Orbiter Growth 5
AuguStar Financial
9.25%
Best Cap
10%
Free W/D
51
States
A fixed indexed annuity that grows your retirement money based on stock market performance while protecting against losses. Perfect for retirees who want growth potential without market risk.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$25,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Global Trailblazer Index | Annual | -- | 140% | -- |
| S&P 500 Index | Annual | 9.25% | 100% | -- |
| US Balanced Asset 10 Index | Annual | -- | 82% | -- |
| US Daily Risk Managed 12 Index | Annual | -- | 76% | -- |
| US Multi-Asset Diversified 5 Index | Annual | -- | 178% | -- |
| US Multi-Asset Risk Managed 5 Index | Annual | -- | 157% | -- |
| US Strategic Balanced Asset 8 Index | Annual | -- | 101% | -- |
| Fixed Account | Daily | -- | -- | 4.15% |
Key Features
Market Protection
0% minimum returnNever lose money due to market downturns - 0% floor guarantee
Premium Bonus
5% (7-year) or 10% (10-year)Immediate bonus added to your contract value
Index Options
Multiple crediting strategiesChoose from S&P 500, Russell 2000, or Barclays Global Trailblazer indices
GAP Benefit
7% minimum per termGuaranteed minimum growth over each surrender period
Free Withdrawals
10% annuallyAccess up to 10% of your contract value annually without charges
Tax Deferral
Tax-deferred growthNo taxes on growth until withdrawal, allowing faster compounding
Highlights
Your money grows based on stock market gains but is protected from all market losses with a 0% floor
Optional premium bonus of 5% (7-year) or 10% (10-year) gives your retirement savings an immediate boost
Multiple index options and crediting strategies let you customize your growth approach
Tax-deferred growth means more money compounds over time compared to taxable investments
Guaranteed Accumulation Protection ensures minimum 7% growth over each surrender period
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver
Best For
Retirees or pre-retirees who want growth potential but cannot afford to lose their retirement savings to market downturns.
Consider Alternatives If
Investors who need immediate liquidity or want to directly participate in all market gains without limitations.
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