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4.55%
Best S&P 500 Annual Cap
10%
Free W/D
50
Available jurisdictions
Product data status: October 14, 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
Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Gross crediting illustration for each line; excludes the 1.15% annual Equilibrium Plus Rider charge (income option; applicability depends on contract terms); 1.15% annual Equilibrium Plus Rider charge (income option; applicability depends on contract terms).
Free Comparison Report
See how Orbiter Income 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Augustar product.
Live product data
Rates as of October 14, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
Orbiter Income 10 is a ten-year-surrender fixed indexed annuity from A-rated AuguStar Financial built around the optional Equilibrium Plus GLWB rider, with a one-year S&P 500 cap plus a bench of proprietary participation-rate strategies underneath.
Best fit
Buyers committing to a ten-year surrender who want lifetime income from a real, optional GLWB rider with a stated simple-interest roll-up on the income base and a step-up mechanism, want a recognizable one-year S&P 500 cap alongside proprietary participation-rate strategies underneath that rider, and are comfortable with an A-rated carrier and a cash-surrender-value death benefit.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. California, New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
4.55% cap rate
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
S&P 500
S&P 500 Index
Rate not shown
Rate effective Dec 15, 2025
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
Fixed Account
Fixed Account
3% declared rate
Fixed account
Requested state: TX
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
Fixed Account
Fixed Account
Rate not shown
Rate effective Dec 15, 2025
Fixed account
Requested state: TX
1-year term · 10-year surrender · Up to $150,000
1-year term
10-year surrender
Up to $150,000
Income rider
Product analyst notes
Not ideal for
California buyers (this 10-year filing is unavailable in CA — Orbiter Income 9 is the carrier's CA-state-filed sibling on a 9-year surrender, accessible via the cross-link on this page), New York buyers (also excluded), and anyone who needs short-surrender liquidity, RMD-friendly income riders out of the box, a rider-fee-free income mechanism (a Protected Income Value chassis), a plain MYGA-style declared rate, or an account-value-based death benefit — none of those are what this contract is built to deliver.
Free Comparison Report
See how Orbiter Income 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Par: 145% · 1-yr
US Multi-Asset Diversified 5 Index
Point-to-point
Par: 142% · 1-yr
US Multi-Asset Risk Managed 5 Index
Point-to-point
Par: 127% · 1-yr
Barclays Global Trailblazer Index
Point-to-point
Par: 92% · 1-yr
US Strategic Balanced Asset 8 Index
Point-to-point
Par: 74% · 1-yr
US Balanced Asset 10 Index
Point-to-point
Par: 62% · 1-yr
US Daily Risk Managed 12 Index
Point-to-point
Cap: 4.55% · 1-yr
S&P 500 Index
Point-to-point
Fixed: 3% · 1-yr
Fixed Account
Fixed account
Rate not shown · 1-yr
Fixed Account
Fixed account
Rate not shown · 1-yr
S&P 500 Index
Point-to-point
Rate not shown · 1-yr
Barclays Global Trailblazer Index
Point-to-point
Rate not shown · 1-yr
US Multi-Asset Risk Managed 5 Index
Point-to-point
Rate not shown · 1-yr
US Daily Risk Managed 12 Index
Point-to-point
Rate not shown · 1-yr
US Balanced Asset 10 Index
Point-to-point
Rate not shown · 1-yr
US Strategic Balanced Asset 8 Index
Point-to-point
Rate not shown · 1-yr
US Multi-Asset Diversified 5 Index
Point-to-point
Published rider charge: Not shown. This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.
Income rider
GLWB
Income rider
GLWB
A negative index return by itself does not reduce the contract's account value: Orbiter Income 10 credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, 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.
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the published roll-up (10%/yr · simple · for up to 10 years) and 5.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another available Orbiter Income 10 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver
product guide
Direct link not published — request the document from the carrier.
Crediting design
Orbiter Income 10 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, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Income rider language
Equilibrium Plus Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
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.
Verification note
Carrier materials such as 9701-OI.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Orbiter Income 10 compares for your age, state, premium, and income goals alongside other Augustar fixed indexed annuity options.
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