LunarLock Prime
AuguStar Financial
5.1%
Best Rate
10%
Free W/D
51
States
A fixed annuity that guarantees your growth rate for 3, 5, or 7 years, with higher rates for larger account balances. Perfect for conservative investors who want predictable returns.
Free Withdrawal
10%/yr
Available In
51 states
Min Premium
$10,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.5% |
| 5-Year | 5.1% |
| 7-Year | 5.1% |
Key Features
Guaranteed Growth Period
3-7 yearsChoose 3, 5, or 7 year guarantee periods
Tiered Rates
Up to 5.10% for $100K+Higher rates for accounts $100,000 and above
Market Value Adjustment
0.05-0.20% rate boostOptional feature that provides higher rates but adjusts withdrawal values based on interest rate changes
Automatic Renewal
Same term renewalContract automatically renews for same term unless you choose 1-year period
Highlights
Guaranteed growth rates up to 5.10% annually for accounts over $100,000
Choose your guarantee period: 3, 5, or 7 years based on your timeline
Higher rates available with Market Value Adjustment feature
Automatic renewal at end of guarantee period with rate notification
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver
Best For
Conservative investors who want guaranteed returns and can commit funds for 3-7 years.
Consider Alternatives If
People who need frequent access to their money or want growth potential beyond fixed rates.
Carrier Ratings
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