The And Asset™?
Simply, it's Overfunded Whole Life Insurance
Do you want to grow your wealth and leave a legacy?
Overfunded Whole Life Insurance
We emphasize the value of overfunding when setting up your policy. In typical financial planning, whole life insurance is designed to get the most death benefit for the cheapest cost. In overfunded whole life insurance, the focus is on maximizing the living benefits while minimizing the death benefit. It’s a strategic approach for those who want to optimize and use their life insurance while alive, not just as an asset that kicks in on their death.
When whole life insurance is set up and used properly, it becomes an incredible foundational asset that builds a strong base for your finances. It grows your money over time, provides many protection elements including the death benefit, AND allows you to access your money to use however you want. See below for a comparison between The And Asset vs. a typical whole life insurance policy.
Uninterrupted Compounding
Typical financial investments are eroded by what we like to call the four compound killers: taxes, fees, market changes, and use of capital.
The And Asset keeps your money growing.
- It is not affected by the four compound killers
- This policy allows true uninterrupted, lifetime compounding to work its magic
- Keeps you steadily building your wealth
It's a powerful asset for your finances, keeping your money safe and helping you maximize your financial future.
Controlled Compounding
Not only does The And Asset offer lifetime uninterrupted compounding, it also provides you flexibility to access your capital through its built-in collateralized loan feature.
The And Asset is not just a place to store money; It's a tool for using your money however you want
- Enjoy the benefits of life insurance combined with the liquidity and control of a high-yield savings account
- Use your money without sacrificing the long-term advantages you get from life insurance
- Leverage your policy for a variety of financial needs, opportunities, possibilities and emergencies
With The And Asset, you have the power to control and grow your wealth on your terms.
Tax Advantages
Consider the future of taxes—do you believe they will increase or decrease? If you said increase, we would agree. If you said decrease, look at the current image to the right that shows our national debt clock and ask yourself the question again...
The And Asset can be used as a hedge for
future taxes.
- Tax-deferred growth on your investments
- Access your funds tax-free throughout your lifetime as per section 7702(a)
- Death benefit is paid income tax free to your estate and beneficiaries without going through probate
Similar to a Roth IRA, you do not get a deduction going into the policy, but after your capital enters the policy you never pay taxes again if utilized properly. Paying taxes at a lower rate today so you don’t have to worry about taxes being higher in the future is another reason why The And Asset is such a powerful tool.
Gives Your Dollar More Than One Job
The And Asset isn't an investment; it's a multi-use tool for your money. Think of your phone, it does more for you than calls and texts. Overfunded whole life insurance becomes the 'cell phone' for your money.
It's not just about saving—it's about giving your money more jobs to do.
- Secures lifetime growth for your wealth
- Gives you control & use over your money
- Ensures future cash flow to meet financial goals
- Offers protection & secures your legacy by safeguarding your assets
The And Asset is not just used for one thing. It's there to help you in a number of ways and designed to maximize your financial well-being.
Designed To Protect You
The And Asset provides protection for you and the people you love the most. While it's true that whole life insurance provides a death benefit upon your passing, your coverage can extend far beyond that.
The And Asset offers benefits while you are living.
- Chronic illness rider and accelerated benefits
- Offers you coverage in unexpected situations
- If faced with a terminal illness or inability to perform daily activities in the future...
- These built-in riders allow you to access your death benefit while still alive
The Retirement Enhancer
The And Asset can serve as an amazing retirement enhancer, offering options to secure your financial future. Recent research has shown that properly structured whole life insurance can be a better solution than bonds in diversification for retirement.
Maximize your retirement potential with
The And Asset.
- Unique features that give you better future options for increased cash flow
- Ensures that your retirement savings are protected
- Access to financial strategies tailored to your retirement needs
Secure the retirement you've envisioned with The And Asset. Explore how our approach can elevate your retirement plans today.
With The And Asset
✅ High Early Cash Value
✅ Liquid (Early)
✅ Private (Flexible Premium Payments)
✅ Tax Advantages (Able To Use While Alive)
✅ Growing Death Benefit
✅ Safe (Competitive Returns)
Typical Whole Life Insurance
❌ High Fees
❌ Lacks Early Liquidity
❌ Low Long-Term Growth
❌ Mandatory High Premium Payments
❌ Very LOW Returns Early on Cash
❌ No control over your money
Get Started Today
Meet with the BetterWealth team to start your Overfunded Whole Life Insurance policy. You'll be given a free consultation and follow up with best practices and next steps, even if you decide to start a policy with someone else.