We help families and small business owners lock in life insurance, retirement income, and generational wealth strategies—tailored just for you.
Welcome to the home of Wealth Builders Insurance Agency, your trusted partner in Life Insurance and Financial Consulting. Real Protection. Real Results!
With over 24 years of experience, Wealth Builders Insurance Agency was founded on one mission: to empower families, entrepreneurs, and small businesses to build generational wealth and protect what matters most. We're not just insurance brokers—we're financial educators, community advocates, and strategic partners on your legacy-building journey.
As an Air Force veteran–owned and community-rooted business based in Charlotte, NC, we proudly serve clients across the U.S. with integrity, clarity, and heart. Whether it’s a first-time life policy, an annuity rollover, or a plan to leave a tax-free legacy—we customize every solution.
We are:
* Licensed in 10+ states with access to A+ rated carriers
* Trusted by families, business owners, and faith-based organizations
* Committed to transparency, education, and long-term impact
* Advocates for underserved communities and proactive wealth planning
* Active leaders in financial literacy workshops and community events
At Wealth Builders, we don’t just sell policies. We build peace of mind, one legacy at a time!
Protect Your Loved Ones with Customized
Life Insurance & Investment Solutions
Whole life insurance offers life-long permanent protection with guaranteed cash value growth. Whole life builds wealth you can borrow from while ensuring your legacy is secured for generations to come with fixed premiums.
It’s ideal for those seeking long-term financial security and wanting to leave a legacy. Lock in your health insurability with these lifetime plans.
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 with NO downside risk, 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. Ideal for building wealth and planning for retirement.
Final Expense insurance will cover you for life as a type of Whole Life Insurance. Prices are locked-in as these are permanent policies and never go up!
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 and left with a bill. No medical exam options available.
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. Perfect for young & growing families.
Lock in low rates and peace of mind while protecting your loved ones from unexpected loss. Options include ROP (Return Of Premiums) which will return all of your monies invested if you should never use the policy!
Annuities are powerful financial tools designed to provide stability, growth, and peace of mind for your retirement years. Whether you’re seeking guaranteed income, protection from market downturns, or a tax-deferred way to grow your savings, annuities offer unmatched benefits.
These flexible options are ideal for retirement planning, allowing you to secure a steady income stream, safeguard your legacy, and ensure your hard-earned assets remain protected no matter how the market performs.
A smart strategy to protect your retirement from market risk while building long-term stability.
Want to secure your family’s future—but not sure where to start? Get access to our Peace of Mind Toolkit™—an exclusive digital resource pack that helps you:
* Understand the real costs of funerals, debt, and estate delays
* Compare Term, Whole, IUL, and Final Expense options
* Learn how to use life insurance to build tax-free generational wealth
* Prepare your family with checklists, FAQs, bonus videos & more
🎁 Use code PeaceOfMind20 for $20 off your first toolkit download.
This isn’t just education—it’s your financial action plan!
oogle Reviews
Discover 5 urgent truths every family must know about life insurance — before it’s too late. Learn how to protect your legacy, avoid financial burden, and build generational wealth. Free checklist and... ...more
Insurance & Financial Consulting
May 11, 2025•5 min read
Life is unpredictable, but your family’s financial security doesn’t have to be. Final Expense Insurance is a simple, affordable way to protect your loved ones from unexpected costs like funerals, medi... ...more
Insurance & Financial Consulting
January 20, 2025•5 min read
Make the most of tax season by reviewing your financial plans, investments, and insurance policies. Discover how strategic use of tax refunds can strengthen your financial future through IULs, final e... ...more
Insurance & Financial Consulting
January 02, 2025•4 min read
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.
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