Fixed Indexed Annuity

Orbiter Growth 10

AuguStar Financial

8.75%

Best Cap

10%

Free W/D

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

8.75% cap on S&P 500

A ten-year-surrender, accumulation-only fixed indexed annuity from A-rated AuguStar Financial built around a no-fee S&P 500 annual point-to-point cap, with a wide menu of proprietary participation-rate and annual-trigger strategies underneath and a Guaranteed Minimum Account Value rider attached — no income rider, no PIV, no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers outside California and New York who can commit to a ten-year deferral and want a recognizable no-fee S&P 500 annual point-to-point cap alongside a wide menu of proprietary participation-rate and annual-trigger strategies from a tri-agency-rated carrier with a Guaranteed Minimum Account Value rider underneath.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. California, New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

8.75% cap rate

Rate varies by premium band.

1-year term

Up to $150,000

S&P 500

S&P 500 Index

100% participation rate + 6.95% declared rate

Rate varies by premium band.

1-year term

Up to $150,000

Fixed Account

3.85% declared rate

Rate varies by premium band.

1-year term

Up to $150,000

+ 8 volatility-controlled index options (Barclays Global, US Multi-Asset, US Daily...)

Product analyst notes

How to think about this contract

Why it can stand out

Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no strategy fee, so this contract gives a buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
Three annual-trigger declared-rate strategies are available — one on the S&P 500 and two on Macquarie volatility-controlled indexes — giving a buyer a pre-declared crediting amount paid whenever the index closes flat or positive for the year, a distinct mechanic from cap and participation strategies.
An Enhanced Guaranteed Accumulation Protection (EGAP) rider is attached as the contract's Guaranteed Minimum Account Value feature, so a long-deferral buyer has a contractual floor on account value separate from the standard guaranteed-minimum cap and participation rates published on this page.
Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, and the nursing-home waiver are visible directly on this page rather than gated behind a sales brochure; the carrier is reported here as A.M. Best 'A' (Excellent).

What to confirm

This is an accumulation-only fixed indexed annuity. The live feed shows no optional lifetime-income rider, no Protected Income Value chassis, and no premium bonus — do not buy this contract for a guaranteed lifetime withdrawal or for a day-one income-base lift; its job is index-linked growth over the ten-year surrender term.
Surrender lockup runs ten years with a market-value adjustment on amounts above the free-withdrawal allowance — that is on the long end of FIA surrender schedules currently sold and meaningfully longer than the typical seven-year contract on this site. This is also the non-California, non-New York filing: California residents must purchase the sibling Orbiter Growth 9 (a nine-year-surrender filing on the same chassis) at /providers/augustar/fia/orbiter-growth-9 instead, and New York residents are not eligible for either filing.
Most non-S&P index options are proprietary Macquarie or Barclays volatility-controlled indexes paired with participation rates rather than caps. Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself — evaluate each on its own merits rather than headline number alone.
The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal from a GLWB rider, want built-in PIV-style income, need a premium bonus to lift a day-one income base, want short-surrender liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver. California residents should look at the sibling Orbiter Growth 9 (nine-year surrender) instead; New York residents are not eligible.

All crediting strategies

View rate listings (22 rows)

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

Par: 170% · 1-yr

US Multi-Asset Diversified 5 Index

participation