Protect the people who depend on you
Final expense from $1,000 to $100,000 with no exam, decided in minutes. Term sized to the mortgage and the years that matter. Coverage you own, that moves with you.
Wealth Builders Insurance AgencyStop Just Protecting.
Stop Just Protecting.
Start Building a Legacy.
Most families don't have a money problem. They have a structure problem. One dollar can protect your family, grow with a floor under it, and reach them without a court, when it is built to.
National carriers · 15 States & Counting · Book Any Hour
Already have coverage through work? Four questions worth asking first →
Try it yourself
Following the index directly−24.00%
Credited to your index account+0.03%
The index fell, so the 0.75% floor is credited instead of the loss, less the 0.72% index account charge. The index loss does not reach the credit. The policy charges still come out, so the cash value can still fall in a floor year.
Uncapped on the way up. The index account only; policy charges come out separately and your illustration is the document to decide against. See how the crediting works →
15States Licensed
NPN 11126989Verifiable at NIPR
113%Current participation, uncapped
0.75%Indexed credit floor
Three doors, one strategy
Which one is you today?
Build wealth with a floor under it
One permanent policy doing five jobs: protection, money you can reach, a transfer outside probate, growth with a floor, and tax advantages when it is built right. Five to seven years or longer.
Learn the strategy, at home or in your room
Strive For Excellence: character, business and generational wealth for ages 14 and up, self-paced online or taught in a school, a masjid or a workplace. Level 1 is free, and you can start it today.
Our Proprietary Strategy
The Five Pillars of the Waterfall Wealth Creation Strategy™
Five pillars that fill in order, water from one basin to the next, so the foundation holds before anything is built on it.
Money fills each tier before it reaches the next. A gap anywhere near the top means the tiers below it never see a dollar, which is why the order matters more than the product.
01
Protection
Every wealth strategy begins with a foundation of life insurance protection; ensuring your legacy is never at risk.
02
Liquidity & Access
Reach your money before 59½ with no IRS penalty. Borrowing costs interest, and the early years carry a surrender charge.
03
Transfer of Wealth
Ensure wealth passes to the next generation generally free of income tax to your beneficiary, outside probate, and on your exact terms.
04
Asset Diversity
Our uncapped index account grows your money market-linked and tax-deferred, with a 0.75% floor so the indexed credit never goes negative in a down year.
05
Tax Advantages
Income from cash value that can reach you without an income tax bill, if the policy is built right and kept in force. Meant to sit beside a 401(k), not replace it.
Strive For Excellence · self-paced
Take the series home
Three courses and a bundle, on your own time, with every module gated so you finish what you start. Level 1, The Five Currents, comes free with each. A person who finishes one program keeps 20% off every later one.
Strive For Excellence
Ages 14 and up. The person.
$149
12 modules · or 3 payments of $55
Start Level 2 What it isThe Build
Ages 16 and up, and adults. The business.
$297
10 modules · or 3 payments of $109
Start Level 3 What it isThe Waterfall Wealth Creation Series
Adults, and ages 16 and up with a parent. The money.
$397
10 sessions · or 3 payments of $145
Start Level 4 What it isLevels 1 to 4, self-paced
One family member, all four levels, at their own pace. Level 5 opens after they finish.
$697
Three courses, 32 modules · or 4 payments of $195
Start the bundle Every priceEvery paid program is refundable for 30 days. Facilitated cohorts, site licenses and the Circle are on the pricing page.
Who You'd Be Working With
Chaka A. I. Ali
Licensed Managing Financial Strategist · Wealth Builders Insurance Agency
Author of The Leaky Bucket and The Waterfall Wealth Creation Blueprint
No call center. Every session is a conversation with a licensed person on our team who has read your file before picking up. We educate, we clarify, we align the strategy, and we write the coverage that fits.
We work best with families and business owners who plan five to seven years ahead or longer. They are building something to keep, and they want it built right.
In Their Own Words
What Clients Actually Say
There are 7 of them and every one is real; verified Google reviews, in the reviewer's own words, none of them edited. A small number shown honestly is worth more than a large one you would have to take on trust. The same theme runs through all of them: he explains, he does not push.
5.0from 7 Google reviewsChaka listened to find us a solution, not just a product. I can’t tell you how rare that is today! Very trustworthy and of high character. Highly Recommended!
Brother Chaka is very knowledgeable and works within your budget. He takes his time and converses with you about your needs and goals to make sure you get what is best for you and your family. He does not try and force anything on you. He reviewed some of my other policies and educated me on their gaps. Working with him I feel like I made a well informed decision.
He made navigating the life insurance process a walk in the park. How refreshing it was to work with someone who not only provided information so that I can make the most informed decision for myself and for my families long term needs, Chaka Ali took the time to answer all of my endless questions... It’s great to know that I can relax and feel secure knowing that I have someone in my corner who wants what’s best for me long term.
Reviews are shown as posted on our Google Business Profile. Where a quote is shortened for length it is marked with an ellipsis and no wording is changed. We abbreviate reviewer names out of respect for our clients' privacy, the full names are on Google if you want to check. Read all 7 on Google · Worked with us? Leave a review
Straight Talk
You've probably heard an IUL is a scam. Some of that is fair.
