The And Asset Vault
The calculator, the book, the audiobook and the crash course on whole life insurance designed for cash access. Understand it, run your own numbers, then talk to a specialist when you are ready.
Five things, one place
Built so you can understand how a cash value rich life insurance policy can benefit you.
The Whole Life Designer
CalculatorStart herePut in your age, your health and what you would contribute each year. Move the slider between base premium and paid-up additions and watch the cash value change year by year, guaranteed and non-guaranteed.
The And Asset handbook
BookThe strategy in writing, so you can check a claim in ten seconds instead of scrubbing back through a video looking for where it was said.
The And Asset audiobook
AudioThe same book read aloud, for the drive.
The crash course
Short lessonsThe words agents use, explained one at a time: base premium, paid-up additions, guaranteed versus non-guaranteed. The vocabulary is most of the fight.
The Numbers Explained
GuideA traditional design and an overfunded one side by side, and what every line on an illustration means.
The designer is an educational estimate built on illustrative assumptions, not a carrier illustration. A specialist runs the real one with you.
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.
Read them on Google · Individual results vary. Nothing here is a guarantee of any specific outcome.
Three steps
Ask for it
Your name, email and phone number. That is the whole form.
The vault opens
You land on the vault page with all five, plus a 15-minute masterclass on the strategy.
Run your numbers, then talk to us
Put your situation into the designer. When you are ready, book a discovery call and a specialist builds the real design around your numbers.
The design decides what you get. Not the company on the front.
Two policies from the same carrier, funded with the same money, can look nothing alike. One has most of your money available as cash early. The other has almost none of it for years.
The difference is how much of the premium goes to the base policy and how much goes to paid-up additions. That is the whole secret, and it takes one sentence to say.
Commission follows the base premium, so a typical design can pay the agent several times more than one built for cash access. We design for cash access. It costs us money on every policy, and it is why we want you to see the numbers before you sit down with us.
Common questions
What does it cost?+
Nothing. You give us your name, email and phone number, and the vault opens.
What happens after I fill in the form?+
The vault opens on the next page with all five, plus the masterclass video. After that you get our weekly note, the same one our YouTube subscribers get, and one click at the bottom of any of them takes you off the list. When you want to talk to a person, book a discovery call from this page or from the vault.
How do you get paid?+
Commission from the insurance company when someone buys a policy through us. Worth knowing: a typical whole life policy can pay the agent several times more than one designed for cash access, because the commission follows the base premium. We design for cash access. That choice costs us money on every policy, and it is the reason the calculator is free and the numbers are yours to check.
Does the designer give me a real quote?+
No. It is an educational estimate built on illustrative assumptions, not a carrier's illustration. Real numbers depend on your age, your health, the carrier and how the policy is built. It shows you how the shape changes when the design changes. A specialist runs the real illustration with you on a call.
I already own a policy and I think it was built badly.+
The Numbers Explained is the part to read first. It walks through an illustration line by line so you can see what yours is doing. If you would rather have someone read it with you, ask for a free policy review and a specialist goes through the real numbers, including the times the answer is that your policy is fine and you should leave it alone.
What is The And Asset, in one sentence?+
Whole life insurance deliberately overfunded so that most of your money is available as cash value early, instead of most of it going to the death benefit and the commission.
Who is this not for?+
Anyone who needs the money back inside a year, anyone shopping for the cheapest term quote, and anyone hoping to beat the stock market with it. This is for money you are setting aside every year and refuse to gamble.
Run your numbers, then talk to us
Take the designer, put your own number in, and see whether it holds up. When it does, book a discovery call and a specialist builds it around your real situation.