Annuity rate data updated daily

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

Fixed Indexed Annuity

Orbiter Income 5

AuguStar Financial

Get my rate report

5.65%

Best S&P 500 Annual Cap

10%

Free W/D

51

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 5 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
$197,133
Est. value at age 80 (Orbiter Income 5)
5.65%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.15% 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 5's published cap rate (4.15% 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 5 rate report

See how Orbiter Income 5 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 5

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 5 is a short, five-year-surrender, A-rated fixed indexed annuity from AuguStar Financial built around a real optional GLWB rider (Equilibrium Plus) with a tiered roll-up on the withdrawal base and a GAP rider that floors the account value at the end of the term.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want lifetime income from a published, optional GLWB rider with a compound roll-up on the withdrawal base, who value a short five-year lockup over the longer surrender windows typical of income FIAs, and who are comfortable with a rider fee charged against the withdrawal base and a single-source A.M. Best A rating from the carrier.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.15% cap rate

Annual cap

1-year term · 5-year surrender · Up to $150,000

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 5-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 via a real, optional GLWB rider — the Equilibrium Plus Rider — with a published withdrawal rate and a compound roll-up on the withdrawal base during deferral, so the income figure on this page is directly comparable to other rider-led FIAs on the site.
  • The withdrawal-base roll-up is contractually defined in two tiers (a primary rate during the early years and a tail rate thereafter), so a buyer can model the growth of the income base across a longer deferral horizon from the rider terms alone.
  • The contract carries an unusually short five-year surrender schedule for an income-led FIA, paired with an annual free-withdrawal allowance and a nursing-home waiver — liquidity discipline is meaningful but the lockup window is shorter than the seven- to ten-year designs typical of the income segment.
  • A separate Guaranteed Accumulation Protection (GAP) rider promises a guaranteed minimum account value at the end of the surrender term, so even a buyer who never elects income has a floor on the contract value at maturity.

What to confirm

  • The Equilibrium Plus Rider charges an explicit annual fee against the withdrawal base, not the account value, and the contract publishes both a current and a maximum fee rate — effective drag can run higher than the current rate if the carrier later moves the fee toward its contractual maximum, so model the rider on both fee levels before committing.
  • The income rider is flagged not RMD-friendly in the live feed, so buyers planning to use this for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions before deferring.
  • There is no premium bonus and no return-of-premium guarantee on this contract — the income story rides entirely on the rider's withdrawal rate and roll-up, with no day-one lift to the income base from the carrier.
  • Annuitization is available on a single-life basis only and joint-life payouts are not offered on this filing — couples who need joint-life lifetime income through annuitization will need a different contract.

Not ideal for

Buyers who need RMD-friendly rider income, a joint-life lifetime payout, a premium bonus that lifts the income base on day one, a rider-fee-free Protected Income Value chassis, or a plain MYGA-style declared rate without any optional rider — none of those are what this contract is built to deliver.

Free Comparison Report

Get a Orbiter Income 5 rate report

See how Orbiter Income 5 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 (24 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

5-yr surrender$150,000+

Par: 150% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

5-yr surrender$150,000+

Par: 134% · 1-yr

Barclays Global Trailblazer Index

participation

5-yr surrender$150,000+

Par: 97% · 1-yr

US Strategic Balanced Asset 8 Index

participation

5-yr surrender$150,000+

Par: 79% · 1-yr

US Balanced Asset 10 Index

participation

5-yr surrender$150,000+

Par: 66% · 1-yr

US Daily Risk Managed 12 Index

participation

5-yr surrender$150,000+

Cap: 5.65% · 1-yr

S&P 500 Index

cap

5-yr surrender$150,000+

Par: 145% · 1-yr

US Multi-Asset Diversified 5 Index

participation

5-yr surrenderUp to $149,999.99

Par: 142% · 1-yr

US Multi-Asset Risk Managed 5 Index

participation

5-yr surrenderUp to $149,999.99

Par: 127% · 1-yr

Barclays Global Trailblazer Index

participation

5-yr surrenderUp to $149,999.99

Par: 92% · 1-yr

US Strategic Balanced Asset 8 Index

participation

5-yr surrenderUp to $149,999.99

Par: 74% · 1-yr

US Balanced Asset 10 Index

participation

5-yr surrenderUp to $149,999.99

Par: 62% · 1-yr

US Daily Risk Managed 12 Index

participation

5-yr surrenderUp to $149,999.99

Cap: 4.15% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $149,999.99

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $149,999.99

Par: 134% · 1-yr

Barclays Global Trailblazer Index

PP

$150,000+

Cap: 5.65% + Par: 50% · 1-yr

S&P 500 Index

Higher Cap · PP

$150,000+

Cap: 6.95% · 1-yr

Russell 2000 Index

AV

$150,000+

Cap: 5.65% · 1-yr

S&P 500 Index

PP

$150,000+

Par: 127% · 1-yr

Barclays Global Trailblazer Index

PP

Up to $149,999.99

Cap: 4.2% + Par: 50% · 1-yr

S&P 500 Index

Higher Cap · PP

Up to $149,999.99

Cap: 5.45% · 1-yr

Russell 2000 Index

AV

Up to $149,999.99

Cap: 4.15% · 1-yr

S&P 500 Index

PP

Up to $149,999.99

Fixed: 3% · 1-yr

Fixed Account

FX

Up 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 5

● Can I lose money in Orbiter Income 5?

A negative index return by itself does not reduce the contract's account value: Orbiter Income 5 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 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Orbiter Income 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Orbiter Income 5 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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

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 5 currently shows 22 distinct indexed or fixed crediting choices across 26 current rate listings, including S&P 500 Index, with 16 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: 4.15% annual cap
  • S&P 500 Index: 5.65% annual cap
  • S&P 500 Index: 4.2% annual point-to-point cap
  • S&P 500 Index: 5.65% annual point-to-point cap

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
  • 5 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 5 rate report

See how Orbiter Income 5 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

Get my rate report

Related Resources