Products - AuguStar Financial
Life Insurance | Retirement
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A universe of stellar products

Our company has a long history of designing efficient, low-cost products that deliver exceptional policyholder value. They can help you solve a wide range of protection and planning challenges for your clients, addressing the needs of individuals and businesses.

Life InsuranceAnnuities
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Life insurance

IWL

Indexed Whole Life

Prestige indexed whole life combines guaranteed protection with index-based accumulation

  • 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 keeps expenses low, offering clients protection and potential

  • Low cost product keep expenses down for
    strong upside potential and downside
    protection
  • Diverse Index Accounts and competitive Fixed Account
  • Multiple loan options for additional flexibility
WL

Whole Life

Prestige Whole Life products are designed to provide unparalleled 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

Annuities

A

Annuities

Built to meet biggest retirement challenges

  • Orbiter® Growth fixed indexed annuities offer higher growth potential for clients focused on increasing their assets
  • Orbiter® Income fixed indexed annuities are geared toward providing guaranteed lifetime income for individuals and married couples
  • LunarLock multi-year guaranteed annuity ensures growth regardless of market conditions

*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.

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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