| Orbiter Income 7-Year Buyers in their 50s through mid-80s who want to defer for several years and turn on a guaranteed lifetime paycheck later, without buying a separate income rider | Income | 7yr | ★ 4.1 | Yes 1.15% annually (based on benefit base; charged to account value); maximum 2.50% fee | — | 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 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 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 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 → |
| LunarLock MVA 3-Year Savers who want a short, locked-rate guarantee and are comfortable with a market-value adjustment clause if they need to exit early | MYGA | 3yr | A | — | — | Review → |
| LunarLock 5-Year Savers who want a guaranteed fixed rate locked in for five years, no index complexity, and a low $10,000 minimum to get started | MYGA | 5yr | A | — | — | Review → |
| LunarLock MVA 5-Year Conservative savers who want a locked 5-year rate and can live without touching more than 10% of their money per year | MYGA | 5yr | A | — | — | Review → |
| LunarLock 7-Year Savers who want a guaranteed rate locked for seven years with a nursing home safety valve and no complexity | MYGA | 7yr | A | — | — | Review → |
| LunarLock MVA 7-Year Retirees and near-retirees who want a fully locked seven-year guaranteed rate, a modest liquidity provision, and a nursing home safety valve — and are comfortable with the MVA tradeoff that comes with it | MYGA | 7yr | A | — | — | Review → |
| LunarLock Prime 5-Year Shoppers who want a clean 5-year locked rate with a modest entry point and no rider complexity | MYGA | 5yr | A | — | — | Review → |
| LunarLock Prime 7-Year Savers who want a locked guaranteed rate for seven years with a clean fee structure and no rider complexity | MYGA | 7yr | A | — | — | Review → |
| LunarLock Prime MVA 7-Year Conservative savers who want a fully locked rate for seven years with no index complexity and a nursing home exit ramp | MYGA | 7yr | A | — | — | Review → |
| Orbiter Income 10-Year Buyers in their late 50s through mid-70s who want to commit long-term money now to build guaranteed income they can turn on in roughly a decade | Income | 10yr | ★ 4.0 | Yes 1.15% annually (charged on benefit base; maximum 2.50%) fee | — | Review → |
| Orbiter Income 5-Year Buyers who want to lock in a guaranteed future income stream with a strong 10% simple roll-up but prefer a shorter 5-year surrender commitment than most income annuities require | Income | 5yr | ★ 4.0 | Yes 1.15% annually (current); maximum 2.50%; charged on benefit base, deducted from account value; may increase on any rider anniversary after year 2 fee | — | Review → |
| Orbiter Growth 7-Year Accumulation-focused buyers who want a broad index menu, the option to lock in participation rates for the full surrender period, and no income rider cost dragging on returns | FIA | 7yr | ★ 4.0 | — | — | Review → |
| LunarLock 3-Year Conservative savers who want a short, guaranteed-rate commitment with a clean fixed yield and no product complexity | MYGA | 3yr | A | — | — | Review → |
| LunarLock Prime MVA 5-Year Conservative savers who want a locked 5-year guaranteed rate through an independent or bank channel and can tolerate the MVA risk in exchange for a competitive yield | MYGA | 5yr | A | — | — | Review → |
| Orbiter Income 9-Year California buyers in the pre-retirement window who want to defer income for several years and value a built-in lifetime income rider with a strong deferral roll-up | Income | 9yr | ★ 3.9 | Yes 1.15% annually (current); maximum 2.50%; charged on benefit base, deducted from account value fee | — | Review → |
| Orbiter Growth 10-Year Accumulation-focused buyers who want a wide index menu, no annual product fee, and a built-in growth assurance backstop during a long commitment | FIA | 10yr | ★ 3.9 | — | — | Review → |
| Orbiter Growth 5-Year Conservative accumulators who want a short FIA commitment, a wide index menu including proprietary managed-volatility strategies, and a rate-lock guarantee for the full surrender period | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Orbiter Growth Bonus 7-Year Buyers who want a 5% upfront bonus on their premium and are comfortable with a 7-year surrender commitment in exchange for that head start | FIA | 7yr | ★ 3.9 | — | 5% | Review → |
