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What is infinite banking? A practitioner's honest definition, how it works, the math that decides if it pays, and how The And Asset differs from generic IBC.
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Private Equity Life Insurance: The $17 Billion Case
Federal investigators are examining $17 billion in affiliated investments at private-equity-linked life insurers. What policyholders should ask before funding.
Whole Life Policy Loans: 4 Carriers Compared (2026)
How whole life insurance policy loans actually work: rates, direct vs non-direct recognition, and how Penn Mutual, Lafayette Life, Guardian, and Mass…
Tax-Free Retirement Playbook: Fixing a Large IRA
Ed Slott's tax-free retirement playbook, explained by a practitioner: why a large IRA grows and erodes at once, and how Roth conversions and life insurance…
What Is Private Placement Life Insurance (PPLI)? Full Guide
PPLI explained honestly: how private placement life insurance works, the $5,000,000 qualified purchaser bar, what it costs, and what fits if you do not.
History of Life Insurance: 300 BC to Today
The full history of life insurance, from Roman burial clubs in 300 BC to Section 7702 and The And Asset.
How to Be Your Own Bank With Life Insurance
Be your own bank with life insurance: how a specially designed whole life policy actually works, what the loan really costs, and who should walk away.
Academic Case for Whole Life Insurance: The Research
The academic case for whole life insurance: terminal reserves, Wade Pfau's retirement income research, and lost opportunity cost, from a 40-year practitioner.
How to Find an Infinite Banking Advisor: Vetting Guide
How to find and vet an infinite banking advisor: how agents get paid, the exact questions to ask, red flags that end the conversation, and how to judge…
Whole Life Insurance as an Asset Class: 100 Years of Data
A PhD in retirement income planning walked through 100 years of data on whole life insurance.
Cash Balance Plan + Life Insurance: The Tax Strategy
How a cash balance plan with whole life insurance cut a $165,000 tax bill to $6,000.
Whole Life Living Benefits: Chronic Illness Riders Compared
What chronic illness riders and accelerated death benefits actually cost when you use them, how Penn Mutual, Lafayette Life, Guardian, MassMutual…
Whole Life Policy Loans: When Borrowing Makes Sense
Does it make sense to borrow at 5% against a policy earning 4%? A practitioner walks the dollar math on a $100,000 policy loan, and the case where it fails.
How To Use Life Insurance While You're Still Alive
How to use life insurance while you're still alive: policy loans, living benefits, and the math that decides whether borrowing against cash value is worth it.
IUL vs Whole Life: What the IUL Challenge Reveals
An IUL challenge with a $25,000 prize has run four years with no winner.
Catholic Order of Foresters: Whole Life & IBC Review
An honest review of Catholic Order of Foresters whole life insurance for infinite banking: the fixed 5% loan rate, extreme premium flexibility, real IRR…
How to Start a Family Banking System (2026 Guide)
How to start a family banking system: the family constitution, the governance, and the whole life capital base behind multi-generational family banking, from…
Dynasty Trust Life Insurance: How the Wealthy Do It
How wealthy families use life insurance inside a dynasty trust to build multi-generational wealth. The structure, the math, and who it actually fits.
Whole Life Insurance as an Asset Class (2026 Analysis)
The smartest minds in life insurance keep saying the same thing: whole life is an asset class, not a product.
Infinite Banking for Cars: The Math That Settles It
Does a whole life policy loan beat a bank loan on a car? The worked math: $917 ahead at equal rates, $2,359 behind at 4% vs 6%, and the honest rule…
Record Life Insurance Dividends 2026: What They Mean
Northwestern Mutual is paying $9.2 billion. MassMutual $2.9 billion.
IUL vs Whole Life for Infinite Banking: Honest Take
Can an IUL outperform its illustration? Inside the LIFE180 challenge, and why The And Asset uses whole life, not IUL, as the capital base for infinite banking.
Best Life Insurance Company for Infinite Banking 2026
Which life insurance company is best for infinite banking in 2026? A practitioner's honest guide to 10 mutual carriers, ranked by what you actually value.
Sequence of Returns Risk: Why Saving More Isn't a Plan
Saving more does not fix retirement. Sequence of returns risk decides whether your income lasts. Here is the two-powers approach and where The And Asset fits.
