The And Asset Show

Did the Rockefeller family really build their fortune using life insurance or is that just a popular myth? In this video, Demetrius Walker breaks down how theRockefellers actually built their wealth and the truth about how life insurance actually fits into the equation.He unpacks the strategies behind generational wealth preservation, including trusts, the “waterfall method,” and how liquidity plays a critical role in keeping estates intact. You’ll also see how these principles translate today for business owners and high-income earners looking to build and protect long-term wealth.

I break down exactly how I decided to purchase my Tesla using the cash value from my whole life insurance, the philosophy behind how I make any purchase, the comparison between paying cash vs loans, and the real math. Disclaimer: This video is from 2021, so math and prices will not reflect the current costs and interest rates but it will give you a powerful framework in how to approach your purchases.

Life insurance agents reacts to popular anti-whole life insurance and infinite banking videos on the internet. What do they get right and where are they flat out wrong? The answer may surprise you.

Should you actually use IUL for infinite banking? Cale Guilliams and Dom Rufran go through real illustrations to demonstrate what a properly structured IUL and Whole Life design for infinite banking look like and how they approach answering this question.

Responding to the worlds longest comment that claims they have the new "secret" way to become your own banker without using life insurance. Caleb Guilliams and Dom Rufran respond to each of his claims against whole life insurance and infinite banking and present a clear case for life insurance as a foundational asset.

Learn how a single mother of three is a creating a multi-generational legacy by turning $2M into $132M and it's not from owning a business.

Inside the $50 million life split-dollar insurance policy that TPUSA took out on Charlie Kirk shortly before he was killed.In this episode, we break down how these policies are actually set up, and why strategies like this are commonly used among high-income individuals and business owners.But beyond the headline, this opens up a much bigger conversation, who received the death benefit?

A $58.3 million settlement involving Pacific Life is raising important questions for policyholders and the broader life insurance industry.In this video, we walk through what’s known about the case, the concerns surrounding certain IUL illustrations, and what this could mean for individuals who may be impacted.We also discuss who may qualify, what the settlement includes, and the key deadlines to be aware of.

If you have $2.3M in retirement, what's the max amount you can spend without going broke? Traditional plans will promote the 4% rule which often leaves retirees spending less than they'd want and living in fear of running out of money if they increase spending. In this video, Justin Gartman presents an alternative strategy that incorporates life insurance alongside your investments, in order to increase stability and spending power by up to 10%!

Learn why this successful attorney, David Laborde, uses whole life insurance and the infinite banking concept to invest in real estate and business opportunities.

Could this be the worst case of an improperly structured whole life insurance policy we've ever seen? A teacher on the verge of bankruptcy and being kicked out of their apartment because they can't afford to pay their premiums but they also can't afford to give up all of the money they've spent on the policy. What should they do? Should they cancel it, exchange it for a new one, or something different?Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset00:00 Introduction: The Teacher Facing Bankruptcy Due to Whole Life Insurance01:33 First Take and Analyzing What Went Wrong02:46 When Is 25% of Income to Whole Life Insurance Justified?04:34 Red Flag of Lack of Education06:22 Crypto and Life Insurance Get a Bad Rap10:16 Next Steps for the Teacher14:10 Why do you Hates Canceling Life Insurance?16:00 How to Design a Better Policy for the Teacher17:37 Why These Stories Must Be Shared?19:34 Q&A: Whole Life vs. Term Life Insurance Coverage?24:04 Q&A: Investing the Difference vs. Whole Life?27:54 Q&A: Policy Loan Interest Does Not Go Back to Cash Value?32:05 Promoting the Annual Life Insurance Summit======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn the 4 Phases of Infinite Banking that everyone goes through so you can be best prepared to make it through the highs and lows of the IBC cycle. Life Insurance Agent, Austin Williams walks through the emotions you'll experience as well as practical steps to get over roadblocks on your journey to becoming your own banker.  00:00 Introduction to the Four Phases of Infinite Banking00:28 Infinite Banking Effect Chart00:44 The Four Phases of Infinite Banking01:13 Explanation of the Chart's Axes01:52 Phase 1: Capitalization (Years 1-5)04:21 Phase 2: Proof (Years 5-10)06:14 Phase 3: Expansion (Years 10-20)07:57 Phase 4: Legacy (Year 20 Onwards)09:31 Conclusion and Encouragement

Life Insurance agent, Justin Gartman, walks through 5 of the worst misconceptions people have about whole life insurance and why they are false.

