Advertise on podcast: The And Asset Show

See how whole life insurance compares to a savings account when you run both through advanced financial calculators over 35 years. In this interview, Caleb Guilliams sits down with Todd Langford (Truth Concepts) to break down internal rate of return and the equivalent yield a taxable account would need to keep up. Want to See If Whole Life Insurance Makes Sense for You? Click Here: https://betterwealth.com/go/aa-yt/VEDbrL5Pi6w Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://betterwealth.com/review/aa-yt/VEDbrL5Pi6w Want Free Whole Life Insurance Resources & Education? Go Here: https://betterwealth.com/vault/aa-yt/VEDbrL5Pi6w Chapters: 00:00 Why Whole Life Is Misunderstood 00:43 A Savings Vehicle, Not an Investment 01:42 The Policy: $27K Premium, 35 Years 02:20 What Internal Rate of Return Means 03:41 Matching the Policy at 4.03% a Year 04:49 Which Assets Are Actually Comparable? 05:28 Adding Taxes: 5.16% Equivalent Yield 06:41 Replacing the Death Benefit With Term 06:51 Why Term Premiums Spike in Year 31 07:33 Equivalent Yield With Term Cost: 5.55% 08:13 Will Rising Rates Raise Policy Yields? 10:41 Whole Life as a Bond Replacement 11:24 Why the Wealthy Own Whole Life 12:45 Product vs. Strategy: Where It Fits 13:28 Comparing at a 2% Savings Rate 14:44 $900K More Cash, $2M More Legacy 15:18 Cash Value Graph: Tortoise and Hare 17:17 Death Benefit Graph: The Term Drop-Off 18:11 Cash and Death Benefit on One Path 20:37 How It Shines in the Distribution Phase Learn More About BetterWealth: https://betterwealth.com/home/aa-yt/VEDbrL5Pi6w ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

See how 10 of the top whole life insurance companies rank for paid-up additions (PUA) flexibility. Caleb Guilliams sits down with BetterWealth product expert Alden Armstrong to compare every carrier on three features: anytime payments, catch-up provisions, and PUA step downs.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/aa-yt/X0eN2TRaFxsWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/aa-yt/X0eN2TRaFxsWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/aa-yt/X0eN2TRaFxsChapters:00:00 Introduction and Trailer02:10 The 3 Flexibility Tiers Explained02:33 The PUA Trifecta: 3 Must-Have Features04:59 Which PUA Feature Matters Most06:03 #1 Penn Mutual: Full Catch-Up Provision08:50 #2 Foresters: 10-Year Look Back10:47 #3 One America: Rider Never Expires13:42 #4 Lafayette Life: 7-Year Average Cap14:55 #5 Pan American: No Catch-Up Provision16:58 #6 Guardian: Step Down After Year 1019:38 Why a Larger Base Premium Can Pay Off21:55 #7 Ameritas: Forced Step Down Schedule25:09 Why Ameritas Fits Short Pay Designs26:37 Funding One Policy vs Buying Another27:24 #8 Security Mutual: The 75-125% Corridor29:53 How the Carrier Rankings Were Decided32:51 #9 New York Life: Punishing Step Down35:49 #10 MassMutual: ALIR and PALIR Rules38:24 Why Clients Still Choose MassMutual41:26 Full Top 10 PUA Flexibility Ranking42:54 The Policy Loan PUA Loophole46:37 Case Study: Loan to Max Fund PUAsLearn More About BetterWealth: https://betterwealth.com/home/aa-yt/X0eN2TRaFxs====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

See how a whole life policy can multiply an inherited lump sum into a larger guaranteed legacy with minimal market risk. In this case study, Caleb Guilliams sits down with wealth coach Austin Williams to compare a life insurance strategy against investing the inheritance at a static rate of return.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/aa-yt/-dffIwyVzXgWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/aa-yt/-dffIwyVzXgWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/aa-yt/-dffIwyVzXgChapters:00:00 Introduction and Trailer01:08 The Client's Goals and Risk Aversion03:05 Why He Skipped a Survivorship Policy03:39 Keeping Death Benefit Level for Life04:27 Building an AI Comparison Calculator05:27 Death Benefit vs Cash Value Priority06:06 The Inputs: Inheritance and Premium06:45 Funding 20 Years, Then Premium Offset09:08 Why We Used a 7% Static Return10:12 20 Years: $5.7M vs $3.71M Estate12:36 The Break-Even Return: 12% Every Year14:12 25 Years: The Gap Starts Closing15:05 Year 30: When Investing Pulls Ahead16:26 Reading the Cash Value and Equity Lines17:15 Juicing Returns With a Policy Loan17:44 The Value of Liquidity in a Downturn19:13 Permission to Spend and Take More Risk20:26 He Who Has the Gold Makes the Rules21:37 Who This Legacy Strategy FitsLearn More About BetterWealth: https://betterwealth.com/home/aa-yt/-dffIwyVzXg====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

We Compared Term Life Insurance From 4 Major Companies To See Which Is Best. Caleb Guilliams and Demetrius Walker analyze Penn Mutual, Lafayette Life, MassMutual, and Guardian and give a step-by-step breakdown of how to integrate convertible term life insurance into a broader financial strategy.

