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10%
Free W/D
Product data status: September 4, 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.
rate data
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Augustar product.
Available only in Massachusetts, Tennessee
rates are shown when this state is selected. This product is state-restricted, and the available data does not include rates for the selected scenario.
Live product data
Rates as of September 4, 2026, from AdvisorWorld and CANNEX.
A current headline metric is not available for this product. Confirm current terms with the carrier.
A closed, accumulation-focused fixed indexed annuity from AuguStar Financial with a ten-year surrender schedule, a market value adjustment, a GAP minimum-account-value feature, and no current growth-strategy menu or income rider.
Best fit
Existing OrionShield 10 contract holders reviewing the published contract structure, liquidity rules, ownership options, and GAP accumulation feature.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
10%/yr
Availability
2 states (restricted footprint)
Caps, participation rates, and declared rates are shown separately.
Product analyst notes
Not ideal for
New buyers seeking a currently available FIA, shoppers comparing current crediting terms, and anyone who needs an optional lifetime-income rider.
Free Comparison Report
OrionShield 10 is closed and has no current rate offering in the feed. Compare currently available Augustar fixed indexed annuity options for your age, state, premium, and income goals.
Accumulation-focused contract
The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.
No. The current product feed publishes contract and liquidity facts for OrionShield 10, but no current indexed or fixed crediting strategies. Historical rates are not substituted. Confirm any new rate offering directly with the carrier.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Availability can vary by state and product terms.
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
product guide
Direct link not published — request the document from the carrier.
Liquidity terms
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.
Verification note
Carrier materials such as Orionshield .pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
OrionShield 10 is closed and has no current rate offering in the feed. Compare currently available Augustar fixed indexed annuity options for your age, state, premium, and income goals.
Machine-readable citation contract
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