AuguStar Financial

Visit Website→

About AuguStar Financial

AuguStar Financial offers 15 annuity products tracked on our platform. Higher guaranteed rates for deposits of $100,000 or more, plus the security of knowing your exact growth rate upfront regardless of market conditions.

Product Lineup

LunarGuard MYGA

Multi-Year Guaranteed

Guaranteed growth every year - no market risk, predictable returns

Guaranteed GrowthRate known upfront for entire term

Free Withdrawals12% annually

Term Options3, 5, or 7 years

Premium Range$10,000 - $2 million

Best for: Conservative investors seeking predictable growth without market risk who can co...

LunarLock Prime

Multi-Year Guaranteed

Guaranteed growth rates for 3-7 years with higher rates for $100K+

Guaranteed Growth Period3-7 years

Tiered RatesUp to 5.10% for $100K+

Market Value Adjustment0.05-0.20% rate boost

Automatic RenewalSame term renewal

Best for: Conservative investors who want guaranteed returns and can commit funds for 3-7 ...

Orbiter Growth 10 with Premium Bonus

Fixed Indexed Annuity

Growth with downside protection for retirement

Downside Protection0% minimum annual return

Premium Bonus Rider5% for 7-year contracts, 10% for 10-year contracts

Enhanced Guaranteed Accumulation Protection (EGAP)2.5-4% annually depending on contract length and allocation

Index Options8 crediting strategies across multiple asset classes

Best for: People nearing retirement or already retired who have assets they can't afford t...

Orbiter Growth 5

Fixed Indexed Annuity

Growth + Protection: Upside without the downside risk

Contractual Floor0% minimum annual loss

Index ParticipationVarious participation rates and caps available

Premium Bonus Rider5-10% of initial premium

EGAP Guarantee2.5-4% annually for 5-10 years

Best for: People nearing retirement or already retired who want growth potential for asset...

Orbiter Growth 5

Fixed Indexed Annuity

Market growth potential with zero downside risk and optional bonus

Market Protection0% minimum return

Premium Bonus5% (7-year) or 10% (10-year)

Index OptionsMultiple crediting strategies

GAP Benefit7% minimum per term

Best for: Retirees or pre-retirees who want growth potential but cannot afford to lose the...

Orbiter Growth 5

Fixed Indexed Annuity

Growth without market loss risk—tax-deferred annuity

Contractual Floor100% principal protection

Premium Bonus Rider5-10% instant boost

Tax Deferral13-33% more growth over 30 years

EGAP Guarantee2.5-4% annual guarantee

Best for: Individuals nearing retirement or already retired who want market-linked growth ...

Orbiter Growth 9 with Premium Bonus

Fixed Indexed Annuity

Market-linked growth with principal protection

Contractual Floor0% minimum return in down markets

Index-Linked GrowthMultiple index options with caps, participation rates, and triggers

Premium Bonus Rider5-10% immediate boost depending on contract length

Enhanced Guaranteed Accumulation Protection (EGAP)2.5%-4% annual guarantee options

Best for: People nearing retirement or already retired who want growth tied to market perf...

Orbiter Income 5

Fixed Indexed Annuity

Market growth potential with guaranteed protection from losses

Floor Protection0% floor

Multiple Index Options

Crediting Strategies

Free WithdrawalsUp to 10% annually

Best for: Best for retirees who want growth potential but cannot afford to lose their prin...

OrionShield 10 with Premium Bonus

Fixed Indexed Annuity

Growth + Protection for Your Retirement

Downside ProtectionContractual floor guarantee

Index-Based GrowthMultiple index strategy options

Premium Bonus Rider5% to 21% bonus based on age

Tax-Deferred Growth33% more growth potential over 30 years

Best for: People at or nearing retirement who have assets they can't afford to lose, want ...

OrionShield 5

Fixed Indexed Annuity

Growth + Protection for Retirement

Downside Protection0% minimum annual return

Upside ParticipationVaries by crediting strategy (participation rates or return caps)

Optional Premium Bonus5-21% bonus at issue

Tax-Deferred Growth+33% more growth over 30 years vs. taxable investments

Best for: People at or nearing retirement who want growth potential but are concerned abou...

