The And Asset Show

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: h...

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 Insurance Life insurance is used in unethical and illegal schemes Business buy-sell agreements and partner protection Using cash value for business operations and liquidity Estate planning, i...

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...

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:...

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...

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 li...

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...

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...

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/andasset DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Fin...

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...

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...

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...

Is whole life insurance always a better option than term life insurance? A lot whole life insurance advocates think it's whole life or nothing but the truth is a lot more complex. In this video, lead wealth coach from BetterWealth, Demetrius Walker, breaks down when term insurance makes

What happens if you wait to start your whole life insurance policy until your almost 50 years old? The opportunity cost may shock you, especially when you see how much more money you would have had if you started it only 2 years earlier.

In last weeks episode we discussed the biggest issues facing the life insurance industry and how it's failing its clients. In this episode we are addressing the problems head on, offering our perspectives on how to fix the most prevailing issues in our industry.

Is the life insurance industry failing clients? We walk through the biggest issues in the industry that need to be addressed and why agents are failing their clients.

In this video, BetterWealth Coach Justin Gartman breaks down a real life case study on how he helped a client combine both whole life insurance and term insurance to create massive generation wealth with one move.

Using Whole Life Insurance to Invest In Real Estate & Crypto | Real Life Examples