A Straight Answer on Your Life Insurance Policy
I Already Own a Policy
FreeThe Policy Grader
Upload your statement or illustration, or answer 9 questions, and get your grade back in 2 minutes.
Grade My Policy →I'm Deciding on One
FreeThe Policy Designer
Enter your age, health, and yearly contribution, and see your ideal policy build year by year.
Build My Ideal Policy →As Seen On
You've Probably Said One of These Already
"I'm not sure my policy was actually designed for cash value."
"There's no transparency about who this policy was really built for."
"It's hard to trust that this was designed for my goals, not theirs."
Why We Built These Tools
Most people never see how their own policy was designed. An advisor builds it, hands over an illustration, and tells them that is how it should be done. But how a policy is designed also decides how much that advisor gets paid, and the design that pays the most is the one that builds your cash the slowest.
These tools put the design back in your hands. You move the pieces yourself, watch what every choice does to your cash value, and decide what you want before you talk to anybody.
We can’t recommend BetterWealth enough! They’ve helped us set up 2 life insurance policies and our estate plan, including a revocable trust and 2 wills. Everything is always easy and well communicated. I also have deep trust in their character and values, which is essential when working with financial professionals. Caleb, Demetrius, and Trevor all treat us like family and regularly check in whenever we’re celebrating birthdays and anniversaries. We’ll be clients for life.
I worked with Alden and Victoria on setting up my whole life policy and their team is exceptional professional and provides strong communication. I'm looking forward to working with them for years to come.
My experience with the BetterWealth team was outstanding from beginning to end. The team demonstrated excellent product knowledge, genuine kindness, and took the time to truly listen to our needs. We felt supported and confident every step of the way. I highly recommend BetterWealth.
The BetterWealth team has taken great care of us for nearly 10 years! Highly recommended!
Better Wealth has assisted me in structuring cash value whole life insurance policies and their level of integrity and quick communication is incredible. They never stop short of answering every question. I've dealt with Trevor Wood the most and he is as genuine as they come.
Austin and the team at BetterWealth have been fantastic. Very educational and professional. They've given great support every step of the way.
Read them on Google · Individual results vary. Nothing here is a guarantee of any specific outcome.
Questions People Ask
Which tool do I start with?
If you own a policy, start with the Grader and have your annual statement or in-force illustration nearby. If you're deciding on one, build the ideal version in the Designer and compare it to the illustration you were given.
What happens after I use a tool?
You see your result on the screen and you decide what to do with it. If you want a licensed specialist to walk through it with you, each tool shows you where to book that conversation. Plenty of people take the grade and go; that's a fine outcome.
What if my policy is actually good?
Then the grade says so and the smartest move is usually to keep it. Sometimes the best answer we give is that what you already have is fine. Hearing that takes two minutes and settles it.
Is it really free?
Yes. Both tools are free to use. We're only paid a commission if you place a policy through us, the same as any agency.
How long does it take?
About two minutes. Answer the questions or upload your statement, and your result is on the screen.
What if I already have an agent?
Use the tools anyway. A second read on how your policy was designed costs you nothing, and you keep whatever you learn from it.