Ownership is a real decision here
In a community property state, the owner and beneficiary lines deserve a real conversation, especially in a second marriage. How the property law applies to you is a question for a Texas attorney.
Serving Texas
Life Insurance & IUL Strategy in Texas
Texas is adding people faster than any other state, and it does two things differently with money. It charges no state income tax, and it treats most of what a married couple earns as belonging to both of them.
- Licensed in Texas · 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
Texas is served by video and phone, Monday to Saturday. Houston, Dallas, Fort Worth, San Antonio, Austin and statewide.
- No state income taxTexas has no personal income tax, so a paycheck here goes further than the same one in most states. The question is where the extra dollar goes, and whether any of it is building something.
- A community property stateTexas follows community property law. Most of what a married couple earns during the marriage belongs to both of them, and that can reach a policy and its premiums.
- More new Texans than anywhereTexas added more people than any other state from 2024 to 2025, by Census Bureau estimates. Many of them still have coverage tied to a job in another state.
- Four big metros, four economiesHouston, Dallas and Fort Worth, San Antonio and Austin each run like their own economy. Energy, health care, the military and tech each bring different benefits, and different gaps.
Why Texas Families Work With Us
What's different about Texas
Put the income tax room to work
With no state income tax, some families have room in the budget they would not have elsewhere. A policy funded for the long run can turn part of that room into protection and cash value.
Coverage that moved here with you
If your life insurance came from a job in another state, it probably stayed there. We look at what you brought, what ended, and what your family needs now.
Coverage Available in Texas
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 Texas 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 Texas 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
Straightforward, quick, and a completely different conversation from wealth building. Plenty of our TX clients only ever need this.
How final expense worksWhere We Work in Texas
Houston · San Antonio · Dallas and statewide
- Houston
- San Antonio
- Dallas
- Fort Worth
- Austin
- El Paso
- Arlington
- Corpus Christi
- Plano
Anywhere in Texas works by video and phone, application and underwriting included. Texas is served by video and phone, Monday to Saturday. Houston, Dallas, Fort Worth, San Antonio, Austin 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, Georgia, Kansas, Michigan, New Jersey, Ohio and Virginia.
Straight answers
Texas questions, answered
- Are you licensed to sell life insurance in Texas?
- 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 Texas?
- No. The whole process, from the strategy session through the illustration, application and underwriting, can be done by video and phone. Texas is served by video and phone, Monday to Saturday. Houston, Dallas, Fort Worth, San Antonio, Austin 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.