Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Orbiter Growth 9

AuguStar Financial

Get my rate report

9.75%

Best S&P 500 Annual Cap

10%

Free W/D

California

Only state

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 9 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
$303,603
Est. value at age 80 (Orbiter Growth 9)
9.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.75% 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 9's published cap rate (8.75% 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.

Free Comparison Report

Get a Orbiter Growth 9 rate report

See how Orbiter Growth 9 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for Orbiter Growth 9

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

9.75% cap on S&P 500

The California filing of AuguStar's Orbiter Growth chassis: an accumulation-focused, A-rated, 9-year fixed indexed annuity built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies, with a no-fee Guaranteed Accumulation Protection floor and no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

California buyers committing to a 9-year deferral who want accumulation-focused exposure through a recognizable no-fee S&P 500 cap alongside a menu of proprietary participation-rate strategies, backed by an A-rated carrier and a no-fee Guaranteed Accumulation Protection floor. This is the California filing of the Orbiter Growth chassis — buyers in any other state should look at the 10-year version (Orbiter Growth 10) instead, since California regulation is the reason the surrender period here is nine years rather than ten.

AM Best

A Excellent

Surrender period

9 years

Free withdrawal

10%/yr

Availability

California only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

1-year term · 9-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

3.85% declared rate

Fixed account

1-year term · 9-year surrender · Up to $150,000

Rate varies by premium band.

+ 12 additional crediting options (Barclays Global, US Multi-Asset, US Daily...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no strategy fee, so this contract gives a California buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • The index menu is wide for a 9-year contract — the S&P 500 cap sits alongside the Barclays Global Trailblazer Index and a family of Marquee proprietary risk-managed and multi-asset indexes (US Multi-Asset Risk Managed 5, US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, US Multi-Asset Diversified 5), so a buyer can choose between like-for-like cap exposure and several volatility-controlled participation-rate alternatives.
  • A no-fee Guaranteed Accumulation Protection (GAP) rider is built into the contract as a Guaranteed Minimum Account Value floor, so the contract has an explicit accumulation backstop on top of whatever the crediting strategies deliver year by year.
  • Free-withdrawal allowance, the full year-by-year 9-year surrender ladder, the market-value-adjustment flag, and the contract's guaranteed-minimum cap, participation, and fixed-rate floors are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This is the California-only filing of the Orbiter Growth chassis. California's Department of Insurance caps fixed indexed annuity surrender periods at nine years, so this is the 9-year version of the same product that ships as Orbiter Growth 10 (a 10-year surrender) in the other fifty jurisdictions (every US state except California and New York, plus DC and Puerto Rico) — the chassis, crediting menu, and rider design are the same; the surrender length is the regulatory difference. Buyers outside California should compare against the 10-year filing instead.
  • This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis, so do not buy this contract for a guaranteed lifetime withdrawal — its job is index-linked growth over the 9-year term, not income.
  • Most of the non-S&P index options are proprietary volatility-controlled or risk-managed indexes (Barclays Global Trailblazer, the Marquee MQI family). 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 — evaluate each on its own merits rather than headline number alone.
  • Surrender lockup runs the full nine years with a market-value adjustment on amounts above the published free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — early exits carry both a surrender charge and MVA interest-rate sensitivity, and 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 rate from a GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity inside the 9-year window, or require an account-value-based death benefit — none of those are what this contract is built to deliver. Also not the right filing for buyers outside California, who should compare the 10-year sibling (Orbiter Growth 10) instead.

Free Comparison Report

Get a Orbiter Growth 9 rate report

See how Orbiter Growth 9 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (16 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: 188% · 1-yr

US Multi-Asset Diversified 5 Index

participation

9-yr surrender$150,000+

Par: 184% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

9-yr surrender$150,000+

Par: 163% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrender$150,000+

Par: 118% · 1-yr

US Strategic Balanced Asset 8 Index

participation

9-yr surrender$150,000+

Par: 96% · 1-yr

US Balanced Asset 10 Index

participation

9-yr surrender$150,000+

Par: 80% · 1-yr

US Daily Risk Managed 12 Index

participation

9-yr surrender$150,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

9-yr surrender$150,000+

Fixed: 4.4% · 1-yr

Fixed Account

fixed

9-yr surrender$150,000+

Par: 170% · 1-yr

US Multi-Asset Diversified 5 Index

participation

9-yr surrenderUp to $149,999.99

Par: 166% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

9-yr surrenderUp to $149,999.99

Par: 148% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrenderUp to $149,999.99

Par: 107% · 1-yr

US Strategic Balanced Asset 8 Index

participation

9-yr surrenderUp to $149,999.99

Par: 87% · 1-yr

US Balanced Asset 10 Index

participation

9-yr surrenderUp to $149,999.99

Par: 72% · 1-yr

US Daily Risk Managed 12 Index

participation

9-yr surrenderUp to $149,999.99

Cap: 8.75% · 1-yr

S&P 500 Index

cap

9-yr surrenderUp to $149,999.99

Fixed: 3.85% · 1-yr

Fixed Account

fixed

9-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 9

● Can I lose money in Orbiter Growth 9?

A negative index return by itself does not reduce the contract's account value: Orbiter Growth 9 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 9 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Orbiter Growth 9's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Orbiter Growth 9 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.

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.

Fixed account guarantee

3.00%

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

After

0%

Documents

brochure

OrbiterGrowthClientBrochure_0226.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 9 currently shows 16 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 12 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: 8.75% annual cap
  • S&P 500 Index: 9.75% annual cap
  • Fixed Account: 3.85% fixed account rate
  • Fixed Account: 4.4% 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
  • 9 surrender years

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as OrbiterGrowthClientBrochure_0226.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

Get a Orbiter Growth 9 rate report

See how Orbiter Growth 9 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

Get my rate report

Related Resources