IUL Wealth Engineering

Tax-Free Growth • Access • Legacy Transfer

Wealth Builders Insurance Agency

We design properly structured Indexed Universal Life (IUL) strategies using tax-advantaged rules to help professionals, business owners, and families protect, build, and transfer wealth — tax-free and by design.

Engineer My IUL Strategy Today
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R. Henley

⭐⭐⭐⭐⭐

Chaka was very helpful and knowledgeable about the different products. He helped me understand and choose the best option that was suitable for my family.

How Can IULs Help Me Build A Legacy?

Wealth Builders Insurance Agency

Young family walking and smiling together on a beach, representing happiness, health, and togetherness by planning ahead using the IUL benefits.

Imagine having a life insurance policy that not only protects your loved ones but also builds wealth you can access in the future. Indexed Universal Life (IUL) insurance combines the protection of life insurance with the growth potential of index-linked cash accumulation, giving you financial security and a way to grow your savings—all in one plan!

With an IUL, you can enjoy tax-advantaged growth, flexible premiums, and a policy that adapts with you as life changes. Take control of your financial future today and discover how an IUL can empower you to build a lasting legacy! Protect. Accumulate. Access & Transfer.

How It Works

Planning for your financial future is simple with IUL Insurance. We make it easy to protect your family while building savings.

1. Protection & Flexibility

With an Indexed Universal Life (IUL) policy, you’re securing life insurance coverage that provides financial protection for your loved ones. You also have flexibility with premium payments, allowing you to adjust contributions as your financial situation evolves.

2. Growth Potential

Your policy’s cash value grows over time, linked to the performance of an index, such as the S&P 500. This gives you the opportunity for growth without the risk of directly investing in the market, as your cash value won’t decrease during market downturns.

3. Access & Tax Advantages

As your cash value grows, you can access funds through tax-advantaged loans or withdrawals, making your IUL a powerful tool for financial needs in retirement, education funding, or any other life goals. Your policy adapts as you do, building a legacy for future generations.

In just a few steps, you can protect your loved ones and invest in your future.

Secure Your Future – Get Started Today!

Couple consulting highlighting the need for financial planning, budgeting for final expenses and building for the future with IUL's.

Why Choose Us?

Ensure your family is protected with flexible coverage that grows with you, offering peace of mind for the future.

  • Proven Expertise & Trust

    With over 24 years of experience in financial services, Wealth Builders Insurance Agency has a deep understanding of the strategies that foster growth and security. Clients can trust that their financial well-being is in capable, knowledgeable hands.

  • Customized Solutions for Every Stage of Life

    We know that no two financial situations are alike. That’s why we create personalized insurance and wealth-building plans tailored to each client’s unique goals, whether for family protection, retirement, or legacy planning.

  • Focused On Generational Wealth & Lasting Security

    At Wealth Builders, we go beyond today’s needs. Our focus is on creating solutions that provide long-term financial stability, helping clients build a legacy of security and wealth that benefits their families for generations.

Start building a financial safety net today and know your loved ones are covered no matter what!

Why Do You Need

Indexed Universal Life Insurance?

IUL Insurance helps secure your family's financial future while building savings. Here are some key reasons to consider it:

Wealth Building

  • Grow your savings over time with market-linked cash value, providing a financial cushion for the future.

Peace of Mind

  • Know that your family will have lifelong protection and financial security, even if you’re no longer there.

Flexible Access to Funds

  • Tap into the cash value for unexpected expenses, retirement income, kids educational costs, or investments.

Customizable Coverage

  • Flexible premiums and coverage to match your changing financial goals and needs.

Tax-Advantaged Growth

  • Enjoy tax-deferred cash value accumulation that you can use while living, potentially reducing your overall tax burden and maximizing your income. Transfer Death Benefits Tax-FREE.

Coins stacking higher with trees growing out of them, symbolizing the growth potential and financial prosperity associated with Indexed Universal Life Insurance.

Who This Strategy Is Designed For

Ideal for; professionals wanting additional growth strategies, non or underperforming asset holders, small business owners, faith leaders, households preparing for anything or anyone wanting to invest for their future!

1. Protection & Flexibility

With an Indexed Universal Life (IUL) policy, you’re securing life insurance coverage that also provides financial freedom for your loved ones. IULs give financial protection, liquidity and control.

2. Growth Potential & Access
Gain additional tax diversification beyond 401(k)s, IRAs, and Real Estate. Grow tax-free, lock-in gains, access tax-free, reset and do it again.

3. Transfer & Generational Wealth

For those that care about long-term stability and their legacy. These are whole and permanent life insurance policies, builds generational wealth with tax-free transfer to beneficiaries, which can include a family trust.

Why Our IUL Wealth Engineering Options Are Different

  • Proven Expertise & Trust

    With over 24 years of experience in financial services, Wealth Builders Insurance Agency has a deep understanding of the strategies that foster growth and security. Clients can trust that their financial well-being is designed with them in mind.

  • Customized Solutions for Every Stage of Life

    We know that no two financial situations are alike. That’s why we create personalized insurance and wealth-building plans tailored to each client’s unique goals, whether for family protection, retirement income, or legacy planning.

  • Focused on Generational Wealth & Lasting Security

    At Wealth Builders, we go beyond today’s needs. Our focus is on creating solutions that provide long-term financial stability, building financial freedom and wealth that benefits their families for generations.

