--- title: On The Move - August 13, 2024 - Insurance Agency Marketing Services description: Rates changing! Get the latest product and rate updates from our carrier partners. --- CALL US: 800.255.5055 [Login](http://www.iamsinc.com/wp-login.php) [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [Linkedin](https://www.linkedin.com/organization/2128303/) [YouTube](https://www.youtube.com/user/IAMSinc) [![Insurance Agency Marketing Services](https://blog.iamsinc.com/hs-fs/hubfs/Iamsinc-September2017-Theme/Images/IAMS-Logo_240x52.png?width=240&height=52&name=IAMS-Logo_240x52.png)](http://www.iamsinc.com/) - [Home](https://www.iamsinc.com/) - [Why IAMS](https://www.iamsinc.com/why-iams/) - [Partner With Us](https://www.iamsinc.com/licensing/) - [Agent Kit](https://www.iamsinc.com/agent-kit/) - [About](https://www.iamsinc.com/about/) - [Meet Our Team](https://www.iamsinc.com/meet-our-team/) - [Careers](https://secure.careerlink.com/postings/6694-insurance-agency-marketing-services-inc/) - [Products](https://www.iamsinc.com/products/) - [Annuity](https://www.iamsinc.com/annuity/) - 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – August 13, 2024 #### August 14, 2024 – Effective Date of Change ## Aspida #### Fixed Indexed Annuity - 1-Year Fixed Account Rate:  Rate: 2.5% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 4.75%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 9.75%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 35% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 44% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 70% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 101% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 160% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 210% - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 7%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 90% - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 3.5%  - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 8.5%  - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 30% - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 37% **Synergy Choice Bonus 10 100,000+** - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 38% - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 33% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 10%  - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4.25%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 95% - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 8.5%  - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 225% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 170% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 108% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 75% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 47% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 40% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.25%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.5%  - 1-Year Fixed Account Rate:  Rate: 2.75% **Synergy Choice Bonus 10 CA 25,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 215% - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 7.5%  - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4.25%  - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 32% - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 92% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 10%  - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 39% - 1-Year Fixed Account Rate:  Rate: 2.65% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.75%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 11.25%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 35% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 46% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 73% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 103% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 165% **Synergy Choice Bonus 10 CA 100,000+** - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 175% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 110% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 78% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 49% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 38% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 12.75%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 6.5%  - 1-Year Fixed Account Rate:  Rate: 2.9% - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 42% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 11.5%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 97% - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 35% - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 5.25%  - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 9.5%  - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 230% **Synergy Choice Income 25,000+** - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 6%  - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 3.75%  - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 27% - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 80% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 7.5%  - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 32% - 1-Year Fixed Interest Rate:  Rate: 2.5% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 4.5%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 9.5%  - 1-Year S&P 500 Point to Point Participation Rate:  Part Rate 30% - 2-Year S&P 500 Point to Point Participation Rate:  Part Rate 35% - 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 142% - 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 200% - 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 97% - 1-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 62% **Synergy Choice Income 100,000+** - 1-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 68% - 2-Year Citi Aria Index Point to Point Participation Rate:  Part Rate 105% - 2-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 215% - 1-Year Goldman Sachs Grand Prix Index Point to Point Participation Rate:  Part Rate 155% - 2-Year S&P 500 Point to Point Participation Rate:  Part Rate 39% - 1-Year S&P 500 Point to Point Participation Rate:  Part Rate 33% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 10.5%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 