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Fixed Indexed Annuity

OrionShield 10

Augustar

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10%

Free W/D

Product data status: updated regularly

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 OrionShield 10 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 1, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$287,742
Est. value at age 80 (OrionShield 10)
7.6%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.6% 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 OrionShield 10's published cap rate (7.6% 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 September 1, 2026.

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Compare current Augustar alternatives

Rates last updated September 1, 2026. This page shows last-known rates — confirm current availability with the carrier. Compare currently available Augustar fixed indexed annuity options for your age, state, premium, and income goals.

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rate data

Run numbers for OrionShield 10

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

Live product data

Rates as of September 1, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. Confirm current terms with the carrier.

An 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.

AdvisorWorld + CANNEX data

Best fit

Readers reviewing the contract structure, liquidity rules, ownership options, and GAP accumulation feature for OrionShield 10 — confirm current availability with the carrier before acting.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

2 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.6% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

Fixed Account

Fixed Account

3.25% declared rate

Fixed account

1-year term · 10-year surrender · Up to $150,000

+ 6 additional crediting options (Nasdaq Night, S&P 500, Balanced...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The contract includes GAP (Guaranteed Accumulation Protection), identified as a Guaranteed Minimum Account Value feature that provides a contract-level accumulation floor subject to the rider terms.
  • Qualified and non-qualified funding are available, and ownership can be individual, joint, trust, or corporate even though the published annuitant type is single.
  • Systematic withdrawals are available, alongside an annual free-withdrawal allowance and a nursing-home surrender waiver.

What to confirm

  • No current growth-strategy menu is published. Confirm current availability with the carrier.
  • The surrender schedule runs ten years and a market value adjustment applies. Return of premium is not available, and the only published surrender waiver is for nursing-home qualification.
  • This is an accumulation contract with no optional lifetime-income rider and no published Protected Income Value feature.
  • Availability is limited to Massachusetts and Tennessee for this contract version.

Not ideal for

Shoppers comparing current crediting terms as if they were live, and anyone who needs an optional lifetime-income rider.

Free Comparison Report

Compare current Augustar alternatives

Rates last updated September 1, 2026. This page shows last-known rates — confirm current availability with the carrier. Compare currently available Augustar fixed indexed annuity options for your age, state, premium, and income goals.

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All crediting strategies

View rate listings (16 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: 139% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $149,999.99

Par: 139% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $149,999.99

Par: 138% · 1-yr

Multi-Asset Dynamic Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 138% · 1-yr

Multi-Asset Dynamic Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 90% · 1-yr

Strategic Dynamic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 90% · 1-yr

Strategic Dynamic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 71% · 1-yr

Dynamic Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 71% · 1-yr

Dynamic Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 53% · 1-yr

Nasdaq Night Owl Index

participation

10-yr surrenderUp to $149,999.99

Par: 53% · 1-yr

Nasdaq Night Owl Index

participation

10-yr surrenderUp to $149,999.99

Par: 49% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrenderUp to $149,999.99

Par: 49% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

participation

10-yr surrenderUp to $149,999.99

Cap: 7.6% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Cap: 7.6% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Accumulation profile

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.

Common questions about OrionShield 10

● Can I lose money in OrionShield 10?

A negative index return by itself does not reduce the contract's account value: OrionShield 10 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, 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.

● 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 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.

● How do OrionShield 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available OrionShield 10 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

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

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

Documents

product guide

Orionshield .pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
FitchA-
Moody'sBaa1

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

OrionShield 10 currently shows 16 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 7.6% annual cap, 0% annual strategy fee
  • S&P 500 Index: 7.6% annual cap
  • Fixed Account: 3.25% fixed account rate, 0% annual strategy fee
  • Fixed Account: 3.25% fixed account rate

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
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

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.

  • 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

Compare current Augustar alternatives

Rates last updated September 1, 2026. This page shows last-known rates — confirm current availability with the carrier. Compare currently available Augustar fixed indexed annuity options for your age, state, premium, and income goals.

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