Anyone can sell an IUL.
We engineer them!

Couple consulting highlighting the need for financial planning, budgeting for final expenses and building for the future with IUL's.

Protect For Today. Build For Tomorrow.

Why Do You Need

Indexed Universal Life Insurance?

IUL Insurance helps secure your family's financial future while building savings. Its your Financial Swiss Army Knife!

Here are some key reasons to consider it:

Wealth Building

  • Grow your savings over time with market-linked cash value, providing a financial cushion for the future.

Peace of Mind

  • Know that your family will have lifelong protection and financial security, even if you’re no longer there.

Flexible Access to Funds

  • Tap into the cash value for unexpected expenses, retirement income, kids educational costs, or investments.

Customizable Coverage

  • Flexible premiums and coverage to match your changing financial goals and needs.

Tax-Advantaged Growth

  • Enjoy tax-deferred cash value accumulation that you can use while living, potentially reducing your overall tax burden and maximizing your income. Transfer Death Benefits Tax-FREE.

Build Wealth That Lasts for Generations

Most families work hard for money… but few ever turn it into a lasting legacy. The difference between families who struggle and those who thrive for generations isn’t luck—it’s a plan.

That’s why we created the Waterfall Wealth Creation 10-Step Guide!
Inside, you’ll discover how to:

✅ Protect your family with smart life insurance strategies
✅ Turn income into tax-advantaged wealth that grows year after year
✅ Build a retirement plan you can’t outlive
✅ Create a 300-year wealth blueprint—just like the Rockefellers

And the best part? It’s FREE!

📥 Download your copy today and take the first step toward financial peace, family security, and generational wealth.

10-Step Waterfall Wealth Guide Free Download Image

OOGLE Reviews

Real-Life Testimonials

From Satisfied Clients

Chaka Ali, experienced life insurance consultant and founder of A.L.I. Creative Solutions | Wealth Builders Insurance Agency, smiling in a selfie headshot.

Helping You To

Manage Your IUL

Insurance Needs!

Meet Chaka Ali

With over 24 years of experience in the financial and insurance industry, Chaka Ali is dedicated to empowering individuals and families with financial solutions designed to build generational wealth.

He specializes in Indexed Universal Life (IUL) insurance and is committed to helping clients grow and protect their wealth through customized strategies focused on security and long-term growth.

Chaka’s expertise lies in offering personalized options that provide stability today and financial confidence for tomorrow, helping clients create lasting legacies for their families. Options for children and adults, lets build Generational Wealth & BE The Change For Our Future!

Chaka A. I. Ali

Senior Financial Strategist

NPN: 11126989

oOGLE Reviews

Real-Life Testimonials

From Satisfied Clients

V. Thompson

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.

Z. Hamin

What an amazing experience!!! I recently had the pleasure of working with Chaka Ali and 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, while providing financial counseling that would ensure that I would have financial freedom in my future. I admire how caring and invested he was in my planning for my future. Chaka Ali is amazingly friendly, extremely knowledgeable, and he took his time offering the best life insurance options. I am very satisfied and I highly recommend Chaka Ali to anyone looking for an insurance and/or a financial counselor. 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 and who made sure all of my needs were met.

Chaka Ali, experienced life insurance consultant and founder of A.L.I. Creative Solutions | Wealth Builders Insurance Agency, smiling in a selfie headshot.

Helping You To

Manage Your IUL Insurance Needs!

Meet Chaka Ali

With over 24 years of experience in the financial and insurance industry, Chaka Ali is dedicated to empowering individuals and families with financial solutions designed to build generational wealth.

He specializes in Indexed Universal Life (IUL) insurance and is committed to helping clients grow and protect their wealth through customized strategies focused on security and long-term growth.

Chaka’s expertise lies in offering personalized options that provide stability today and financial confidence for tomorrow, helping clients create lasting legacies for their families.

Chaka A. I. Ali

Senior Financial Strategist
11126989

Take Control Of Tomorrow By Contacting Us Today!

Young woman holding a clipboard with an application and pen, consulting with a man about his IUL appliation.

More Info

Important Questions

Is A Indexed Universal Life (IUL) Insurance Plan Right for Me?

IUL strategies are ideal if you want lifelong coverage with the potential for cash value growth that also provides guaranteed downside protection.

It’s a flexible option that lets you adjust your premiums and death benefit, making it suitable for those who want both protection and a financial growth opportunity.

How Much Coverage Do I Need?

The amount of coverage depends on your financial goals and the needs of your beneficiaries. IUL policies can be customized, allowing you to choose a coverage amount that provides security for your family while meeting your budget. There are no one size that fits all plans with us.

Is a Medical Exam Required?

In many cases, a medical exam or a vitals check may be required for IUL Insurance, especially if you're looking for higher coverage amounts (>$500k +). However, some policies may offer simplified underwriting for lower coverage limits.

Can I Access the Cash Value?

Yes! You can access the cash value accumulated in your IUL policy, AND on withdrawals or loans -- it's Tax-Free, and without penalty as well! It can be used for various financial needs, such as supplementing retirement income, covering unexpected expenses, or even funding education.

How do I Sign Up?

You can start by scheduling a strategy session to discuss your needs with an Financial Strategist. They’ll help you customize your IUL plan and guide you through the application process.

Take Control Of Tomorrow By Contacting Us TODAY!