i.
Income
Cover the paycheck your family runs on, with life insurance, disability income and living benefits sized to what you actually need.
Dallas, Texas · Education first
Protect your income. Build your wealth. Preserve your legacy.
Life insurance and retirement income strategies for families, professionals and business owners. Learn the numbers first with our free tools, then talk to us when you are ready.
Education firstFree tools before any conversation
A free 30-minute sessionBy video, or in person wherever you are
Licensed insurance agentIn 48 states · 13 carriers
A private office for families
Wealth is built over decades, and protected in a moment.
Opulence LD helps families, professionals and business owners protect the income they depend on, grow what they set aside, and pass it on.
We work the way a private office should. We listen before we recommend anything, we explain every cost and trade-off in plain English, and we stay with you as your life changes.
Our approachCollins Chia
The Opulence standard
Personal care, a wide choice of carriers.
Collins is an independent agent, not tied to one company. He compares carriers for you and explains why one fits, in plain English, before anything is signed.
- States where Collins is licensed
- 48Licensed in every state except Alaska and Hawaii
- Carriers he is appointed with
- 13Named below
- More carriers through our brokerage
- 100+For the cases that need them
- Free planning tools
- 4No sign-up, nothing stored
Carriers Collins is appointed with:
- Pacific Life
- Transamerica
- Nationwide
- National Life Group
- Prudential
- Symetra
- Allianz Life
- Mutual of Omaha
- Athene
- F&G
- North American
- Gerber Life
- New York Life
Carrier names are trademarks of their owners. They are listed to show where Collins is appointed, not as an endorsement, and availability of any product varies by state.
The film · 0:54
How we work, in under a minute.
Four steps, from the free tools to the reviews that follow your life. Watch it silently with the captions, or with sound.
We meet by video, or in person wherever you are, not only in Dallas: we travel to clients in other cities.
Ready when you are.
Read the transcript
At Opulence LD, we begin with understanding. The plan comes after.
Start with our free tools and guides. No sign-up. Your numbers never leave your browser.
When you’re ready, sit down with us. Thirty minutes, on video, or in person in Dallas. We listen first, and we answer every question.
Then, your plan, in writing. Every option laid out, with what it costs, and what it asks of you. Even the ones we wouldn’t choose.
And as your life unfolds, marriage, children, a business, retirement, we revisit it together.
Opulence LD. Education first, then a plan you understand.
What we protect
Three things worth getting right
Every plan starts with the same three questions: what keeps the household running, what grows for later, and what reaches the next generation.
ii.
Wealth
Plan retirement income across taxable, tax-deferred and Roth accounts, and understand IUL and annuities with the trade-offs included.
iii.
Legacy
Make sure what you built reaches the people you mean it for: beneficiaries, trusts, coverage and continuity for your business.
Free tool
Know your number before you talk to anyone.
How much life insurance does your family really need? Change the figures and watch the statement update. Nothing you type leaves this page.
- —The answer first, with no email required
- —The math shown openly on every tool
- —Talk it through with Collins only if you want to
Free planning tools
Answer your own questions first
Each tool answers one real question in about a minute. The answer is yours to keep, and the math is on the page.
Free tool · Protection
Life Insurance Needs Calculator
How much life insurance does my family need?
Run the numbers Free tool · GrowthIUL Cap & Floor Explorer
What would a cap and a floor have done in real market years?
Run the numbers Free tool · RetirementRetirement Income Gap
Will my savings and Social Security cover the income I want?
Run the numbers Free tool · GrowthCompound Growth & Rule of 72
How fast does money grow, and when does it double?
Run the numbers
How we work
Education first, then a plan you understand.
You should be able to explain your own policy to a friend. If we can’t make it that clear, it is the wrong recommendation.
Learn the numbers first
Use the free tools and guides. No sign-up, and your figures stay in your browser.
A free strategy session
Thirty minutes by video, or in person wherever you are. We listen, look at your numbers with you, and answer every question.
