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Fixed Indexed Annuity

Observatory Bonus 10

AuguStar Financial

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6%

Best S&P 500 Annual Cap

5%

Free W/D

48

Available jurisdictions

Product data status: July 16, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Observatory Bonus 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$253,872
Est. value at age 80 (Observatory Bonus 10)
14%
Premium bonus offered
S&P 500 Index — 5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Observatory Bonus 10's published cap rate (5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $14,000 premium bonus (14%) = $114,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Observatory Bonus 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Observatory Bonus 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this AuguStar Financial product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

6% cap on S&P 500

A long-term AuguStar bonus FIA pairing a vesting issue credit with a no-fee one-year S&P 500 cap and a broad indexed strategy menu.

1-year term10-year surrender$150,000+AdvisorWorld + CANNEX data

Best fit

Accumulation buyers who value an upfront account-value credit, can hold through the vesting and surrender schedules, and want several index-crediting approaches.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

5%/yr

Availability

48 jurisdictions (excl. California, Massachusetts, New York, Tennessee)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

S&P 500

S&P 500 Index

Alpha 20 — 20% allocation

8.5% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

S&P 500

S&P 500 Index

Alpha 40 — 40% allocation

5.5% cap rate

Annual cap

1-year term · 10-year surrender · Up to $150,000

Fixed Account

Fixed Account

2.55% declared rate

Fixed account

1-year term · 10-year surrender · Up to $150,000

Rate varies by premium band.

+ 37 additional crediting options (Barclays Global, US Multi-Asset, US Daily...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A source-backed premium bonus adds account value at issue for buyers who remain through its graded vesting schedule.
  • The crediting menu combines a fixed account, an annual S&P 500 cap, proprietary-index participation and trigger choices, and blended allocation options.

What to confirm

  • The premium bonus is not immediately portable, and its vesting schedule extends beyond the surrender window.
  • A long surrender commitment and limited routine withdrawal allowance make early access more consequential.

Not ideal for

Buyers seeking contractual lifetime income, short-window liquidity, a fully portable bonus at issue, or a simple MYGA-style guarantee.

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See how Observatory Bonus 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (43 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 6% · 1-yr

S&P 500 Index

cap

10-yr surrender$150,000+

Fixed: 2.95% · 1-yr

Fixed Account

fixed

10-yr surrender$150,000+

Par: 101% · 7-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrender$150,000+

Par: 100% + Declared: 4.1% · 7-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrender$150,000+

Par: 100% + Declared: 4.2% · 7-yr

US Balanced Asset 10 Index

trigger

10-yr surrender$150,000+

Par: 99% · 7-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrender$150,000+

Par: 89% · 7-yr

Barclays Global Trailblazer Index

participation

10-yr surrender$150,000+

Par: 64% · 7-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrender$150,000+

Par: 52% · 7-yr

US Balanced Asset 10 Index

participation

10-yr surrender$150,000+

Par: 43% · 7-yr

US Daily Risk Managed 12 Index

participation

10-yr surrender$150,000+

Par: 123% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha Max — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 121% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha Max — 25% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 108% · 1-yr

Barclays Global Trailblazer Index

Alpha Max — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 84% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 20 — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 84% · 1-yr

US Multi-Asset Diversified 5 Index

Alpha 40 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 82% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 20 — 20% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 82% · 1-yr

US Multi-Asset Risk Managed 5 Index

Alpha 40 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 78% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha Max — 25% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 74% · 1-yr

Barclays Global Trailblazer Index

Alpha 20 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 74% · 1-yr

Barclays Global Trailblazer Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 63% · 1-yr

US Balanced Asset 10 Index

Alpha Max — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 53% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 20 — 15% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 53% · 1-yr

US Strategic Balanced Asset 8 Index

Alpha 40 — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 52% · 1-yr

US Daily Risk Managed 12 Index

Alpha Max — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 43% · 1-yr

US Balanced Asset 10 Index

Alpha 20 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 43% · 1-yr

US Balanced Asset 10 Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 35% · 1-yr

US Daily Risk Managed 12 Index

Alpha 20 — 10% allocation · participation

10-yr surrenderUp to $149,999.99

Par: 35% · 1-yr

US Daily Risk Managed 12 Index

Alpha 40 — 5% allocation · participation

10-yr surrenderUp to $149,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

Alpha 20 — 20% allocation · cap

10-yr surrenderUp to $149,999.99

Cap: 5.5% · 1-yr

S&P 500 Index

Alpha 40 — 40% allocation · cap

10-yr surrenderUp to $149,999.99

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $149,999.99

Fixed: 2.55% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $149,999.99

Par: 100% + Declared: 3.4% · 7-yr

US Daily Risk Managed 12 Index

trigger

10-yr surrenderUp to $149,999.99

Par: 100% + Declared: 3.45% · 7-yr

US Balanced Asset 10 Index

trigger

10-yr surrenderUp to $149,999.99

Par: 84% · 7-yr

US Multi-Asset Diversified 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 82% · 7-yr

US Multi-Asset Risk Managed 5 Index

participation

10-yr surrenderUp to $149,999.99

Par: 74% · 7-yr

Barclays Global Trailblazer Index

participation

10-yr surrenderUp to $149,999.99

Par: 53% · 7-yr

US Strategic Balanced Asset 8 Index

participation

10-yr surrenderUp to $149,999.99

Par: 43% · 7-yr

US Balanced Asset 10 Index

participation

10-yr surrenderUp to $149,999.99

Par: 35% · 7-yr

US Daily Risk Managed 12 Index

participation

10-yr surrenderUp to $149,999.99

Rate not shown · 7-yr

Alpha 20

Alpha 20 · Allocation model

Up to $149,999.99

Rate not shown · 7-yr

Alpha 40

Alpha 40 · Allocation model

Up to $149,999.99

Rate not shown · 7-yr

Alpha Max

Alpha Max · Allocation model

Up to $149,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Observatory Bonus 10

● Can I lose money in Observatory Bonus 10?

A negative index return by itself does not reduce the contract's account value: Observatory Bonus 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Observatory Bonus 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Observatory Bonus 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Premium bonus

14%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

2.5%

Yr 9

1.5%

Yr 10

0.5%

After

0%

Nursing home waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA
S&PA-
Moody'sBaa1

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Observatory Bonus 10 currently shows 41 distinct indexed or fixed crediting choices across 43 displayed rate entries, including S&P 500 Index, with 35 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 8.5% annual cap, Alpha 20 — 20% allocation
  • S&P 500 Index: 5.5% annual cap, Alpha 40 — 40% allocation
  • S&P 500 Index: 6% annual cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product information for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Observatory Bonus 10 compares for your age, state, premium, and income goals alongside other AuguStar Financial fixed indexed annuity options.

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