⏰ JANUARY 2026 RATE LOCK DEADLINE: 23 Days Remaining | Q1 Enrollment Window Closes Jan 31st
ATTENTION: FAMILIES WHO WORRY ABOUT LEAVING LOVED ONES UNPROTECTED
The CGJ Method:
How Families Eliminate Financial Worry and Secure Their Future
Without Bank Traps, Shrinking Coverage, or Job-Loss Gaps
Get real family protection in under 30 minutes - while confusing policies keep your family EXPOSED. This is why lender-sold policies, employer coverage, and online quotes have FAILED to deliver when families need them most.
Claim Your FREE Consultation
What Waiting Actually COSTS Your Family
Every day you delay = money out of your pocket and risk to your loved ones
Wait 30 Days
Average rate increase:
$8-15/month = $96-180/year MORE
Wait Until Next Birthday
Age bracket increase:
$200-400/year MORE for life
Wait Until Health Changes
One diagnosis =
2-3x higher rates OR denial
Wait Until 'Later'
Your family pays the ultimate price:
$0 protection
🔴 LIVE NOW: 100+ families protected in January 2026 | Multiple consultations booked daily
Can You Guess Which 'Insurance' Actually Leaves Your Family EXPOSED?
Is it employer life... bank-sold mortgage protection... PMI... online 'instant' offers... or that lender certificate you threw in the trash?
One of these is the reason families lose their homes EVERY SINGLE DAY - while still paying for 'protection.'
Most sound like a sure bet, but only ONE truly protects your partner and kids the moment they need it most.
You'll be SHOCKED which one has quietly failed THOUSANDS of American families.
What if you're paying for the WRONG protection right now?
Imagine never lying awake at night, finally knowing your loved ones could keep the house, keep the kids in their schools, and breathe easy - no matter what happens.
Picture their faces after the worst, realizing you did it RIGHT:
NO denied claims
NO bank whispering 'not covered'
NO uprooted kids
NO angry in-laws
Just REAL freedom from that ache in your chest.
This Offer Won't Last - Protect Your Family BEFORE The Window Closes

⚠️ JANUARY 2026 PRIORITY ENROLLMENT: Limited consultation slots remaining before Q1 window closes Jan 31st. Carriers limit new policy approvals each quarter.
Most families don't realize - Q1 2026 qualified rates are ONLY guaranteed through January 31st. After that, carriers reset pricing and availability for Q2.
Miss this window? You'll wait until April 2026 for the next enrollment period - and rates WILL be higher.
Once our carrier slots are full, you could pay MUCH HIGHER premiums the next time you look. There's no guarantee the same fast-approval, no-exam offers will be available tomorrow.
Whether you're a trucker on the road, a grandparent planning ahead, a business owner, or anyone protecting their family's future...
And no bank will step in and help your family the way you want.
Right now is your chance to lock in real security, with a plan designed strictly for YOUR loved ones - and priced for peace of mind.
87%
⚠️ SHOCKING STATISTIC
of American Families Will Never Truly Secure Their Home Without The Right Guidance
Sadly, most homeowners will NEVER see real mortgage protection. They're steered toward confusing, bank-backed options or work plans that VANISH when life changes.
But you can break that cycle TODAY.
Families Are Taking Action RIGHT NOW
100+
Families Protected
in January 2026
5-10
Consultations Booked
Daily
—
Multiple Policies Approved
Daily
Millions
Coverage Secured
This Month
Don't be the family that waits too long. While you're reading this, other families are locking in their 2026 rates and securing their future.
The January 2026 Window Won't Stay Open Forever

