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Mortgage Protection: Keep the Home. Protect the Family.
Mortgage Protection: Keep the Home. Protect the Family.
Mortgage protection made simple. Match your term to your loan, cover the balance, and keep your family in the home. Start online (no-exam options) or talk with a local Austin agent.
Mortgage protection made simple. Match your term to your loan, cover the balance, and keep your family in the home. Start online (no-exam options) or talk with a local Austin agent.
Mortgage Protection: Keep the Home. Protect the Family.
A mortgage is your biggest bill. If something happens to you, can your family keep the home? Mortgage protection life insurance is a simple way to make sure the answer is yes.
We’re based in Austin (78729) and help families across Texas by phone or video.
What this covers (in plain English)
Pays off or protects your mortgage if you pass away.
Keeps your family in the home—no fire sale, no panic.
Fits your budget with clear, simple plans.
Talk to a real person: Call 512-961-3525 or email cgallegos@cgjfinancial.com.
Ready now? Start My No-Exam Application →
How it works
Pick a term that matches your loan (often 20–30 years).
Choose a benefit big enough to pay off the remaining balance.
Apply online (many qualify for no exam) or by phone with us.
Sleep better—your home is protected.
Why families choose this
Simple: No jargon. Clear steps. Fast decisions in many cases.
Flexible: Term or permanent options. Add riders only if they help.
Local help: Austin-based agent guiding you every step.
Next step: Start My No-Exam Application or call 512-961-3525.
Common questions
Do I need a medical exam?
Many people qualify for no-exam coverage, depending on age, health, and the plan.
How much coverage should I buy?
At least your current mortgage balance. Some families add a little extra for taxes, moving costs, or a cushion.
What term length is best?
Match your remaining mortgage years (often 20–30 years).
Term or permanent—what’s best here?
Term Life (most common): Lower cost; lines up with your mortgage years (20–30 years).
Permanent (Whole Life / IUL): Lifetime coverage; can build cash value—useful if you want protection that never ends.
Can you review my existing life policy for this purpose?
Yes. Our Rate Rescue™ audit checks costs, riders, and gaps. If your current plan works, we keep it. If we can improve it, we’ll show you how.
What happens if I refinance or move?
We can adjust coverage when your mortgage changes. Simple policy review, no pressure.
Quick plan checklist
Term equals your remaining mortgage years.
Benefit covers today’s balance (plus a cushion if you want).
Add riders only when they solve a real problem (e.g., disability or critical illness).
Who you’ll work with
You’ll work directly with Cruz Gallegos and our CGJ Financial team—real people, real guidance, one point of contact.
We never replace a policy unless it clearly improves your outcome.
Ready to protect the home?
Call: 512-961-3525
Email: cgallegos@cgjfinancial.com
Start online (No-Exam): Start My No-Exam Application
We serve Austin, Dallas, Houston, San Antonio, Fort Worth—and families across Texas.
Mini glossary
Mortgage Protection: Life insurance designed to cover your loan so your family keeps the house.
Term Life: Coverage for a set number of years (often 20–30) with lower cost.
Permanent (Whole Life / IUL): Lifetime coverage that can build cash value.
Rider: Optional add-on for extra benefits.
Our promise
No scare tactics. No cookie-cutter plans. Just a smart, affordable way to protect the place your family calls home.
Take the next step now:
Start My No-Exam Application →
Or call 512-961-3525 to talk with us today.
Mortgage Protection: Keep the Home. Protect the Family.
A mortgage is your biggest bill. If something happens to you, can your family keep the home? Mortgage protection life insurance is a simple way to make sure the answer is yes.
We’re based in Austin (78729) and help families across Texas by phone or video.
What this covers (in plain English)
Pays off or protects your mortgage if you pass away.
Keeps your family in the home—no fire sale, no panic.
Fits your budget with clear, simple plans.
Talk to a real person: Call 512-961-3525 or email cgallegos@cgjfinancial.com.
Ready now? Start My No-Exam Application →
How it works
Pick a term that matches your loan (often 20–30 years).
Choose a benefit big enough to pay off the remaining balance.
Apply online (many qualify for no exam) or by phone with us.
Sleep better—your home is protected.
Why families choose this
Simple: No jargon. Clear steps. Fast decisions in many cases.
Flexible: Term or permanent options. Add riders only if they help.
Local help: Austin-based agent guiding you every step.
Next step: Start My No-Exam Application or call 512-961-3525.
Common questions
Do I need a medical exam?
Many people qualify for no-exam coverage, depending on age, health, and the plan.
How much coverage should I buy?
At least your current mortgage balance. Some families add a little extra for taxes, moving costs, or a cushion.
What term length is best?
Match your remaining mortgage years (often 20–30 years).
Term or permanent—what’s best here?
Term Life (most common): Lower cost; lines up with your mortgage years (20–30 years).
Permanent (Whole Life / IUL): Lifetime coverage; can build cash value—useful if you want protection that never ends.
Can you review my existing life policy for this purpose?
Yes. Our Rate Rescue™ audit checks costs, riders, and gaps. If your current plan works, we keep it. If we can improve it, we’ll show you how.
What happens if I refinance or move?
We can adjust coverage when your mortgage changes. Simple policy review, no pressure.
Quick plan checklist
Term equals your remaining mortgage years.
Benefit covers today’s balance (plus a cushion if you want).
Add riders only when they solve a real problem (e.g., disability or critical illness).
Who you’ll work with
You’ll work directly with Cruz Gallegos and our CGJ Financial team—real people, real guidance, one point of contact.
We never replace a policy unless it clearly improves your outcome.
Ready to protect the home?
Call: 512-961-3525
Email: cgallegos@cgjfinancial.com
Start online (No-Exam): Start My No-Exam Application
We serve Austin, Dallas, Houston, San Antonio, Fort Worth—and families across Texas.
Mini glossary
Mortgage Protection: Life insurance designed to cover your loan so your family keeps the house.
Term Life: Coverage for a set number of years (often 20–30) with lower cost.
Permanent (Whole Life / IUL): Lifetime coverage that can build cash value.
Rider: Optional add-on for extra benefits.
Our promise
No scare tactics. No cookie-cutter plans. Just a smart, affordable way to protect the place your family calls home.
Take the next step now:
Start My No-Exam Application →
Or call 512-961-3525 to talk with us today.
