Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
4.8%
Best S&P 500 Annual Cap
10%
Free W/D
50
Available jurisdictions
Product data status: September 24, 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. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Orbiter Growth 10 with Premium Bonus 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 September 24, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual point-to-point cap
A ten-year-surrender, accumulation-focused fixed indexed annuity from A-rated AuguStar Financial that pairs a day-one premium bonus on a graded multi-year vesting schedule with a no-fee S&P 500 annual point-to-point cap and a wide menu of proprietary participation-rate and annual-trigger strategies underneath, plus a Guaranteed Minimum Account Value rider — no income rider, no PIV.
Best fit
Accumulation-focused buyers outside California and New York who can commit to the full ten-year surrender and want a day-one premium-bonus lift on the account value, a recognizable no-fee S&P 500 annual point-to-point cap alongside a wide menu of proprietary participation-rate and annual-trigger strategies, and an EGAP-rider Guaranteed Minimum Account Value floor from a tri-agency-rated carrier — and who are prepared to hold the contract long enough for the bonus to fully vest.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. California, New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
unknown
4.8% cap rate
Annual cap
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
S&P 500
S&P 500 Index
unknown
4.45% trigger rate
Performance trigger
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
S&P 500
S&P 500 Index
unknown
Rate detail not shown
Annual crediting
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
Product analyst notes
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal from a GLWB rider, want built-in PIV-style income, need short-surrender liquidity, expect a fully-vested premium bonus on day one (this one vests on a graded schedule that runs beyond year ten), or require an account-value-based death benefit — none of those are what this contract is built to deliver. California residents should look at the sibling Orbiter Growth 9 with Premium Bonus (nine-year surrender, same bonused chassis) at /providers/augustar/fia/orbiter-growth-9-with-premium-bonus instead; New York residents are not eligible for either filing.
Free Comparison Report
See how Orbiter Growth 10 with Premium Bonus compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 119% · 1-yr
US Multi-Asset Diversified 5 Index
unknown
Par: 117% · 1-yr
US Multi-Asset Risk Managed 5 Index
unknown
Par: 104% · 1-yr
Barclays Global Trailblazer Index
unknown
Par: 75% · 1-yr
US Strategic Balanced Asset 8 Index
unknown
Par: 61% · 1-yr
US Balanced Asset 10 Index
unknown
Par: 50% · 1-yr
US Daily Risk Managed 12 Index
unknown
Trigger: 5.1% · 1-yr
US Daily Risk Managed 12 Index
unknown
Trigger: 5.1% · 1-yr
US Balanced Asset 10 Index
unknown
Cap: 4.8% · 1-yr
S&P 500 Index
unknown
Trigger: 4.45% · 1-yr
S&P 500 Index
unknown
Declared: 2.2% · 1-yr
Index not shown
unknown
Rate not shown · 1-yr
Index not shown
unknown
Rate not shown · 1-yr
S&P 500 Index
unknown
Rate not shown · 1-yr
Barclays Global Trailblazer Index
unknown
Rate not shown · 1-yr
US Multi-Asset Risk Managed 5 Index
unknown
Rate not shown · 1-yr
US Daily Risk Managed 12 Index
unknown
Rate not shown · 1-yr
US Balanced Asset 10 Index
unknown
Rate not shown · 1-yr
US Strategic Balanced Asset 8 Index
unknown
Rate not shown · 1-yr
US Multi-Asset Diversified 5 Index
unknown
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: Orbiter Growth 10 with Premium Bonus 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.
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.
Use "Compare against" in the analyzer to overlay another available Orbiter Growth 10 with Premium Bonus 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.
Minimum guaranteed declared rate for declared-rate or performance-trigger 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
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
brochure
Direct link not published — request the document from the carrier.
Crediting design
Orbiter Growth 10 with Premium Bonus currently shows 19 indexed or fixed crediting options, including S&P 500 Index, with 16 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
Carrier materials such as OrbiterGrowth10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. 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 Orbiter Growth 10 with Premium Bonus compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
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