Whole Life Insurance vs Investing: A 55-Year Math Review
We compared whole life insurance to buy-term-and-invest over 55 years using a real Penn Mutual illustration.
Ameritas Infinite Banking 2026: Honest Carrier Review
Is Ameritas a good choice for infinite banking in 2026? A practitioner's honest review of its whole life, the 4% fixed loan option, PUA step-down, and…
Best Whole Life Insurance for Cash Value (2026)
The best whole life insurance for cash value comes from policy design: a small base premium, a large paid-up additions rider, and overfunding near the…
Guardian Infinite Banking 2026: Honest Carrier Review
Is Guardian the best company for infinite banking in 2026? A practitioner's honest review of its whole life, direct recognition, early cash value, and…
Lafayette Life Infinite Banking 2026: Honest Review
Is Lafayette Life the best company for infinite banking in 2026?
Mass Mutual Infinite Banking 2026: Honest Review
Is MassMutual the best company for infinite banking in 2026? A practitioner's honest review of its whole life policy, non-direct recognition, PUA rider…
OneAmerica Infinite Banking 2026: Honest Review
Is OneAmerica good for infinite banking in 2026? A practitioner's honest review of its whole life policy, non-direct recognition, PUA flexibility, LTC…
Pan-American Infinite Banking 2026: Honest Review
An honest 2026 review of Pan-American Life (formerly MTL) for infinite banking: 85 to 92% early cash value, flexible PUAs, direct recognition, and the…
Penn Mutual Infinite Banking 2026: Honest Carrier Review
Is Penn Mutual the best company for infinite banking in 2026? A practitioner's honest review of its whole life policy, direct recognition, PUA flexibility…
Security Mutual Infinite Banking 2026: Honest Review
Is Security Mutual good for infinite banking in 2026? A practitioner's honest review of its whole life policy, non-direct recognition, fast loans, and the…
The AND Asset Policy Study: What 2,000+ Real Policies Show
A study of 1,735 real whole life and term policies structured by BetterWealth.
Is Infinite Banking a Scam? An Honest Answer
Is infinite banking a scam? A practitioner answers the Dave Ramsey, Money Guy, and RichOnMoney critiques with specifics: where the skeptics are right…
Reverse Mortgage Tax Strategy 2026: An Honest Review
The reverse mortgage tax strategy explained honestly: how freed home equity, deductible interest, and life insurance work together, plus the real costs and…
Are Life Insurance Proceeds Taxable? The Honest Answer
Are life insurance proceeds taxable? A death benefit is generally income-tax-free under IRC 101(a).
Buy-Sell Agreement Life Insurance: How Funding Works
How life insurance funds a buy-sell agreement so surviving owners can buy out a deceased partner with tax-free dollars.
Cash Value Life Insurance for Business Owners
How business owners use cash value life insurance as a business asset: a liquid reserve, opportunity capital to borrow against for deals, and a…
How to Avoid Tax on Life Insurance Proceeds (2026)
How to avoid tax on life insurance proceeds: the death benefit is already income-tax-free. The real exposure is estate tax.
Indexed Universal Life Insurance (IUL): How It Works
Indexed universal life insurance (IUL) credits cash value to a market index with a cap and a floor.
Is IUL a Good Investment? An Honest Answer (2026)
Is IUL a good investment? The honest answer: indexed universal life is insurance with a cash-value component, not a security.
Is Life Insurance Tax Deductible? The Honest Answer
Is life insurance tax deductible? Personal premiums are not (IRC 264). Here are the narrow business exceptions, and the real tax advantage most people miss.
Is Life Insurance Taxable? The Complete 2026 Guide
Is life insurance taxable? The death benefit is generally income-tax-free under IRC 101(a).
IUL Pros and Cons: What Agents Don't Explain (2026)
An honest breakdown of IUL pros and cons. The real upside, the caps and costs illustrations hide, illustration risk, lapse risk, and how to stress-test an…
IUL vs Whole Life Insurance: An Honest Comparison
IUL vs whole life insurance, compared honestly by practitioners.
Key Person Life Insurance: How It Works & Who Needs It
Key person life insurance is a policy your business owns, pays for, and collects on.
Life Insurance for Business Owners: The Complete Guide
A practitioner's complete guide to life insurance for business owners: key person coverage, buy-sell funding, cash value as capital, and the tax rules…
Best Companies for Infinite Banking 2026: Carrier Guide
The best companies for infinite banking in 2026, reviewed honestly: mutual ownership, dividend history, recognition type, and PUA flexibility compared.
