Annuity rate data updated daily

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

Fixed Indexed Annuity

Orbiter Income 10

AuguStar Financial

Get my rate report

6.05%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

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 Income 10 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
$208,800
Est. value at age 80 (Orbiter Income 10)
6.05%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.55% 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 Income 10's published cap rate (4.55% 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 Income 10 rate report

See how Orbiter Income 10 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 Income 10

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.

GLWB lifetime payout rate

5.05% lifetime payout + 10% roll-up

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.

1.15% annual rider feeAdvisorWorld + CANNEX data

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)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.55% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · Up to $150,000

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

Lifetime Income Riders

Income rider

Equilibrium Plus Rider

Lifetime payout rate5.05% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes from a real, optional GLWB rider — the Equilibrium Plus Rider — with an income base that grows on a stated simple-interest roll-up during deferral and a step-up mechanism, so the income story is contractual rather than a built-in Protected Income Value chassis or a marketing wrapper around index credits.
  • Index menu pairs a one-year S&P 500 annual point-to-point cap (the like-for-like comparison line) with a wide bench of proprietary volatility-controlled participation-rate strategies — Barclays Global Trailblazer 5, US Multi-Asset Risk Managed 5, US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, and US Multi-Asset Diversified 5 — plus a daily-rate fixed account, so accumulation underneath the rider has both a recognizable index and higher-participation alternatives.
  • A separately attached GMAV-type rider — GAP (Guaranteed Accumulation Protection) — sits underneath the income rider at no separately listed fee, providing a minimum-account-value floor that a pure GLWB-plus-cap chassis would not, and premium bands step both the S&P 500 cap and the proprietary participation rates up at a stated purchase-payment threshold so larger purchase payments get materially higher index-crediting potential under the same rider.
  • Carrier financial strength is reported on this page as A.M. Best 'A' (Excellent), so a buyer committing to the ten-year deferral is locking principal with an A-rated insurer rather than an unrated or weakly-rated one.

What to confirm

  • The Equilibrium Plus Rider carries an explicit annual fee charged on the income base, not the account value — effective cost rises as the income base outgrows the account value over a long deferral, so model the rider fee through the full deferral horizon before committing.
  • The live feed lists a current rider fee and a separate higher max-scope fee, and the contractual maximum is materially above the current rate — buyers should confirm with the carrier how and when the fee can move from current to max, since a fee increase mid-contract changes the net income math.
  • The income riders are flagged not RMD-friendly in the live feed — buyers using this contract for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions, particularly once mandatory distributions begin.
  • Surrender lockup runs the full ten years with a market-value adjustment on amounts above the annual free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than 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, particularly during the surrender window.

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

Get a Orbiter Income 10 rate report

See how Orbiter Income 10 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 (15 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: 154% · 1-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrender$150,000+

Par: 150% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrender$150,000+

Par: 134% · 1-yr

Barclays Global Trailblazer Index

participation

10-yr surrender$150,000+

Par: 97% · 1-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrender$150,000+

Par: 79% · 1-yr

US Balanced Asset 10 Index

participation

10-yr surrender$150,000+

Par: 66% · 1-yr

US Daily Risk Managed 12 Index

participation

10-yr surrender$150,000+

Cap: 6.05% · 1-yr

S&P 500 Index

cap

10-yr surrender$150,000+

Par: 145% · 1-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 142% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 127% · 1-yr

Barclays Global Trailblazer Index

participation

10-yr surrenderUp to $149,999.99

Par: 92% · 1-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 74% · 1-yr

US Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 62% · 1-yr

US Daily Risk Managed 12 Index

participation

10-yr surrenderUp to $149,999.99

Cap: 4.55% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Income riders

Income rider

Equilibrium Plus Rider

Lifetime withdrawal rate5.05%
Annual rider fee1.15%
Withdrawal-base growth10% roll-up

GLWB

Common questions about Orbiter Income 10

● Can I lose money in Orbiter Income 10?

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 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.

● Is the Equilibrium Plus Rider income rider worth the 1.15% fee?

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 10% roll-up and 5.05% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Orbiter Income 10's crediting strategies compare?

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

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

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

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, Surrender waivers

Documents

product guide

9701-OI.pdf

Confidence: highReviewed Apr 2, 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 Income 10 currently shows 15 distinct indexed or fixed crediting choices across 16 current rate listings, 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: 4.55% annual cap
  • S&P 500 Index: 6.05% annual cap
  • Fixed Account: 3% fixed account rate

Income rider language

What to look for before treating the rider as income

Equilibrium Plus Rider is the main income-rider entry returned 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.

  • 5.05% withdrawal rate
  • 1.15% rider fee

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
  • 10 surrender years
  • Nursing home waiver

Verification note

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

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.

  • 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 Income 10 rate report

See how Orbiter Income 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

Get my rate report

Related Resources