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.

Planet earth with a purple and blue gradient

Product suite

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

Indexed Universal Life

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

Strong upside potential and efficient income distribution
Full suite of optional riders to meet client needs throughout their lives
Multiple loan options for additional flexibility

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

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

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, member of Constellation Insurance, Inc. family of companies. Product, product features and rider availability vary by state. Guarantees are based on the claims-paying ability of the issuer. Issuer not licensed to do business in New York.

Contract information

Join AuguStar

Customer support

Client login

Agent login