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Fixed Indexed Annuity

OrionShield 10 with Premium Bonus

Augustar

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4.75%

Best S&P 500 Annual Cap

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 with Premium Bonus 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
$236,360
Est. value at age 80 (OrionShield 10 with Premium Bonus)
10%
Premium bonus offered
S&P 500 Index — 4.75% 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 with Premium Bonus's published cap rate (4.75% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $10,000 premium bonus (10%) = $110,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of September 1, 2026.

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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rate data

Run numbers for OrionShield 10 with Premium Bonus

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.

Current FIA crediting rate

4.75% cap on S&P 500

An AuguStar bonus fixed indexed annuity whose contract, bonus, and liquidity facts are published but which publishes no current growth-strategy rates or lifetime-income rider.

1-year term10-year surrenderUp to $150,000AdvisorWorld + CANNEX data

Best fit

Reviewers who need the bonus, surrender, withdrawal, rider, and state facts for this accumulation contract — and will 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

4.75% cap rate

Annual cap

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

Fixed Account

Fixed Account

2.2% 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 data still publishes a premium bonus with a graded vesting schedule, so existing contractholders can distinguish the credited bonus from the portion that has vested.
  • A GAP guaranteed-minimum-account-value rider is listed separately from lifetime-income benefits; it is an accumulation floor, not a withdrawal-income promise.
  • The full ten-year surrender-charge schedule remains published alongside the market value adjustment, annual free-withdrawal provision, and nursing-home waiver.
  • The live source reports financial-strength ratings from A.M. Best, Fitch, and Moody's rather than presenting a single agency view.

What to confirm

  • It publishes no current indexed or fixed crediting strategies, so this page must not be used as evidence of a currently available cap, participation rate, fixed rate, or strategy menu. Confirm current availability with the carrier.
  • This is an accumulation-only fixed indexed annuity. The current contract data publishes no optional lifetime-income rider and no built-in Protected Income Value chassis.
  • The bonus vesting schedule extends through contract year eleven, while the surrender-charge schedule runs through year ten. Existing contractholders should use their issued contract to determine the vested amount before an early exit.
  • A market value adjustment applies, return of premium does not apply in the base contract, and the fee for the GAP rider is not published in the current feed.

Not ideal for

Anyone comparing current caps or participation rates as if they were live, buyers who need a guaranteed lifetime-withdrawal rider, or readers looking for a version outside Massachusetts and Tennessee.

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: 78% · 1-yr

Multi-Asset Dynamic Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 78% · 1-yr

Multi-Asset Dynamic Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 71% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $149,999.99

Par: 71% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $149,999.99

Par: 49% · 1-yr

Strategic Dynamic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 49% · 1-yr

Strategic Dynamic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 40% · 1-yr

Dynamic Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 40% · 1-yr

Dynamic Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 28% · 1-yr

Nasdaq Night Owl Index

participation

10-yr surrenderUp to $149,999.99

Par: 28% · 1-yr

Nasdaq Night Owl Index

participation

10-yr surrenderUp to $149,999.99

Par: 27% · 1-yr

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

participation

10-yr surrenderUp to $149,999.99

Par: 27% · 1-yr

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

participation

10-yr surrenderUp to $149,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Fixed: 2.2% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Fixed: 2.2% · 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 with Premium Bonus

● Can I lose money in OrionShield 10 with Premium Bonus?

A negative index return by itself does not reduce the contract's account value: OrionShield 10 with Premium Bonus 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 with Premium Bonus's crediting strategies compare?

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

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

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

12%

Yr 2

11%

Yr 3

10%

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 bonus copy 2.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 with Premium Bonus 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: 4.75% annual cap, 0% annual strategy fee
  • S&P 500 Index: 4.75% annual cap
  • Fixed Account: 2.2% fixed account rate, 0% annual strategy fee
  • Fixed Account: 2.2% 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 bonus copy 2.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.

Get my rate report

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