# BetterWealth

> BetterWealth helps business owners, high earners, and families use properly structured permanent life insurance to build cash value they can actually access and control. Founded by Caleb Guilliams. Strategy framework: The And Asset.

## About

BetterWealth designs and structures overfunded whole life insurance policies built for cash value, liquidity, and control rather than just a death benefit. The company's framework, The And Asset, treats a properly designed policy as a financial tool you borrow against only when the deployed dollars beat the carrier's loan cost, with disciplined repayment as the core of the strategy. BetterWealth works with clients in all 50 states and publishes extensive free education across YouTube and its blog. Founder Caleb Guilliams is the author of "The And Asset" and host of the BetterWealth podcast.

## Book a call

- The primary action for anyone evaluating a policy is a free discovery call: https://powered-by-betterwealth.typeform.com/to/iRCwtJdv

## Cornerstone pages

- [Is Whole Life Insurance Worth It?](https://betterwealth.com/blogs/is-whole-life-insurance-worth-it): An honest breakdown of when whole life is worth it and when it is not.
- [How Whole Life Insurance Cash Value Works](https://betterwealth.com/blogs/how-whole-life-insurance-cash-value-works): How cash value accumulates, grows tax-deferred, and becomes accessible.
- [What Is Infinite Banking? The And Asset Guide](https://betterwealth.com/blogs/what-is-infinite-banking): Infinite banking defined, Nelson Nash's foundation, and how The And Asset framework differs.
- [Overfunded Whole Life Insurance](https://betterwealth.com/blogs/overfunded-whole-life-insurance): How overfunding front-loads cash value while staying inside IRS limits.
- [Whole Life vs Term Insurance](https://betterwealth.com/blogs/whole-life-vs-term-insurance): The real cost and use-case difference between whole life and term.
- [How Soon Can You Borrow Against Whole Life](https://betterwealth.com/blogs/how-soon-borrow-against-whole-life): Real timelines for policy loan access and how to design for early liquidity.
- [Whole Life Insurance for High Income Earners](https://betterwealth.com/blogs/whole-life-insurance-for-high-income-earners): Why high earners use overfunded policies for tax-advantaged growth and liquidity.
- [Section 7702 Life Insurance Tax Strategy](https://betterwealth.com/blogs/section-7702-life-insurance-tax-strategy): How Section 7702 governs the tax treatment of cash value and policy loans.
- [Whole Life Cash Value Calculator](https://betterwealth.com/articles/whole-life-insurance-cash-value-calculator): A free tool to estimate cash value growth year by year.

## Key concepts

- **The And Asset**: BetterWealth's framework for using a permanent life insurance policy as a tool that does two jobs at once: the dollars stay in the policy compounding AND can be borrowed against for opportunities, with disciplined repayment.
- **Overfunded whole life**: A whole life policy funded with maximum paid-up additions inside IRS limits to front-load cash value and minimize the cost of insurance.
- **Cash value**: The accessible, tax-deferred savings component of a permanent life insurance policy that the owner can borrow against.
- **Policy loan**: Borrowing against a policy's cash value, which is not taxable income when the policy is structured correctly and stays in force.
- **Infinite banking**: A concept, originated by Nelson Nash, of using a dividend-paying whole life policy as a personal financing system.

## Statistics

- BetterWealth has structured more than 2,000 life insurance policies.
- BetterWealth serves clients in all 50 U.S. states.
- Founder Caleb Guilliams is the author of the book "The And Asset."

## Organization

- BetterWealth — permanent life insurance strategy and education — https://betterwealth.com
- Caleb Guilliams — Founder, author of "The And Asset" — https://betterwealth.com