Secure Your

Family's Future

Build Generational Wealth With

Customized Life, Health & Wealth Solutions

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Young Black family enjoying time together, representing the importance of life insurance in protecting loved ones and building a secure financial future.
Insurance agent assisting senior couple, offering guidance on life insurance options for retirement planning and financial security.

Welcome to the home of Wealth Builders Insurance Agency, your trusted partner in Life Insurance, ACA/ObamaCare Health Insurance and Wealth Insurance Consulting!

We're a independent life insurance & financial consulting firm that specializes in helping families and small businesses build generational wealth through customized insurance and financial solutions.

With over 24 years of experience helping families, we take a personable and solution-oriented approach, guiding you through the many options to find the perfect fit for your needs and goals. Community-focused and family-driven, we understand the importance of securing a brighter future for your loved ones, and we're here to help you every step of the way

Coverages Offered

Protect Your Loved Ones with Customized

Life, Health & Wealth Insurance Solutions

ACA Health Options
Health and dental insurance cards, representing comprehensive ACA health coverage options for medical and dental care.

Confused by the Affordable Care Act and its requirements? Our experienced team of healthcare advisors offers personalized assistance, ensuring you navigate your options smoothly and secure the most affordable and comprehensive coverage.

Explore plans in your area TODAY, open enrollment is Nov 1st 2024 - Jan 15 2025.

Health and dental insurance cards, representing comprehensive ACA health coverage options for medical and dental care.
Two hands covering a family, representing the comprehensive protection and security of whole life insurance.
Whole Life Insurance
Two hands covering a family, car, and home, representing the comprehensive protection and security of whole life insurance.

Whole life insurance offers life-long coverage with fixed premiums and builds cash value over time, which can be accessed during your lifetime.

It’s ideal for those seeking long-term financial security and an wanting to leave a legacy.

Hands counting bills, highlighting the importance of financial planning for final expenses through life insurance.
Final Expense Insurance
Hands counting bills, highlighting the importance of financial planning for final expenses through life insurance.

Final Expense insurance will cover you for life as a type of Whole Life Insurance. Prices are locked-in as these are permanent policies.

It's an affordable way to cover end-of-life costs, such as funeral expenses, medical bills, and other debts, ensuring your loved ones aren’t burdened financially.

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Indexed Universal Life Insurance
Hand stacking coins from smaller to larger, symbolizing the growth potential of an Indexed Universal Life (IUL) insurance policy.

This is a type of a Whole permanent policy that combines life insurance protection with the potential for cash value growth linked to a market index, offering both security and growth opportunities.

It provides flexibility in premium payments and death benefit options, allowing you to adjust your plan as your needs change. The cash value grows tax-deferred, and you can access it during your lifetime through tax-free loans or withdrawals.

Hand stacking coins from smaller to larger, symbolizing the growth potential of an Indexed Universal Life (IUL) insurance policy.
Term Life Insurance
Umbrella providing protection for a group of people, symbolizing the security and coverage offered by life insurance policies.

Term life insurance provides affordable coverage for a specific period, such as 10, 20, or 30 years, making it a great solution for covering temporary needs like replacing income, providing for young children, or protecting your mortgage.

Umbrella providing protection for a group of people, symbolizing the security and coverage offered by life insurance policies.

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Frequently Asked Questions

Common Questions Answered for your convenience.

What is life insurance, and how does it work?

Life insurance is a contract between you and an insurance provider where, in exchange for regular premium payments, your beneficiaries receive a lump-sum payment upon your death to help cover expenses, debts, or provide financial security.

What are the different types of life insurance?

The two main types of life insurance are term life, which provides coverage for a specific period, and whole life (or permanent life insurance), which offers lifetime coverage and may include a cash value component.

How much life insurance coverage do I need?

The amount of coverage depends on your personal circumstances, including income, debts, dependents, and future financial goals like education or retirement for your family. A common recommendation is to have 10-15 times your annual income.

How are life insurance premiums determined?

Premiums are typically based on factors such as age, health, lifestyle, occupation, and the amount of coverage you choose. Smoking, pre-existing medical conditions, and high-risk activities can increase your premium.

What happens if I miss a premium payment?

If you miss a payment, many policies offer a grace period to make up the premium. If the payment isn't made during that time, the policy may lapse, and coverage will end. Some whole life policies may allow you to use accumulated cash value to cover premiums temporarily.

Can I change my life insurance policy after it starts?

Yes, depending on the policy, you may be able to adjust coverage, switch beneficiaries, or even convert a term life policy to a whole life policy. It’s best to review your options with your provider to ensure flexibility as your needs evolve.