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.

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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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