Indexed Whole Life (AuguStar)
Lifelong protection with indexed crediting—the only IWL on the market—to help protect today and build tomorrow.
Indexed Whole Life (IWL) | CGJ Financial
Lifelong Protection. Built-In Growth.
Most people think insurance is just a cost. But the right plan can do more than protect—it can grow.
With an Indexed Universal Life (IWL) policy, you get both:
Lifelong protection for your family.
Cash value that grows, linked to the market (without the downside risk).
Flexibility that adapts as your needs change.
It’s protection and wealth-building—wrapped into one powerful plan.
Who This Is For
Families who want permanent protection that lasts a lifetime.
Savers who want growth potential without full market risk.
Anyone who wants flexibility in building wealth + protection together.
Take Action
The earlier you start, the more your plan can grow. Don’t wait.
Indexed Whole Life (IWL) | CGJ Financial
Lifelong Protection. Built-In Growth.
Most people think insurance is just a cost. But the right plan can do more than protect—it can grow.
With an Indexed Universal Life (IWL) policy, you get both:
Lifelong protection for your family.
Cash value that grows, linked to the market (without the downside risk).
Flexibility that adapts as your needs change.
It’s protection and wealth-building—wrapped into one powerful plan.
Who This Is For
Families who want permanent protection that lasts a lifetime.
Savers who want growth potential without full market risk.
Anyone who wants flexibility in building wealth + protection together.
Take Action
The earlier you start, the more your plan can grow. Don’t wait.
Permanent Protection
Coverage that lasts a lifetime—no renewals, no expiration.
Permanent Protection
Coverage that lasts a lifetime—no renewals, no expiration.
Permanent Protection
Coverage that lasts a lifetime—no renewals, no expiration.
Cash Value Growth
Indexed growth potential tied to market performance (with downside protection).
Cash Value Growth
Indexed growth potential tied to market performance (with downside protection).
Cash Value Growth
Indexed growth potential tied to market performance (with downside protection).
Flexibility
Access to cash value for life events—college, retirement, or emergencies.
Flexibility
Access to cash value for life events—college, retirement, or emergencies.
Flexibility
Access to cash value for life events—college, retirement, or emergencies.
Why Families Choose CGJ Financial
We don’t push products—we design strategies.
Here’s why families trust us:
We tailor IWLs to your real goals, not just numbers on paper.
We explain the growth, the risks, and the flexibility—plain English, no jargon.
We place you with trusted carriers like Ethos, American National, North American, Ameritas, Mutual of Omaha, SBLI, Corebridge, and more.
We review your plan annually to make sure it grows with your life.
That’s why 1K+ families already trust us—and why your IWL will always feel like an asset, not a burden.
The Bottom Line
Indexed Whole Life (IWL) gives you what most plans don’t: lifelong protection + cash value growth.
It’s protection that pays off in more ways than one.
Schedule Your Free Consultation or call +1 (512) 961-3525 today.
Because your protection should work as hard as you do.
FAQs
Is an IWL risky?
No. Growth is linked to indexes, but downside protection shields you from market losses.
Can I access the cash value?
Yes—you can use it for major life events, retirement, or emergencies.
Is this better than term life?
It depends. Term is affordable protection. IUL adds growth + permanence. Many families use both.
What if I already have life insurance?
We’ll review what you’ve got and only add or replace if the math proves it’s stronger.
Why Families Choose CGJ Financial
We don’t push products—we design strategies.
Here’s why families trust us:
We tailor IWLs to your real goals, not just numbers on paper.
We explain the growth, the risks, and the flexibility—plain English, no jargon.
We place you with trusted carriers like Ethos, American National, North American, Ameritas, Mutual of Omaha, SBLI, Corebridge, and more.
We review your plan annually to make sure it grows with your life.
That’s why 1K+ families already trust us—and why your IWL will always feel like an asset, not a burden.
The Bottom Line
Indexed Whole Life (IWL) gives you what most plans don’t: lifelong protection + cash value growth.
It’s protection that pays off in more ways than one.
Schedule Your Free Consultation or call +1 (512) 961-3525 today.
Because your protection should work as hard as you do.
FAQs
Is an IWL risky?
No. Growth is linked to indexes, but downside protection shields you from market losses.
Can I access the cash value?
Yes—you can use it for major life events, retirement, or emergencies.
Is this better than term life?
It depends. Term is affordable protection. IUL adds growth + permanence. Many families use both.
What if I already have life insurance?
We’ll review what you’ve got and only add or replace if the math proves it’s stronger.
1k+
Insured
Personalized Coverage
Right-sized design around your income, mortgage, debts, and goals—no fluff.
Personalized Coverage
Right-sized design around your income, mortgage, debts, and goals—no fluff.
Plain-English Guidance
Side-by-side options, transparent pricing, and a human advisor.
Plain-English Guidance
Side-by-side options, transparent pricing, and a human advisor.
A-Rated Carrier Access
Placement through respected carriers; we negotiate, you decide with confidence.
A-Rated Carrier Access
Placement through respected carriers; we negotiate, you decide with confidence.
Ongoing Service
Quarterly/Annual reviews, policy rescue when better options appear, and claims support.
Ongoing Service
Quarterly/Annual reviews, policy rescue when better options appear, and claims support.