OrionShield 5

Fixed Indexed Annuity

Market growth potential with principal protection and tax deferral

Principal Protection0% minimum return

Multiple Index Options6 crediting strategies

Free Withdrawals10% annually

Best for: Individuals at or nearing retirement who want growth potential but cannot afford...

OrionShield 5

Fixed Indexed Annuity

Market growth + downside protection for retirement

Contractual Floor100% principal protection

Index-Based GrowthParticipation in market upside without direct market exposure

Premium Bonus Rider5-21% instant boost, vests over time

Tax-Deferred Growth+13% to +33% more growth over 10-30 years vs. taxable accounts

Best for: This product is ideal for individuals at or nearing retirement, those seeking gr...

OrionShield 7

Fixed Indexed Annuity

Growth + Protection for Retirement

Contractual Floor0% minimum annual return

Index-Based GrowthVariable based on index performance and crediting method

Tax Deferral+13% to +33% more growth over 10-30 years vs. taxable accounts

Premium Bonus (Optional)5% to 21% depending on age and product choice

Best for: People at or nearing retirement who want to grow their essential assets without ...

OrionShield 7 with Premium Bonus

Fixed Indexed Annuity

Growth + Protection for Retirement

Contractual FloorProtected principal + locked-in gains

Index-Linked GrowthVariable return potential (subject to caps or participation rates)

Premium Bonus Rider (Optional)5% to 21% bonus on premium invested

Tax-Deferred GrowthUp to 33% more growth over 30 years vs. taxable investments (hypothetical example)

Best for: Individuals at or near retirement who want to grow their assets without market r...

OrionShield 9 with Premium Bonus

Fixed Indexed Annuity

Market growth with downside protection for retirement

Contractual FloorProtects principal and previously credited interest

Tax-Deferred GrowthCan add 33% more growth over 30 years vs. taxable accounts

Optional Premium Bonus5% to 21% bonus depending on age and product choice

Multiple Crediting StrategiesParticipation rates and caps determine how much index growth you capture

Best for: This product is best for individuals at or nearing retirement who want growth po...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A

Description

Excellent

Effective

May 10, 2024

Rating Agency

Fitch

Rating

A-

Description

Strong

Effective

May 10, 2024

Rating Agency

Moody's

Rating

Baa1

Description

Adequate

Effective

May 10, 2024

AuguStar Financial Products

Fixed Indexed Annuities

Explore AuguStar Financial fixed indexed annuity products with current rates and features.

View Products→

Multi-Year Guaranteed Annuities

Compare AuguStar Financial MYGA products with guaranteed rates and terms.

View Products→

Immediate Annuities (SPIA)

View AuguStar Financial single premium immediate annuity options.

View Products→

Deferred Income Annuities (DIA)

Explore AuguStar Financial deferred income and QLAC products.

View Products→

Free Comparison Report

Get AuguStar Financial's rate comparison report

See how AuguStar Financial's rates, ratings, and product features compare to other carriers — free PDF report.

AuguStar Financial Discussions

Join the conversation

MYGA rates hit 4.65% — Are guaranteed products finally competitive again?

Customer satisfaction drops 6 points while 92% of retirees fear inflation

DIAs vs SPIAs: Why Waiting 2 Years Could Boost Your Payout by 1.5-2%

Athene Aviator FIA: Does 'Simplified' Mean Lower Returns?

From the AdvisorWorld.com Community

Related Resources

Compare Rates

MYGA Guaranteed Rates FIA Cap Rates & Strategies SPIA Income Quotes DIA & QLAC Rates Compare Side by Side Free Comparison Report

AuguStar Financial Products

All 91 Carriers 199 Product Reviews All AuguStar Financial Products

Learn More

What is a Fixed Index Annuity?Indexed Annuity Rates How Annuities Work All Learning Resources