OrionShield 10 with Premium Bonus
AuguStar Financial
8.6%
Best Cap
10%
Free W/D
50
States
OrionShield is a fixed indexed annuity designed for people nearing or in retirement who want growth potential without the risk of market losses. Your money earns interest based on stock market index performance while being protected by a contractual floor that prevents losses.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Dynamic Balanced Asset 10 Index | Annual | -- | 71% | -- |
| Multi-Asset Dynamic Managed 5 Index | Annual | -- | 151% | -- |
| Nasdaq Night Owl Index | Annual | -- | 53% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 49% | -- |
| S&P 500 Index | Annual | 8.6% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 139% | -- |
| Strategic Dynamic Balanced Asset 8 Index | Annual | -- | 98% | -- |
| Fixed Account | Daily | -- | -- | 3.25% |
Key Features
Downside Protection
Contractual floor guaranteeYour contract value cannot lose money due to market downturns. If index returns are zero or negative, you earn 0% but never lose principal.
Index-Based Growth
Multiple index strategy optionsYour credited interest is based on the performance of market indices like the S&P 500, with potential for higher returns than bonds or CDs when markets perform well.
Premium Bonus Rider
5% to 21% bonus based on ageOptionally add a bonus equal to 5-21% of your initial investment (depending on age and product version), which can grow and compound like the rest of your contract.
Tax-Deferred Growth
33% more growth potential over 30 yearsYou don't pay taxes on gains until you withdraw, allowing your money to compound faster and potentially grow 13-33% more over 10-30 years.
Guaranteed Accumulation Protection (GAP)
107% guarantee per crediting termAfter your surrender period ends, you're guaranteed a minimum percentage increase in contract value (e.g., 107% for a 7-year term), then the process repeats.
Multiple Crediting Strategies
8 crediting strategy optionsChoose from volatility-controlled indices, multi-asset strategies, or traditional S&P 500 indexing to match your risk tolerance and retirement goals.
Highlights
Your money is protected against market losses—the contract value cannot go down due to market downturns
Growth potential tied to stock market indices without direct stock market risk
Optional Premium Bonus gives you extra money upfront that can compound over time
Tax-deferred growth means your gains compound faster until you withdraw
Guaranteed Accumulation Protection ensures minimum growth after the surrender period ends
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
9%
Yr 4
9%
Yr 5
8%
Yr 6
7%
Yr 7
6%
Yr 8
5%
Yr 9
4%
Yr 10
3%
After
0%
Nursing home waiver
Best For
People at or nearing retirement who have assets they can't afford to lose, want growth potential without market risk, and are concerned about market volatility and bad timing in retirement.
Consider Alternatives If
People who need access to their full account value within the surrender period without penalties, or those who believe they can beat the market and want unlimited upside exposure.
Carrier Ratings
Free Comparison Report
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