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Fixed Indexed Annuity

Omega Bonus Plus 10 — Augustar

Augustar

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4.5%

Best S&P 500 Annual Cap

10%

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

See what Omega Bonus Plus 10 would do for you

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.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$257,061
Est. value at age 80 (Omega Bonus Plus 10)
24%
Premium bonus offered
S&P 500 Index — 4.5% 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 Omega Bonus Plus 10's published cap rate (4.5% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $24,000 premium bonus (24%) = $124,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

Get an Omega Bonus Plus 10 rate report

See how Omega Bonus Plus 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.

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rate data

Run numbers for Omega Bonus Plus 10

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

4.5% cap on S&P 500

The high-bonus Omega accumulation filing, with broader routine liquidity and a comparable annual S&P 500 cap.

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

Best fit

Buyers prioritizing the largest upfront credit in the Omega lineup who can remain through a long vesting period.

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

4.5% cap rate

Rate effective Sep 1, 2026

Annual point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

2.65% declared rate

Rate effective Sep 1, 2026

Fixed account

Requested state: TX

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

+ 7 additional crediting options (Nasdaq Night, S&P 500, Balanced...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The Plus filing emphasizes the largest vesting premium bonus in the Omega group while retaining the same broad index menu.
  • Its routine free-withdrawal provision is broader than the standard Omega Bonus filings.

What to confirm

  • A larger bonus comes with a long vesting schedule and lower underlying crediting terms than the no-bonus Omega Accumulation siblings.
  • A market value adjustment can add interest-rate sensitivity to an early surrender.

Not ideal for

Buyers optimizing only for underlying caps, needing lifetime income, or likely to surrender before vesting.

Free Comparison Report

Get an Omega Bonus Plus 10 rate report

See how Omega Bonus Plus 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.

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All crediting strategies

View rate listings (18 strategies)

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 · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Cap: 4.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Fixed: 2.65% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Fixed: 2.65% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 87% · 10-yr

Multi-Asset Dynamic Managed 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 87% · 10-yr

Multi-Asset Dynamic Managed 5 Index

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 81% · 10-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 81% · 10-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 55% · 10-yr

Strategic Dynamic Balanced Asset 8 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 55% · 10-yr

Strategic Dynamic Balanced Asset 8 Index

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 44% · 10-yr

Dynamic Balanced Asset 10 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 44% · 10-yr

Dynamic Balanced Asset 10 Index

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 31% · 10-yr

Nasdaq Night Owl Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 31% · 10-yr

Nasdaq Night Owl Index

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Par: 29% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Par: 29% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Cap: 6% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Sep 1, 202610-yr surrenderUp to $149,999.99

Cap: 6% · 10-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point

Requested state: TX10-yr surrenderUp to $149,999.99

Accumulation profile

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.

Common questions about Omega Bonus Plus 10

● Can I lose money in Omega Bonus Plus 10?

A negative index return by itself does not reduce the contract's account value: Omega Bonus Plus 10 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 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 Omega Bonus Plus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Omega Bonus Plus 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

Premium bonus

24%

Bonus terms can vary by state, premium band, and rider election.

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.

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.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver

Documents

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.

Carrier Ratings

AM BestA
FitchA-
Moody'sBaa1

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Omega Bonus Plus 10 currently shows 18 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 14 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.

  • S&P 500 Index: 4.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 4.5% annual cap
  • Fixed Account: 2.65% fixed account rate, 0% annual strategy fee
  • Fixed Account: 2.65% fixed account rate

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 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.

  • 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 Omega Bonus Plus 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.

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