Fixed Indexed Annuity

Orbiter Income 9

AuguStar Financial

4.7%

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

GLWB lifetime payout rate

6.35% lifetime payout

The California-only filing of AuguStar's income-led indexed annuity — a nine-year-surrender chassis from a tri-agency-rated carrier with a real optional GLWB rider (Equilibrium Plus) whose income base grows on a roll-up schedule during deferral, sitting on a mixed S&P 500, Barclays Trailblazer, and Russell 2000 index menu.

1.15% annual rider feeAdvisorWorld + CANNEX data

Best fit

California residents committing to a nine-year surrender who want lifetime income from a real, optional GLWB rider with an income-base roll-up during deferral, and who are single-life buyers comfortable with a non-RMD-friendly rider in exchange for a tri-agency-rated carrier and a multi-index growth menu.

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

4.7% cap rate + 50% participation rate

Rate varies by premium band.

1-year term

Up to $150,000

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

+ 3 volatility-controlled index options (Barclays Global, Russell 2000...)

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 via a real, optional GLWB rider — the Equilibrium Plus Rider — with a roll-up that grows the income base during deferral, so the headline withdrawal rate is paid against a base that can outgrow the account value before income turns on.
Carrier financial strength is reported on this page as A.M. Best 'A' (Excellent), so a buyer locking principal into the nine-year deferral is committing to an A-rated carrier rather than an unrated or weakly-rated one.
Index menu blends a recognizable S&P 500 annual point-to-point cap (with a higher-cap variant that runs at a participation rate), a Barclays Global Trailblazer participation strategy, and a Russell 2000 small-cap strategy — giving the income story multiple growth paths underneath, plus a daily-rate fixed account for principal-preserving deferral.
A Guaranteed Accumulation Protection (GAP) rider is included on the chassis, providing a guaranteed minimum account value floor in addition to the standard FIA index-loss protection.

What to confirm

This is the California-only filing of the chassis — buyers outside California cannot purchase this contract and should look at orbiter-income-10, the 50-jurisdiction sibling that runs the same chassis on a ten-year surrender schedule.
The GLWB rider fee is charged on the income base, not the account value — at the maximum fee scope the effective annual cost runs materially higher than the current fee rate, so model the rider through the full deferral horizon before committing.
The income rider is flagged not RMD-friendly in the live feed and is filed single-life only — buyers using this for qualified retirement money, or couples wanting joint-life income, should confirm carrier mechanics before relying on the rider.
The nine-year surrender window is one year shorter than the sibling chassis but still long — exiting before year ten incurs a graded surrender charge on top of any market-value adjustment, and the income base built during deferral is forfeited on full surrender.

Not ideal for

Buyers outside California (orbiter-income-10 is the fifty-jurisdiction sibling that ships in every US state except California and New York, plus DC and Puerto Rico); buyers who need short-surrender liquidity, RMD-friendly income, joint-life income, a rider-fee-free income mechanism (a Protected Income Value chassis), or a plain MYGA-style fixed-rate guarantee — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (12 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: 127% · 1-yr

Barclays Global Trailblazer Index

participation