Dangerous Tax Advice Online: A Tax Attorney Responds
A tax attorney breaks down the viral 'pay zero taxes' schemes online, why they fail, and what a legitimate tax-aware life insurance strategy looks like.
Foresters Infinite Banking 2026: Honest Carrier Review
Is Foresters good for infinite banking in 2026? An honest review of its whole life policy, fraternal structure, cash value, and the real tradeoffs.
How Soon Can I Borrow From My Life Insurance Policy?
How soon can you borrow against whole life insurance? An honest timeline: when cash value is usable, and how overfunding speeds up access.
How to Structure an Infinite Banking Policy (2026)
How to structure a whole life policy the right way: the base/PUA split, riders, carrier choice, and why most agents design for commission, not cash value.
How Whole Life Insurance Cash Value Works (2026 Guide)
How whole life insurance cash value works: how it builds and grows, the role of dividends and paid-up additions, and the real break-even timeline.
Infinite Banking Concept Explained Simply (2026)
The infinite banking concept, explained simply: how a specially designed whole life policy works, the math behind it, and where marketers get it wrong.
Infinite Banking Pros and Cons: An Honest Assessment
An honest, practitioner's assessment of infinite banking pros and cons. The real upside, the real tradeoffs, who it fits, and who should walk away. No hype.
Infinite Banking vs 401(k): The And Asset Compared
Infinite banking vs 401(k) and IRA, compared honestly: access, tax treatment, control, and the spendable-income lens. Where each one actually fits.
Infinite Banking vs Dave Ramsey: An Honest Response
Dave Ramsey calls infinite banking a scam and whole life a ripoff. A practitioner breaks down the real debate and what both sides get wrong.
Infinite Banking vs HELOC: An Honest Comparison (2026)
Infinite banking vs HELOC: an honest comparison of control, callability, compounding, and rate risk. Where each one wins, and where a HELOC still fits.
Is Whole Life Insurance Worth It? An Honest Answer
Is whole life insurance worth it? An honest answer, split three ways: as insurance, as an investment, and as a cash-value tool. Plus when it is not.
Limited-Pay Whole Life Insurance Explained (2026)
Limited-pay whole life lets you fund a policy in 7, 10, or 20 years. An honest breakdown of the trade-offs, the MEC line, and where it fits.
Overfunded Whole Life Insurance: How It Actually Works
Overfunded whole life insurance explained: how paid-up additions outrun base premium, where the MEC limit caps you, and the real cash value timeline.
Paid-Up Additions Whole Life: The Cash Value Engine
Paid-up additions (PUAs) are the engine of whole life cash value. A practitioner's guide to base/PUA ratios, why design beats carrier choice, and the MEC limit.
Premium Financing Life Insurance: An Honest 2026 Guide
Why the ultra-rich use other people's money to buy life insurance: how whole life premium financing works, the estate-tax problem it solves, and when it fits.
Section 7702 Life Insurance Tax Strategy: An Honest Guide
How Section 7702 governs whole life insurance taxes: tax-deferred growth, an income-tax-free death benefit, and why a policy loan is tax-exempt cash flow.
Super Roth Life Insurance: How It Actually Works
An honest guide to the 'Super Roth' life insurance strategy: tax-exempt policy loans, no income limits, and the discipline that decides if it works.
Velocity Banking Controversy: An Honest Breakdown
Is velocity banking a scam or a real strategy? A practitioner breaks down the HELOC vs mortgage math, the real risks, and where it goes wrong.
What Is Infinite Banking? The And Asset Guide
What is infinite banking? A practitioner's honest definition, how it works, the math that decides if it pays, and how The And Asset differs from generic IBC.
Whole Life Insurance for High Earners: Is It Worth It?
Is whole life insurance worth it for high-income earners? An honest breakdown of no income limits, tax-exempt access under 7702, and the real tradeoffs.
Whole Life vs Term Insurance: Which Is Worth It? (2026)
Whole life vs term insurance, decided honestly. When term wins, when whole life wins, and why the head-to-head most people run is the wrong comparison entirely.
Why the Wealthy Use Life Insurance: The Paul Atkins File
SEC chairman Paul Atkins disclosed 54 life insurance policies worth up to $70M. Here's why the wealthy actually use life insurance, and how it works.
