NEW - Try our beta Annuity Rates Simulator

Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

Understanding Why Fixed Indexed Annuities Have Different Withdrawal-Charge Versions

Integrating Annuities into a Roth Conversion Strategy for FIRE

The Tax Play: How Certain Annuities Can Smooth Out FIRE Income

Why Many FIRE Advocates Avoid Annuities (and When They Should Consider)

Tax Optimization and Annuities: Smart Strategies for Retirees and Early Retirees

Using QLACs (Qualified Longevity Annuity Contracts) to Protect Against Outliving FIRE Savings

Buying Annuities in a High-Interest-Rate Environment: Timing Strategies for FIRE Planners

Partial FIRE + Partial Annuity: Designing a Hybrid Retirement Income Plan

Dynamic FIRE Withdrawal Strategies and Annuities

Deferred Income Annuities for the FIRE Crowd 

Best Fixed Annuity Rates in 2025

Best Fixed Indexed Annuities in 2025

Best Immediate and Deferred Annuities Rates 2025

Best Variable Annuities and Rates – A 2025 Guide for Potential Investors

How to Get the Best Annuity Rates in 2025: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

Declining surrender charges apply to withdrawals exceeding the penalty-free allowance. Market Value Adjustment (MVA) may apply, increasing or decreasing the surrender value depending on rate conditions.

Account value paid to beneficiary without surrender charge.

Issued by AuguStar Life, LunarLock℠ Prime guarantees fixed interest accumulation for the selected term. It includes a tiered premium structure—higher rates for deposits of $100,000+—and automatic renewal at maturity.

Automatically renews for the same term at the then-current declared rate unless withdrawn or annuitized.

Account Value minus applicable charges and MVA (if applicable).

 Prime is a single-premium MYGA offering guaranteed interest rates over 3-, 5-, and 7-year terms with flexible liquidity and principal protection. It allows 10% penalty-free withdrawals annually and includes an MVA for rate-protection flexibility. Designed for disciplined savers who want predictable accumulation and conservative returns, it provides reliable tax-deferred growth and straightforward access to funds when needed.

Withdrawals exceeding the penalty-free limit or full surrenders during the term are subject to declining surrender charges. An MVA may increase or decrease the value of withdrawals above the free limit depending on rate movements.

 paid to beneficiaries (no surrender charge upon death).

 or RMDs if greater, without surrender charge.

Single-Premium Deferred Annuity available for both Qualified and Non-Qualified accounts.

Issued by AuguStar Life, LunarGuard℠ guarantees a fixed rate for the chosen term, with rates typically higher for premium bands of $100,000+. Growth is tax-deferred, and principal is fully protected. The policy allows partial liquidity each year and a choice of renewal or withdrawal at the end of the term.

Automatically renews at then-current rate for same term unless withdrawn or annuitized.

Account Value minus applicable surrender charges and MVA (if applicable).

 Multi-Year Guaranteed Annuity (MYGA) is a single-premium, fixed annuityoffering guaranteed interest accumulation for 3-, 5-, or 7-year terms. Designed for clients seeking steady, tax-deferred growth with higher liquidity access, it provides principal protection, market-value adjustment (MVA) flexibility, and 12% annual penalty-free withdrawals. Backed by AuguStar Life, this product suits conservative investors who want stability with enhanced flexibility.

AuguStar – LunarLock℠ Prime (3-, 5-, 7-Year Terms)

AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)