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Fixed Indexed Annuity

Orbiter Income 9

AuguStar Financial

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6.65%

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 Income 9 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
$150,841
Est. value at age 80 (Orbiter Income 9)
6.65%
Best S&P 500 1-yr point-to-point cap
Russell 2000 Index — 5.95% Monthly cap (Monthly Avg Cap)
✦
How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; a down year credits 0%, never a loss. A monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return. What is a cap vs participation? →
Assumptions: illustrative — applies Orbiter Income 9's published monthly cap (5.95% on Russell 2000 Index) to a calibrated proprietary/volatility-controlled hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 5, 2026.

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

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Live rate data

Run live numbers for Orbiter Income 9

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

The California-only filing of AuguStar's income-led indexed annuity — a nine-year-surrender chassis from a tri-agency-rated carrier with a real optional GLWB rider (Equilibrium Plus) whose income base grows on a roll-up schedule during deferral, sitting on a mixed S&P 500, Barclays Trailblazer, and Russell 2000 index menu.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

California residents committing to a nine-year surrender who want lifetime income from a real, optional GLWB rider with an income-base roll-up during deferral, and who are single-life buyers comfortable with a non-RMD-friendly rider in exchange for a tri-agency-rated carrier and a multi-index growth menu.

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

Higher Cap

4.7% cap rate + 50% participation rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.55% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

3% declared rate

Fixed account

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

+ 6 additional crediting options (Barclays Global, Russell 2000...)

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 roll-up that grows the income base during deferral, so the headline withdrawal rate is paid against a base that can outgrow the account value before income turns on.
  • 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 carrier rather than an unrated or weakly-rated one.
  • Index menu blends a recognizable S&P 500 annual point-to-point cap (with a higher-cap variant that runs at a participation rate), a Barclays Global Trailblazer participation strategy, and a Russell 2000 small-cap strategy — giving the income story multiple growth paths underneath, plus a daily-rate fixed account for principal-preserving deferral.
  • A Guaranteed Accumulation Protection (GAP) rider is included on the chassis, providing a guaranteed minimum account value floor in addition to the standard FIA index-loss protection.

What to confirm

  • This is the California-only filing of the chassis — buyers outside California cannot purchase this contract and should look at orbiter-income-10, the 50-jurisdiction sibling that runs the same chassis on a ten-year surrender schedule.
  • The GLWB rider fee is charged on the income base, not the account value — at the maximum fee scope the effective annual cost runs materially higher than the current fee rate, so model the rider through the full deferral horizon before committing.
  • The income rider is flagged not RMD-friendly in the live feed and is filed single-life only — buyers using this for qualified retirement money, or couples wanting joint-life income, should confirm carrier mechanics before relying on the rider.
  • The nine-year surrender window is one year shorter than the sibling chassis but still long — exiting before year ten incurs a graded surrender charge on top of any market-value adjustment, and the income base built during deferral is forfeited on full surrender.

Not ideal for

Buyers outside California (orbiter-income-10 is the fifty-jurisdiction sibling that ships in every US state except California and New York, plus DC and Puerto Rico); buyers who need short-surrender liquidity, RMD-friendly income, joint-life income, a rider-fee-free income mechanism (a Protected Income Value chassis), or a plain MYGA-style fixed-rate guarantee — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (11 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: 134% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrender$150,000+

Cap: 6.65% + Par: 50% · 1-yr

S&P 500 Index

Higher Cap · cap

9-yr surrender$150,000+

Cap: 7.45% · 1-yr

Russell 2000 Index

monthly_avg_cap

9-yr surrender$150,000+

Cap: 6.05% · 1-yr

S&P 500 Index

cap

9-yr surrender$150,000+

Par: 170% · 3-yr

Barclays Global Trailblazer Index

participation

9-yr surrender$150,000+

Par: 127% · 1-yr

Barclays Global Trailblazer Index

participation

9-yr surrenderUp to $149,999.99

Cap: 4.7% + Par: 50% · 1-yr

S&P 500 Index

Higher Cap · cap

9-yr surrenderUp to $149,999.99

Cap: 5.95% · 1-yr

Russell 2000 Index

monthly_avg_cap

9-yr surrenderUp to $149,999.99

Cap: 4.55% · 1-yr

S&P 500 Index

cap

9-yr surrenderUp to $149,999.99

Fixed: 3% · 1-yr

Fixed Account

fixed

9-yr surrenderUp to $149,999.99

Par: 150% · 3-yr

Barclays Global Trailblazer Index

participation

9-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 9

● Can I lose money in Orbiter Income 9?

A negative index return by itself does not reduce the contract's account value: Orbiter Income 9 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 9 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Orbiter Income 9's crediting strategies compare?

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

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%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

After

0%

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 9 currently shows 11 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index, with 6 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: 4.7% annual cap
  • S&P 500 Index: 4.55% annual cap
  • S&P 500 Index: 6.65% annual cap
  • S&P 500 Index: 6.05% annual 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
  • 9 surrender years

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

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

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