Orbiter Income 5
AuguStar Financial
6.95%
Best Cap
10%
Free W/D
51
States
A fixed indexed annuity that grows your retirement savings based on market index performance while protecting against losses. Designed for retirees who want growth potential with guaranteed principal protection.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Trailblazer Index | Annual | -- | 127% | -- |
| Russell 2000 Index | Monthly | 6.95% | 100% | -- |
| S&P 500 Index | Annual | 5.65% | 50% | -- |
| US Balanced Asset 10 Index | Annual | -- | 79% | -- |
| US Daily Risk Managed 12 Index | Annual | -- | 66% | -- |
| US Multi-Asset Diversified 5 Index | Annual | -- | 145% | -- |
| US Multi-Asset Risk Managed 5 Index | Annual | -- | 142% | -- |
| US Strategic Balanced Asset 8 Index | Annual | -- | 97% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Floor Protection
0% floorYour contract value can never decrease due to market losses
Multiple Index Options
Choose from S&P 500, Russell 2000, and Barclays Global Trailblazer indices
Crediting Strategies
Various methods to calculate interest including annual point-to-point and monthly average
Free Withdrawals
Up to 10% annuallyWithdraw money without surrender charges
GAP Benefit
107% of starting valueGuaranteed minimum growth after surrender period ends
Tax Deferral
No taxes on growth until withdrawn
Highlights
Your money can never lose value due to market downturns - includes a 0% floor protection
Earn interest based on stock market index performance without direct market risk
Optional lifetime income rider with guaranteed 10% growth when not taking withdrawals
Tax-deferred growth until you withdraw funds, potentially increasing accumulation
Multiple crediting strategies let you customize how your money grows
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver
Best For
Best for retirees who want growth potential but cannot afford to lose their principal and may need guaranteed lifetime income.
Consider Alternatives If
Not suitable for investors who need immediate liquidity or want direct stock market participation with unlimited upside potential.
Carrier Ratings
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From the AdvisorWorld.com Community