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Fixed Indexed Annuity

Observatory Accumulation 5

AuguStar Financial

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8.75%

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 5 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
$290,562
Est. value at age 80 (Observatory Accumulation 5)
8.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.75% 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 5's published cap rate (7.75% 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 5 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 5

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

8.75% cap on S&P 500

A short-surrender AuguStar accumulation FIA with a no-fee one-year S&P 500 cap, premium-banded rates, and a broad mix of indexed choices.

1-year term5-year surrender$150,000+AdvisorWorld + CANNEX data

Best fit

Growth-focused buyers who want a shorter FIA surrender commitment, a recognizable annual cap for comparison, and several alternative crediting approaches.

AM Best

A Excellent

Surrender period

5 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

7.75% cap rate

Annual cap

1-year term · 5-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Alpha 20 — 20% allocation

11.5% cap rate

Annual cap

1-year term · 5-year surrender · Up to $150,000

S&P 500

S&P 500 Index

Alpha 40 — 40% allocation

9.5% cap rate

Annual cap

1-year term · 5-year surrender · Up to $150,000

S&P 500

S&P 500 Index

6.1% trigger rate

Performance trigger

1-year term · 5-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Cap

6.25% cap rate

Annual cap

5-year term · 5-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Guaranteed Trigger

100% participation rate + 5.1% declared rate

Participation

5-year term · 5-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

4.05% declared rate

Fixed account

1-year term · 5-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

  • A relatively short surrender chassis combines a fixed account with annual S&P 500 choices and a broad menu of proprietary-index strategies.
  • Premium-banded strategy rows let larger deposits access a separate live rate tier without changing the underlying contract design.

What to confirm

  • Withdrawals above the penalty-free allowance can face surrender charges during the contract's surrender period.
  • Several choices use multi-year terms, proprietary indexes, triggers, or blended allocations, so their published rates are not directly comparable with the one-year S&P 500 cap.

Not ideal for

Buyers seeking a contractual lifetime-income rider, immediate full liquidity, or a simple declared-rate product without index and allocation mechanics.

Free Comparison Report

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See how Observatory Accumulation 5 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: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$150,000+

Trigger: 7.1% · 1-yr

S&P 500 Index

trigger

5-yr surrender$150,000+

Fixed: 4.45% · 1-yr

Fixed Account

fixed

5-yr surrender$150,000+

Par: 164% · 5-yr

US Multi-Asset Risk Managed 5 Index

participation

5-yr surrender$150,000+

Par: 164% · 5-yr

US Multi-Asset Diversified 5 Index

participation

5-yr surrender$150,000+

Par: 146% · 5-yr

Barclays Global Trailblazer Index

participation

5-yr surrender$150,000+

Par: 106% · 5-yr

US Strategic Balanced Asset 8 Index

participation

5-yr surrender$150,000+

Par: 100% + Declared: 6.8% · 5-yr

US Daily Risk Managed 12 Index

trigger

5-yr surrender$150,000+

Par: 100% + Declared: 6.9% · 5-yr

US Balanced Asset 10 Index

trigger

5-yr surrender$150,000+

Par: 100% + Declared: 6.1% · 5-yr

S&P 500 Index

Guaranteed Trigger · trigger

5-yr surrender$150,000+

Par: 85% · 5-yr

US Balanced Asset 10 Index

participation

5-yr surrender$150,000+

Par: 71% · 5-yr

US Daily Risk Managed 12 Index

participation

5-yr surrender$150,000+

Cap: 7.25% · 5-yr

S&P 500 Index

Guaranteed Cap · cap

5-yr surrender$150,000+

Par: 198% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha Max — 20% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 194% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha Max — 25% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 172% · 1-yr

Barclays Global Trailblazer Index

Alpha Max — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 150% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 20 — 20% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 150% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 40 — 15% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 146% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 20 — 20% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 146% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 40 — 15% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 131% · 1-yr

Barclays Global Trailblazer Index

Alpha 20 — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 131% · 1-yr

Barclays Global Trailblazer Index

Alpha 40 — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 125% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha Max — 25% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 101% · 1-yr

US Balanced Asset 10 Index

Alpha Max — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 95% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 20 — 15% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 95% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 40 — 10% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 84% · 1-yr

US Daily Risk Managed 12 Index

Alpha Max — 10% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 76% · 1-yr

US Balanced Asset 10 Index

Alpha 20 — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 76% · 1-yr

US Balanced Asset 10 Index

Alpha 40 — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 64% · 1-yr

US Daily Risk Managed 12 Index

Alpha 20 — 10% allocation · participation

5-yr surrenderUp to $149,999.99

Par: 64% · 1-yr

US Daily Risk Managed 12 Index

Alpha 40 — 5% allocation · participation

5-yr surrenderUp to $149,999.99

Cap: 11.5% · 1-yr

S&P 500 Index

Alpha 20 — 20% allocation · cap

5-yr surrenderUp to $149,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

Alpha 40 — 40% allocation · cap

5-yr surrenderUp to $149,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $149,999.99

Trigger: 6.1% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $149,999.99

Fixed: 4.05% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $149,999.99

Par: 146% · 5-yr

US Multi-Asset Risk Managed 5 Index

participation

5-yr surrenderUp to $149,999.99

Par: 146% · 5-yr

US Multi-Asset Diversified 5 Index

participation

5-yr surrenderUp to $149,999.99

Par: 131% · 5-yr

Barclays Global Trailblazer Index

participation

5-yr surrenderUp to $149,999.99

Par: 100% + Declared: 6.1% · 5-yr

US Daily Risk Managed 12 Index

trigger

5-yr surrenderUp to $149,999.99

Par: 100% + Declared: 6.2% · 5-yr

US Balanced Asset 10 Index

trigger

5-yr surrenderUp to $149,999.99

Par: 100% + Declared: 5.1% · 5-yr

S&P 500 Index

Guaranteed Trigger · trigger

5-yr surrenderUp to $149,999.99

Par: 95% · 5-yr

US Strategic Balanced Asset 8 Index

participation

5-yr surrenderUp to $149,999.99

Par: 76% · 5-yr

US Balanced Asset 10 Index

participation

5-yr surrenderUp to $149,999.99

Par: 64% · 5-yr

US Daily Risk Managed 12 Index

participation

5-yr surrenderUp to $149,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

Guaranteed Cap · cap

5-yr surrenderUp to $149,999.99

Rate not shown · 5-yr

Alpha 20

Alpha 20 · Allocation model

Up to $149,999.99

Rate not shown · 5-yr

Alpha 40

Alpha 40 · Allocation model

Up to $149,999.99

Rate not shown · 5-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 5

● Can I lose money in Observatory Accumulation 5?

A negative index return by itself does not reduce the contract's account value: Observatory Accumulation 5 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 5 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 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Observatory Accumulation 5 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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

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 5 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: 7.75% annual cap
  • S&P 500 Index: 11.5% annual cap, Alpha 20 — 20% allocation
  • S&P 500 Index: 9.5% annual cap, Alpha 40 — 40% allocation
  • S&P 500 Index: 8.75% 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
  • 5 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 5 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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