We are actually here
Not a national call center running a North Carolina landing page. The agency is registered in Charlotte, the producer lives here, and the phone number is a 980 number for a reason.
Serving North Carolina
Life Insurance & IUL Strategy in North Carolina
Charlotte is home. The agency is based here. Chaka is a resident-licensed North Carolina producer. Most of our clients are within an hour of Uptown; which, as every transplant learns in week one, is what we call downtown.
- Licensed in North Carolina · 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
In-person across the Charlotte metro. The rest of North Carolina by video and phone, seven days a week.
From Chaka
Why this is home base
Wealth Builders was built in Charlotte, and it was built around the people here. This is a banking city, and a huge share of households work in or near it. Most of my clients walk in already fluent. They know what a match is. They have seen a fee disclosure. They can smell a sales pitch from across the table.
That raises the bar, and I would rather have it that way. It means the conversations start further along and nobody wastes an hour on definitions.
— Chaka Ali, Charlotte, NC
- A banking town, and it showsCharlotte is the largest banking center in the country after New York. A lot of our clients have strong employer plans already; so the conversation starts with what to do after the match, not instead of it.
- The Triangle is a different clientRaleigh, Durham and Chapel Hill skew tech, pharma and university. More equity comp, more contractors, more people whose income is lumpy rather than steady.
- Everybody just moved hereNorth Carolina has been one of the fastest-growing states in the country for years. Half the people we sit with relocated inside the last five years and still have coverage tied to a job in another state.
- In person is genuinely possibleCharlotte, Concord, Huntersville, Matthews, Gastonia. If you would rather do this at a kitchen table than on a video call, say so when you book.
Why North Carolina Families Work With Us
What's different about North Carolina
Your employer plan comes first
In a banking town that matters more than most places. If you work somewhere with a strong match, we will tell you to max it before you put a dollar into anything we sell. That is the first thing we say, not the last.
Final expense is half of what we do
Not every family here is building a wealth vault. Plenty just want the funeral covered so their children are not passing a plate during the worst week of their lives. That is a completely different, and completely legitimate, conversation.
Coverage Available in North Carolina
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 North Carolina households building long-term, tax-advantaged wealth on top of protection, with a 5 to 7 year horizon at minimum.
- Balanced Uncapped Index Account; 113% participation, 0.75% floor on the indexed credit
- 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, or you are not yet capturing your full employer 401(k) match, do those first, we will say so.
How the IUL worksFinal Expense Coverage
For North Carolina 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 $50,000, 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
For context: the median funeral with a viewing and burial in the South Atlantic region runs about $8,023, and with cremation about $6,103. 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 North Carolina 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 NC clients only ever need this.
How final expense worksWhere We Work in North Carolina
Charlotte · Raleigh · Durham and statewide
- Charlotte
- Raleigh
- Durham
- Greensboro
- Winston-Salem
- Fayetteville
- Concord
- Huntersville
- Matthews
Anywhere in North Carolina works by video and phone, application and underwriting included. In-person across the Charlotte metro. The rest of North Carolina by video and phone, seven days a week.
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 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
Book whenever suits you. Including 11pm.
Thirty minutes, free, nothing to buy on the call. We will look at what you already have, tell you plainly whether a strategy fits, and say so if the honest answer is to keep doing what you are doing.
Also licensed in South Carolina and Arizona and Oregon and Minnesota and Maryland and Nebraska, plus 12 more states.
Straight answers
North Carolina questions, answered
- Are you licensed to sell life insurance in North Carolina?
- Yes. Chaka 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 North Carolina?
- No. The entire process; strategy session, illustration, application and underwriting; can be completed by video and phone. In-person across the Charlotte metro. The rest of North Carolina by video and phone, seven days a week.
- 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, and there is nothing to buy on the call.