Orbiter Growth 10
AuguStar Financial
9.5%
Best Cap
10%
Free W/D
50
States
Orbiter Growth is a fixed indexed annuity that gives you upside growth potential tied to market indices while protecting your principal from losses. It's designed for people nearing or in retirement who want growth without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Trailblazer Index | Annual | -- | 159% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| US Balanced Asset 10 Index | Annual | -- | 93% | -- |
| US Daily Risk Managed 12 Index | Annual | -- | 100% | -- |
| US Multi-Asset Diversified 5 Index | Annual | -- | 165% | -- |
| US Multi-Asset Risk Managed 5 Index | Annual | -- | 162% | -- |
| US Strategic Balanced Asset 8 Index | Annual | -- | 104% | -- |
| Fixed Account | Daily | -- | -- | 4.4% |
Key Features
Contractual Floor
0% minimum return in down marketsYour principal and credited interest cannot decline due to market downturns
Premium Bonus
5% for 7-year, 10% for 10-year contractsReceive an immediate bonus on your initial investment that also earns interest
EGAP (Enhanced Guaranteed Accumulation Protection)
2.5-4% annual guarantee depending on contract lengthSimple interest annual growth guarantee ensures a minimum account value at contract end
Index Options
Includes S&P 500, multi-asset, and risk-managed indicesChoose from 6 diversified index strategies or a fixed account to customize your allocation
Crediting Methods
Rates reset annually or guaranteed for surrender periodMultiple ways to earn interest: participation rates, caps, or trigger rates lock in gains regularly
Tax-Deferred Growth
Can result in 13-33% more growth over 10-30 yearsGains compound without annual tax liability until withdrawal
Highlights
Principal and credited interest protected from market downturns with a contractual floor
Growth potential tied to market index performance without direct stock exposure
Optional Premium Bonus (5-10%) gives an immediate head start on your investment
Tax-deferred growth compounds faster, with gains locked in regularly
Flexible index options and crediting strategies let you customize your allocation
Surrender Schedule
Yr 1
10%
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
Best For
Individuals nearing retirement or already retired who want growth potential for assets they can't afford to lose and are concerned about market volatility.
Consider Alternatives If
Investors who need immediate access to their funds without penalty or who prioritize maximum growth over capital preservation should avoid this product.
Carrier Ratings
Free Comparison Report
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From the AdvisorWorld.com Community