Anytime someone would ask what the internal net cost of whole life insurance would be I'd have to reply with, "unfortunately, that's not possible to know." Until now! I cracked the code and created a mathematical formula that can tell you what the internal cost of whole life insurance is. I also go through four of the biggest carriers, Penn Mutual, Mass Mutual, Guardian, and Lafayette Life, to compare which company is most expensive over the life of a policy.00:00 - Introduction to Net Internal Charges00:48 - Understanding the "Drag" and "Lift" on Policies03:42 - How Charges are Functionally Assessed05:53 - Policy Design and Assumptions for Comparison11:39 - Annual Internal Charges Comparison Across Carriers14:11 - Total Cash Value Growth and Long-Term Efficiency17:09 - Detailed Carrier Observations: Penn Mutual and Lafayette Life19:54 - Detailed Carrier Observations: MassMutual and Guardian22:08 - Consistency of Performance (2025 vs. 2026 Data)27:40 - Whole Life vs. High-Yield Savings Account (HYSA)32:03 - Comparison Observations38:17 - Final Framework and Summary

Popular Primerica life insurance agent, Nikole Galanes, recently came at permanent life insurance and infinite banking hard in a video she posted to her personal instagram page. Caleb Guilliams and Dom Rufran respond to her criticisms and extend an open invitation to her to dialogue about their disagreements.  00:00 Introduction00:54 Context on Regulations and Personal Freedom02:47 Playing and Discussing the Video Clip06:01 Agent's Stance and Product Understanding07:03 Permanent Life Insurance's Role and Transparency17:30 Issue of Mis-selling and Primerica's Business Model22:07 Accountability and Technology's Role in Improving the Industry28:02 The Solution: Eliminating the Sale32:34 Regulation vs. Transparency42:20 Q&A: What is the right way of structuring a Whole Life Policy?45:14 Q&A: Can I Use Dividends to Pay Premiums?48:20 Q&A: Market Investment vs. Life Insurance?50:04 Q&A: Borrowing Against a Policy vs. Bank Account53:22 Conclusion

This video is a masterclass on premium financing, led by life insurance design specialist, Alden Armstrong, and industry expert Kris Stegall from Robin Glen, who has helped place over a billion dollars in financed premium on life insurance cases. The 2+ hour masterclass covers topics such as what premium financing is, how it works, how to set it up, who it is for, and the team members you need to be successful. They also including four real case studies and numbers behind this advanced wealth strategy.  Want To See How Premium Financing Could Improve Your Wealth? Click Here To Meet the Team: https://meetings.hubspot.com/alden-armstrong/betterwealth-clarity-call Learn More About Robin Glen: https://www.robinglen.com

Want to know what the number 1 asset missing in your portfolio is? In this video, legacy expert Demetrius Walker breaks down why every retirement plan should include life insurance as the foundational asset. He walks through case studies that compare the outcomes of a plan with and without life insurance and the drastic difference it makes. 00:00 Difference Between Portfolio Size and Cash Flow in Retirement00:54 Client's Financial Picture and Retirement Goals02:00 Risk of Sequence of Returns02:37 Power of Guaranteed Income03:23 Planning Process04:37 Scenario 1: No Changes, Relying on Market-Based Assets07:39 Scenario 2: Incorporating Life Insurance for "Sequence Defense"09:54 Role of Life Insurance as a Stabilizer (Volatility Buffer)10:29 Addressing the Idea of Age in Life Insurance11:15 Initial Life Insurance Illustration Details13:32 Conclusion

Caleb discusses meeting and talking with the biggest names in the life insurance industry at Dr. Tom Wall's most recent event. Caleb breaks down his conversations with Curtis Cloke, Dennis Martin (One America executive), Garrett Gunderson, Dr. Wade Pfau, and so many more.  

A 57-year-old couple with $2.6M saved thought they were ready for retirement but worried about market risk, taxes, and how to turn assets into dependable income.In this real case study, Justin Gartman breaks down how they repositioned $520K into a strategically designed life insurance policy to create liquidity, reduce volatility, and protect their retirement years. You’ll see the exact funding strategy, when the policy broke even, and how it could provide 4–5 years of income during market downturns, without forcing them to sell investments at the wrong time.

