Orbiter Growth 10 with Premium Bonus
AuguStar Financial
9.5%
Best Cap
10%
Free W/D
50
States
Orbiter Growth is a fixed indexed annuity that offers growth potential linked to stock market indices while protecting your principal from market losses. It's designed for people nearing or in retirement who want upside growth without downside 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
Downside Protection
0% minimum annual returnContract value cannot go down due to market losses; a contractual floor protects principal and credited interest from market downturns
Premium Bonus Rider
5% for 7-year contracts, 10% for 10-year contractsReceive an immediate bonus equal to a percentage of your initial investment, giving your retirement assets a head start
Enhanced Guaranteed Accumulation Protection (EGAP)
2.5-4% annually depending on contract length and allocationSimple interest annual growth guarantee that ensures minimum compound returns if index performance falls short
Index Options
8 crediting strategies across multiple asset classesChoose from 6 actively managed indices plus S&P 500 and fixed account options, many using target volatility for consistency
Tax-Deferred Growth
13-33% more growth vs. taxable accounts over 10-30 yearsNo taxes on gains until withdrawal, allowing compound growth to accelerate significantly over time
Multiple Crediting Methods
Rates reset annually or guaranteed for contract term depending on methodCap, participation rate, guaranteed participation rate, and performance trigger crediting methods paired with different indices
Highlights
Growth potential tied to market indices without direct market risk—your money can't lose value from market downturns
Optional Premium Bonus of 5-10% gives your retirement assets an immediate head start
Enhanced Guaranteed Accumulation Protection (EGAP) ensures minimum returns of 2.5-4% annually based on contract length
Tax-deferred growth compounds faster, potentially adding 13-33% more wealth over 10-30 years compared to taxable accounts
Multiple index options and crediting strategies let you diversify and 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
People nearing retirement or already retired who have assets they can't afford to lose but want growth potential above bond or CD returns, and are concerned about market volatility.
Consider Alternatives If
Investors seeking liquidity without penalties, those who need current income before retirement, or those who can afford significant market risk.
Carrier Ratings
Free Comparison Report
Get a personalized Orbiter Growth 10 with Premium Bonus illustration
See year-by-year projections for your specific age, premium, and income goals.
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