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Fixed Indexed Annuity

Orbiter Income 9

Augustar

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6.05%

Best S&P 500 Annual Cap

10%

Free W/D

California

Only state

Product data status: August 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

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 August 14, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$177,449
Est. value at age 80 (Orbiter Income 9)
6.05%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 50% participation · 4.7% cap (Higher Cap · Annual)
✦
How crediting works: the 50% participation is applied to positive index returns before the 4.7% cap; a down year credits 0%, never a loss. A 50% participation · 4.7% cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Orbiter Income 9's published 50% participation rate before its 4.7% cap 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 August 14, 2026.

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

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rate data

Run numbers for Orbiter Income 9

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Augustar product.

Live product data

Rates as of August 14, 2026, from AdvisorWorld and CANNEX.

GLWB lifetime payout rate

5.05% lifetime payout + 10% roll-up

A California-filed, nine-year-surrender AuguStar FIA with an exact-source Equilibrium Plus lifetime-income option whose payout, fee, and withdrawal-base mechanics are shown separately from index-crediting rates.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

California buyers comparing a rider-led FIA and willing to evaluate the exact Equilibrium Plus payout, fee, withdrawal-base growth, crediting menu, and surrender structure together.

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

  • The current California filing publishes the Equilibrium Plus lifetime-income option, so the rider details shown here stay attached to this exact contract version.
  • The rider details keep the lifetime payout rate, annual rider fee, and withdrawal-base growth mechanics together so the figures are not confused with index caps or participation rates.
  • This nine-year filing is the California sibling of Orbiter Income 10; state availability and contract terms remain attached to the contract shown on the page.

What to confirm

  • The rider fee is separate from the index-crediting terms, and the withdrawal base is not the same as cash surrender value or account value; compare each field in its own context.
  • Payout rates, rider fees, and withdrawal-base growth can depend on the exact income option, issue age, deferral, and filing. Confirm the current carrier illustration before relying on projected lifetime income.
  • Crediting strategies, surrender terms, and state availability can change independently of the rider mechanics, so use the current product page and carrier documents for the complete comparison.

Not ideal for

Buyers seeking a fee-free income mechanism, a plain MYGA-style level guarantee, or a lifetime-income decision without a current carrier illustration and product-specific state review.

Free Comparison Report

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

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All crediting strategies

View rate listings (11 strategies)

These are the current crediting strategies available 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%
Guaranteed roll-up10%/yr

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 scheduled surrender charges run 9 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.

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

Use "Compare against" in the analyzer to overlay another available 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 indexed or fixed crediting options, 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 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.

  • 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 fixed indexed annuity options.

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