OrionShield 9 with Premium Bonus
AuguStar Financial
5.75%
Best Cap
10%
Free W/D
OrionShield is a fixed indexed annuity designed for people near or in retirement who want growth potential tied to market performance without risking losses from market downturns. Your money grows tax-deferred based on market index performance, but your principal is protected by a contractual floor.
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 | -- | 40% | -- |
| Multi-Asset Dynamic Managed 5 Index | Annual | -- | 95% | -- |
| Nasdaq Night Owl Index | Annual | -- | 28% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 33% | -- |
| S&P 500 Index | Annual | 5.75% | 100% | -- |
| Strategic Dynamic Balanced Asset 8 Index | Annual | -- | 49% | -- |
| Fixed Account | Daily | -- | -- | 2.2% |
Key Features
Contractual Floor
Protects principal and previously credited interestYour account value cannot decline due to market losses; negative index returns result in 0% credited interest, not losses
Tax-Deferred Growth
Can add 33% more growth over 30 years vs. taxable accountsYou pay no taxes on gains until you withdraw money, allowing growth to compound more quickly
Optional Premium Bonus
5% to 21% bonus depending on age and product choiceAdd a percentage bonus (5%-21% depending on age) to your initial investment amount, which also earns interest
Multiple Crediting Strategies
Participation rates and caps determine how much index growth you captureChoose from 8 different index-based strategies (S&P 500, NASDAQ, multi-asset, volatility-controlled) or a fixed account option
Guaranteed Accumulation Protection (GAP)
Guarantees at least 107% of starting contract value after 7-10 year termEnsures you receive a minimum percentage of credited interest after each surrender period ends
Death Benefit
Available until annuitizationBeneficiaries may receive the full account value without penalty if you pass away during the accumulation phase
Highlights
Protection against market losses with a contractual floor that prevents your account value from declining due to market downturns
Growth potential tied to stock market indices without direct market risk or volatility exposure
Tax-deferred growth that compounds faster than taxable investments, potentially adding 33% more growth over 30 years
Optional Premium Bonus that gives you immediate additional funds to start with, which can then earn interest
Guaranteed Accumulation Protection (GAP) feature ensures minimum credited 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
This product is best for individuals at or nearing retirement who want growth potential for assets they cannot afford to lose and are concerned about market volatility and sudden downturns.
Consider Alternatives If
This product may not be suitable for individuals who need frequent access to their money, have a very short time horizon, or are seeking maximum market upside without any crediting caps or participation rate limitations.
Carrier Ratings
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