| LunarGuard MVA 7-Year Savers who want a locked 7-year guaranteed rate, are comfortable leaving the money alone for the full term, and can qualify for the $100,000 premium tier | MYGA | 7yr | A | — | — | Review → |
| LunarGuard 7-Year Conservative savers who want a fully locked rate for seven years and care less about flexibility than predictability | MYGA | 7yr | A | — | — | Review → |
| LunarGuard MVA 5-Year Savers who want a locked 5-year guaranteed rate, are comfortable with a Market Value Adjustment, and have at least $10,000 to commit | MYGA | 5yr | A | — | — | Review → |
| LunarGuard 5-Year Conservative savers who want a clean 5-year locked rate, full account value passed to heirs, and no rider complexity | MYGA | 5yr | A | — | — | Review → |
| LunarGuard MVA 3-Year Short-horizon savers who want a locked rate for three years and are comfortable with the interest-rate risk that comes with a market value adjustment | MYGA | 3yr | A | — | — | Review → |
| LunarGuard 3-Year Conservative savers who want a locked guaranteed rate for three years without index complexity or rider fees | MYGA | 3yr | A | — | — | Review → |
| Observatory Accumulation 10 A 10-year buyer who wants a broad menu of indexed crediting strategies and a no-cost nursing home waiver, and doesn't need an income rider or early liquidity. | FIA | 10yr | A | — | — | Review → |
| Observatory Accumulation 5 Buyers who want a short five-year FIA commitment, a genuinely deep crediting menu that includes locked-rate "guaranteed" options, and no interest in paying for an income rider | FIA | 5yr | A | — | — | Review → |
| Observatory Accumulation 7 Buyers who want a broad menu of index-linked crediting strategies and a built-in nursing home waiver, without paying for an income rider they don't need | FIA | 7yr | A | — | — | Review → |
| Observatory Bonus 10 Buyers who want an immediate account-value credit and are comfortable letting it vest on a multi-year schedule rather than needing full access right away | FIA | 10yr | A | — | 19% (ages 18–70) / 21% (ages 18–70) / 17% (ages 71–75) / 19% (ages 71–75) / 15% (ages 76–80) / 17% (ages 76–80) | Review → |
| Observatory Bonus Plus 10 Buyers with $25,000+ of long-horizon money who want a larger upfront bonus and more free-withdrawal room than a typical bonus FIA offers | FIA | 10yr | A | — | 25% (ages 18–70) / 27% (ages 18–70) / 23% (ages 71–75) / 25% (ages 71–75) / 21% (ages 76–80) / 23% (ages 76–80) | Review → |
| Omega Accumulation 10 Buyers with a genuine 10-year horizon who want indexed growth potential, principal protection, and a no-rider, no-bonus contract | FIA | 10yr | A | — | — | Review → |
| Omega Accumulation 5 Buyers who want a five-year FIA with a broad index menu, an A-rated carrier, and no rider fees, and who are comfortable that shorter-duration terms tend to run more conservative than the family's longer contracts | FIA | 5yr | A | — | — | Review → |
| Omega Accumulation 7 Buyers who want a mid-length, principal-protected FIA with a broad index menu and a built-in nursing home waiver, and who don't need an income rider | FIA | 7yr | A | — | — | Review → |
| Omega Bonus 10 Buyers who want a large upfront account-value credit and are comfortable with a longer bonus-vesting schedule and a tighter free-withdrawal allowance in exchange for it | FIA | 10yr | A | — | Account-value premium bonus, tiered by issue state group and by an elected bonus Level: 20% at Level 1 for issue ages 18-70 (18% ages 71-75, 16% ages 76-80), rising to 27% at Level 4 (25% ages 71-75, 23% ages 76-80). The Levels are priced in index allocation, not a fee — Level 1 requires 0% away from the S&P 500, Level 2 25%, Level 3 50%, and the top rate is available only if 100% is allocated to non-S&P-500 indices. Vests over a 10-year schedule that varies by issue state; fully vests at death. | Review → |
| Omega Bonus 7 Buyers who want a 5% account-value bonus at issue, are committed to the full 7-year term, and don't expect to need more than 5% of their money in any given contract year | FIA | 7yr | A | — | 5% | Review → |
| Omega Bonus Plus 10 Buyers who want a meaningful upfront account-value bonus and are willing to pay an explicit annual fee (and, for the largest bonus, shift allocation away from the S&P 500) to get it | FIA | 10yr | A | — | Account-value premium bonus, tiered by issue state group and by an elected bonus Level: 26% at Level 1 for issue ages 18-70 (24% ages 71-75, 22% ages 76-80), rising to 33% at Level 4 (31% ages 71-75, 29% ages 76-80). The Levels are priced in index allocation, not a fee — Level 1 requires 0% away from the S&P 500, Level 2 25%, Level 3 50%, and the top rate is available only if 100% is allocated to non-S&P-500 indices. Vests over a 10-year schedule that varies by issue state; fully vests at death. | Review → |
| OrionShield 10-Year Buyers who want long-term index-linked accumulation, are comfortable with a 10-year commitment, and want the strongest crediting terms rather than an upfront credit | FIA | 10yr | A | — | — | Review → |
| OrionShield 5-Year Buyers who want a shorter FIA commitment, principal protection, and a broad menu of volatility-managed index strategies without paying for an income rider | FIA | 5yr | A | — | — | Review → |
| OrionShield 7-Year Accumulation-focused buyers who want a broad index menu and uncompressed crediting rather than an upfront bonus, and can commit to seven years through an AuguStar Preferred IMO | FIA | 7yr | A | — | — | Review → |
| OrionShield 9-Year California-based buyers who want the OrionShield line's only year-one liquidity, uncompressed crediting rather than an upfront bonus, and can commit to a 9-year horizon | FIA | 9yr | A | — | — | Review → |
| OrionShield Bonus 10-Year Buyers with a 10-year time horizon who want a large upfront account-value boost and are comfortable accepting tiered cap and participation rates in exchange for that bonus | FIA | 10yr | A | — | 10% (ages 18–80) / 14% (ages 18–80) / 16% (ages 18–80) / 18% (ages 18–80) / 21% (ages 18–80) / 7% (ages 81+) / 8% (ages 81+) / 9% (ages 81+) / 10% (ages 81+) | Review → |
| OrionShield Bonus 7-Year Accumulation-focused buyers who can commit to the full 7-year term, want an upfront account-value boost, and understand that the bonus trades against crediting rates | FIA | 7yr | A | — | 5% | Review → |
| OrionShield Bonus 9-Year California-based buyers who want an immediate 13% account-value boost and plan to hold the full 9 years without needing above-average liquidity | FIA | 9yr | A | — | 13% | Review → |