Is IBC with Ameritas a good choice? In this videos, Caleb Guilliams and Alden Armstrong review Ameritas Life Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!  Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity  Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide 00:00 Introduction and Ameritas Overview00:44 Ameritas Ratings and Key Numbers06:06 Ameritas and the Infinite Banking Concept (IBC)07:45 Cash Flow Designs15:15 Front Load Designs20:52 Access to Cash Value and Loan Flexibility27:14 Paid Up Additions (PUA) Rider33:54 Additional Ameritas Product Features36:28 Advantages of Ameritas38:03 Considerations for Ameritas41:45 Agent Perspective and Conclusion

Life Insurance agent, Austin Williams, explains how to understand the infinite banking concept at 5 levels of increasing difficulty. From beginner and foundational principles, to advanced IBC strategies and ideas, that can make you an expert banker.Want Whole Life Insurance for Infinite Banking? Click Here: https://bttr.ly/aa-yt-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant More Whole Life Insurance Education & Resources? Click Here: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset00:00 Introduction00:30 Level 1: The Seven-Year-Old01:05 Explanation using toothpaste and Parkinson's law02:18 The "Magic Piggy Bank" concept03:39 Level 2: The 16-Year-Old04:06 Paying cash or getting a loan for a car05:56 Treating a life insurance policy like a bank06:30 Level 3: The Sophomore-Level College Student07:37 Reason 1: Risk09:03 Reason 2: The Math10:48 Rate of interest can distract from the volume of interest12:44 Level 4: The Financial Advisor in Training/PhD Candidate14:40 How to build an overfunded policy?16:16 Internal Rate of Return (IRR) vs. Rate of Return and Taxable Equivalent Yield18:08 Sequence of Returns Risk/Volatility Buffer19:32 Level 5: The Fellow Expert/Wealth Coach21:28 Structuring premiums22:58 Comparing whole life to safe assets (Bonds)23:26 Positive correlation of participating in whole life to interest rates23:57 Improving the Sharpe Ratio25:01 Conclusion======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Is life insurance an investment? This is one life insurance debate that refuses to die it seems. In this episode of the And Asset show, Caleb Guilliams and Dom Rufran tackle this question, looking at the evidence behind both sides and explaining their perspective.

Is it too late to use life insurance after 60? The And Asset Show #22, features Caleb Guilliams, Dom Rufran, and retirement expert, Justin Gartman to answer a real life case study about a 62- & 63-year-old couple who wants to pay off a $1M mortgage, improve retirement income, and leave a legacy for their kids.They walk through side-by-side case studies to show how permanent life insurance can help them achieve those goals, and how repositioning assets with life insurance and annuities could create a meaningful 50% “pay raise” in retirement.Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset00:00 Introduction00:19 Answering the Question: Am I Too Old for Life Insurance?01:08 Guest Introduction: Justine Gartman02:11 Dom's Framework for Addressing Age and Life Insurance04:24 Bob Castalone's Philosophy on Efficiency06:29 Whole Life Policy for Pure Death Benefit09:57 Survivorship Policies11:43 Guaranteed Universal Life13:03 High Cash Value Policy17:41 Addressing Insufficient Retirement Savings and Assets19:40 Volatility Buffer Strategy21:34 Power of Blending Assets for a "Pay Raise"27:12 Infinite Banking for Adult Kids28:02 Strategy of Single Pay MEC Policy29:52 Conclusion and Final Thoughts======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn how to ultra-wealthy can reduce estate taxes by up-to 50% less and transfer their wealth across multiple generations using the intergenerational split dollar strategy. Alden Armstrong is joined by Jason Prather & Jay Cavanagh to walk through step-by-step this advanced tax and life insurance strategy.