5.25%  - 1-Year Fixed Interest Rate:  Rate: 2.75% - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 35% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 9%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 85% - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 30% - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 4.5%  - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 7%  **Synergy Choice Max 10 25,000+** - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 23%  - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 8.5%  - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 47% - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 138% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 18.5%  - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 57% - 1-Year Fixed Account Rate:  Rate: 4.25% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 115% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 168% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 250% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 360% **Synergy Choice Max 10 100,000+** - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 375% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 260% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 175% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 120% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 60% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 20%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10%  - 1-Year Fixed Account Rate:  Rate: 4.5% - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 60% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 20%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 145% - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 50% - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 9.25%  - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 30%  **Synergy Choice Max 5 25,000+** - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 23%  - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 8.5%  - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 47% - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 138% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 18.5%  - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 57% - 1-Year Fixed Account Rate:  Rate: 4.25% - 1-Year S&P 500 Point to Point Cap Rate:  Cap 9.25%  - 2-Year S&P 500 Point to Point Cap Rate:  Cap 18.5%  - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 57% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 67% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 115% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 360% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 168% - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 250% **Synergy Choice Max 5 100,000+** - 1-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 260% - 2-Year Citi Aria Point to Point Participation Rate:  Part Rate 175% - 2-Year Goldman Sachs Grand Prix Point to Point Participation Rate:  Part Rate 375% - 1-Year Citi Aria Point to Point Participation Rate:  Part Rate 120% - 2-Year S&P 500 Point to Point Participation Rate :  Part Rate 70% - 1-Year S&P 500 Point to Point Participation Rate :  Part Rate 60% - 2-Year S&P 500 Point to Point Cap Rate:  Cap 20%  - 1-Year S&P 500 Point to Point Cap Rate:  Cap 10%  - 1-Year Fixed Account Rate:  Rate: 4.5% - 2-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 60% - 2-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 20%  - 2-Year Invesco QQQ Growrth Point to Point Participation Rate:  Part Rate 145% - 1-Year Nasdaq 100 Growrth Point to Point Participation Rate:  Part Rate 50% - 1-Year Nasdaq 100 Growrth Point to Point Cap Rate:  Cap 9.25%  - 1-Year Invesco QQQ Growrth Point to Point Cap Rate:  Cap 30%  - **Synergy Choice 2 **25,000+  4.80% - **Synergy Choice 2 **100,000+  4.95% - **Synergy Choice 3 **25,000+  4.85% - **Synergy Choice 3 **100,000+  5.00% - **Synergy Choice 5 **25,000+  4.95% - **Synergy Choice 5 **100,000+  5.10% - **Synergy Choice 7 **25,000+  5.00% - **Synergy Choice 7 **100,000+  5.15% ## SILAC #### Fixed Indexed Annuity **Denali 10 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 82% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 10%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 62% - 1 Year S&P 500 Monthly Cap:  Cap 3.25%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 112% - 1 Year Fixed Account:  Rate: 4.75% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 220% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.75%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 235% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -5%  - NASDAQ Generations 5 w/Participation:  Part Rate 225% - NASDAQ Generations 5 w/Spread:  Spread -4.75%  **Denali 14 10,000+** - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 10%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 62% - 1 Year S&P 500 Monthly Cap:  Cap 3.25%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 112% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 220% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.75%  - 1 Year Fixed Account:  Rate: 5% - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 235% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -5%  - NASDAQ Generations 5 w/Participation:  Part Rate 225% - NASDAQ Generations 5 w/Spread:  Spread -4.75%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 82% **Denali 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 77% - NASDAQ Generations 5 w/Participation:  Part Rate 207% - NASDAQ Generations 5 w/Spread:  Spread -4.25%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 215% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -4.5%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 9%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 57% - 1 Year S&P 500 Monthly Cap:  Cap 2.85%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 105% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 205% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -4.25%  - 1 Year Fixed Account:  Rate: 4.75% **Denali Bonus 10 10,000+** - NASDAQ Generations 5 w/Participation:  Part Rate 172% - NASDAQ Generations 5 w/Spread:  Spread -3%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 180% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -3.25%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.25%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 47% - 1 Year S&P 500 Monthly Cap:  Cap 2.25%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 87% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 170% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3%  - 1 Year Fixed Account:  Rate: 4% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 65% **Denali Bonus 14 10,000+** - NASDAQ Generations 5 w/Participation:  Part Rate 177% - NASDAQ Generations 5 w/Spread:  Spread -3.25%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 185% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -3.5%  - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 7.5%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 50% - 1 Year S&P 500 Monthly Cap:  Cap 2.5%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 90% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 175% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3%  - 1 Year Fixed Account:  Rate: 4% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 65% **Denali Bonus 7 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 60% - 1 Year S&P 500 Point-to-Point w/Cap:  Cap 6.75%  - 1 Year S&P 500 Point-to-Point w/Participation:  Part Rate 45% - 1 Year S&P 500 Monthly Cap:  Cap 2.25%  - 1 Year S&P 500 Monthly Average w/Participation:  Part Rate 80% - 1 Year Barclays Atlas 5 Point-to-Point w/Participation:  Part Rate 160% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.5%  - 1 Year Fixed Account:  Rate: 3.75% - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 170% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -2.75%  - NASDAQ Generations 5 w/Participation:  Part Rate 162% - NASDAQ Generations 5 w/Spread:  Spread -2.75%  **Teton 10 10,000+** - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.5%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 187% - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 200% - 1 Year S&P 500 RavenPack AI k w/Spread:  Spread -4%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.25%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 52% - 1 Year S&P 500 Monthly Cap :  Cap 2.65%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 95% - 1 Year Fixed Account:  Rate: 4.25% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - NASDAQ Generations 5 w/Participation:  Part Rate 190% - NASDAQ Generations 5 w/Spread:  Spread -3.5%  **Teton 14 10,000+** - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 187% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -3.5%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 200% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -4%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.25%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 52% - 1 Year S&P 500 Monthly Cap :  Cap 2.75%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 97% - 1 Year Fixed Account:  Rate: 4.25% - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 72% - NASDAQ Generations 5 w/Participation:  Part Rate 190% - NASDAQ Generations 5 w/Spread:  Spread -3.5%  **Teton 5 10,000+** - 1 Year Fixed Account:  Rate: 4.25% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.25%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 50% - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 187% - 1 Year Barclays Atlas 5 Annual Point to Point Spread :  Spread -3.5%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 200% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -4%  - NASDAQ Generations 5 w/Participation:  Part Rate 190% - NASDAQ Generations 5 w/Spread:  Spread -3.5%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 95% - 1 Year S&P 500 Monthly Cap :  Cap 2.65%  **Teton 7 10,000+** - 1 Year Barclays Atlas 5 Annual Point to Point Spread :  Spread -3.5%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 70% - NASDAQ Generations 5 w/Participation:  Part Rate 190% - NASDAQ Generations 5 w/Spread:  Spread -3.5%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 8.25%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 50% - 1 Year S&P 500 Monthly Cap :  Cap 2.65%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 97% - 1 Year Fixed Account:  Rate: 4.25% - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 200% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -4%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 187% **Teton Bonus 10 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 57% - NASDAQ Generations 5 w/Participation:  Part Rate 155% - NASDAQ Generations 5 w/Spread:  Spread -2.25%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.5%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 42% - 1 Year S&P 500 Monthly Cap :  Cap 2.15%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 77% - 1 Year Fixed Acocunt:  Rate: 3.25% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.25%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 160% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -2.5%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 150% **Teton Bonus 14 10,000+** - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 57% - NASDAQ Generations 5 w/Participation:  Part Rate 157% - NASDAQ Generations 5 w/Spread:  Spread -2.25%  - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.5%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 42% - 1 Year S&P 500 Monthly Cap :  Cap 2.15%  - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 80% - 1 Year Fixed Account:  Rate: 3.5% - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.25%  - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 162% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -2.5%  - 1 Year Barclays Atlas 5 Annual Point to Point Participation Rate:  Part Rate 152% **Teton Bonus 5 10,000+** - 1 Year Fixed Account:  Rate: 3% - 1 Year S&P 500 Annual Point to Point with Cap:  Cap 6.25%  - 1 Year S&P 500 Annual Point to Point with Participation Rate:  Part Rate 40% - 1 Year Barclays Atlas 5 Annual Point to Point PR:  Part Rate 150% - 1 Year S&P 500 RavenPack AI w/Participation:  Part Rate 160% - 1 Year S&P 500 RavenPack AI w/Spread:  Spread -2.5%  - 1 Year Barclays Atlas 5 Point-to-Point