OrionShield 7
AuguStar Financial
8.6%
Best Cap
10%
Free W/D
51
States
OrionShield is a fixed indexed annuity that combines market-linked growth potential with downside protection, designed for people near or in retirement who want to grow their savings without risking losses to market volatility.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Dynamic Balanced Asset 10 Index | Annual | -- | 64% | -- |
| Multi-Asset Dynamic Managed 5 Index | Annual | -- | 140% | -- |
| Nasdaq Night Owl Index | Annual | -- | 54% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 50% | -- |
| S&P 500 Index | Annual | 8.6% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 125% | -- |
| Strategic Dynamic Balanced Asset 8 Index | Annual | -- | 91% | -- |
| Fixed Account | Daily | -- | -- | 3.15% |
Key Features
Contractual Floor (Downside Protection)
Full principal protectionYour account value cannot go down due to market losses. If the index has negative returns, you earn 0% interest instead of losing money.
Index-Based Growth Potential
Potentially higher than fixed ratesYour credited interest is based on the performance of specific market indices like the S&P 500. You may earn higher rates than bonds or CDs when markets perform well.
Tax-Deferred Growth
+13% to +33% additional growth over timeYou don't pay taxes on gains until you withdraw them, allowing your money to compound faster. Over 30 years, tax deferral can add 33% more growth than taxable investments.
Premium Bonus Rider (Optional)
5% to 21% instant boostReceive an immediate bonus equal to 5-21% of your initial investment (depending on age and contract type), which also grows and compounds over time.
Guaranteed Accumulation Protection (GAP)
Minimum 107% protection per termAfter the surrender period ends, you're guaranteed a minimum percentage of credited interest (e.g., 107% for a 7-year term), ensuring your account grows to at least that level.
Multiple Crediting Strategies
8 index strategies + fixed accountChoose from 8 different index-based strategies and a fixed account option, each with different volatility profiles and growth potential to match your comfort level.
Death Benefit
Full value to beneficiariesIf you pass away during the accumulation phase, your beneficiary can receive the full account value without penalty.
Highlights
Protects your principal with a contractual floor—your money cannot lose value due to market downturns
Earn interest based on stock market index performance when markets perform well, with gains locked in regularly
Optional Premium Bonus gives your retirement assets an immediate boost at the start
Tax-deferred growth compounds faster than taxable investments, accelerating your retirement savings
Choose from multiple crediting strategies tailored to your risk tolerance and retirement goals
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver
Best For
People at or near retirement age who want growth for assets they cannot afford to lose and are concerned about market losses and sudden market swings.
Consider Alternatives If
People who need immediate access to their money without penalties, or those seeking unrestricted liquidity, should avoid this product due to surrender charges during the initial contract term.
Carrier Ratings
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From the AdvisorWorld.com Community