Annuity rate data from AdvisorWorld and CANNEX carrier feeds
Check the data date shown with any rate before you rely on it. View current rates
4.5%
Best S&P 500 Annual Cap
5%
Free W/D
50
Available jurisdictions
Product data status: October 2, 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
Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Free Comparison Report
See how Omega Bonus 7 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Augustar product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual point-to-point cap
A mid-length AuguStar bonus FIA pairing a vesting issue credit with a comparable S&P 500 annual cap.
Best fit
Buyers who want bonus-supported accumulation without choosing the longest Omega Bonus surrender term.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
5%/yr
Availability
50 jurisdictions (excl. California, New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
4.5% cap rate
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Up to $150,000
1-year term
7-year surrender
Up to $150,000
S&P 500
S&P 500 Index
Rate not shown
Rate effective Jul 15, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Up to $150,000
1-year term
7-year surrender
Up to $150,000
Fixed Account
Fixed Account
3.4% declared rate
Fixed account
Requested state: TX
1-year term · 7-year surrender · Up to $150,000
1-year term
7-year surrender
Up to $150,000
Fixed Account
Fixed Account
Rate not shown
Rate effective Jul 15, 2026
Fixed account
Requested state: TX
1-year term · 7-year surrender · Up to $150,000
1-year term
7-year surrender
Up to $150,000
Product analyst notes
Not ideal for
Buyers needing a GLWB, immediate bonus portability, or a MYGA-style guarantee.
Free Comparison Report
See how Omega Bonus 7 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 4.5% · 1-yr
S&P 500 Index
Point-to-point
Fixed: 3.4% · 1-yr
Fixed Account
Fixed account
Rate not shown · 1-yr
Fixed Account
Fixed account
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Par: 148% · 7-yr
Multi-Asset Dynamic Managed 5 Index
Point-to-point
Par: 138% · 7-yr
S&P MARC 5% Excess Return
Point-to-point
Par: 93% · 7-yr
Strategic Dynamic Balanced Asset 8 Index
Point-to-point
Par: 75% · 7-yr
Dynamic Balanced Asset 10 Index
Point-to-point
Par: 52% · 7-yr
Nasdaq Night Owl Index
Point-to-point
Par: 50% · 7-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Cap: 5.75% · 7-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Rate not shown · 7-yr
Nasdaq Night Owl Index
Point-to-point
Rate not shown · 7-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
Point-to-point
Rate not shown · 7-yr
Dynamic Balanced Asset 10 Index
Point-to-point
Rate not shown · 7-yr
Multi-Asset Dynamic Managed 5 Index
Point-to-point
Rate not shown · 7-yr
S&P MARC 5% Excess Return
Point-to-point
Rate not shown · 7-yr
Strategic Dynamic Balanced Asset 8 Index
Point-to-point
Published rider charge: Not shown. This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.
Accumulation-focused contract
The CANNEX information identifies this product 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.
A negative index return by itself does not reduce the contract's account value: Omega Bonus 7 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% 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.
Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 7 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.
Use "Compare against" in the analyzer to overlay another available Omega Bonus 7 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver
Bonus terms can vary by state, premium band, and rider election.
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver
Carrier documents not available for this product
Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.
Crediting design
Omega Bonus 7 currently shows 17 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 13 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Liquidity terms
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.
Verification note
This page uses the current structured product information 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.
Free Comparison Report
See how Omega Bonus 7 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
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