AuguStar Financial

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About AuguStar Financial

AuguStar Financial offers 15 annuity products tracked on our platform. Higher guaranteed rates for deposits of $100,000 or more, plus the security of knowing your exact growth rate upfront regardless of market conditions.

Product Lineup

LunarGuard MYGA

Multi-Year Guaranteed

Guaranteed growth every year - no market risk, predictable returns

Guaranteed GrowthRate known upfront for entire term

Free Withdrawals12% annually

Term Options3, 5, or 7 years

Premium Range$10,000 - $2 million

Best for: Conservative investors seeking predictable growth without market risk who can co...

LunarLock Prime

Multi-Year Guaranteed

Guaranteed growth rates for 3-7 years with higher rates for $100K+

Guaranteed Growth Period3-7 years

Tiered RatesUp to 5.10% for $100K+

Market Value Adjustment0.05-0.20% rate boost

Automatic RenewalSame term renewal

Best for: Conservative investors who want guaranteed returns and can commit funds for 3-7 ...

Orbiter Growth 10

Fixed Indexed Annuity

Protected growth tied to market indices, no loss of principal

Contractual Floor0% minimum return in down markets

Premium Bonus5% for 7-year, 10% for 10-year contracts

EGAP (Enhanced Guaranteed Accumulation Protection)2.5-4% annual guarantee depending on contract length

Index OptionsIncludes S&P 500, multi-asset, and risk-managed indices

Best for: Individuals nearing retirement or already retired who want growth potential for ...

Orbiter Growth 5

Fixed Indexed Annuity

Market growth potential with zero downside risk and optional bonus

Market Protection0% minimum return

Premium Bonus5% (7-year) or 10% (10-year)

Index OptionsMultiple crediting strategies

GAP Benefit7% minimum per term

Best for: Retirees or pre-retirees who want growth potential but cannot afford to lose the...

Orbiter Growth 5

Fixed Indexed Annuity

Growth + Protection: Upside without the downside risk

Contractual Floor0% minimum annual loss

Index ParticipationVarious participation rates and caps available

Premium Bonus Rider5-10% of initial premium

EGAP Guarantee2.5-4% annually for 5-10 years

Best for: People nearing retirement or already retired who want growth potential for asset...

Orbiter Growth 7

Fixed Indexed Annuity

Growth with downside protection & no market losses

Contractual Floor100% downside protection

Premium Bonus Rider5-10% instant boost depending on contract term

Enhanced Guaranteed Accumulation Protection (EGAP)112.5%-140% of initial investment guaranteed

Index Options with DiversificationMultiple crediting methods: participation rates, caps, triggers

Best for: People nearing or already in retirement who want growth potential without market...

Orbiter Growth 7 with Premium Bonus

Fixed Indexed Annuity

Growth without the downside—protected by a contractual floor

Contractual FloorPrincipal + credited gains fully protected

Premium Bonus Rider5-10% immediate boost

Index Options9 crediting strategy options

Enhanced Guaranteed Accumulation Protection (EGAP)112.5% to 140% of starting balance guaranteed

Best for: People near or in retirement who want growth potential without market risk, have...

Orbiter Growth 9

Fixed Indexed Annuity

Growth with downside protection for retirement

Downside Protection

Premium Bonus Rider5% for 7-year contracts, 10% for 10-year contracts

EGAP (Enhanced Guaranteed Accumulation Protection)2.5-4% annual simple interest depending on contract length

Multiple Index OptionsUS Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, and others

Best for: Orbiter Growth is best for people who are nearing retirement or already retired,...

Orbiter Income 5

Fixed Indexed Annuity

Market growth potential with guaranteed protection from losses

Floor Protection0% floor

Multiple Index Options

Crediting Strategies

Free WithdrawalsUp to 10% annually

Best for: Best for retirees who want growth potential but cannot afford to lose their prin...

OrionShield 10

Fixed Indexed Annuity

Protected growth tied to market indices—no downside risk

Contractual Floor0% minimum annual return

Optional Premium Bonus5% to 21% of initial investment

Tax-Deferred GrowthUp to 33% more growth over 30 years vs. taxable accounts

Multiple Crediting Strategies8 strategy options

Best for: This product is ideal for individuals at or nearing retirement who want to grow ...

OrionShield 5

Fixed Indexed Annuity

Market growth potential with principal protection and tax deferral

Principal Protection0% minimum return

Multiple Index Options6 crediting strategies

Free Withdrawals10% annually

Best for: Individuals at or nearing retirement who want growth potential but cannot afford...

OrionShield 5

Fixed Indexed Annuity

Market growth + downside protection for retirement

Contractual Floor100% principal protection

Index-Based GrowthParticipation in market upside without direct market exposure

Premium Bonus Rider5-21% instant boost, vests over time

Tax-Deferred Growth+13% to +33% more growth over 10-30 years vs. taxable accounts

Best for: This product is ideal for individuals at or nearing retirement, those seeking gr...

OrionShield 7

Fixed Indexed Annuity

Market-linked growth with guaranteed downside protection

Contractual Floor (Downside Protection)Full principal protection

Index-Based Growth PotentialPotentially higher than fixed rates

Tax-Deferred Growth+13% to +33% additional growth over time

Premium Bonus Rider (Optional)5% to 21% instant boost

Best for: People at or near retirement age who want growth for assets they cannot afford t...

OrionShield 7 with Premium Bonus

Fixed Indexed Annuity

Growth + Protection for Retirement

Contractual Floor0% minimum annual return

Index-Based GrowthVaries by strategy; participation rates and caps apply

Premium Bonus (Optional)5%-21% depending on age and product tier

Tax-Deferred GrowthCan add 13%-33% more growth over 10-30 years vs. taxable accounts

Best for: People at or nearing retirement who want to grow assets they can't afford to los...

OrionShield 9

Fixed Indexed Annuity

Growth + Safety: Index-linked annuity with downside protection

Contractual Floor

Index-Linked Growth

Premium Bonus Rider (Optional)5% to 21% depending on age and option selected

Tax-Deferred GrowthUp to 33% more growth over 30 years vs. taxable accounts (in example)

Best for: People at or nearing retirement who seek growth opportunity for assets they cann...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A

Description

Excellent

Effective

May 10, 2024

Rating Agency

Fitch

Rating

A-

Description

Strong

Effective

May 10, 2024

Rating Agency

Moody's

Rating

Baa1

Description

Adequate

Effective

May 10, 2024

AuguStar Financial Products

Fixed Indexed Annuities

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Multi-Year Guaranteed Annuities

Compare AuguStar Financial MYGA products with guaranteed rates and terms.

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Immediate Annuities (SPIA)

View AuguStar Financial single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore AuguStar Financial deferred income and QLAC products.

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