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Fixed Indexed Annuity

Observatory Accumulation 10

AuguStar Financial

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9.25%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 15, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Observatory Accumulation 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$298,058
Est. value at age 80 (Observatory Accumulation 10)
9.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.25% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Observatory Accumulation 10's published cap rate (8.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Observatory Accumulation 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Observatory Accumulation 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this AuguStar Financial product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

9.25% cap on S&P 500

A long-term AuguStar accumulation FIA pairing S&P 500 annual caps with fixed, trigger, proprietary-index, and packaged allocation choices, without a lifetime-income rider.

1-year term10-year surrender$150,000+AdvisorWorld + CANNEX data

Best fit

Long-horizon accumulation buyers who want a recognizable annual cap plus a broad set of alternative crediting and allocation choices and can remain invested through the surrender term.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.25% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Alpha 20 — 20% allocation

12% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

S&P 500

S&P 500 Index

Alpha 40 — 40% allocation

10% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

S&P 500

S&P 500 Index

6.6% trigger rate

Performance trigger

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Cap

6.75% cap rate

Annual cap

10-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Trigger

100% participation rate + 5.6% declared rate

Participation

10-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

4.05% declared rate

Fixed account

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

+ 37 additional crediting options (Barclays Global, US Multi-Asset, US Daily...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The crediting menu combines recognizable S&P 500 annual caps with fixed, performance-trigger, and proprietary-index participation choices.
  • Named allocation models offer diversified combinations of index strategies for buyers who prefer a packaged allocation approach.
  • Premium-banded crediting choices reward larger deposits without changing the contract's accumulation-only purpose.

What to confirm

  • The surrender commitment is long, so withdrawals above the penalty-free allowance can face contract charges during the surrender period.
  • Caps inside named allocation models apply only to their assigned S&P allocations; they are not whole-account caps and remain separate from the stand-alone headline.
  • This is an accumulation contract with no optional lifetime-income rider; buyers needing contractual lifetime withdrawals should compare an income-focused FIA instead.

Not ideal for

Buyers seeking guaranteed lifetime withdrawals, short-window liquidity, or a single fixed rate that can be compared like a MYGA.

Free Comparison Report

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See how Observatory Accumulation 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (49 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 9.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$150,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

trigger

10-yr surrender$150,000+

Fixed: 4.35% · 1-yr

Fixed Account

fixed

10-yr surrender$150,000+

Par: 163% · 10-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrender$150,000+

Par: 159% · 10-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrender$150,000+

Par: 142% · 10-yr

Barclays Global Trailblazer Index

participation

10-yr surrender$150,000+

Par: 103% · 10-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrender$150,000+

Par: 100% + Declared: 6.6% · 10-yr

S&P 500 Index

Guaranteed Trigger · trigger

10-yr surrender$150,000+

Par: 100% + Declared: 6.6% · 10-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrender$150,000+

Par: 100% + Declared: 6.75% · 10-yr

US Balanced Asset 10 Index

trigger

10-yr surrender$150,000+

Par: 83% · 10-yr

US Balanced Asset 10 Index

participation

10-yr surrender$150,000+

Par: 69% · 10-yr

US Daily Risk Managed 12 Index

participation

10-yr surrender$150,000+

Cap: 7.75% · 10-yr

S&P 500 Index

Guaranteed Cap · cap

10-yr surrender$150,000+

Par: 189% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha Max — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 185% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha Max — 25% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 164% · 1-yr

Barclays Global Trailblazer Index

Alpha Max — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 150% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 20 — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 150% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 40 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 146% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 20 — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 146% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 40 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 130% · 1-yr

Barclays Global Trailblazer Index

Alpha 20 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 130% · 1-yr

Barclays Global Trailblazer Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 119% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha Max — 25% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 97% · 1-yr

US Balanced Asset 10 Index

Alpha Max — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 94% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 20 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 94% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 40 — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 80% · 1-yr

US Daily Risk Managed 12 Index

Alpha Max — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 76% · 1-yr

US Balanced Asset 10 Index

Alpha 20 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 76% · 1-yr

US Balanced Asset 10 Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 63% · 1-yr

US Daily Risk Managed 12 Index

Alpha 20 — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 63% · 1-yr

US Daily Risk Managed 12 Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Cap: 12% · 1-yr

S&P 500 Index

Alpha 20 — 20% allocation · cap

10-yr surrenderUp to $149,999.99

Cap: 10% · 1-yr

S&P 500 Index

Alpha 40 — 40% allocation · cap

10-yr surrenderUp to $149,999.99

Cap: 8.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Trigger: 6.6% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $149,999.99

Fixed: 4.05% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Par: 150% · 10-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 146% · 10-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 130% · 10-yr

Barclays Global Trailblazer Index

participation

10-yr surrenderUp to $149,999.99

Par: 100% + Declared: 5.6% · 10-yr

S&P 500 Index

Guaranteed Trigger · trigger

10-yr surrenderUp to $149,999.99

Par: 100% + Declared: 6.05% · 10-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrenderUp to $149,999.99

Par: 100% + Declared: 6.2% · 10-yr

US Balanced Asset 10 Index

trigger

10-yr surrenderUp to $149,999.99

Par: 94% · 10-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 76% · 10-yr

US Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 63% · 10-yr

US Daily Risk Managed 12 Index

participation

10-yr surrenderUp to $149,999.99

Cap: 6.75% · 10-yr

S&P 500 Index

Guaranteed Cap · cap

10-yr surrenderUp to $149,999.99

Rate not shown · 10-yr

Alpha 20

Alpha 20 · Allocation model

Up to $149,999.99

Rate not shown · 10-yr

Alpha 40

Alpha 40 · Allocation model

Up to $149,999.99

Rate not shown · 10-yr

Alpha Max

Alpha Max · Allocation model

Up to $149,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Observatory Accumulation 10

● Can I lose money in Observatory Accumulation 10?

A negative index return by itself does not reduce the contract's account value: Observatory Accumulation 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Observatory Accumulation 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Observatory Accumulation 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA
S&PA-
Moody'sBaa1

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Observatory Accumulation 10 currently shows 45 distinct indexed or fixed crediting choices across 49 displayed rate-table rows, including S&P 500 Index, with 35 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.25% annual cap
  • S&P 500 Index: 12% annual cap, Alpha 20 — 20% allocation
  • S&P 500 Index: 10% annual cap, Alpha 40 — 40% allocation
  • S&P 500 Index: 9.25% annual cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product data returned for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Observatory Accumulation 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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