Orbiter Growth 5
AuguStar Financial
9.25%
Best Cap
10%
Free W/D
51
States
Orbiter Growth is a fixed indexed annuity designed for people nearing or in retirement who want growth potential tied to market indices while protecting their principal from market losses. Your money participates in upside gains but cannot go down due to market downturns.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Trailblazer Index | Annual | -- | 140% | -- |
| S&P 500 Index | Annual | 9.25% | 100% | -- |
| US Balanced Asset 10 Index | Annual | -- | 82% | -- |
| US Daily Risk Managed 12 Index | Annual | -- | 76% | -- |
| US Multi-Asset Diversified 5 Index | Annual | -- | 178% | -- |
| US Multi-Asset Risk Managed 5 Index | Annual | -- | 157% | -- |
| US Strategic Balanced Asset 8 Index | Annual | -- | 101% | -- |
| Fixed Account | Daily | -- | -- | 4.15% |
Key Features
Contractual Floor
0% minimum annual lossYour account value cannot lose principal or credited interest due to market downturns, protecting against sudden market swings
Index Participation
Various participation rates and caps availableYour credited interest is based on the performance of specific market indices, allowing you to capture upside gains without direct market exposure
Premium Bonus Rider
5-10% of initial premiumReceive an immediate bonus of 5% (7-year) or 10% (10-year) of your initial investment that compounds like the rest of your account
EGAP Guarantee
2.5-4% annually for 5-10 yearsOptional guaranteed minimum annual growth (2.5-4%) ensures you receive the higher of your index-linked value or the guaranteed value at contract end
Multiple Index Options
10+ index strategy optionsChoose from diversified allocations including risk-managed indices, balanced assets, S&P 500, and fixed accounts to match your risk tolerance
Tax Deferral
+13% to +33% more growth over 10-30 years vs. taxableNo taxes owed on gains until withdrawal, allowing your money to compound faster than taxable investments
Contract Terms
5, 7, or 10-year optionsChoose from 5-year, 7-year, or 10-year accumulation periods to match your retirement timeline
Highlights
Protection against market losses with a contractual floor that prevents your account value from declining due to market downturns
Growth potential through participation in various market indices without direct stock market risk
Optional Premium Bonus (5-10%) that jump-starts your account value and compounds over time
Enhanced Guaranteed Accumulation Protection (EGAP) option ensures minimum guaranteed growth regardless of market performance
Tax-deferred growth that compounds faster by deferring taxes until withdrawal
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver
Best For
People nearing retirement or already retired who want growth potential for assets they can't afford to lose, are concerned about market volatility, and prefer guaranteed downside protection over maximum growth potential.
Consider Alternatives If
Investors seeking maximum growth potential or liquidity, those who may need frequent access to their funds without penalties, or people with short time horizons who cannot commit to multi-year holding periods.
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