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The surrender charges depend on which version of the LunarGuardSM product you buy, and how long you’ve owned it when you take any withdrawals that are above 12%.

If you pass away before lifetime payments start, you can choose who receives your remaining account value. Other options may exist if you pass away after lifetime payments start, but they’ll depend on how many annual payments you’ve received.

Allows access to your account value without surrender charges if the annuity’s owner requires qualified admission to a hospital or in-patient nursing facility for at least 30 consecutive days. Confinement must begin after the first contract anniversary. Available for issue ages 18-80. Not available in all states.

Each year, you can take out up to 12% of your account value with no penalties.
Annual allowed withdrawal amount: 12% of the account value as of the prior contract anniversary or, in the first year, 12% of the amount you used to purchase the annuity. Withdrawals exceeding this amount will incur the surrender charges described below if taken during the surrender period, which is also detailed below. Withdrawals taken to satisfy Required Minimum Distribution requirements typically won’t incur surrender charges, but please discuss your specific situation with your financial professional or refer to your annuity’s contract or disclosure statement for additional information.

Multi-year guaranteed annuities (also known as “MYGAs”) are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, MYGAs may provide an income stream or a lump sum.

LunarGuard℠ allows penalty-free withdrawals of up to 12% of the account value annually. Withdrawals above this threshold during the surrender charge period are subject to declining surrender charges—starting at 9% in year one and decreasing to 0% by year 4, 6, or 8 depending on the term selected (3, 5, or 7 years respectively). A market value adjustment (MVA) may also apply to excess withdrawals during this period, potentially increasing or decreasing the payout based on interest rate movements. Withdrawals before age 59½ may incur a 10% IRS penalty in addition to income tax. No annual fees apply, and optional waivers for nursing home confinement are available in some states.

: When each guaranteed growth period ends, you’ll start a new guaranteed growth period and a new surrender period (see below), with a new guaranteed growth rate. The new guaranteed growth rate cannot be less than the Guaranteed Minimum Interest Rate specified in your contract.
In most cases, the period will be for the same number of years as the initial guaranteed growth period, unless the period would extend beyond the date the Lifetime Annuity Period would begin.

Don’t want to wait for lifetime payments to kick in? You can choose to take all your account’s value out in one lump sum, but if you do, keep in mind that you won’t have an annuity any longer. That means your growth will stop and you’ll lose the annuity’s other benefits. Also, if you’re in the period above where surrender charges apply, they’ll be taken out of the money you receive.

 is a multi-year guaranteed annuity (MYGA) designed to offer safe, predictable growth for retirement savings. Issued by AuguStar℠ Life Insurance Company, it guarantees a fixed interest rate for 3, 5, or 7 years, with higher rates available for premiums of $100,000 or more. After each guaranteed period, a new rate is offered, and the contract can renew for the same term. The annuity allows tax-deferred accumulation, optional lifetime income starting at age 95 (or earlier by choice), and includes a standard death benefit that pays the remaining contract value to a beneficiary.