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Observatory Accumulation 5

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Investment

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Retire At

About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Inherited IRA, NQ Stretch, and Roth Conversion (Full)

Launch Date

07/15/2026

The Observatory Accumulation annuity is a Fixed Indexed Annuity insurance product that may help accumulate assets for retirement and potentially protect against market losses. The annuity earns interest based upon the changes in available pricing indices that track the performance of specific market indices – collections of securities representing select portions of the overall market – developed by third-party index providers. Premium payments aren’t directly invested in a market index; therefore, the annuity will not experience returns identical to the index’s performance.
This annuity includes a contractual “floor” for returns, meaning that principal and any credited interest will never be reduced as a result of market downturns.

Alpha Model Portfolios
Models offer pre-diversified allocations with higher guaranteed rates on certain options.

Alpha 20
Alpha 40
Alpha Max

Model Allocations are optional and selected at contract issue. If you elect a Model Allocation, allocation and transfer activity is subject to additional limitations including a one-time ability to move from a Model Allocation to other Allocation Options. For more detailed information regarding allocation requirements, transfer limitations, and other applicable terms and conditions, please refer to the client brochure and related product materials.

Alpha 20 Model Pre-Selected Allocation

S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - 20%
Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 20%
US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 20%
US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 15%
US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 10%
Fixed Account - 5%

Alpha 40 Model Pre-Selected Allocation

S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - 40%
Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 15%
US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 15%
US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 10%
US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 5%
Fixed Account - 5%

Alpha Max Model Pre-Selected Allocation

S&P 500 Index 1-year Point-to-Point with Guaranteed Cap - N/A
Barclays Global Trailblazer Index with Guaranteed Participation Rate - 5%
US Multi-Asset Risk Managed 5 Index with Guaranteed Participation Rate - 25%
US Multi-Asset Diversified 5 Index with Guaranteed Participation Rate - 20%
US Strategic Balanced Asset 8 Index with Guaranteed Participation Rate - 25%
US Balanced Asset 10 Index with Guaranteed Participation Rate - 5%
US Daily Risk Managed 12 Index with Guaranteed Participation Rate - 10%
Fixed Account - 10%

Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	76% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation)	Blend Annual	146% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation)	Blend Annual	150% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 20 (5% Allocation)	Blend Annual	131% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	131% Participation
1-Year S&P 500 PTP Guaranteed Cap Alpha 40 (40% Allocation)	Blend Annual	9.5% Cap
1-Year S&P 500 PTP Guaranteed Cap Alpha 20 (20% Allocation)	Blend Annual	11.5% Cap
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha Max (5% Allocation)	Blend Annual	172% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation)	Blend Annual	150% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha Max (20% Allocation)	Blend Annual	198% Participation
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha Max (10% Allocation)	Blend Annual	84% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation)	Blend Annual	146% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha Max (25% Allocation)	Blend Annual	194% Participation
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	64% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 20 (15% Allocation)	Blend Annual	95% Participation
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 20 (10% Allocation)	Blend Annual	64% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 40 (10% Allocation)	Blend Annual	95% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha Max (25% Allocation)	Blend Annual	125% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 20 (5% Allocation)	Blend Annual	76% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha Max (5% Allocation)	Blend Annual	101% Participation
1-Year Fixed Account	Fixed	4.05% Fixed
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate	Point to Point Annual	150% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate	Point to Point Annual	146% Participation
1-Year S&P 500 PTP Guaranteed Cap	Point to Point Annual	6.25% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	7.75% Cap
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate	Point to Point Annual	64% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate	Point to Point Annual	95% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate	Point to Point Annual	131% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate	Point to Point Annual	76% Participation
1-Year US Balanced Asset 10 Guaranteed Performance Trigger	Performance Triggered Annual	6.2% Performance triggered
1-Year US Daily Risk Managed 12 Guaranteed Performance Trigger	Performance Triggered Annual	6.1% Performance triggered
1-Year S&P 500 Guaranteed Performance Trigger	Performance Triggered Annual	5.1% Performance triggered
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	6.1% Performance triggered
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha Max (5% Allocation)	Blend Annual	187% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha Max (20% Allocation)	Blend Annual	216% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation)	Blend Annual	167% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation)	Blend Annual	164% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha 40 (15% Allocation)	Blend Annual	164% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate Alpha Max (25% Allocation)	Blend Annual	211% Participation
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate Alpha 20 (20% Allocation)	Blend Annual	167% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 20 (15% Allocation)	Blend Annual	106% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha Max (25% Allocation)	Blend Annual	136% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 20 (5% Allocation)	Blend Annual	85% Participation
1-Year S&P 500 PTP Guaranteed Cap Alpha 40 (40% Allocation)	Blend Annual	10.5% Cap
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 20 (10% Allocation)	Blend Annual	71% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate Alpha 40 (10% Allocation)	Blend Annual	106% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 20 (5% Allocation)	Blend Annual	146% Participation
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	71% Participation
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate Alpha Max (10% Allocation)	Blend Annual	92% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	146% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha Max (5% Allocation)	Blend Annual	110% Participation
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate Alpha 40 (5% Allocation)	Blend Annual	85% Participation
1-Year S&P 500 PTP Guaranteed Cap Alpha 20 (20% Allocation)	Blend Annual	12.5% Cap
1-Year Fixed Account	Fixed	4.45% Fixed
1-Year US Multi-Asset Diversified 5 PTP Guaranteed Participation Rate	Point to Point Annual	167% Participation
1-Year S&P 500 PTP Guaranteed Cap	Point to Point Annual	7.25% Cap
1-Year US Balanced Asset 10 PTP Guaranteed Participation Rate	Point to Point Annual	85% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8.75% Cap
1-Year US Daily Risk Managed 12 PTP Guaranteed Participation Rate	Point to Point Annual	71% Participation
1-Year US Strategic Balanced Asset 8 PTP Guaranteed Participation Rate	Point to Point Annual	106% Participation
1-Year US Multi-Asset Risk Managed 5 PTP Guaranteed Participation Rate	Point to Point Annual	164% Participation
1-Year Barclays Global Trailblazer PTP Guaranteed Participation Rate	Point to Point Annual	146% Participation
1-Year US Daily Risk Managed 12 Guaranteed Performance Trigger	Performance Triggered Annual	6.8% Performance triggered
1-Year US Balanced Asset 10 Guaranteed Performance Trigger	Performance Triggered Annual	6.9% Performance triggered
1-Year S&P 500 Performance Trigger	Performance Triggered Annual	7.1% Performance triggered
1-Year S&P 500 Guaranteed Performance Trigger	Performance Triggered Annual	6.1% Performance triggered

Surrender schedule

Year	1	2	3	4	5
Penalty	9%	8%	7%	6%	5%

Riders

No Riders for Observatory Accumulation 5 annuity.

Waivers

Nursing Home

Provides access to Contract Value without surrender charge or Market Value Adjustment (MVA) if owner requires hospital or nursing home confinement for at least 30 consecutive days. The nursing home waiver may be available in year 1 as long as the annuitant has been confined to a qualified Hospital or Nursing Facility for at least 30 consecutive days, the confinement began after the contract date, the annuitant was not older than 80 on the contract date, and proof of confinement is received while the annuitant is confined or within 90 days following discharge from the facility.

RMD

Observatory Accumulation is designed to be RMD friendly. Once you reach your required beginning age, the amount the IRS requires you to withdraw from this contract each year is available without a surrender charge — even if it’s more than your free withdrawal amount. For transferred funds, we’ll just need the prior year’s December 31 Contract Value to calculate your RMD.

Premium Notes

Purchase payment

Minimum purchase payment: $25,000
Maximum total purchase payments up to $2 million across all Observatory contracts for the same Owner or Annuitant without prior company approval.

Withdrawal Provisions

Withdrawal amount free of surrender charges or MVAYou can withdraw up to 10% of the Contract Value in years 2-5There are important considerations for taking withdrawals, including free withdrawals. Withdrawals may incur potential taxes, surrender charges, and market value adjustments, so please read the disclosures carefully.Observatory Accumulation is designed to be RMD friendly. Once you reach your required beginning age, the amount the IRS requires you to withdraw from this contract each year is available without a surrender charge — even if it’s more than your free withdrawal amount. For transferred funds, we’ll just need the prior year’s December 31 Contract Value to calculate your RMD. Market Value Adjustment (MVA)Adjustment applied if you withdraw more than the contract allows in a single year. Could affect contract’s value or withdrawal amount positively or negatively based on market conditions. Cannot reduce contract’s value to less than the Guaranteed Minimum Surrender Value.

Company Founded: 1909

Excellent Rated Company

AuguStar Life Insurance Company

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