A plan for the day the uniform comes off
Separation is busy, and the conversion deadline arrives quietly. We sit down before it, lay out what the military coverage was doing, and write coverage you own that does not end on a date.
Serving Virginia
Life Insurance & IUL Strategy in Virginia
Virginia runs on service. Hampton Roads is Navy country, Northern Virginia works for the federal government or its contractors, and a lot of families have one of each. The benefits are good, and they end on a date.
- Licensed in Virginia · 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
Virginia is served by video and phone, Monday to Saturday. Hampton Roads, Richmond, Northern Virginia and statewide.
- Military coverage has an end dateServicemembers’ Group Life Insurance keeps going for 120 days after separation at no cost. After that it is gone unless it is converted or replaced.
- Federal group life ends with federal serviceFederal employee group life ends when a person leaves federal service without carrying it into retirement, with a 31-day window to convert. Moves between agencies and contractors are common here.
- Hampton Roads is Navy countryNaval Station Norfolk is the largest naval station in the world. Virginia Beach, Chesapeake, Norfolk and Newport News are full of families who move every few years.
- Two incomes, two benefit packagesPlenty of Virginia households have one spouse in uniform and one at a contractor or an agency. Two packages can still leave a gap, because neither was built for the whole family.
Why Virginia Families Work With Us
What's different about Virginia
Coverage that belongs to you
A policy you own stays with you through a new duty station, a new agency or a new contract. The benefits package changes. Your coverage does not have to.
Final expense for the parents, too
Many Virginia families also look after parents who retired nearby. A small final expense policy keeps the funeral bill off the children.
Coverage Available in Virginia
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 Virginia 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 Virginia 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 Virginia 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 VA clients only ever need this.
How final expense worksWhere We Work in Virginia
Virginia Beach · Chesapeake · Arlington and statewide
- Virginia Beach
- Chesapeake
- Arlington
- Norfolk
- Richmond
- Newport News
- Alexandria
- Hampton
- Suffolk
Anywhere in Virginia works by video and phone, application and underwriting included. Virginia is served by video and phone, Monday to Saturday. Hampton Roads, Richmond, Northern Virginia 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 Texas.
Straight answers
Virginia questions, answered
- Are you licensed to sell life insurance in Virginia?
- 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 Virginia?
- No. The whole process, from the strategy session through the illustration, application and underwriting, can be done by video and phone. Virginia is served by video and phone, Monday to Saturday. Hampton Roads, Richmond, Northern Virginia 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.