Starter Protection
Right-sized protection for families starting their financial journey.
Starter Protection | CGJ Financial
Start Strong. Keep It Simple.
You’ve got a new baby. A new home. A new set of responsibilities.
And here’s the scary truth nobody tells you:
The bills won’t stop if you do.
The mortgage won’t pause if life gets rough.
Your family’s future doesn’t wait.
That’s why we built Starter Protection. It’s protection that actually fits real families—without bloated premiums, confusing fine print, or sales tricks.
It’s affordable. It’s flexible. And it’s designed to make sure the people who count on you are safe if tomorrow doesn’t go as planned.
Who This Is For
Young families just starting out.
First-time homeowners who want security.
Anyone looking for budget-smart protection that can grow with them over time.
Starter Protection | CGJ Financial
Start Strong. Keep It Simple.
You’ve got a new baby. A new home. A new set of responsibilities.
And here’s the scary truth nobody tells you:
The bills won’t stop if you do.
The mortgage won’t pause if life gets rough.
Your family’s future doesn’t wait.
That’s why we built Starter Protection. It’s protection that actually fits real families—without bloated premiums, confusing fine print, or sales tricks.
It’s affordable. It’s flexible. And it’s designed to make sure the people who count on you are safe if tomorrow doesn’t go as planned.
Who This Is For
Young families just starting out.
First-time homeowners who want security.
Anyone looking for budget-smart protection that can grow with them over time.
Income Guard™
Replaces your paycheck so your family can keep living life—no matter what.
Income Guard™
Replaces your paycheck so your family can keep living life—no matter what.
Income Guard™
Replaces your paycheck so your family can keep living life—no matter what.
Mortgage Shield™
Coverage that matches your loan balance and term, so your family keeps the house and the memories.
Mortgage Shield™
Coverage that matches your loan balance and term, so your family keeps the house and the memories.
Mortgage Shield™
Coverage that matches your loan balance and term, so your family keeps the house and the memories.
Carrier Choice™
We shop over 15 A-rated carriers on your behalf. You get the best value—never a one-size-fits-all policy.
Carrier Choice™
We shop over 15 A-rated carriers on your behalf. You get the best value—never a one-size-fits-all policy.
Carrier Choice™
We shop over 15 A-rated carriers on your behalf. You get the best value—never a one-size-fits-all policy.
Why Families Choose CGJ Financial
We’re not insurance salespeople. We’re problem solvers.
Here’s how we do it differently:
We listen first—then tailor the plan to you.
We run the numbers—so you see exactly why it works.
We place you with top carriers like American National, North American, Ameritas, Mutual of Omaha, SBLI, Corebridge, and more.
We review every year—so your plan grows with you, not against you.
That’s why 1K+ families already trust us with their protection—and why you’ll feel confident the moment you sit down with us.
The Bottom Line
Life is unpredictable. But your family’s future doesn’t have to be.
Starter Protection gives you peace of mind today—knowing your loved ones won’t be left exposed tomorrow.
It’s simple. It’s affordable. And it’s designed to grow with you.
Schedule Your Free Consultation or call +1 (512) 961-3525 now.
Because tomorrow is never guaranteed.
FAQs
How much coverage do I need?
We usually recommend 7–10x your income, then tailor it around your debts, dependents, and goals.
Should I start with term or permanent?
Starter Protection is built around term—it’s simple and cost-effective. Permanent coverage can be layered in later as your needs evolve.
Do rates change?
No surprises. Term premiums stay level for your chosen term. Plus, we run Rate Rescue™ annually to make sure you’re always competitive.
What if I already have coverage?
We’ll review what you’ve got, fill in the gaps, and only replace it if the math clearly shows it’s better for you.
Ready to see how it works for you? Book a Free Consultation
Why Families Choose CGJ Financial
We’re not insurance salespeople. We’re problem solvers.
Here’s how we do it differently:
We listen first—then tailor the plan to you.
We run the numbers—so you see exactly why it works.
We place you with top carriers like American National, North American, Ameritas, Mutual of Omaha, SBLI, Corebridge, and more.
We review every year—so your plan grows with you, not against you.
That’s why 1K+ families already trust us with their protection—and why you’ll feel confident the moment you sit down with us.
The Bottom Line
Life is unpredictable. But your family’s future doesn’t have to be.
Starter Protection gives you peace of mind today—knowing your loved ones won’t be left exposed tomorrow.
It’s simple. It’s affordable. And it’s designed to grow with you.
Schedule Your Free Consultation or call +1 (512) 961-3525 now.
Because tomorrow is never guaranteed.
FAQs
How much coverage do I need?
We usually recommend 7–10x your income, then tailor it around your debts, dependents, and goals.
Should I start with term or permanent?
Starter Protection is built around term—it’s simple and cost-effective. Permanent coverage can be layered in later as your needs evolve.
Do rates change?
No surprises. Term premiums stay level for your chosen term. Plus, we run Rate Rescue™ annually to make sure you’re always competitive.
What if I already have coverage?
We’ll review what you’ve got, fill in the gaps, and only replace it if the math clearly shows it’s better for you.
Ready to see how it works for you? Book a Free Consultation
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.