In this debate recap, Caleb and Dom cover all of the main talking points in the debate between Caleb Guilliams and Jim Dew on whole life insurance and infinite banking. Where did it go well and which areas he should have done differently.  Watch the Debate: Part 1 - https://youtu.be/R_VUD5n-Oo8?si=sifFWI2a9KLqVN5fPart 2 - https://youtu.be/ME86h7yy1bM?si=tyDBtHoqeDzy-QER00:00 Introduction00:09 Discussion of the Debate with Jim Dew03:08 Post-Debate Reflections and Regrets05:57 Dom Rufran's Perspective and Industry Generalization07:12 Idea of a Part Two Debate11:06 Jim Dew's Talking Points16:22 Jim Dew's Take on Infinite Banking22:42 Debate on Commissions and Fees25:59 Commentary on the Insurance Industry's Backward Incentives28:50 Addressing a Viewer Comment31:44 Closing

Want to know what the number 1 asset missing in your portfolio is? In this video, legacy expert Demetrius Walker breaks down why every retirement plan should include life insurance as the foundational asset. He walks through case studies that compare the outcomes of a plan with and without life insurance and the drastic difference it makes. 00:00 Difference Between Portfolio Size and Cash Flow in Retirement00:54 Client's Financial Picture and Retirement Goals02:00 Risk of Sequence of Returns02:37 Power of Guaranteed Income03:23 Planning Process04:37 Scenario 1: No Changes, Relying on Market-Based Assets07:39 Scenario 2: Incorporating Life Insurance for "Sequence Defense"09:54 Role of Life Insurance as a Stabilizer (Volatility Buffer)10:29 Addressing the Idea of Age in Life Insurance11:15 Initial Life Insurance Illustration Details13:32 Conclusion

Caleb goes behind the scenes with Tom Wall, the founder of Whole Life Masterminds and the host of the Fast Start Forum. They discuss the speaker highlights and biggest moments from the event as well as the future of the industry and what needs to change.   Buy Your Tickets to the 2026 Life Insurance Summit! Click Here: https://betterwealth.com/summit Subscribe to Tom's New Channel - ‪@tomwall‬ ====================== 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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Have you ever wondered which side of a policy illustration is most accurate, guaranteed or non-guaranteed? Isn't it obviously the guaranteed side, and why do agents always show the non-guaranteed side instead? In this video, Austin Williams explains the differences between them and why the way most people understand illustrations are wrong.

Justin Gartman breaks down how whole life insurance can be used as a flexible college funding tool alongside 529 plans. Using a real family example, we walk through how cash value life insurance can provide liquidity, control, and stability when tuition bills arrive. This video covers using policies on parents, children, or even grandchildren, without giving up your investments or other savings accounts.

Caleb and Dom give their honest perspectives on MLM life insurance companies and how they impact the industry. In particular they focus on Patrick Bet David's company, PHP Agency. Caleb gives a behind the scenes look from his upcoming interview with Matt Sapaula, a friend of PBD's and leader at PHP. 00:00 Introduction00:39 The Hosts and Life Insurance Agency Models03:09 Network Marketing in the Insurance Space, PHP, and Matt Sagula06:37 Behind the Scenes of the Interview with Matt Sagula09:47 Matt Sagula's Framework12:15 Stigma and Advantages of Network Marketing15:22 Dominic's Thoughts on PHP and the Network Marketing Model20:01 Business Opportunity Focus21:42 Challenges of Selling Financial Products26:45 Size and Culture of PHP33:15 IUL Preference and Arguments Against Whole Life34:34 Q&A: What Situation Would an IUL Make Sense?38:43 Q&A: IUL as an Alternative to a HELOC or 401(k) Loan?40:39 Q&A: Policy Loans, Repayment, and Arbitrage48:58 Q&A: Why Are You Showing Non-Guaranteed Illustrations?52:03 Conclusion

It's common practice to use non-direct recognition whole life insurance but is it the best policy to use for infinite banking? In this video, Demetrius Walker shows a real case study comparing Direct vs Non-Direct Recognition policies between Penn Mutual and Lafayette Life Insurance Companies. The answer may surprise you.      Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn exactly what all of the life insurance health ratings are and how they will impact your policy performance.      Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Life insurance is often framed as boring, simple, or something you “set and forget.” The reality is that its use case can be much more versatile than one might think.    Corporate-Owned and Bank-Owned Life InsuranceLife insurance is used in unethical and illegal schemesBusiness buy-sell agreements and partner protectionUsing cash value for business operations and liquidityEstate planning, inheritance equalization, and trustsLife insurance as collateral for bank loansFamily banking and generational wealth strategiesCommon criticisms of whole life insurance and how we think about them In this episode of The AND Asset, Dominic Rufran and Caleb Guilliams delve into 20 dark, unethical, and strategic ways life insurance has been utilized throughout history, from corporations and banks to families, businesses, and even criminal activity.Important disclaimer: This conversation is educational and historical in nature. We do not endorse or encourage unethical or illegal behavior. Our goal is to examine how life insurance has been used both responsibly and irresponsibly, in order better to understand its power, utility, and potential when properly structured and applied.In this episode, we discuss:

See the real numbers of when you can borrow against your whole life insurance policy and the best way to design your policy to give you access as soon as possible.00:00 Introduction01:35 Traditional Whole Life Policy03:22 High Cash Value Policy Design04:52 When Can You Access Funds?05:53 How Much You Can Borrow?06:56 How High Cash Value Policies Are Designed07:23 Low Base Premium08:08 Term Rider08:46 Paid-Up Additions10:07 Goals of This Policy Design11:29 Uses for the Policy's Cash Value13:13 Conclusion: How Soon Can You Access Your Funds?Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Analyzing Compounding interest vs Amortizing interest for infinite banking. In this episdoe of the And Asset Show, Caleb Guilliams and Dom Rufran break down this popular debate in the IBC industry, using real math, illustrations, and a whiteboard. This is the last video you'll need to watch on this topic. 00:00 Introduction: Compound vs. Amortized Interest02:14 Revisiting The AND ASSET Book04:16 Setting up the Apples-to-Apples Comparison07:37 Compound vs. Amortized at the Same Interest Rate15:13 Why the Confusion Exists in Infinite Banking?19:45 Borrowing Principles and the Value of Insurance21:47 Visualizing the Scenarios (Dom vs. Dom 2.0)24:50 Human Behavior and Risk Management31:14 Tying the Concept to Life Insurance (The Dom 2.0 Scenario)34:09 Conclusion37:26 Q&A #1 Can one place a Life Insurance Policy inside a Self-Directed ROTH IRA?39:26 Q&A #2 What do you think of Gerber Life?41:30 Q&A #3 What are the Best Companies for Whole Life and IUL & Becoming an Agent?43:51 Q&A #4 Excess Repayment to Policy LoanWant 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn what overfunded whole life insurance is and how it works. In this video, Justin Gartman, walks through real case study examples that show how the overfunded policy is designed and performs compared to traditional whole life insurance designs.

When is the right time to start a whole life insurance policy and what should you do if it's not the right time? Demetrius Walker, wealth coach at BetterWealth walks through a real client case study and what he did with them to give them the coverage they wanted without compromising their financial situation.00:00 Client's Story and Goals01:16 Designing the Whole Life Insurance Policy02:19 The Need for Additional Coverage03:04 Cash Value and Death Benefit03:28 Understanding the Underwriting Amount04:50 The Vault05:21 Convertible Term Insurance06:37 Why Life Insurance is About More Than Cash Value?07:00 Importance of Death Benefits07:51 Action Plan08:21 Next Steps with Better WealthWant Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

And Asset Show Ep 17 | Caleb Guilliams and Dom Rufran walk through the complete breakdown of how to approach using infinite banking to invest in cash flow producing assets like real estate. First, they cover the the philosophy behind when to borrow against your policy and when not to, and then go through a real life example (with numbers) of how to invest in a real estate opportunity with whole life insurance. 00:00 Introduction00:14 Policy vs. Line of Credit01:42 Borrowing Mindset and Framework03:07 Factors to Consider When Borrowing05:12 Using the Policy for Random Things07:39 Comparing Life Insurance to a Savings Account09:11 Addressing the Borrowing Rate vs. Rate of Return10:35 Benefit Arbitrage and Competitive Growth22:10 Internal and External Benefits25:00 When Does It Make Sense to Borrow?27:24 Factoring in Opportunity Cost31:09 Line of Credit vs. Policy Loan32:11 Life Insurance Loan Rate and Flexibility34:27 Investing in Multifamily Real Estate42:17 Calculating the Positive Delta (Arbitrage)50:16 W2 Employee vs. Entrepreneur Perspective54:26 Creative Ways to Get Life Insurance Without Needles56:14 Addressing the College Cost and Borrowing01:02:34 Why Does Whole Life Insurance Require These?01:04:53 Is The Growth within PDF Also Tax Free?Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn two easy ways to avoid a modified endowment contract (MEC) in your permanent life insurance policies.00:00 Introduction00:22 What is MEC?02:00 No Attempt to Avoid MEC02:41 Way #1: Contribute Less Premium03:38 Way #2: Combo Less Premium Offset in Year 3005:34 The Upshot?Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

