Orbiter Growth 9 with Premium Bonus
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 principal. It combines upside growth opportunity with downside protection through a contractual floor.
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
Contractual Floor
0% minimum return in down marketsPrincipal and credited interest are protected from market downturns. Your account value cannot go down due to market losses.
Index-Linked Growth
Multiple index options with caps, participation rates, and triggersEarn interest based on the performance of various market indices like the S&P 500 without directly investing in the stock market.
Premium Bonus Rider
5-10% immediate boost depending on contract lengthOptional feature that adds 5% (7-year) or 10% (10-year) bonus to your initial investment amount, giving your money a head start on growth.
Enhanced Guaranteed Accumulation Protection (EGAP)
2.5%-4% annual guarantee optionsOptional guarantee that ensures a minimum annual growth rate (2.5%-4%) applied at the end of your contract term, whichever is higher—your index performance or the guaranteed amount.
Tax-Deferred Growth
Up to 33% more growth over 30 years versus taxable alternativesNo taxes owed on gains until withdrawn, allowing compound growth to accelerate faster than in taxable accounts.
Flexible Index Allocation
9 distinct index and fixed options to build custom allocationChoose from 6 Group A indices with target volatility strategies, Group B options including the S&P 500, a 1-year fixed account, and pre-set allocation models for easy diversification.
Crediting Methods
Annual resets or guaranteed periods based on contract typeMultiple ways to credit interest including participation rates, caps, guaranteed rates, performance triggers, and fixed rates depending on your chosen index and contract length.
Contract Terms
Flexible term lengths with varying bonuses and guaranteesAvailable in 5-year, 7-year, and 10-year periods to match your retirement timeline and goals.
Death Benefit
Full contract value passes to beneficiariesIf you pass away during the accumulation phase, your beneficiaries may receive the full account value without penalty.
Highlights
Your money cannot lose value due to market downturns—it has a contractual floor protecting principal and credited interest
Earn interest based on stock market index performance while avoiding direct market risk and volatility
Optional Premium Bonus gives you 5-10% instant boost to your initial investment, jumpstarting growth
Tax-deferred growth compounds faster, with gains locked in regularly to protect against future market swings
Flexibility to diversify across multiple index strategies and fixed accounts tailored to your risk comfort
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
People nearing retirement or already retired who want growth tied to market performance but cannot afford the risk of losing principal, and who are concerned about market volatility and sudden swings.
Consider Alternatives If
Those who need immediate access to their money or cannot tolerate surrender charge periods of 5-10 years; those who prioritize maximum growth potential over safety.
Carrier Ratings
Free Comparison Report
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See year-by-year projections for your specific age, premium, and income goals.
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