OrionShield 9
AuguStar Financial
8.6%
Best Cap
10%
Free W/D
OrionShield is a fixed indexed annuity that offers growth potential tied to market indices while protecting your principal from market losses. It's designed for people at or near retirement who want growth without volatility risk.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$25,000
Surrender
9 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 | -- | 53% | -- |
| S&P 500 Index | Annual | 8.6% | 100% | -- |
| Strategic Dynamic Balanced Asset 8 Index | Annual | -- | 90% | -- |
| Fixed Account | Daily | -- | -- | 3.25% |
Key Features
Contractual Floor
Your principal and credited interest cannot decrease due to market downturns; worst-case scenario is 0% interest credited
Index-Linked Growth
Interest is credited based on the performance of market indices like the S&P 500, without direct stock exposure
Premium Bonus Rider (Optional)
5% to 21% depending on age and option selectedReceive an immediate bonus equal to 5%-21% of your initial investment, which then grows and compounds
Tax-Deferred Growth
Up to 33% more growth over 30 years vs. taxable accounts (in example)No taxes owed on gains until withdrawal; compound growth accelerates without annual tax drag
Multiple Crediting Strategies
Choose from 8 different index-based strategies, including volatility-controlled options and a fixed account alternative
Guaranteed Accumulation Protection (GAP)
After the surrender period ends, you're guaranteed a minimum percentage of credited interest (e.g., 107% of starting value)
Death Benefit
Beneficiaries may receive full account value without surrender charges if death occurs during accumulation phase
Highlights
Your money is protected from market losses with a contractual floor—no downside risk from negative index performance
Potential for higher growth than bonds and CDs when markets perform well, with optional Premium Bonus to accelerate gains
Tax-deferred growth compounds faster, and gains are locked in regularly to protect against future downturns
Multiple crediting strategies to choose from, including volatility-controlled options designed for consistency
Guaranteed Accumulation Protection ensures minimum interest after the surrender period ends
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
After
0%
Best For
People at or nearing retirement who seek growth opportunity for assets they cannot afford to lose and are concerned about market volatility and timing risk.
Consider Alternatives If
Investors who need liquidity within the first 7-10 years, those in high tax brackets who need current income, or anyone requiring direct stock market participation.
Carrier Ratings
Free Comparison Report
Get a personalized OrionShield 9 illustration
See year-by-year projections for your specific age, premium, and income goals.
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From the AdvisorWorld.com Community