CJUS Life
Ensure your peace of mind and that of your loved ones. Live worry-free today, knowing that the future is already protected.
About the Agent
Hello, my name is Otavio Camargo, and I work as a licensed insurance agent, specializing in life insurance. I am licensed by the California Department of Insurance (#4445164) and affiliated with National Life Group and Five Rings Financial. My main goal is to offer efficient and personalized solutions that provide security and stability for you and your family in the face of unexpected events.
Those who love, protect. Smart and reliable solutions within your reach.
What are the benefits of choosing our insurance plans?
“More than just insurance policies, our products are protection tools designed to provide stability and security for you and your loved ones – especially during life’s most challenging moments. Through a clear and personalized analysis, I deliver solutions that combine planning, protection, and emotional peace of mind. I work with responsibility, ethics, and a long-term vision, helping each client make informed decisions aligned with their individual needs.”
✅ Guaranteed Protection: Coverage in case of unforeseen events, securing your loved ones’ future.
✅ Living Benefits: Different plans may include payouts for critical illnesses, disability, or emergency assistance – providing support when you need it most.
✅ Affordable Cost: High-value protection with payments that fit your budget.
✅ Flexibility: Choose the coverage amount and term that best suit your needs.
Live with Confidence – Today and Always
With National Life’s Term Insurance, you not only protect those you love but also gain benefits that make a difference while you’re still alive. Take care of your future without giving up the present.
National Life – Protection that supports every stage of your life.
Flex Life 2019 IUL – Indexed Universal Life Insurance from National Life Group – Protection and Financial Growth
What is Flex Life 2019 IUL?
Flex Life 2019 IUL is an Indexed Universal Life (IUL) insurance policy from National Life Group, designed to provide financial protection for your family while offering growth potential based on stock market performance – with no direct risk of market losses. With flexible premiums and the opportunity to build cash value over time, Flex Life 2019 IUL is a smart solution for those seeking both security and financial growth.
Key Benefits of Flex Life 2019 IUL
✅ Guaranteed Protection for Your Family
Income tax-free death benefit for your beneficiaries
Options for lifetime or term coverage
✅ Index-Based Growth
Cash value linked to the performance of indexes such as the S&P 500®
Downside protection: if the index drops, your cash value doesn’t decrease
Potential for long-term cash value accumulation
✅ Flexible Payments
Adjust premiums to fit your financial needs
Access accumulated value through loans or withdrawals (subject to policy terms)
✅ Inflation Protection
Potential cash value growth helps preserve your purchasing power over time
✅ Tax Advantages
Tax-deferred cash value growth
Income tax-free death benefit for your beneficiaries
Who Is Flex Life 2019 IUL For?
Families seeking financial security
Professionals looking to protect income and build long-term value
Conservative investors wanting market exposure with downside protection
Retirement planners seeking a complementary strategy to a 401(k) or IRA
Why Choose National Life Group?
Over 170 years of experience in the insurance industry
Commitment to financial strength and stability
Personalized service to help you achieve your goals
About the Agente
Hello, my name is Otavio Camargo, and I work as a licensed insurance agent, specializing in life insurance. I am licensed by the California Department of Insurance (#4445164) and affiliated with National Life Group and Five Rings Financial. My main goal is to offer efficient and personalized solutions that provide security and stability for you and your family in the face of unexpected events.
Those who love, protect. Smart and reliable solutions within your reach.
What are the benefits of choosing our insurance plans?
“More than just insurance policies, our products are protection tools designed to provide stability and security for you and your loved ones – especially during life’s most challenging moments. Through a clear and personalized analysis, I deliver solutions that combine planning, protection, and emotional peace of mind. I work with responsibility, ethics, and a long-term vision, helping each client make informed decisions aligned with their individual needs.”
✅ Guaranteed Protection: Coverage in case of unforeseen events, securing your loved ones’ future.
✅ Living Benefits: Different plans may include payouts for critical illnesses, disability, or emergency assistance – providing support when you need it most.
✅ Affordable Cost: High-value protection with payments that fit your budget.
✅ Flexibility: Choose the coverage amount and term that best suit your needs.
Live with Confidence – Today and Always
With National Life’s Term Insurance, you not only protect those you love but also gain benefits that make a difference while you’re still alive. Take care of your future without giving up the present.
National Life – Protection that supports every stage of your life.
Flex Life 2019 IUL – Indexed Universal Life Insurance from National Life Group – Protection and Financial Growth
What is Flex Life 2019 IUL?
Flex Life 2019 IUL is an Indexed Universal Life (IUL) insurance policy from National Life Group, designed to provide financial protection for your family while offering growth potential based on stock market performance – with no direct risk of market losses. With flexible premiums and the opportunity to build cash value over time, Flex Life 2019 IUL is a smart solution for those seeking both security and financial growth.
Key Benefits of Flex Life 2019 IUL
✅ Guaranteed Protection for Your Family
Income tax-free death benefit for your beneficiaries
Options for lifetime or term coverage
✅ Index-Based Growth
Cash value linked to the performance of indexes such as the S&P 500®
Downside protection: if the index drops, your cash value doesn’t decrease
Potential for long-term cash value accumulation
✅ Flexible Payments
Adjust premiums to fit your financial needs
Access accumulated value through loans or withdrawals (subject to policy terms)
✅ Inflation Protection
Potential cash value growth helps preserve your purchasing power over time
✅ Tax Advantages
Tax-deferred cash value growth
Income tax-free death benefit for your beneficiaries
Who Is Flex Life 2019 IUL For?
Families seeking financial security
Professionals looking to protect income and build long-term value
Conservative investors wanting market exposure with downside protection
Retirement planners seeking a complementary strategy to a 401(k) or IRA
Why Choose National Life Group?
Over 170 years of experience in the insurance industry
Commitment to financial strength and stability
Personalized service to help you achieve your goals
Mutual Company
People Centered
Living Benefits
National Life has no shareholders — it is owned by its policyholders. This means its decisions are focused on the well-being and interests of its clients, not on generating profits for investors. When profits are made, they can be returned in the form of benefits, such as dividends or product enhancements — because your best interest, as a client, always comes first.
With a focus on innovation and people, National Life stands out in IUL strategy and a wide range of financial products, including life insurance, retirement planning, estate transfer, and business protection. All with a commitment to delivering long-term security, growth, and financial stability.
National Life Group’s products provide financial security not only for the future, but also throughout your life. With living benefits, you can access a portion of your policy’s value in cases of critical illness—ensuring financial support during life’s most challenging moments while preserving your quality of life alongside the ones you love.
Mutual Company
National Life has no shareholders — it is owned by its policyholders. This means its decisions are focused on the well-being and interests of its clients, not on generating profits for investors. When profits are made, they can be returned in the form of benefits, such as dividends or product enhancements — because your best interest, as a client, always comes first.
People Centered
With a focus on innovation and people, National Life stands out in IUL strategy and a wide range of financial products, including life insurance, retirement planning, estate transfer, and business protection. All with a commitment to delivering long-term security, growth, and financial stability.
Living Benefits
National Life Group’s products provide financial security not only for the future, but also throughout your life. With living benefits, you can access a portion of your policy’s value in cases of critical illness—ensuring financial support during life’s most challenging moments while preserving your quality of life alongside the ones you love.
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