Terms of Service
Sep 21, 2025
Welcome to CGJ Financial! These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
1. Acceptance of Terms
By using CGJ Financial website or services, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using our website or services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Services Provided
CGJ Financial provides financial advisory services, including but not limited to:
Starter Protection – Affordable entry-level financial protection for families beginning their financial journey.
The Freedom Plan™ – Comprehensive strategy to protect your family, keep your home secure, and grow wealth with confidence.
Wealth Protector™ – Advanced planning solutions for long-term wealth management, legacy protection, and private-client guidance.
Life Insurance – Permanent and term life insurance solutions designed to replace income, safeguard your home, and secure your family’s future.
Mortgage Protection – Simple, affordable mortgage protection policies to pay off or cover your mortgage if the unexpected happens.
Retirement Income & Safe Growth – Principal protection, safe growth strategies, and guaranteed lifetime income options for retirement planning.
Final Expense Coverage – Permanent life insurance to cover funeral, medical, and last expenses, ensuring peace of mind for loved ones.
Children’s Life & Legacy – Flexible life insurance solutions for children that provide lifelong protection and financial growth.
Indexed Whole Life (AuguStar) – Exclusive indexed whole life insurance with crediting strategies designed for growth and protection.
Key Person Coverage – Business insurance to protect companies from the financial loss of a key leader or employee.
Executive Fringe Benefits (Bonus / SERP) – Executive compensation solutions, including selective benefits and golden-handcuff strategies.
Buy-Sell Funding – Funding strategies for buy-sell agreements to ensure smooth business transitions and succession planning.
Corporate Cash Value (IUL & Whole Life) – Corporate-owned life insurance strategies to build tax-advantaged cash value and financial growth.
Legacy & Estate Planning (ILIT / SLAT / Family Trusts) – Estate transfer, trust structures, and legacy planning to protect wealth for future generations.
Owner Retirement & Safe Growth – Wealth strategies designed for business owners to protect principal, ensure retirement security, and grow safely.
Policy Review & Rescue – Complimentary reviews of existing policies to identify gaps, inefficiencies, or opportunities for better coverage.
Retirement planning
Investment management
Tax optimization
Estate planning
Insurance planning
These services are subject to change or discontinuation at any time without notice.
3. User Responsibilities
By using our website or services, you agree to:
Provide accurate and complete information when requested.
Use our website and services only for lawful purposes.
Not engage in any activity that disrupts or interferes with our website or services.
Not attempt to gain unauthorized access to our systems or data.
4. Intellectual Property
All content on CGJ Financial website, including text, graphics, logos, and images, is the property of CGJ Financial or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.
5. Limitation of Liability
CGJ Financial and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our website or services. This includes, but is not limited to, loss of profits, data, or business opportunities.
6. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without any warranties, express or implied. CGJ Financial does not guarantee the accuracy, completeness, or reliability of any content or services provided.
7. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only. CGJ Financial is not responsible for the content or practices of these websites. Your use of third-party websites is at your own risk.
8. Termination
CGJ Financial reserves the right to terminate or suspend your access to our website or services at any time, without notice, for any reason, including but not limited to a violation of these Terms.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved exclusively in the courts of New York.
10. Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms.
11. Contact Us
If you have any questions or concerns about these Terms, please contact us at: