Fixed Indexed Annuity

Orbiter Growth 9

AuguStar Financial

8.75%

Best Cap

10%

Free W/D

California

Only state

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 28, 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

The California filing of AuguStar's Orbiter Growth chassis: an accumulation-focused, A-rated, 9-year fixed indexed annuity built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies, with a no-fee Guaranteed Accumulation Protection floor and no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

California buyers committing to a 9-year deferral who want accumulation-focused exposure through a recognizable no-fee S&P 500 cap alongside a menu of proprietary participation-rate strategies, backed by an A-rated carrier and a no-fee Guaranteed Accumulation Protection floor. This is the California filing of the Orbiter Growth chassis — buyers in any other state should look at the 10-year version (Orbiter Growth 10) instead, since California regulation is the reason the surrender period here is nine years rather than ten.

AM Best

A Excellent

Surrender period

9 years

Free withdrawal

10%/yr

Availability

California only

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

Fixed Account

3.85% declared rate

Rate varies by premium band.

1-year term

Up to $150,000

+ 6 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 California buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
The index menu is wide for a 9-year contract — the S&P 500 cap sits alongside the Barclays Global Trailblazer Index and a family of Marquee proprietary risk-managed and multi-asset indexes (US Multi-Asset Risk Managed 5, US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, US Multi-Asset Diversified 5), so a buyer can choose between like-for-like cap exposure and several volatility-controlled participation-rate alternatives.
A no-fee Guaranteed Accumulation Protection (GAP) rider is built into the contract as a Guaranteed Minimum Account Value floor, so the contract has an explicit accumulation backstop on top of whatever the crediting strategies deliver year by year.
Free-withdrawal allowance, the full year-by-year 9-year surrender ladder, the market-value-adjustment flag, and the contract's guaranteed-minimum cap, participation, and fixed-rate floors are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

This is the California-only filing of the Orbiter Growth chassis. California's Department of Insurance caps fixed indexed annuity surrender periods at nine years, so this is the 9-year version of the same product that ships as Orbiter Growth 10 (a 10-year surrender) in the other fifty jurisdictions (every US state except California and New York, plus DC and Puerto Rico) — the chassis, crediting menu, and rider design are the same; the surrender length is the regulatory difference. Buyers outside California should compare against the 10-year filing instead.
This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis, so do not buy this contract for a guaranteed lifetime withdrawal — its job is index-linked growth over the 9-year term, not income.
Most of the non-S&P index options are proprietary volatility-controlled or risk-managed indexes (Barclays Global Trailblazer, the Marquee MQI family). 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.
Surrender lockup runs the full nine years with a market-value adjustment on amounts above the published free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — early exits carry both a surrender charge and MVA interest-rate sensitivity, and 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 rate from a GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity inside the 9-year window, or require an account-value-based death benefit — none of those are what this contract is built to deliver. Also not the right filing for buyers outside California, who should compare the 10-year sibling (Orbiter Growth 10) instead.

All crediting strategies

View rate listings (16 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