West Des Moines, Iowa. Specializing in principal-protected retirement accumulation with market-linked growth and an 8% bonus on premiums in the first five years.
The flagship EquiTrust FIA. 8% bonus on every premium paid in the first five years plus zero-floor index crediting for pure accumulation focus.
- 8% bonus on premiums, years 1–5
- 0% floor — no loss on index declines
- Tax-deferred accumulation
- 10% penalty-free annual withdrawals
Built-in waiver eliminates surrender charges if the client enters a qualified nursing home or long-term care facility — included at no additional cost.
- No surrender charge applies
- Full account access available
- Included at no extra premium
- Qualifies after 1-year waiting period
Full account value passes to named beneficiaries — including any accrued bonus — bypassing probate and delivering liquidity when families need it most.
- Full account value to beneficiaries
- Bonus credits included
- Avoids probate process
- Naming flexibility for estate planning
Disclosure: Products underwritten, issued and distributed by EquiTrust Life Insurance Company, 7100 Westown Pkwy, Suite 200, West Des Moines, Iowa 50266. Annuity and insurance products are not deposits nor are they guaranteed by any bank. They are not insured by the FDIC or any other agency of the federal government. Certain products may lose value. ET-MTB-BR-1100 (03-25) © EquiTrust 2025. FOR AGENT USE — product brochures are for agent reference and client presentation only.
One of the most aggressive bonus structures in the FIA market — 23% applied on day one at contract issue, plus a 3% interest bonus at the end of year 10.
Maximum day-one accumulation. 23% bonus immediately credited at contract issue — the highest on the platform — stacked with a 3% interest bonus at year 10 for long-term clients.
- 23% premium bonus at issue
- 3% interest bonus end of year 10
- 10% penalty-free annual withdrawals
- 10-year surrender schedule
A unique intraday crediting method captures S&P 500 movement throughout the trading day — not just at close — potentially capturing more index gains than end-of-day methods.
- Intraday S&P 500 crediting
- 0% floor — principal always protected
- Tax-deferred growth
- Annual point-to-point strategy
Participate in the technology-heavy Nasdaq-100 with full principal protection. No direct market exposure — clients grow with the index without the downside risk.
- Nasdaq-100 linked crediting
- Available for ages 0–85
- No direct market exposure
- Zero floor protection
Disclosure: Annuity products are issued by American Life & Security Corp. and are not offered in all states. Not guaranteed by any bank or credit union — may lose value — not a deposit — not insured by any federal government agency. FOR AGENT USE ONLY. NOT FOR PUBLIC USE. SELT-104 03/26.
A member of the Constellation Insurance family. The OrionShield FIA features the industry-unique Guaranteed Accumulation Protection (GAP) — a floor on growth, not just principal.
The full-term option with maximum bonus eligibility. Up to 21% premium bonus plus GAP protection over a 10-year contract — ideal for clients with a longer accumulation horizon.
- Up to 21% premium bonus
- 10-year surrender period
- GAP minimum growth guarantee
- 0% floor, tax-deferred growth
A shorter commitment horizon without sacrificing the core OrionShield protections. GAP and premium bonus eligibility in a 7-year structure for clients who want flexibility sooner.
- 7-year surrender period
- Premium bonus option available
- GAP minimum growth guarantee
- Principal always protected
AuguStar's proprietary GAP feature is what sets OrionShield apart — it guarantees a minimum contract accumulation value, not just principal. A floor on growth.
- Minimum growth guaranteed
- Unique to AuguStar / OrionShield
- Available on both 7 & 10-year
- Works alongside standard 0% floor
Full account value including any credited bonus passes to named beneficiaries without probate. Clean, simple, immediate — the way it should be for retirement assets.
- Full account value to heirs
- Bonus credits included
- Bypasses probate
- Flexible beneficiary designation
Disclosure: Fixed indexed annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. An FIA is not a registered security or stock market investment. Guarantees are based upon the claims-paying ability of AuguStar Life Insurance Company, a member of the Constellation Insurance, Inc. family of companies. NOT FOR USE IN CA. Form 9701I 08-25 © 2025 AuguStar Life Insurance Company.