYGA
A multi-year guaranteed annuity from AuguStar Financial (A.M. Best A 'Excellent') offered in 3-, 5-, and 7-year guarantee periods, with a 7-year surrender schedule, no MVA, an annual free-withdrawal allowance at the upper end of the MYGA range, a nursing-home waiver, and a $100,000 minimum premium to qualify for the high-band rate — filed in 49 states plus DC and Puerto Rico (excludes New York).
Open product pageOrbiter Growth 7
An accumulation-focused, A-rated, 7-year fixed indexed annuity from AuguStar Financial built around a no-fee S&P 500 annual point-to-point cap plus an unusually wide menu of proprietary participation-rate and performance-trigger strategies, with optional GAP/EGAP accumulation-protection riders and no income rider attached.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Orbiter Growth
5, 7, 9, 10, and premium-bonus variants
The 9-year and 10-year pages are linked where California and non-California filings split.
Orbiter Income
5, 7, 9, 10
Product-page rows should be used for the optional income-rider detail and withdrawal mechanics.
OrionShield
5, 7, 9, 10, and premium-bonus variants
Bonus and state-filing differences are separated so the rate rows do not blend together.
MYGA Products
LunarLock
MYGA and Prime
Prime is a shorter-surrender alternative, not a state-specific sibling.
LunarGuard
MYGA page
Compare its liquidity and term details directly against LunarLock on the product pages.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A002GV
Orbiter Growth 5
- Coverage
- ARHQ product page
- Current rate
- Available
A002I3
Orbiter Growth 7
- Coverage
- ARHQ product page
- Current rate
- Available
A002I9
Orbiter Growth 7 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A002I5
Orbiter Growth 9
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002I7
Orbiter Growth 10
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IB
Orbiter Growth 9 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002ID
Orbiter Growth 10 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IT
Orbiter Income 5
- Coverage
- ARHQ product page
- Current rate
- Available
A002IV
Orbiter Income 7
- Coverage
- ARHQ product page
- Current rate
- Available
A002IX
Orbiter Income 9
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IZ
Orbiter Income 10
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IF
OrionShield 5
- Coverage
- ARHQ product page
- Current rate
- Available
A002IH
OrionShield 7
- Coverage
- ARHQ product page
- Current rate
- Available
A002IL
OrionShield 7 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
A002IJ
OrionShield 9
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IN
OrionShield 10
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IP
OrionShield 9 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002IR
OrionShield 10 With Premium Bonus
- Coverage
- ARHQ product page
- Current rate
- Available
This product page links to a related state-specific product page when one exists.
View product detailsA002H2
Lunarlock MYGA
- Coverage
- ARHQ product page
- Current rate
- Available
A002HA
Lunarlock Prime
- Coverage
- ARHQ product page
- Current rate
- Available
A002H5
Lunarguard MYGA
- Coverage
- ARHQ product page
- Current rate
- Available
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
AuguStar has multiple California 9-year FIA pages linked to broader 10-year pages. Use the related product link when state availability is the deciding factor.
Premium-bonus versions are separate products, so compare them against the non-bonus page with the surrender and rate rows visible.
Orbiter Income products should be checked on the product page for income-rider rows before quoting payout assumptions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
AuguStar Financial Product Families
Product-list pages carry the full tables, filters, and detail links.
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