LunarGuard
About this product
LunarGuard℠ 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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 4.70% |
| 5 Years | 4.50% |
| 7 Years | 4.50% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $10,000.00 - $99,999.00 | 4.5% |
| $100,000.00 - $2,000,000.00 | 4.7% |
| Features | |
| Maximum Issue Age | 92 years |
Lifetime Income Details
Payout Options
Income Calculation
- Total Growth at Payout Age
- $0.00
- Current Age
- 45
- Payout Age
- 65
- Expected Lifetime (years)
- 35
- Payout Option
- Annuitization
- Annual Lifetime Income
- $0.00
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