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Fixed Indexed Annuity

Orbiter Growth 9 with Premium Bonus

AuguStar Financial

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5.8%

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 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 9 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 9 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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Live rate data

Run live numbers for Orbiter Growth 9 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 California-only, nine-year-surrender fixed indexed annuity from A-rated AuguStar Financial with a day-one premium bonus that vests over the full surrender window, a no-fee S&P 500 annual point-to-point cap, and a wide menu of proprietary participation-rate strategies — the California filing of the same Orbiter chassis sold elsewhere as the ten-year version.

1-year termAdvisorWorld + CANNEX data

Best fit

California-resident, accumulation-focused buyers committing to a nine-year deferral who want a day-one premium bonus alongside a recognizable no-fee S&P 500 cap and a wide menu of proprietary participation-rate strategies, and who are comfortable holding the contract to the end of the surrender window so the bonus fully vests and the contract becomes penalty-free at the same time.

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

4.8% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.2% 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

  • A premium bonus credits to the contract on day one — recognized in the working account balance from the start, with index credits then computed on the bonused base rather than only on net premium.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no published 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.
  • Index menu is unusually wide for a nine-year contract — the S&P 500 cap sits alongside the Barclays Global Trailblazer Index plus four Morgan Stanley risk-managed indexes (US Multi-Asset Risk Managed 5, US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8) and the US Multi-Asset Diversified 5 — giving the buyer several volatility-controlled participation-rate alternatives to the headline cap.
  • Carrier financial strength is reported on this page as A.M. Best 'A' (Excellent), so a buyer locking principal into the nine-year deferral is committing to an A-rated insurer.

What to confirm

  • This contract is filed for California only. It is the nine-year, California-DOI-filing sibling of Orbiter Growth 10 with Premium Bonus on the same Orbiter chassis — buyers outside California should compare against the ten-year version, which is the fifty-jurisdiction (excluding New York) filing of the same product family.
  • 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 a nine-year deferral, not income.
  • The premium bonus vests on a graded schedule that runs the full length of the surrender period, so any partial or full surrender during the surrender window forfeits the unvested portion of the bonus on top of the surrender charge plus a market-value adjustment on amounts above the annual free-withdrawal allowance. Treat the bonus as a long-deferral feature, not a day-one liquidity event — the buyer only fully owns the bonus the same year the contract becomes penalty-free.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — 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 outside California (they should look at Orbiter Growth 10 with Premium Bonus, the fifty-jurisdiction sibling on the same chassis), buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, buyers who want a plain MYGA-style declared rate, buyers who need short-surrender liquidity or expect to take more than the free-withdrawal allowance during the surrender window, and buyers who require an account-value-based death benefit — none of those are what this contract is built to deliver.

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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: 137% · 1-yr

US Multi-Asset Diversified 5 Index

participation

9-yr surrender$150,000+

Par: 134% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

9-yr surrender$150,000+

Par: 119% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrender$150,000+

Par: 86% · 1-yr

US Strategic Balanced Asset 8 Index

participation

9-yr surrender$150,000+

Par: 70% · 1-yr

US Balanced Asset 10 Index

participation

9-yr surrender$150,000+

Par: 58% · 1-yr

US Daily Risk Managed 12 Index

participation

9-yr surrender$150,000+

Cap: 5.8% · 1-yr

S&P 500 Index

cap

9-yr surrender$150,000+

Fixed: 2.45% · 1-yr

Fixed Account

fixed

9-yr surrender$150,000+

Par: 119% · 1-yr

US Multi-Asset Diversified 5 Index

participation

9-yr surrenderUp to $149,999.99

Par: 117% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

9-yr surrenderUp to $149,999.99

Par: 104% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrenderUp to $149,999.99

Par: 75% · 1-yr

US Strategic Balanced Asset 8 Index

participation

9-yr surrenderUp to $149,999.99

Par: 61% · 1-yr

US Balanced Asset 10 Index

participation

9-yr surrenderUp to $149,999.99

Par: 50% · 1-yr

US Daily Risk Managed 12 Index

participation

9-yr surrenderUp to $149,999.99

Cap: 4.8% · 1-yr

S&P 500 Index

cap

9-yr surrenderUp to $149,999.99

Fixed: 2.2% · 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 with Premium Bonus

● Can I lose money in Orbiter Growth 9 with Premium Bonus?

A negative index return by itself does not reduce the contract's account value: Orbiter Growth 9 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 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 with Premium Bonus's crediting strategies compare?

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

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.

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

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

product guide

OrbiterGrowth9.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 with Premium Bonus 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: 4.8% annual cap
  • S&P 500 Index: 5.8% annual cap
  • Fixed Account: 2.2% fixed account rate
  • Fixed Account: 2.45% 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 OrbiterGrowth9.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

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

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