⏰ Average time from consultation to approval: 36 hours | Limited slots remaining this month
Real Families. Real Protection. Real Peace of Mind.
"I was paralyzed by all the confusing mailers after we closed on our home. Cruz cut through the noise in one 10-minute call. Got approved same day, no exam. Now I actually sleep at night knowing my kids won't lose their home."
- Michael R., Project Manager, Plano
"As a long-haul trucker, I'm on the road 250 days a year. My employer coverage was a joke. Cruz set me up with portable protection that follows me anywhere - and my partner can actually collect if something happens. Finally, real peace of mind."
- James T., Commercial Truck Driver, Oklahoma
"At 68, I wanted to make sure my final expenses were covered and leave something for my grandkids. Every other agent wanted to sell me expensive whole life. Cruz showed me affordable term that actually makes sense. No pressure, just honest guidance."
- Dorothy M., Retired Teacher, Arizona
⭐⭐⭐⭐⭐ 5-Star Rated on Google
Your Family Deserves This Peace of Mind Too
Cruz Gallegos Jr.
State Licensed Life Insurance Broker
NPN #21347811
Specializing in mortgage protection and family security
"I've helped over 500 American families avoid the mortgage protection traps that keep me up at night. The scammy mailers. The decreasing coverage. The claims that take months.
Whether you're worried about leaving your family with debt, concerned about your partner's financial security, or planning to leave a legacy - I've seen too many families lose everything after tragedy struck.
Not because they didn't have insurance, but because they had the WRONG insurance.
I became a broker because I believe every family deserves HONEST guidance and REAL protection - not sales tactics.
I'm here to make sure that never happens to your family."
Why Choose Us
Why Families Trust CGJ Financial
We understand life insurance can feel overwhelming. That's why we make it simple, transparent, and tailored to your needs. Here's what sets us apart:
Personalized Service
Tailored solutions for your family's unique needs, goals, and budget.
A+ Rated Carriers
Partnering with top-rated carriers for financial stability and reliable claims.
Competitive Rates
Exclusive pricing from multiple carriers. Best coverage at the most affordable price.
Lifetime Support
Ongoing support for questions, policy updates, and family needs. We're here for life.
Let's Protect Your Family Together
What Real Protection Actually Costs
Less than your daily coffee. More valuable than ANYTHING ELSE you'll buy this year.
Real American Families, Real Coverage, REAL RESULTS
Michael, 34 - Project Manager
$500,000 Coverage | $67/month
Protects mortgage + 3 years income replacement
Approved in 24 hours, no medical exam
"Less than we spend on streaming services. My partner FINALLY sleeps at night."
James, 41 - Long-Haul Truck Driver
$400,000 Coverage | $58/month
Portable protection that follows him anywhere
Covers family income + funeral expenses
"My employer plan was WORTHLESS. This actually protects my family if I'm gone."
Dorothy, 68 - Retired Teacher
$150,000 Coverage | $89/month
Final expense + legacy for grandchildren
No medical exam, approved in 48 hours
"Every other agent pushed expensive whole life. Cruz showed me what I ACTUALLY needed."
Premium Protection: They Stopped Asking 'What If' - They DID It
Sarah, 39 - Business Owner
$2,000,000 Coverage | $285/month
Complete family security: mortgage + college funds + 10 years income
Approved in 48 hours with simplified underwriting
"I used to lie awake thinking 'what if my business fails AND something happens to me?' Now I sleep like a baby. My family is SET no matter what."
Marcus, 45 - Senior Engineer
$1,500,000 Coverage | $215/month
Full mortgage payoff + kids' education + partner's retirement security
Portable coverage through 3 job changes
"Every promotion meant more responsibility, more stress. This policy erased the 'what if I don't make it to retirement' fear. My family's future is LOCKED IN."
Linda & Tom, 52 & 54 - Empty Nesters
$1,000,000 Joint Coverage | $380/month
Estate planning + final expenses + legacy for grandchildren
No medical exam, approved same week
"We stopped asking 'what if one of us goes first?' We HANDLED it. Our kids won't scramble. Our grandkids' college is funded. Pure peace."
The difference between worrying about 'what if' and knowing 'I DID' is one conversation.
Which side do you want to be on?
Here's the difference:
Bank-sold mortgage insurance DECREASES as you pay down your loan. You pay the same, get less coverage every year, and the bank gets paid - not your family.
Level-term life insurance STAYS THE SAME. Same coverage, same price, for 10-30 years. Your family gets every dollar directly. No bank. No middleman. No confusion.
  • ⚡ Most policies approved in 24-48 hours
  • ✓ NO medical exam required for most applicants
  • ✓ Coverage starts IMMEDIATELY upon approval
Available 7 days/week, 8am-8pm • Response time under 10 minutes

⚠️ JANUARY 2026 RATE LOCK EXPIRES JAN 31ST: Don't wait for rates to increase or health to decline. Lock in your Q1 2026 rate TODAY - before the enrollment window closes and pricing resets for Q2.
Every Day Without Protection Is a Gamble You DON'T Have to Take
Right now, your family is ONE TRAGEDY AWAY from losing everything you've worked for.
Not because you're irresponsible. But because the insurance industry makes it confusing ON PURPOSE.
Here's what I know: Most families pay less than $1/day for $500,000 in real protection. That's less than your morning coffee.
But it's the difference between:
  • ✓ Your kids staying in their school
  • ✓ Your partner keeping the house
  • ✓ Your family staying together in the home you built
The question isn't 'can you afford it?'
It's 'can you afford NOT to?'
Whether you're a homeowner, a trucker, a grandparent, or anyone who wants to protect the people you love - take 10 minutes right now:
Available 7 Days a Week, 8am-8pm
Response Time: UNDER 10 MINUTES
No Pressure. No Obligation. Just HONEST Answers.
This Is What Protection Looks Like
When the unthinkable happens, your family doesn't just survive - they thrive
This is the moment that makes it all worth it.
Not when you sign the policy. Not when you pay the premium.
But years later, when your family realizes: They kept the house. The kids stayed in their schools. College is paid for. The mortgage is gone. Life goes on.
Because YOU made one decision that changed everything.
That's what real protection looks like. That's what peace of mind delivers.
Your family won't just remember you - they'll THRIVE because of you.
Give Your Family This Future - Start Today