Built for a family that just moved
If you came to Atlanta for a job, your life insurance probably came with the job too. We look at what is yours to keep and what ends the day the job does.
Serving Georgia
Life Insurance & IUL Strategy in Georgia
Metro Atlanta has grown into one of the largest regions in the country, and a lot of the people in it moved here for work. New jobs and new homes often come with coverage that still points to an old employer.
- Licensed in Georgia · NPN 11126989. Look me up before we talk. I would rather you did.
- Book any hour · sessions Mon–Sat, 9am–8pm ET
- Independent, not captive to any one carrier
Georgia is served by video and phone, Monday to Saturday. Atlanta, Savannah, Augusta, Columbus and statewide.
- Six million people around one cityThe Atlanta metro passed six million residents, by Census Bureau estimates. Growth like that means a lot of families who are new to the state and new to their benefits.
- The busiest airport in the worldHartsfield-Jackson handles more passengers than any other airport on earth, by ACI World figures for 2025. Airline and logistics jobs carry good group benefits that belong to the job.
- Savannah works around the clockSavannah runs one of the busiest container ports in the country. Port, warehouse and trucking work means shift schedules, and we book around them.
- Military families from Columbus to the coastGeorgia hosts major Army, Air Force and Navy installations, in Columbus, Warner Robins and Kings Bay. Military group life ends after separation, and that date is worth planning for.
Why Georgia Families Work With Us
What's different about Georgia
Protect the house you just bought
A lot of new Georgia homeowners carry a new mortgage. Coverage sized to that balance means the family keeps the home if an income stops.
Coverage that does not change jobs
Atlanta careers move fast, and every new employer means a new benefits package. A policy you own stays the same through all of them.
Coverage Available in Georgia
Two very different conversations
Most people arrive wanting one of these. They are not the same product and they are not for the same person, so we will tell you which one fits.
Indexed Universal Life (IUL)
For Georgia households building long-term, tax-advantaged wealth on top of protection. It works best with an outlook of at least five to seven years.
- Uncapped Index Account; 113% participation, current and set by the carrier, and a 0.75% floor on the indexed credit. Participation rates and caps are at the carrier’s discretion and can change.
- Blended across S&P 500, Fidelity SMID Multifactor Index, Nikkei 225
- Access designed to be income-tax-free when properly structured
- Death benefit in force from day one
Not right for everyone. If you have no emergency fund yet, build that first, and we will say so.
How the IUL worksFinal Expense Coverage
For Georgia families who want the funeral and the last bills handled so nobody has to fundraise during a week they should be grieving.
- Coverage from $1,000 to $100,000, ages 0 to 85
- Most applicants qualify with health questions and no medical exam
- Guaranteed issue where health is a barrier, and it is worth knowing what that means: the full amount is not payable in the first two years. Most people do not need it, because a few health questions get them day one coverage instead. How to tell which one you are looking at
- Premium locks at the rate you qualify for and does not increase
A full burial, with the funeral home and the cemetery together, runs $13,795 to $28,995, about $21,400 on average. The funeral home's part alone, in the South Atlantic region, has a median of about $8,023, or about $6,103 with cremation. Source: National Funeral Directors Association (NFDA) General Price List Study, 2023. These are regional medians across many providers. They are not a quote, and not what any particular funeral home in Georgia will charge you. Ask them directly, and ask for the itemized price list they are required to give you.
Straightforward, quick, and a completely different conversation from wealth building. Plenty of our GA clients only ever need this.
How final expense worksWhere We Work in Georgia
Atlanta · Columbus · Augusta and statewide
- Atlanta
- Columbus
- Augusta
- Macon
- Savannah
- Athens
- Sandy Springs
- South Fulton
- Roswell
Anywhere in Georgia works by video and phone, application and underwriting included. Georgia is served by video and phone, Monday to Saturday. Atlanta, Savannah, Augusta, Columbus and statewide.
In Their Own Words
What clients say
Verified Google reviews, in the reviewer's own words. Same theme in every one: he explains, he doesn't push.
5.0from 7 Google reviewsChaka was very helpful and knowledgeable about the different products. He helped me understand and choose the best option that was suitable for my family.
It was great meeting you and how you explained everything to me, took your time to make sure I understood everything about the policy and I really appreciate it. Thank you
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
Book whenever suits you. Including 11pm.
Thirty minutes, free, no obligation. We look at what you already have, clarify where it stands, align the strategy, and write the coverage that fits.
Also licensed in North Carolina, South Carolina, Arizona, Oregon, Minnesota, Maryland, Nebraska, Florida, Kansas, Michigan, New Jersey, Ohio, Texas and Virginia.
Straight answers
Georgia questions, answered
- Are you licensed to sell life insurance in Georgia?
- Yes. Chaka A. I. Ali is a licensed life and health insurance producer, National Producer Number 11126989, which you can verify yourself through the National Insurance Producer Registry at nipr.com before you ever speak to us.
- Do I have to meet in person to get covered in Georgia?
- No. The whole process, from the strategy session through the illustration, application and underwriting, can be done by video and phone. Georgia is served by video and phone, Monday to Saturday. Atlanta, Savannah, Augusta, Columbus and statewide.
- Can I book a time outside business hours?
- Yes. The calendar is open 24 hours a day, seven days a week. 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.