Fixed Indexed Annuity

Orbiter Income 10

AuguStar Financial

4.55%

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.

GLWB lifetime payout rate

6.35% lifetime payout

Orbiter Income 10 is a ten-year-surrender fixed indexed annuity from A-rated AuguStar Financial built around the optional Equilibrium Plus GLWB rider, with a one-year S&P 500 cap plus a bench of proprietary participation-rate strategies underneath.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year surrender who want lifetime income from a real, optional GLWB rider with a stated simple-interest roll-up on the income base and a step-up mechanism, want a recognizable one-year S&P 500 cap alongside proprietary participation-rate strategies underneath that rider, and are comfortable with an A-rated carrier and a cash-surrender-value death benefit.

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

4.55% cap rate

Rate varies by premium band.

1-year term

Up to $150,000

Fixed Account

3% declared rate

1-year term

Up to $150,000

+ 6 volatility-controlled index options (Barclays Global, US Multi-Asset, US Daily...)

Lifetime Income Riders

Income rider

Equilibrium Plus Rider

Lifetime payout rate6.35% lifetime payout

Annual rider fee1.15% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Lifetime income comes from a real, optional GLWB rider — the Equilibrium Plus Rider — with an income base that grows on a stated simple-interest roll-up during deferral and a step-up mechanism, so the income story is contractual rather than a built-in Protected Income Value chassis or a marketing wrapper around index credits.
Index menu pairs a one-year S&P 500 annual point-to-point cap (the like-for-like comparison line) with a wide bench of proprietary volatility-controlled participation-rate strategies — Barclays Global Trailblazer 5, US Multi-Asset Risk Managed 5, US Daily Risk Managed 12, US Balanced Asset 10, US Strategic Balanced Asset 8, and US Multi-Asset Diversified 5 — plus a daily-rate fixed account, so accumulation underneath the rider has both a recognizable index and higher-participation alternatives.
A separately attached GMAV-type rider — GAP (Guaranteed Accumulation Protection) — sits underneath the income rider at no separately listed fee, providing a minimum-account-value floor that a pure GLWB-plus-cap chassis would not, and premium bands step both the S&P 500 cap and the proprietary participation rates up at a stated purchase-payment threshold so larger purchase payments get materially higher index-crediting potential under the same rider.
Carrier financial strength is reported on this page as A.M. Best 'A' (Excellent), so a buyer committing to the ten-year deferral is locking principal with an A-rated insurer rather than an unrated or weakly-rated one.

What to confirm

The Equilibrium Plus Rider carries an explicit annual fee charged on the income base, not the account value — effective cost rises as the income base outgrows the account value over a long deferral, so model the rider fee through the full deferral horizon before committing.
The live feed lists a current rider fee and a separate higher max-scope fee, and the contractual maximum is materially above the current rate — buyers should confirm with the carrier how and when the fee can move from current to max, since a fee increase mid-contract changes the net income math.
The income riders are flagged not RMD-friendly in the live feed — buyers using this contract for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions, particularly once mandatory distributions begin.
Surrender lockup runs the full ten years with a market-value adjustment on amounts above the annual free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than 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, particularly during the surrender window.

Not ideal for

California buyers (this 10-year filing is unavailable in CA — Orbiter Income 9 is the carrier's CA-state-filed sibling on a 9-year surrender, accessible via the cross-link on this page), New York buyers (also excluded), and anyone who needs short-surrender liquidity, RMD-friendly income riders out of the box, a rider-fee-free income mechanism (a Protected Income Value chassis), a plain MYGA-style declared rate, or an account-value-based death benefit — none of those are what this contract is built to deliver.

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: 145% · 1-yr

US Multi-Asset Diversified 5 Index

participation