Can You Avoid Taxes on Overtime? | Better Wealth
Can overtime pay be tax-free? Better Wealth breaks down IRS rules, common misconceptions, and practical ways to manage taxes on extra income.
Property Taxes Across the US: See Your State’s Rank | Better
Better Wealth reveals how property taxes vary across the US, ranking each state so you can see if you’re paying more or less than average.
Capital Gains Tax: Short-Term vs Long-Term | Better Wea
Understand capital gains taxes in 2024. Better Wealth explains the difference between short-term and long-term rates and strategies to minimize your tax bill.
What Is the 2024 Standard Deduction? | Better Wealth Guide
Breaks down the 2024 standard deduction amounts by filing status. Learn how to maximize this deduction and reduce your taxable income smartly.
How to Use the 2024 Tax Calculator: Refund Math Made Easy
Learn how the 2024 tax calculator refund works. Enter income, deductions, and credits to predict your refund with greater accuracy.
Are Life Insurance Proceeds Taxable? IRS Rules Explained | B
Wondering if life insurance proceeds are taxable? Better Wealth breaks down IRS guidelines to help you understand tax rules and protect your beneficiaries.
How Whole Life Insurance Rates Change by Age | Better Wealth
Explore how whole life insurance rates vary by age. Better Wealth provides a detailed guide to help you choose the right policy and maximize benefits.
Is Whole Life Insurance Worth It in 2025? | Pros, Cons & Exp
Wondering if whole life insurance is right for you in 2025? Better Wealth breaks down the pros, cons, costs, and benefits to help you make smart, long-term…
Whole Life vs Term Life Insurance: Which Is Right? |
Breaks down term vs whole life insurance. Discover benefits, differences, and strategies to select the best policy for your needs.
Do I Need Life Insurance? Complete Guide | Better Wealth
Wondering if you need life insurance? Better Wealth provides a comprehensive guide covering types of policies, benefits, and how to protect your family’s…
Do You Really Need Life Insurance at 18? Honest Answer
Whether life insurance makes sense at 18 with no debt or dependents, what early coverage actually buys you, and when it is worth starting young.
Invest in Life Insurance Compound Interest | Better Wealth
Discover how to grow your wealth using life insurance and the power of compound interest.
How Life Insurance Builds Compound Interest Over Time
How a whole life policy compounds cash value year after year, why the growth is tax-deferred, and how to use it without stopping the compounding.
Term Life Insurance Explained: Full Guide | Better Wealth
Discover with Better Wealth how term life insurance works, its benefits, and how it can secure your family’s financial future.
Term vs Whole Life Insurance Explained — BetterWealth
Compare term vs. whole life insurance in this comprehensive guide to find the best option for protecting your loved ones and finances.
Whole Life Insurance Explained: Complete Guide|Better Wealth
How whole life insurance works, its benefits, and ways to grow wealth and secure your family’s financial future.
Post-Election Opportunities for 2025 | Better Wealth
Discover key post-election opportunities and strategies to prepare for 2025 and beyond. Better Wealth helps you plan for growth and security.
Burying Bodies: The Secret Tax Loophole? | Better Wealth
Could “burying bodies” be a shocking tax loophole? Better Wealth uncovers the hidden strategies and legal ways to reduce taxes creatively.
19-Year-Old Leads Bank Investment Team | Better Wealth
A 19-year-old is leading a major bank’s investment department. Better Wealth breaks down how he rose so fast—and what this means for the future of finance.
3 Massive Tax Deductions Every Business Should Claim | Bette
Stop overpaying on taxes! Better Wealth reveals 3 massive tax deductions that can save businesses and individuals thousands each year.
3 Questions That Could 10x Your Business | Better Wealth
Want to 10x your business? Better Wealth breaks down 3 essential questions that guide smarter decisions, higher revenue, and rapid growth.
3 Ways to Sell More Without Being Salesy | Better Wealth
Struggling with pushy sales tactics? Better Wealth shares 3 ways to sell more naturally, build trust, and increase revenue without being salesy.
Entrepreneurs: Stop Making Excuses & Take Action |
Entrepreneurs, it’s time to stop making excuses. Better Wealth shares strategies, mindset shifts, and actionable steps to grow your business and wealth.