w/Spread:  Spread -2.25%  - NASDAQ Generations 5 w/Participation:  Part Rate 152% - NASDAQ Generations 5 w/Spread:  Spread -2.25%  - 1 Year S&P DuoSwift Point-to-Point w/Participation:  Part Rate 57% - 1 Year S&P 500 Monthly Average with Participation Rate:  Part Rate 75% - 1 Year S&P 500 Monthly Cap :  Cap 2.15%  #### August 15, 2024 – Effective Date of Change ## AuguStar **OrionShield 10 25,000+** - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.9%  - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 8.75%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 155% - 1-Year Fixed Account:  Rate: 3.9% **OrionShield 10 150,000+** - 1-Year Fixed Account:  Rate: 4.65% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 175% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 9.75%  - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% **OrionShield 10 Premium Bonus 25,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.5%  - 1-Year Fixed Account:  Rate: 2.3% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 6.15%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.8%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110% **OrionShield 10 Premium Bonus 150,000+** - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.8%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50% - 1-Year Fixed Account:  Rate: 2.55% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.75%  **OrionShield 5 25,000+** - 1-Year Fixed Account:  Rate: 3.65% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.9%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.75%  **OrionShield 5 150,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.4% **OrionShield 5 CA 25,000+** - 1-Year Fixed Account:  Rate: 3.65% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 9.9%  - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7.75%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% **OrionShield 5 CA 150,000+** - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9%  - 1-Year S&P 500 Annual Point to Point Cap :  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.4% **OrionShield 7 25,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.5%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year Fixed Account:  Rate: 3.8% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.9%  **OrionShield 7 150,000+** - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.55% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 145% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9.75%  **OrionShield 7 CA 25,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 8.5%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year Fixed Account:  Rate: 3.8% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.9%  **OrionShield 7 CA 150,000+** - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.55% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 145% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 120% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 9.75%  **OrionShield 7 Premium Bonus 25,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.75%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 1-Year Fixed Account:  Rate: 3.05% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 9%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.8%  **OrionShield 7 Premium Bonus 150,000+** - 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.8%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.25%  Part Rate 50% - 1-Year Fixed Account:  Rate: 3.55% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7%  **OrionShield 7 Premium Bonus CA 25,000+** - 1-Year Fixed Account:  Rate: 3.05% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 9%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.8%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 105% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.75%  **OrionShield 7 Premium Bonus CA 150,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 7%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 7.8%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 11.25%  Part Rate 50% - 1-Year Fixed Account:  Rate: 3.55% **OrionShield 9 CA 25,000+** - 1-Year Fixed Account:  Rate: 3.9% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 10.25%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 9.9%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110% - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 8.75%  - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 155% **OrionShield 9 CA 150,000+** - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 175% - 1-Year Russell 2000 Monthly Averaging Cap:  Cap 9.75%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 125% - 1-Year S&P 500 Annual Point to Point Cap:  Cap 10.9%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 12.5%  Part Rate 50% - 1-Year Fixed Account:  Rate: 4.65% **OrionShield 9 Premium Bonus CA 25,000+** - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 4.5%  - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 85% - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 110% - 1-Year Fixed Account:  Rate: 2.3% - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 6.15%  Part Rate 50% - 1-Year S&P 500 Annual Point to Point Cap :  Cap 5.8%  **OrionShield 9 Premium Bonus CA 150,000+** - 3-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 130% - 1-Year Barclays Global Trailblazer Annual Point to Point Participation Rate:  Part Rate 100% - 1-Year Russell 2000 Monthly Averaging Cap :  Cap 5.75%  - 1-Year S&P 500 Annual Point to Point Cap :  Cap 6.8%  - 1-Year S&P 500 Annual Point to Point Cap with Participation Rate (Higher):  Cap 8.75%  Part Rate 50% - 1-Year Fixed Account:  Rate: 2.55% #### MYGA - **LunarGuard 3 **10,000+  4.55% - **LunarGuard 3 **100,000+  4.75% - **LunarGuard 5 **10,000+  4.55% - **LunarGuard 5 **100,000+  4.75% - **LunarGuard 7 **10,000+  4.55% - **LunarGuard 7 **100,000+  4.75% #### Author:Webmaster [Next Leveraging Data Analytics for Targeted Marketing](https://blog.iamsinc.com/leveraging-data-analytics-for-targeted-marketing) [Previous Five Ways to Ruin the First Appointment](https://blog.iamsinc.com/five-ways-to-ruin-a-first-appointment) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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