It gets oversold.
Pitched to people with no emergency fund, no match captured and no room to keep funding it. Sold that way, it fails.
The early years are expensive.
Acquisition costs mean not every dollar reaches the index account at first. Five to seven years is the minimum. It is a permanent policy, not a seven-year plan.
“The floor means you never lose.”
The floor stops the indexed credit going negative. Policy charges still come out, so cash value can dip in a floor year.
An IUL is the wrong tool for you if:
- You don't have three to six months of expenses set aside yet.
- You're not capturing your full employer 401(k) match.
- You need this money back within five to seven years.
- Your income is irregular enough that a steady premium would strain you.
- You mainly need the largest amount paid to your family for the lowest cost. That is term, and we write term.
If any of those is you, we say so on the call and point you to the right door. We would rather lose a sale than place a policy that lapses in year four. Every charge, on the IUL page.
Halal-aligned, and we will not pretend to be the scholar
Growth is index-linked, not interest-bearing, and access is a loan against your own cash value. We explain the mechanism and stop there. We never make the halal determination for you; bring the illustration to your own scholar and take their answer over ours.
If your job offers a 401(k) match, take all of it before you buy anything from us.
A fifty-cent match is an instant 50% return. Nothing we sell beats free money. Max the match; then, with dollars left over and a five to seven years horizon, come talk to us. IUL vs 401(k), side by side.
The most common thing we hear
“I'm good. I've got it handled.”
Usually true. But almost nobody has looked. Four questions; if you can answer all four off the top of your head, you are handled.
- 01
How much life insurance do you have, the number?
Not “some through work.” A policy sized for the life before the second kid or the bigger mortgage is not sized for this one.
- 02
Does it survive you leaving that job?
Group life almost always ends when the job does. It is one to two times salary, and it is rented, not owned.
And before you count yourself out: most people who assume they will not qualify actually do qualify. Managed blood pressure, controlled diabetes, a past surgery are priced, not refused. The answer is almost never no. It is a number.
- 03
If you needed $25,000 in thirty days, where would it come from?
Savings loses to inflation, the 401(k) sits behind an age wall, and a bank says yes on its own timetable. For most households the honest answer is a credit card.
- 04
Who is the beneficiary, and when did you last check?
An old form sends money to a different chapter of your life, and it overrides your will. Ten minutes to fix.
Start free, in this order
Read it. Map it. Score it.
1
The Leaky Bucket
Chaka's book on why doing everything right still feels one emergency away. Seven chapters, about an hour. No email, no sign-up.
Start reading
2
The Waterfall Wealth Creation Blueprint
The ten steps, in cascade order, from protection to generational wealth. The roadmap our clients use, free.
Get the Blueprint3
Your five pillar score
5 minutes of questions tell you which pillar is weakest in your own setup and where to start.
Take the assessmentReady to start?
Pick the session that fits where you are
Every session is free, by phone or video, with no obligation. Book any hour.
Free Consultation
Not sure where to start? We figure it out together. No pressure, no jargon.
Let's figure it outMost Popular
IUL Wealth Strategy Session
Your own uncapped index account, built on your numbers: see how an IUL fits your goals and timeline.
Book this sessionFinal Expense Review
Cover the costs so nobody you love carries them. Quick, kind, affordable.
Get protectedSix questions people ask us
Who is the licensed agent behind Wealth Builders Insurance Agency?
Chaka A. I. Ali, a licensed life and health insurance producer with National Producer Number 11126989, verifiable through the National Insurance Producer Registry at nipr.com. The agency is based in Charlotte, North Carolina.
Which states does Wealth Builders Insurance Agency serve?
North Carolina, South Carolina, Virginia, Texas, Maryland, Michigan, Minnesota, Arizona, Oregon, Ohio, Nebraska, Kansas, Florida, Georgia and New Jersey; 15 states, and counting. The whole process can be completed by video and phone.
Is an IUL a scam?
No, but some of the criticism is fair and worth stating plainly. Indexed Universal Life policies are frequently sold to people who should not own one, the early years carry real acquisition costs, and illustrations can be run at optimistic rates. It is a regulated life insurance contract under IRC section 7702, sold by licensed producers. Wealth Builders publishes who an IUL is wrong for, and tells every client to build an emergency fund and capture their full employer 401(k) match before buying anything.
How does Wealth Builders Insurance Agency get paid?
The carrier pays a commission when a policy is placed. Clients pay nothing for the strategy session, the illustration or the advice. Commission is higher on permanent coverage than on term, which is a real incentive, and the agency discloses it publicly rather than waiting to be asked.
What does the indexed account actually credit when the market falls?
The blended index account has a 0.75% floor on the indexed credit and a 0.72% annual index account charge. So a year in which the index falls credits about 0.03% rather than a loss. On the way up it participates at 113% with no cap. This describes the index account only; cost of insurance, the premium load and the monthly policy fee are separate, real, and depend on age and health.
Can I book an appointment outside business hours?
The calendar is open 24 hours a day, seven days a week, book at 2am if that is when you have a minute. The sessions themselves run Monday to Saturday, 9am to 8pm Eastern. A strategy session is 30 minutes. A review of a policy you already own is 60 minutes. Both are free, with no obligation.