High Net-Worth Estate Planning Strategies | Better Wealth
Better Wealth shares estate planning strategies for high net-worth individuals, covering tax reduction, asset protection, and preserving your legacy.
IULs, Whole Life & Infinite Banking: Expert Reviews | Better
Better Wealth reviews IULs, whole life insurance, and infinite banking, sharing expert insights, pros, cons, and strategies to grow wealth effectively.
Prosperity Lessons from the Rockefellers | Better Wealth Gui
Explore how the Rockefellers’ guidance encourages America toward recovery and growth.
Why I’m Skeptical About Becoming Your Own Bank-Better Wealth
skepticism around the “Be Your Own Bank” strategy. Learn risks, misconceptions, and smarter approaches to growing wealth.
Guardian Life Insurance Review: What It Actually Pays
Read our Guardian Life Insurance Review. We provide insights on premiums, riders, cash value, and how it compares with top insurance carriers.
How to Turn Inflation into an Advantage | Better Wealth
Learn how to turn inflation into a financial advantage. Better Wealth shares tips to protect your money and even profit in an inflationary economy.
The Fed’s Latest Response to Inflation Spikes | Better Wealt
Stay informed on how the Federal Reserve is addressing recent inflation spikes.
The Future of Retirement Income: New Strategy Explained | Be
A new approach to retirement planning that maximizes future income potential.
Why Most Real Estate Investors Are Failing | Better Wealth
why many real estate investors fail. Learn key mistakes, strategies to avoid them, and how to build lasting wealth through real estate.
I Challenged Curtis Ray About MPI | The Truth Revealed
See what happened when Better Wealth put Curtis Ray’s MPI strategy to the test.
If Kamala Harris & Taxes: Expert Advisor Insight
Better Wealth discusses potential tax impacts of a Kamala Harris presidency.
Liberal vs Conservative Tax Policy | Impact on the Economy E
Understand how different political approaches to taxes influence the economy and your finances.
Savings vs Insurance: High‑Yield Accounts vs Life Insurance
Is cash sitting in a bank, or growing inside a life insurance policy — better for your money?
What You Need to Know About the 2017 Tax Act
Understand the major changes from the 2017 Tax Act and how it affects your taxes, investments, and financial strategies.
Why I Won’t Pay Off My Mortgage Early | $1M Mistake
why paying off a mortgage early can be a $1M mistake. Learn smarter strategies to grow wealth and manage debt effectively.
The One Video That Changed My Financial Life | Better Wealth
Powerful lessons from the one video that changed everything about personal finance.
What to Expect When the Recession Hits | Better Wealth
Better Wealth explains what to expect during a recession. Learn strategies to protect your wealth, manage finances, and stay prepared in uncertain times.
Why Retirement Is a Scam:What You Need to Know-Better Wealth
why traditional retirement may fail most people. Learn smarter strategies to grow wealth, secure income, and achieve financial freedom.
Secure Your Financial Legacy Today | Better Wealth Insights
Discover practical strategies to preserve your wealth and provide for your family. Better Wealth guides you in building a legacy that lasts for generations.
Velocity & Infinite Banking Masterclass | Better Wealth
Join Better Wealth’s Velocity & Infinite Banking Masterclass to master wealth-building strategies, grow cash flow, and take control of your financial future…
How $12K Can Be Worth More Than $120K | Better Wealth
Discover how $12,000 can create more value than $120,000. Better Wealth explains financial strategies, investments, and leveraging money smartly.
How Elon Musk Made $1B Using Debt | Better Wealth
How did Elon Musk turn debt into $1 billion? Better Wealth uncovers his methods and what you can learn about using leverage to build wealth.
Protect Your Finances During a Recession | Expert Strategies
Get ready for a potential recession with Better Wealth’s expert advice.
Convert Term to Whole Life Insurance: Choose Your Coverage
Compare convertible term and whole life insurance to understand costs, flexibility, and long-term benefits so you can choose the right coverage.
Front-Loading Whole Life Insurance: How and Why It Works
How front-loading a whole life policy builds cash value faster inside IRS limits, why early growth matters, and when it actually makes sense.
Why Alex Hormozi Shifted His View on Infinite Banking | Bett
Alex Hormozi rethinks Infinite Banking. Better Wealth dives into his new perspective and what it means for wealth building and financial strategies.
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