| OrionShield 7-Year Accumulation-focused buyers who want a broad index menu with participation-rate strategies and are open to a seven-year commitment with an optional upfront bonus | FIA | 7yr | ★ 3.9 | — | 5% (7-Year Level 1 option) | 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 → |
| 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 → |
| LunarLock Prime 3-Year Conservative savers who want a short, fully guaranteed rate with minimal complexity and a light-touch nursing home exit | MYGA | 3yr | A | — | — | Review → |
| LunarLock Prime MVA 3-Year Conservative savers who want a short, locked guaranteed rate and can accept that early surrender costs may fluctuate with interest rates | MYGA | 3yr | A | — | — | Review → |
| Orbiter Growth Bonus 10-Year Buyers who want a 10% upfront account-value boost and are comfortable with a full 10-year commitment and deferred bonus vesting | FIA | 10yr | ★ 3.8 | — | 10% | Review → |
| Orbiter Growth Bonus 2023 7-Year California-based buyers who want an immediate account-value boost and are comfortable locking into a 7-year commitment without any income rider | FIA | 7yr | ★ 3.8 | — | 5% on single premium; vests 10%/20%/30%/40%/50%/60%/100% over years 1-7 | Review → |
| Orbiter Growth 9-Year Accumulation-focused buyers comfortable with a 9-year commitment who want a broad index menu, no product fees, and guaranteed crediting rate floors on select strategies | FIA | 9yr | ★ 3.8 | — | — | Review → |
| OrionShield 10-Year Buyers who want long-term index-linked accumulation, are comfortable with a 10-year commitment, and want the option to front-load returns with a premium bonus | FIA | 10yr | ★ 3.8 | — | 5%-24% effective (age and level dependent; ages 18-80 Level 1: 12% effective; Level 5: 24% effective; ages 81-85 Level 2: 7%, Level 5: 10%) | 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 | ★ 3.8 | — | 10%-21% (ages 18-80, Levels 1-5 with launch special included); 7%-10% (ages 81-85, Levels 2-5) | 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 | ★ 3.8 | — | 5%–21% for ages 18-80 (10-Year product levels 1-5); 5% for 7-Year level 1; ages 81-85 eligible for reduced amounts (7%–10% for levels 2-5) | 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 | ★ 3.8 | — | 5% | Review → |
| OrionShield 9-Year California-based buyers who want a principal-protected accumulation annuity with a meaningful upfront account-value bonus and can commit to a 9-year horizon | FIA | 9yr | ★ 3.8 | — | 13% for 9-year contract (vesting: 10/20/30/40/50/60/70/80/100% over years 1-9) | Review → |
| Orbiter Growth 2023 5-Year California buyers who want a short-term FIA with multiple index strategies and a guaranteed-rate option for part of the portfolio | FIA | 5yr | ★ 3.7 | — | — | Review → |
| Orbiter Growth Bonus 9-Year California-based accumulation buyers who want an upfront 10% bonus and are comfortable with a nine-year commitment and a managed-volatility index menu | FIA | 9yr | ★ 3.7 | — | 10% | Review → |
| OrionShield 2023 5-Year California residents who want a short-commitment FIA with principal protection and a diversified index menu, without paying for income features they do not need | FIA | 5yr | ★ 3.7 | — | — | Review → |
| OrionShield 2023 7-Year California-based buyers who want a diversified index menu with principal protection and a 7-year commitment, and who may want an optional 5% premium bonus | FIA | 7yr | ★ 3.7 | — | 5% | Review → |
| Orbiter Growth 2020 7-Year California-based buyers who want principal-protected accumulation with a broad index menu and rate-lock options for budget certainty | FIA | 7yr | ★ 3.6 | — | — | Review → |
| OrionShield Bonus 2023 7-Year California-based accumulators who want a principal-protected FIA, value a front-end bonus, and have a 7-year time horizon with no income rider need | FIA | 7yr | ★ 3.6 | — | 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 | ★ 3.5 | — | 13% | Review → |
