Orbiter Growth 9
AuguStar Financial
9.5%
Best Cap
10%
Free W/D
Orbiter Growth is a fixed indexed annuity designed for people nearing or in retirement who want growth potential tied to market indices without the risk of losing money in market downturns.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$25,000
Surrender
9 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Trailblazer Index | Annual | -- | 144% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| US Balanced Asset 10 Index | Annual | -- | 84% | -- |
| US Daily Risk Managed 12 Index | Annual | -- | 78% | -- |
| US Multi-Asset Diversified 5 Index | Annual | -- | 183% | -- |
| 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
Contract value cannot decrease due to market losses; principal and credited interest are protected by a contractual floor
Premium Bonus Rider
5% for 7-year contracts, 10% for 10-year contractsGet an immediate bonus equal to a percentage of your purchase amount, which then earns interest like the rest of your contract
EGAP (Enhanced Guaranteed Accumulation Protection)
2.5-4% annual simple interest depending on contract lengthOptional annual growth guarantee on your premium that ensures a minimum return at the end of your contract term
Multiple Index Options
US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, and othersChoose from 6 actively managed indices plus an S&P 500 option and a 1-year fixed account to diversify your allocation
Flexible Crediting Methods
Select how gains are credited to your account: participation rate, guaranteed participation rate, cap, guaranteed cap, performance trigger, or fixed account
Tax Deferral
28% federal tax rate assumed in illustrationsGains compound tax-free inside the contract until withdrawal, potentially adding 13-33% more wealth over time compared to taxable investments
Contract Terms
5-year, 7-year, or 10-year surrender charge periodsChoose your commitment period based on your needs
Highlights
Your money can't lose value due to market downturns, but gains when markets perform well
Optional premium bonus gives your retirement assets an immediate head start (5-10% depending on contract length)
Multiple index options and crediting strategies let you diversify and customize your allocation
Tax-deferred growth compounds faster, potentially adding 13-33% more wealth over time
Enhanced Guaranteed Accumulation Protection (EGAP) ensures a minimum return if you choose it
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%
Best For
Orbiter Growth is best for people who are nearing retirement or already retired, concerned about market volatility, looking for growth on assets they cannot afford to lose, and want the security of downside protection.
Consider Alternatives If
Not suitable for people who need immediate access to their money without penalty, those in high tax brackets who prefer current income, or investors who can tolerate significant market risk and want maximum growth exposure.
Carrier Ratings
Free Comparison Report
Get a personalized Orbiter Growth 9 illustration
See year-by-year projections for your specific age, premium, and income goals.
AuguStar Financial Discussions
DIAs vs SPIAs: Why Waiting 2 Years Could Boost Your Payout by 1.5-2%
Athene Aviator FIA: Does 'Simplified' Mean Lower Returns?
Ohio National's New Rider vs Market Leaders: Cap Rate Reality Check
Value Protection vs. Higher Payouts: The Trade-Off Most Retirees Miss
From the AdvisorWorld.com Community