What happens when a Wall Street insider realizes that his traditional wealth building plan isn't enough to meet his wants for financial success? In this video, Demetrius Walker dives into a real client case study where he reviews two whole life insurance policies he designed for a client who wanted greater freedom, control, and liquidity of his money, than he could find with just his 401k and investment accounts.

And Asset Show, Episode 16 - Caleb Guilliams and Dom Rufran react to a Primerica agent who confronts life insurance companies who sold terrible IUL policies and lied to their clients about how it performs and functions.

Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity       Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault ======================Learn More About the And Asset: https://bttr.ly/andassetDISCLAIMER: 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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Caleb Guilliams and Dom Rufran unpack the $8.5 million Kyle Busch lawsuit against Pacific Life and what it means for the life insurance industry. They explore how the case could reshape IUL sales, commissions, and transparency standards across the industry.

Have you ever heard someone tell you to borrow against your whole life insurance policy because the interest you pay gets paid back to you? In this video, Austin Williams examines a case study comparing two different policies, 1. One that uses the policy with loans, 2. One without policy loans. So before you decide to use your cash value to invest, watch this video and make sure you understand the full picture.

Caleb Guilliams and Dom Rufran break down the life insurance industry’s record-setting year and New York Life’s massive new premium deposit bonus, available only through November. They also touch on shifting product trends, rising death benefit claims, and what these changes mean for financial planning and policy design.

My client was ready to commit $84,000 a year into a life insurance policy designed by another agent, until I discovered an issue his agent missed. In this video, I break down the $100,000 mistake hidden inside his policy, how it happened, and what I did to give him his desired policy design.

Alden Armstrong breaks down New York Life’s new 12% guaranteed premium deposit fund offer explaining how it works, who it’s for, and what to watch out for. Learn how this short-term rate can enhance whole life insurance performance, increase front-load flexibility, and potentially reduce long-term policy costs.

In this episode of The And Asset Show, Dom, Austin Williams, and Justin Gartman break down one of the most overlooked and undersold life insurance strategies — policies for kids. They reveal why juvenile life insurance can be one of the smartest, most cost-effective ways to build guaranteed cash value early, lock in lifelong insurability, and give children a financial head start.The conversation also tackles the emotional hesitation many parents feel, the difference between career and independent agents, and how guaranteed purchase options and riders can add flexibility and long-term value.00:00 Introduction03:52 Updates08:38 What is John Hancock?10:56 Who is Bobby Samuelson?12:23 What is a Juvenile Case?12:52 Why People Should Consider Getting A Juvenile Case?15:05 Why Is It Just Not Being Sold?18:13 Death Benefit on their Kids26:54 Any Other Rider To Be Considered?29:56 Any Other Riders That Would Be Good To Put On Right Away?32:23 Does it Make Sense to Use a Different Product Besides Whole Life? (Whole Life, IUL, VUL)40:08 What Are Your Thoughts on New York Life Insurance as a Company?42:42 Can You Explain Term Riders In Simple Terms for Beginners?45:52 Is It Better To Buy Term & Invest the Difference in a Brokerage Account?47:33 Is It True? Every Time You Access Your Cash Value, There's a Hidden Fee?48:54 If Someone puts $100k/Year, Do They Need a Life Insurance Policy at All?Want 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-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

A common misunderstanding of many people is that IRR and ROR are the same thing in whole life insurance but the truth is more complex. Both IRR and ROR are very different but very important data points to understand when analyzing the performance of your policy.

Artificial Intelligence is changing everything… but can it really replace life insurance agents? In this episode of The And Asset Show, Caleb Guilliams, Dominic Ruffran, and Austin Williams dive into how AI explains whole life insurance—and what it gets wrong. They talk through cash value, policy loans, and death benefits, share why flexibility can be both helpful and dangerous, unpack the truth about early liquidity and guarantees, and debate whether technology will ever replace real human strategy and advice.