AuguStar Observatory Accumulation 10 overview
The Observatory Accumulation 10 earns interest from the performance of a market index, yet your money is never invested in the market itself. When the index falls during a crediting period, the credit is zero rather than a loss.
Its best S&P 500 1-year point-to-point cap is currently 13.00% at a $100,000 premium, one of 26 crediting strategies on the contract. Every strategy's current terms are in the menu below.
The tradeoff is access and upside. Withdrawals above the free amount face a surrender charge for 10 years, and index credits are limited by caps, participation rates, or spreads.
Crediting strategy menu
These are the carrier's filed rates by premium band, refreshed automatically from our live feed. The Reference cap tag marks the strategy we use to rank this product against its peers.
| Strategy | Method | Rate terms | Premium | In force |
|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | Fixed 4.05% | $25K - $150K | Oct 1, 2026 |
| 1 Year Fixed Account | Fixed | Fixed 4.35% | $150K - $2M | Oct 1, 2026 |
| 1-Year Barclays Global Trailblazer Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 141% | $25K - $150K | Oct 1, 2026 |
| 1-Year Barclays Global Trailblazer Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 153% | $150K - $2M | Oct 1, 2026 |
| 1-Year Barclays Global Trailblazer Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 175% | $25K - $150K | Oct 1, 2026 |
| 1-Year Barclays Global Trailblazer Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 187% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Cap | Point-to-point | Cap 9.00% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Cap | Point-to-point | Cap 10.00% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Cap | Point-to-point | Cap 7.50% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Cap | Point-to-point | Cap 8.50% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed CapReference cap | Point-to-point | Cap 13.00% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Cap | Point-to-point | Cap 14.00% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Cap | Point-to-point | Cap 11.00% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Cap | Point-to-point | Cap 12.00% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Trigger | Trigger | Trigger 6.10% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Guaranteed Trigger | Trigger | Trigger 7.10% | $150K - $2M | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Trigger | Trigger | Trigger 7.10% | $25K - $150K | Oct 1, 2026 |
| 1-Year S&P 500 Point-to-Point with Trigger | Trigger | Trigger 8.10% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Balanced Asset 10 Index Point-to-Point with Guaranteed Trigger | Trigger | Trigger 6.70% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Balanced Asset 10 Index Point-to-Point with Guaranteed Trigger | Trigger | Trigger 7.25% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 69% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 75% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 69% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 90% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 86% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 92% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Trigger | Trigger | Trigger 6.55% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index Point-to-Point with Guaranteed Trigger | Trigger | Trigger 7.10% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index with Guaranteed Participation Rate | Point-to-point | Participation 69% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Daily Risk Managed 12 Index with Guaranteed Participation Rate | Point-to-point | Participation 75% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Multi-Asset Diversified 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 163% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Multi-Asset Diversified 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 176% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Multi-Asset Diversified 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 202% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Multi-Asset Diversified 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 215% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 159% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 172% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 198% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 211% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 159% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Multi-Asset Risk Managed 5 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 75% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 83% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 90% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 83% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 111% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 104% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 10 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 110% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 102% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 111% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 102% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 172% | $150K - $2M | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 127% | $25K - $150K | Oct 1, 2026 |
| 1-Year US Strategic Balanced Asset 8 Index Point-to-Point with Guaranteed Participation Rate | Point-to-point | Participation 136% | $150K - $2M | Oct 1, 2026 |
Compare all fixed index annuity rates to see how these terms line up against every carrier in our live feed.
Getting your money out
The contract allows 10% of the account value out each year without a surrender charge, beginning in year 2.
The surrender charge starts at 12.00% in year 1 and steps down to 3.00% in year 10. Those charges apply to the amount you withdraw above the free allowance.
A market value adjustment also applies during the surrender period. It can raise or lower an early withdrawal depending on how interest rates have moved since the contract was issued.
Who this fits
This contract fits money that can stay put for 10 years and a saver who wants a floor under a portion of retirement savings. It suits dollars that would otherwise sit in bonds or CDs but can accept a range of outcomes in exchange for more upside.
It does not fit an emergency fund or money with a known near-term spending date. A buyer who wants full market upside will find the caps and participation rates limit strong years, and withdrawals before age 59½ can carry a 10% IRS early withdrawal penalty on top of ordinary income tax.
Not sure this is the right fit? Take our annuity guide quiz and we will point you to the product types that match your timeline and your goal.
About AuguStar
AuguStar holds an A.M. Best financial strength rating of A. An annuity's guarantees rest on the issuing carrier's claims-paying ability, and no annuity is FDIC insured.
The contract is currently filed in 50 states. Availability and product versions vary by state, so confirm your state before applying.
To see how AuguStar measures up on size, ratings, and product lineup, compare the top annuity companies we place business with.
For the company's history, ratings, and full product lineup, read our AuguStar annuity review.
Other AuguStar index annuities
Same carrier, different surrender terms and rate sheets. Caps shown are the best S&P 500 1-year point-to-point cap at a $100,000 premium, refreshed from the same live feed as this page.
| Product | Surrender | S&P 500 1-yr cap |
|---|---|---|
| Observatory Accumulation 5 | 5 yrs | 9.50% |
| Observatory Accumulation 7 | 7 yrs | 11.75% |
| Observatory Bonus Plus 10 | 10 yrs | 9.25% |
| Observatory Bonus 10 | 10 yrs | 8.50% |
| Orbiter Growth 5 | 5 yrs | 9.25% |
| Omega Accumulation 5 | 5 yrs | 7.75% |
| Orbiter Growth 7 | 7 yrs | 9.00% |
| Omega Accumulation 7 | 7 yrs | 8.00% |
| Orbiter Growth 7 Premium Bonus | 7 yrs | 5.95% |
| Omega Bonus 7 | 7 yrs | 5.75% |
| Omega Accumulation 10 | 10 yrs | 9.00% |
| Orbiter Growth 10 | 10 yrs | 8.75% |
Frequently asked questions
What is the current cap on the Observatory Accumulation 10?
Its best S&P 500 1-year point-to-point cap is 13.00% at a $100,000 premium as of Oct 6, 2026. Carriers reprice caps regularly, so treat this as a snapshot of the current rate sheet rather than a permanent number.
How many crediting strategies does the Observatory Accumulation 10 offer?
It currently offers 26 strategies across fixed, capped, participation, and trigger designs. Each strategy has its own current terms by premium band, listed in the strategy menu on this page.
Is my money locked up for 10 years?
Not locked, but charged. The contract allows 10% of the account value out each year without a surrender charge, beginning in year 2. Withdrawals above that allowance face the surrender schedule shown on this page, plus a market value adjustment.
How does the Observatory Accumulation 10 compare to similar annuities?
It currently ranks #1 of 61 among 8-10 year fixed index annuities in our live carrier feed, ranked by S&P 500 1-year cap at a $100,000 premium. That standing refreshes automatically as carriers reprice.
Is the Observatory Accumulation 10 FDIC insured?
No annuity is FDIC insured. Every guarantee in the contract is an obligation of AuguStar, which holds an A.M. Best financial strength rating of A.
How we know what's on this page
Rates, terms & availability
Every number on this page comes from the carrier's filed rate sheets in our live rate feed, refreshed daily. Nothing is typed in by hand, so the figures update automatically when AuguStar reprices.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Peer standing
We rank each product's best S&P 500 1-year cap at a $100,000 premium against contracts with similar surrender periods in the same feed. Where a fact is not in the feed, the page leaves it out rather than estimating.
