What is the minimum guaranteed surrender value for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

LunarGuard℠ is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium payment and interest grows tax-deferred. Each year, up to 12% of the contract value may be withdrawn without surrender charges, while withdrawals above this amount during the surrender period may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the guarantee period, the contract generally renews into a new guarantee period of the same length (or the owner may elect a 1-year guarantee period, where available).

What is the minimum premium amount for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

The maximum issue age is 92 years.

What is the current interest rate for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

The current interest rate is 4.45%.

What is the surrender charge schedule for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

Withdrawals exceeding the 12% annual free-withdrawal limit, or a full surrender during the surrender period, are subject to surrender charges and may also incur an MVA. Charges decline annually and reach 0% at the end of the guarantee period. All funds become penalty-free after the surrender period ends.

What are the best rates available for AuguStar – LunarGuard℠ (3-, 5-, 7-Year Terms)?

The best available rate is 4.75% for a 7 year term.

AuguStar Financial

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

About this product

The AuguStar LunarGuard℠ 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.65%
5 Years	4.75%
7 Years	4.75%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	4.45%
$100,000.00 - $2,000,000.00	4.65%

Features
Maximum Issue Age	92 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage