While this question is broad we get this question all the time.  The typical financial advisor is usually focused on one of a few things, investing your money which we call in the industry assets under management, insurance focused, retirement focused which may include ongoing planning and annuities.  We find most advisors are either hyper focused on one thing or are generalist at many things. 

At BetterWealth try to stay in our lane of expertise and tap into our network of experts to bring in a seamless approach of ideal outcomes and results with the best strategies and products.  Our approach is simple, figure out exactly what you are looking for and figure out the best way (our Betterway approach) to make that happen.  Between our in-house team and our in-network experts, we can help you unlock intentional living by bettering your wealth. 

The infinite banking concept is focused more on the banking process and the use of dividend paying whole life insurance policy to make that happen. The And Asset ® focus is on the overfunded and structuring of whole life insurance, which can be used for all kinds of purposes, including Infinite Banking. The Infinite Banking Concept® (IBC) is a personal finance strategy that uses a specially designed whole life insurance policy to create your own private banking system. Instead of borrowing from banks, you borrow against your policy’s cash value, allowing your money to continue growing uninterrupted while you stay in control. IBC helps you: Recapture interest you’d normally pay to banks

Access capital on your own terms

Grow long-term wealth through tax-advantaged compounding

Developed by R. Nelson Nash and popularized in his book Becoming Your Own Banker, IBC is about using a dividend-paying whole life policy to take control of your financing and build a self-sustaining financial system

While a company in itself can’t be a practitioner, BetterWealth has coaches, including the founder Caleb Guilliams, who is an IBC practitioner. We believe if infinite banking is set up and done properly it can be a powerful strategy in helping entrepreneurs and investors better keep, protect and grow their wealth.  If working with a practitioner is important to you make sure to include that in your request when you schedule a clarity call with our team.

The short answer is we specialize in reverse engineering life insurance policies around your goals. Most people come to us wanting a policy that is maximized for cash value early liquidity, long-term cash value growth, and built-in flexibility, along with all the other benefits that permanent whole life has to offer. While Whole life insurance with top-rated mutual carriers is what we write most of our policies, we can set up and review all kinds of life insurance policies with mutual and stock companies. The most important metric for us is will this product best help you accomplish your goals and desires.

Whole life insurance cash value grows through a combination of guaranteed interest, non-guaranteed dividends. The growth comes from a combination of the insurance company's general investment fund minus the mortality expenses that the insurance company has.  Long-term cash value growth varies from designs, ages, health, and goals, but what you will find is our polices will usually grow 2 to 3 times greater than your typical whole life policy with more flexibility and greater long term death benefit. 

Indexed Universal Life (IUL) cash value grows based on market index performance, like the S&P 500, without directly investing in the market. Your cash value earns interest tied to the index, up to a cap and protected by a floor—typically 0%.

The long-term cash value growth of an IUL depends on Your age, health, and funding strategy, The index options selected, Policy structure and fees.

At BetterWealth we primary focus on whole life but if we were to do IUL we would structure it for maximum efficiency, focusing on early cash growth, strong long-term upside, and flexible contributions. We would also show you all the disclosure of the drawbacks or potential cons of using an Universal life chassis so you would feel confident in the long term upside and downside of this product.

Borrowing from a Whole Life Insurance Policy
‍Whole life policies build guaranteed cash value over time. When borrowing: The insurance company lends you money using your cash value as collateral.

You continue to earn dividends and guaranteed interest on the full cash value (depending on the policy design).

Interest is charged, but there is no required repayment schedule—unpaid loans are deducted from the death benefit.

This is how "becoming your own banker" works—you finance your needs while keeping your money compounding.

Use of a Third-Party Lender (Premium Financing or Collateral Loan)
‍Instead of borrowing from the insurance company, you can work with a bank or third-party lender to:Pledge your policy’s cash value as collateral.

Get access to larger sums, especially in high-net-worth strategies.

Often get lower interest rates compared to policy loans.

Keep your policy growing uninterrupted while leveraging external capital.

This strategy is common in premium financing, where a third party funds the premiums and the policyholder repays later, using policy values.

Borrowing in an Indexed Universal Life (IUL) Policy.
‍IULs allow borrowing against cash value too, but the mechanics differ slightly:Borrowed money may affect indexed interest crediting, depending on the loan type (standard vs. participating).

Some carriers offer participating loans (also called wash loans or variable loans), where your loaned amount continues to participate in index growth.

If not structured carefully, borrowing can reduce the policy’s long-term performance or even cause it to lapse if not monitored.

Because IULs don’t have guarantees like whole life, policy design and ongoing review are critical when borrowing.

Yes, we do. We partner directly with our sister company, Dariba, to provide full-service tax strategy, preparation, and filing. This allows us to align your cash flow, income, and insurance plan with a smart, customized tax approach, all working together to help you keep more of what you earn.

Short answer is yes. We have solutions for estate planning solutions for any individual or family thanks to our in - network of experts. 

We make estate planning easy by giving you everything you need in one complete package. This includes a Revocable Living Trust, Last Will and Testament, Pour-over Will, Healthcare and Financial Powers of Attorney, Advanced Directives, Guardianship Documents, Marital Trusts, Holdback and Sub Trusts, and even Pet Directives. You also get unlimited revisions, no monthly fees, and powerful tools like a secure vault, a net worth tracker, an estate plan visualizer, an emergency access system, and an estate tax estimator. It’s a clear, affordable way to protect your assets and take care of the people you love. Our in-house estate planning process is ideal for clients who don’t have a current or future estate tax problem ( right now those limits are $13.61 million for individuals and $27.22 million for married couples).

For clients who want to do some more complex estate and asset protection planning, we connect them to our in-network experts of estate planning attorneys and advisors who specialize in estate planning for HNW and UHNW individuals and families.

Here is a list of the many strategies we offer or could help advise on:
- Term Life Insurance Protection
- Convertible Term Life Insurance
- Whole Life Insurance Design
- Indexed Universal Life (IUL)
- Cash Value Life Insurance for Business Owners
- Bank-Owned Life Insurance (BOLI)
- Corporate-Owned Life Insurance (COLI)
- Split Dollar Agreements
- Buy-Sell Agreement Funding
- Key Person Insurance
- Premium Financing
- Trust-Owned Life Insurance (TOLI)
- Retirement Income Planning with Life Insurance
- College Funding with Life Insurance
- The Infinite Banking Concept (IBC)
- Tax-Free Wealth Transfer
- Life Insurance Reviews & Policy Audits
- Second Opinion Services
- High Early Cash Value Designs
- Custom Policy Structuring for Real Estate Investors
- Life Insurance for Estate Tax Planning
- Second-to-Die (Survivorship) Life Insurance
- Single-Pay MEC Designs
- Charitable Giving with Life Insurance
- Life Insurance for High-Risk or Hard-to-Insure Individuals
- Life Insurance for Business Exit & Succession Planning

Our planning philosophy is simple.  

1. Help identify your desired goal 

2. Help you remove any financial friction getting in the way to accomplishing that goal. 

We accomplish this helping our clients better KEEP their money, PROTECT their assets and family all while they continue to GROW their wealth.

Short answer is it depends. Depending on what country you live in, your financial goal and your financial situation.  With our in network of experts it opens up our ability to offer and serve more people internationally but there can be some limitations. Best scenario would be to schedule a call and see if we can help you or find someone in our network to help.