The Upstate is a short drive, not a trip
Rock Hill, Fort Mill and York County are effectively local for us. Charleston, Columbia and Greenville we handle by video, which most people prefer anyway; nobody has to burn a half-day of PTO.
Serving South Carolina
Life Insurance & IUL Strategy in South Carolina
We are licensed in South Carolina and we are about twenty minutes from the line. To us, Rock Hill and Fort Mill are not another state; they are the other side of Lake Wylie, and the drive is shorter than crossing Charlotte at five o’clock.
- Licensed in South 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 around Rock Hill, Fort Mill and Lake Wylie. Statewide by video and phone, including evenings.
From Chaka
The border is a line on a map, not a real thing
A big share of the households I work with in York County live in South Carolina and work in North Carolina. Their kids go to school on one side and their paycheque comes from the other. Nobody thinks of themselves as living in a different market; and neither do I.
Being licensed on both sides means I do not have to hand you off when you move fifteen minutes down the road, which people around here do constantly.
— Chaka Ali, licensed in NC & SC
- York County is Charlotte’s back yardRock Hill, Fort Mill, Tega Cay and Lake Wylie have absorbed years of Charlotte spillover. Same commute, same employers, different state on the license.
- The Upstate runs on manufacturingGreenville and Spartanburg are automotive and advanced manufacturing country. Shift work, strong benefits at the big plants, thinner coverage at the smaller suppliers.
- The coast is a retirement conversationA lot of the Charleston, Summerville and Myrtle Beach calls we take start the same way. Someone retired here from somewhere colder, their employer life insurance ended with the job, and they need to know what replaces it.
- Two states, one planCross-border households are the norm here. Coverage follows the person, not the commute; and we hold licenses on both sides of that line.
Why South Carolina Families Work With Us
What's different about South Carolina
Employer coverage that just ended
It is the most common opening line we hear in South Carolina. Group life almost always ends when the job does, and finding that out at 63 is a very different problem than finding it out at 43. Both are solvable, just not with the same product.
We will tell you if term is the answer
Some people need the biggest death benefit for the smallest premium, over a fixed number of years. The death benefit is the amount paid to your family, and if that is the whole job, term insurance is the answer. We will write you term and say so. Not everything is an IUL and we are not going to pretend otherwise.
Coverage Available in South 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 South 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 South 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 South 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 SC clients only ever need this.
How final expense worksWhere We Work in South Carolina
Rock Hill · Fort Mill · Charleston and statewide
- Rock Hill
- Fort Mill
- Charleston
- Columbia
- Greenville
- Spartanburg
- Myrtle Beach
- Summerville
- Lake Wylie
Anywhere in South Carolina works by video and phone, application and underwriting included. In-person around Rock Hill, Fort Mill and Lake Wylie. Statewide by video and phone, including evenings.
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 North Carolina and Arizona and Oregon and Minnesota and Maryland and Nebraska, plus 12 more states.
Straight answers
South Carolina questions, answered
- Are you licensed to sell life insurance in South 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 South Carolina?
- No. The entire process; strategy session, illustration, application and underwriting; can be completed by video and phone. In-person around Rock Hill, Fort Mill and Lake Wylie. Statewide by video and phone, including evenings.
- 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.