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AuguStar Financial
AuguStar Financial

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 Years4.70%
5 Years4.50%
7 Years4.50%

Available Guarantee Periods

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

$10,000.00 - $99,999.004.5%
$100,000.00 - $2,000,000.004.7%
Features
Maximum Issue Age92 years

Lifetime Income Details

Payout Options

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
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