A plan, in writing
Clear options with the cost and trade-off of each, including the ones we would not choose for you.
Reviews as life changes
Marriage, children, a new business, retirement. We revisit the plan whenever your life moves.
Indexed universal life
IUL, explained with the trade-offs left in.
Permanent life insurance with cash value. Interest is credited based on an index, usually up to a cap, and a floor stops a down year from being credited as a loss. It can be useful. It is also easy to oversell.
What it can do well
- A death benefit for life, if funded to stay in force
- Cash value you can borrow against later
- 0% credited instead of a loss in a down year
What to weigh against it
- Caps limit the good years and can be lowered
- Charges come out every year, even at 0%
- Loans can cause a lapse if not managed
Every Thursday · Free
Come to a free business presentation
How money, protection and retirement income work for families, and what it takes to build a career helping them. Open to everyone, with questions welcome.
Who we serve
Built around the people we serve most
Young families
Coverage sized to the mortgage and the children, bought at the age it costs least.
Healthcare professionals
High incomes, late starts and long shifts. Collins’s own background is in healthcare management.
Business owners
Key person cover, buy-sell funding and a succession plan for what you built.
Pre-retirees
Turn savings into income, choose when to claim Social Security, and spread future taxes.
New Americans
Coverage for visa and green-card holders, and planning for family and beneficiaries abroad.
Founder
Financial confidence comes from understanding your choices.
The belief Opulence LD was founded on
M. Collins Chia, MHA
Collins came to financial services from a career in healthcare operations and management. He listens first, explains plainly, and puts every trade-off on the table before anything is signed.
Where we can help
Licensed in 48 states. Wherever you live, we can talk.
Licensed in every state except Alaska and Hawaii. Video sessions wherever you live, and in person too: Collins travels to meet clients.
Point to a name, or tab in and use the arrow keys, to light it up on the map.
The West: 11 states
- Arizona
- California
- Colorado
- Idaho
- Montana
- Nevada
- New Mexico
- Oregon
- Utah
- Washington
- Wyoming
The Midwest: 12 states
- Illinois
- Indiana
- Iowa
- Kansas
- Michigan
- Minnesota
- Missouri
- Nebraska
- North Dakota
- Ohio
- South Dakota
- Wisconsin
The South: 16 states
- Alabama
- Arkansas
- Delaware
- Florida
- Georgia
- Kentucky
- Louisiana
- Maryland
- Mississippi
- North Carolina
- Oklahoma
- South Carolina
- Tennessee
- Texas, home base
- Virginia
- West Virginia
The Northeast: 9 states
- Connecticut
- Maine
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
Not licensed yet
- Alaska
- Hawaii
Book a free strategy session
License numbers are available on request.
Testimonials
In our clients’ own words
Worked with Collins? Your words help other families decide. With your permission, we will share them here.
What happens in a free strategy session?
A 30-minute conversation by video, or in person wherever you are: Collins travels to meet clients. He asks about your goals, family and income, walks through the numbers with you, and explains which strategies could fit and why. There is no cost and no obligation to buy anything.
Do you only sell indexed universal life?
No. IUL suits some people and not others. Depending on what you need, the right answer may be term life insurance, whole life, an annuity, disability coverage, or simply saving more in your 401(k) or IRA.
Do you work with people outside Dallas?
Yes. Collins is licensed in every state except Alaska and Hawaii, and meets clients by video or in person: he travels to other cities regularly. Insurance licenses are issued state by state, so you can only become a client in a state where he is licensed.
How is Opulence LD paid?
Like most insurance agencies, Opulence LD is paid a commission by the insurance company when a policy is placed. You do not pay a separate fee for the strategy session.
Free strategy session
Talk the numbers through with Collins
A free, 30-minute strategy session by video, or in person wherever you are. You leave with a clear picture of your options, and there is no pressure to buy anything.