Life Insurance Agents Test the Actual Vs Illustrated Results of a 20-Year-Old Whole Life Insurance Illustration from Penn Mutual. Austin Williams walks Caleb Guilliams through the surprising difference between the illustrated vs actual policy.   Chapters: 00:00 Introduction 02:47 20-Year Penn Mutual Case Study 06:34 Original Vs. Current Inforce 14:32 Modern Policy Design Comparison 25:00 Overfunded Policy Design Comparison 31:20 Dividend Interest Rate Context Correction 36:08 Lafayette Life 6-Year Review 41:41 Summary and Final Thoughts

Learn how to keep your best employees with these 6 non-qualified plans using life insurance. Often referred to as "Golden Handcuffs", life insurance experts Alden Armstrong and Caleb Guilliams break down the 6 strategies you can use to make sure your best employees are incentivized to stay in your business while also giving you tax advantages.

Comparing how whole life insurance policy loans work and perform between Penn Mutual, Lafayette Life, Guardian, and MassMutual. We cover interest rates, direct vs. non-direct recognition, how borrowing can impact your policy, and two real-world examples of policy loans being used effectively and poorly. Most importantly, we discuss what you need to understand before borrowing against your life insurance policy.

This is the entire untold (dark) history of life insurance from the roman empire (300BC) to present day. Life Insurance expert and history buff, Austin Williams walks through the major events that shaped the modern life insurance industry and policy. From religion, politics, and tragedy, to fraud, gambling, and organized crime, life insurance has a fascinating history of development that little to no one truly knows, until now.

What if you could significantly reduce your tax bill while building long-term wealth with life insurance? In this video, Caleb Guilliams and Alden Armstrong break down how cash balance plans work through three real client case studies. You'll learn who these strategies are designed for, how high-income business owners can use them to reduce taxes, where whole life insurance fits into the plan, and the key considerations before deciding if a cash balance plan is right for you.

Which whole life insurance company offers the best living benefits? Want Whole Life Insurance? Schedule Your Clarity Call Here: https://bttr.ly/aa-yt-clarity   In this episode, Caleb Guilliams and Justin Gartman compare the Terminal, chronic illness , and long-term care riders offered by top whole life insurance companies, including Penn Mutual, Guardian, MassMutual, Lafayette Life, and OneAmerica. Learn how accelerated death benefits work, the key differences between carriers, and how these riders should be viewed in your planning process. If you're researching whole life insurance, living benefits, or comparing life insurance companies, this video will help you understand what to look for before choosing a policy.

Does it make sense to borrow against your whole life insurance policy at 5% when your policy is only growing at 4%-4.5%? Want Whole Life Insurance? Schedule Your Clarity Call Here: https://bttr.ly/aa-yt-clarity The answer is it depends on what you are using the policy loan for. In this video, Dom Rufran breaks down how to know when you should and shouldn't borrow against your permanent life insurance policy. He shows an actual $100K front loaded whole life insurance policy and guides you through the numbers.

The latest 2026 LIMRA report is in and it tells a very exciting story about life insurance! Want Whole Life Insurance? Schedule Your Clarity Call Here: https://bttr.ly/aa-yt-clarity   In this episode, we break down the record growth in life insurance sales, rising whole life insurance, term, and IUL demand, and why mutual life insurance companies like Northwestern Mutual, MassMutual, New York Life, and Guardian are paying record dividends. We also discuss what these trends mean for consumers, policy owners, and the future of permanent life insurance.

Discover the biggest lessons from the world's leading life insurance and financial experts. Buy Your Tickets to the next Life Insurance Summit Here: https://lifeinsurancesummit.com/In this episode, you'll learn how top advisors, tax specialists, retirement planners, and wealth strategists think about whole life insurance, retirement planning, tax strategy, Infinite Banking, wealth preservation, legacy planning, and building a more efficient financial plan. Featuring insights inspired by Ed Slott, David McKnight, Garrett Gunderson, Tom Wall, Todd Langford, Van Mueller, and all of our other incredible speakers.     Buy Your Tickets to the next Life Insurance Summit Here: https://lifeinsurancesummit.com/Do You Like Supporting Small Entrepreneurs? Help Dave Anderson's son get recognized by James Gunn by Watching this video - https://youtu.be/MI7Q2qyjX2s?si=xrXZfiKe1L1S99sp

Which mutual life insurance company is best for Infinite Banking? In this video, Caleb Guilliams and Alden Armstrong break down 10 of the top whole life insurance carriers used for the Infinite Banking Concept (IBC): Ameritas, Foresters Financial, Guardian Life, Lafayette Life, MassMutual, New York Life, OneAmerica, Pan-American, Penn Mutual, and Security Mutual.Learn how each company compares on cash value growth, death benefit performance, dividend history, IRR (internal rate of return), policy loan provisions, direct vs. non-direct recognition, financial strength ratings, Comdex scores, and Paid-Up Additions (PUA) flexibility.       Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guideWant Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn how to grow and protect your business using specially designed whole life insurance. Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity In episode 37 of the And Asset show, Caleb Guilliams and Dom Rufran answer every question related to how to grow and protect your business or investments using whole life insurance. They also address the biggest concerns and risks with this strategy as well as case studies and their own experience using cash value life insurance as entrepreneurs.