Life insurance products - AuguStar Financial
Life Insurance | Retirement
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A universe of options

Clients come to us with a wide variety of financial challenges, and there are nearly as many potential solutions. That’s where we come in. AuguStar Life has a full suite of products, helping you cover everything from accumulation and income distribution to low-cost death benefit protection.

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Product suite

IWL

Indexed Whole Life

Prestige indexed whole life offers the guarantees of whole life, combined with higher, market-based growth potential

  • Index-based growth* allows for higher upside potential when markets are performing well
  • Offers the guaranteed cash value accumulation, death benefit protection and level premiums you expect from whole life
  • Diverse Index Accounts and a competitive Fixed Account
IUL

Indexed Universal Life

Virtus IUL II gives clients a balance of accumulation, distribution and protection, with the flexibility to adapt to life’s changes

  • Low expenses allow for strong upside potential
  • Full suite of optional riders to meet client needs throughout their lives
  • Multiple loan options for additional flexibility
PIUL

Protection Indexed Universal Life

Virtus Protection IUL offers clients protection-forward coverage and long-term value

  • Long-term protection with index-based growth to help maintain coverage
  • High consumer value with strong internal rates of return at age 90
  • Low-cost guaranteed premiums with a sweet spot for clients ages 45-60
WL

Whole Life

Prestige Whole Life products are designed to provide substantial protection and flexibility

  • Efficient product design helps keep costs down and more of each client’s assets working to meet their goals
  • Non-direct recognition dividend scale means policy loans won’t reduce the dividend an eligible policyholder receives
  • Protection Plus Rider allows term blending for additional policy design flexibility and greater cash value accumulation potential

Term Life

FlexTerm Series offers product and conversion options

  • Term Plus clients can convert to any permanent life product available at the time of conversion, offering substantial flexibility for future needs
  • Recap Term product lets clients recapture term insurance premium payments once their budget allows for permanent coverage
  • Competitive 10-, 15- and 20-year rates
UL

Universal Life

Built to provide affordable protection in a low interest rate environment

  • Flexible, low-expense design
  • Fits client buying for lifetime affordable death benefit

*Interest linked growth is based in part on the movement of the selected market index and is subject to applicable caps, spreads, and/or participation rates.

Products issued by AuguStar Life Insurance Company and AuguStar Life Assurance Corporation. Guarantees are based on the claims-paying ability of the issuers. Products, product features, and rider availability vary by state. Issuers not licensed to conduct business in NY.

AuguStar Life and AuguStar Retirement are members of the Constellation Insurance family of companies, a leading insurance holding company providing protection, retirement income and (re)insurance solutions.

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