VM Capital Partners

Fixed Index Annuities

Grow your retirement savings with principal protection and market-linked upside. We partner with top-rated carriers to bring you the best fixed index annuity products available.

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0%
Floor — Your principal is protected
23%
Max Premium Bonus Available
3
Top-Rated Carriers
Tax
Deferred Growth
EquiTrust Life Insurance Company

MarketTen Bonus Index®

An 8% bonus on premiums paid in the first five years helps you boost your return and focus on accumulation. Your money is never exposed to downside market risk — your annuity value increases when the index goes up, but you won't lose money when the index goes down.

8% Premium Bonus Principal Protection Tax-Deferred Growth Free Withdrawals up to 10% Death Benefit Nursing Home Waiver
EquiTrust MarketTen Cover 1
How FIA Works 2
Advantages 3
Index Accounts 4
Important Features 6
Riders & Benefits 7
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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.
American Life & Security Corp.

American Select 10 Bonus Plus FIA

Stack premium and loyalty bonuses for maximum retirement growth. With a 23% premium bonus applied on day one and a 3% interest bonus at the end of the 10-year term, this product is designed for clients who want an immediate jump-start on accumulation.

23% Premium Bonus Day 1 3% Interest Bonus Year 10 10% Penalty-Free Withdrawals S&P 500 Intraday Index Nasdaq-100 Index Option Ages 0–85
American Life Select 10 Cover 1
American Life Disclosures 2
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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.
AuguStar Retirement — A Universe of Possibilities

OrionShield Fixed Indexed Annuity

Security and stability for the next chapter of life. OrionShield FIAs are designed to protect your principal while offering market-linked growth potential. With an optional Premium Bonus up to 21% and the Guaranteed Accumulation Protection (GAP) feature, your retirement assets are built to last.

Up to 21% Premium Bonus Guaranteed Accumulation Protection Zero Floor — No Market Loss Tax-Deferred Growth Death Benefit 7 & 10 Year Options
OrionShield Cover Cover

Click the button below to view the full 12-page OrionShield client guide including crediting strategies, premium bonus tables, and product features.

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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.
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Let's Find the Right Annuity for You

Every client's retirement timeline is different. Rick Cabezas will work with you personally to match the right carrier and product to your goals, risk tolerance, and timeline.

Schedule a Consultation 954-606-6600