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Fixed Indexed Annuity

Orbiter Growth 10 with Premium Bonus

AuguStar Financial

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5.8%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 5, 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 Orbiter Growth 10 with Premium Bonus would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 5, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$216,416
Est. value at age 80 (Orbiter Growth 10 with Premium Bonus)
10%
Premium bonus offered
S&P 500 Index — 4.8% 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 Orbiter Growth 10 with Premium Bonus's published cap rate (4.8% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 5, 2026.

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See how Orbiter Growth 10 with Premium Bonus compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Orbiter Growth 10 with Premium Bonus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this AuguStar Financial product.

Live product data

Rates as of July 5, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

5.8% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.45% trigger rate

Performance trigger

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.2% declared rate

Fixed account

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

Rate varies by premium band.

+ 16 additional crediting options (Barclays Global, US Multi-Asset, US Daily...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A day-one premium bonus is credited to the account value at issue, giving the contract an immediate account-value lift before any index-crediting period begins — a structural distinction from the no-bonus sibling on the same chassis (Orbiter Growth 10) and a meaningful head start over a plain accumulation FIA at the same surrender length.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no strategy fee, so this contract gives a buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • Three annual-trigger declared-rate strategies are available — one on the S&P 500 and two on Macquarie volatility-controlled indexes — giving a buyer a pre-declared crediting amount paid whenever the index closes flat or positive for the year, a distinct mechanic from cap and participation strategies.
  • An Enhanced Guaranteed Accumulation Protection (EGAP) rider is attached as the contract's Guaranteed Minimum Account Value feature, so a long-deferral buyer has a contractual floor on account value separate from the standard guaranteed-minimum cap and participation rates published on this page, all behind an A.M. Best 'A' (Excellent) carrier.

What to confirm

  • This is an accumulation-only fixed indexed annuity. The live feed shows no optional lifetime-income rider and no Protected Income Value chassis — do not buy this contract for a guaranteed lifetime withdrawal. Its job is index-linked growth on a bonus-enhanced account value over the ten-year surrender term, not income.
  • The premium bonus is a graded-vesting bonus, not a fully-vested credit. The vesting schedule reaches full vesting only beyond year ten, and it follows a non-monotonic step pattern across the eleven-year window — a buyer who surrenders inside the term forfeits a portion of the bonus on top of the surrender charge, so the bonus is a deferral commitment, not free money.
  • Surrender lockup runs ten years with a market-value adjustment on amounts above the free-withdrawal allowance, and the surrender ladder stacks against the unvested portion of the premium bonus — early exits carry both a surrender charge and a partial-bonus clawback on the account value, plus MVA interest-rate sensitivity. That is on the long end of FIA surrender schedules currently sold. This is also the non-California, non-New York filing: California residents must purchase the sibling Orbiter Growth 9 with Premium Bonus (a nine-year-surrender filing on the same bonused chassis) at /providers/augustar/fia/orbiter-growth-9-with-premium-bonus instead, and New York residents are not eligible for either filing.
  • Most non-S&P index options are proprietary Macquarie or Barclays volatility-controlled indexes paired with participation rates rather than caps. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself. The standard death benefit pays cash surrender value rather than account value or a rolled-up base, so heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

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.

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See how Orbiter Growth 10 with Premium Bonus compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (22 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 137% · 1-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrender$150,000+

Par: 134% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrender$150,000+

Par: 119% · 1-yr

Barclays Global Trailblazer Index

participation

10-yr surrender$150,000+

Par: 86% · 1-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrender$150,000+

Par: 70% · 1-yr

US Balanced Asset 10 Index

participation

10-yr surrender$150,000+

Par: 58% · 1-yr

US Daily Risk Managed 12 Index

participation

10-yr surrender$150,000+

Trigger: 5.95% · 1-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrender$150,000+

Cap: 5.8% · 1-yr

S&P 500 Index

cap

10-yr surrender$150,000+

Trigger: 5.8% · 1-yr

US Balanced Asset 10 Index

trigger

10-yr surrender$150,000+

Trigger: 5.3% · 1-yr

S&P 500 Index

trigger

10-yr surrender$150,000+

Fixed: 2.45% · 1-yr

Fixed Account

fixed

10-yr surrender$150,000+

Par: 119% · 1-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 117% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 104% · 1-yr

Barclays Global Trailblazer Index

participation

10-yr surrenderUp to $149,999.99

Par: 75% · 1-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 61% · 1-yr

US Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 50% · 1-yr

US Daily Risk Managed 12 Index

participation

10-yr surrenderUp to $149,999.99

Trigger: 5.1% · 1-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrenderUp to $149,999.99

Trigger: 5.1% · 1-yr

US Balanced Asset 10 Index

trigger

10-yr surrenderUp to $149,999.99

Cap: 4.8% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Trigger: 4.45% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $149,999.99

Fixed: 2.2% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Orbiter Growth 10 with Premium Bonus

● Can I lose money in Orbiter Growth 10 with Premium Bonus?

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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Orbiter Growth 10 with Premium Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current 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.

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

10%

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.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger 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.

Annuitization options

Single life

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

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, Surrender waivers

Documents

brochure

OrbiterGrowth10.pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA-
Moody'sBaa1

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Orbiter Growth 10 with Premium Bonus currently shows 19 distinct indexed or fixed crediting choices across 22 current rate listings, 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, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.8% annual cap
  • S&P 500 Index: 5.8% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 2.2% 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

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.

  • 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 Orbiter Growth 10 with Premium Bonus compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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