Fixed Indexed Annuity

Orbiter Income 7

AuguStar Financial

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

GLWB lifetime payout rate

6.85% lifetime payout

A seven-year-surrender fixed indexed annuity from A-rated AuguStar Financial built around a real optional GLWB — the Equilibrium Plus Rider — with a tiered roll-up on the withdrawal base during deferral, plus an accumulation menu of S&P 500 caps, a Russell 2000 monthly-average cap, and several proprietary participation-rate indexes underneath.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a seven-year surrender who want lifetime income from a real, optional GLWB rider — with a tiered withdrawal-base roll-up during deferral — and who can underwrite the rider's published current fee plus the higher contractually-maximum fee the carrier can move to over time.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. New York)

Featured crediting strategies

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

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

4.85% cap rate

Rate varies by premium band.

1-year term

Up to $150,000

S&P 500

S&P 500 Index

5% cap rate + 50% participation 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

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

Lifetime Income Riders

Income rider

Equilibrium Plus Rider

Lifetime payout rate6.85% 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 through a real, named optional GLWB — the Equilibrium Plus Rider — with a published lifetime withdrawal rate by issue-age band, so a buyer evaluating rider-led income can read the payout rate directly off this page rather than waiting on a carrier illustration.
The withdrawal base grows during deferral via a tiered roll-up — a higher first-tier rate stepping down to a lower ongoing tier — so the income amount a buyer eventually withdraws can be materially larger than the premium deposited.
The rider publishes two fee scopes — a current rate and a contractually maximum rate — so a buyer can see both the in-force charge and the worst-case charge the carrier can move to over the life of the contract, rather than only the headline number.
The accumulation menu underneath the rider includes a recognizable S&P 500 annual point-to-point cap and a Russell 2000 monthly-average cap alongside a wide set of proprietary participation-rate indexes, so the income story has both like-for-like and diversified growth paths feeding the income base.

What to confirm

The Equilibrium Plus Rider fee is charged on the income/withdrawal base, not the account value, and the contract publishes a current rate and a higher maximum rate the carrier can move to — effective cost can run higher than the current rate as the base grows above the account value and again if the carrier raises the charge toward the cap.
The income rider is flagged not RMD-friendly in the live feed — buyers using this for qualified retirement money should confirm with the carrier how rider income interacts with required minimum distributions before relying on it.
Several accumulation strategies use proprietary volatility-controlled or excess-return indexes (Barclays Global Trailblazer, multiple US Multi-Asset / Risk Managed / Balanced Asset indexes); 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.
A 'Higher Cap' S&P 500 variant is published alongside the standard S&P 500 cap on the same contract — the higher cap headline comes paired with a lower participation rate, so the two are not directly comparable; read the cap and participation column together rather than the headline number alone.

Not ideal for

Buyers who need RMD-friendly income riders out of the box, a rider-fee-free income mechanism (a Protected Income Value chassis), short-surrender liquidity, a plain MYGA-style declared rate without any optional rider, or an accumulation menu built around an annual S&P 500 cap rather than a rider — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (19 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