AuguStar review

Annuity Atlas has published 13 editorial reviews of AuguStar products. Average peer-group rating 3.8 / 5, top-rated product earns 4.0 / 5. Browse the full lineup below.

Our rating

3.8

Avg ★ / 5

Products reviewed13

A.M. BestA

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Reviews published

Average rating

★ 3.8 / 5

A.M. Best

Categories covered

MYGA · FIA

13 AuguStar annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
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 →
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	★ 3.9	—	—	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 →
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	★ 3.8	—	—	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% (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 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	—	—	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	★ 3.8	—	—	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 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 →

Frequently asked questions

Is AuguStar a good annuity company?

AuguStar earns an average rating of 3.8/5 across the 13 products we've reviewed, and A.M. Best rates the carrier A for financial strength.

What is the surrender period for AuguStar annuities?

Surrender periods on AuguStar's current lineup run 3–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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