The And Asset Show

Caleb Guilliams
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  • Business
  • Updated Daily

The And Asset

  1. 3d ago

    Ranking the Top 10 Whole Life Companies for PUA Flexibility

    See how 10 of the top whole life insurance companies rank for paid-up additions (PUA) flexibility. Caleb Guilliams sits down with BetterWealth product expert Alden Armstrong to compare every carrier on three features: anytime payments, catch-up provisions, and PUA step downs.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/aa-yt/X0eN2TRaFxsWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/aa-yt/X0eN2TRaFxsWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/aa-yt/X0eN2TRaFxsChapters:00:00 Introduction and Trailer02:10 The 3 Flexibility Tiers Explained02:33 The PUA Trifecta: 3 Must-Have Features04:59 Which PUA Feature Matters Most06:03 #1 Penn Mutual: Full Catch-Up Provision08:50 #2 Foresters: 10-Year Look Back10:47 #3 One America: Rider Never Expires13:42 #4 Lafayette Life: 7-Year Average Cap14:55 #5 Pan American: No Catch-Up Provision16:58 #6 Guardian: Step Down After Year 1019:38 Why a Larger Base Premium Can Pay Off21:55 #7 Ameritas: Forced Step Down Schedule25:09 Why Ameritas Fits Short Pay Designs26:37 Funding One Policy vs Buying Another27:24 #8 Security Mutual: The 75-125% Corridor29:53 How the Carrier Rankings Were Decided32:51 #9 New York Life: Punishing Step Down35:49 #10 MassMutual: ALIR and PALIR Rules38:24 Why Clients Still Choose MassMutual41:26 Full Top 10 PUA Flexibility Ranking42:54 The Policy Loan PUA Loophole46:37 Case Study: Loan to Max Fund PUAsLearn More About BetterWealth: https://betterwealth.com/home/aa-yt/X0eN2TRaFxs====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

  2. Oct 7

    This Life Insurance Policy 5x'd Our Client's Inheritance

    See how a whole life policy can multiply an inherited lump sum into a larger guaranteed legacy with minimal market risk. In this case study, Caleb Guilliams sits down with wealth coach Austin Williams to compare a life insurance strategy against investing the inheritance at a static rate of return.Want to See If Whole Life Insurance Makes Sense for You? Click Here:https://betterwealth.com/go/aa-yt/-dffIwyVzXgWant Us To Review Your Permanent Life Insurance Policy? Click Here:https://betterwealth.com/review/aa-yt/-dffIwyVzXgWant Free Whole Life Insurance Resources & Education? Go Here:https://betterwealth.com/vault/aa-yt/-dffIwyVzXgChapters:00:00 Introduction and Trailer01:08 The Client's Goals and Risk Aversion03:05 Why He Skipped a Survivorship Policy03:39 Keeping Death Benefit Level for Life04:27 Building an AI Comparison Calculator05:27 Death Benefit vs Cash Value Priority06:06 The Inputs: Inheritance and Premium06:45 Funding 20 Years, Then Premium Offset09:08 Why We Used a 7% Static Return10:12 20 Years: $5.7M vs $3.71M Estate12:36 The Break-Even Return: 12% Every Year14:12 25 Years: The Gap Starts Closing15:05 Year 30: When Investing Pulls Ahead16:26 Reading the Cash Value and Equity Lines17:15 Juicing Returns With a Policy Loan17:44 The Value of Liquidity in a Downturn19:13 Permission to Spend and Take More Risk20:26 He Who Has the Gold Makes the Rules21:37 Who This Legacy Strategy FitsLearn More About BetterWealth: https://betterwealth.com/home/aa-yt/-dffIwyVzXg====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

  3. Sep 28

    We Compared Term Life Insurance From 4 Major Companies

    We Compared Term Life Insurance From 4 Major Companies To See Which Is Best. Caleb Guilliams and Demetrius Walker analyze Penn Mutual, Lafayette Life, MassMutual, and Guardian and give a step-by-step breakdown of how to integrate convertible term life insurance into a broader financial strategy.

    We Compared Term Life Insurance From 4 Major Companies

  4. Sep 18

    We Tested a 20-Year-Old Whole Life Insurance Illustration (Penn Mutual Case-Study)

    Life Insurance Agents Test the Actual Vs Illustrated Results of a 20-Year-Old Whole Life Insurance Illustration from Penn Mutual. Austin Williams walks Caleb Guilliams through the surprising difference between the illustrated vs actual policy.   Chapters: 00:00 Introduction 02:47 20-Year Penn Mutual Case Study 06:34 Original Vs. Current Inforce 14:32 Modern Policy Design Comparison 25:00 Overfunded Policy Design Comparison 31:20 Dividend Interest Rate Context Correction 36:08 Lafayette Life 6-Year Review 41:41 Summary and Final Thoughts

  5. Sep 10

    How To Keep Your Best Employees Using Life Insurance (6 Non-Qualified Plans)

    Learn how to keep your best employees with these 6 non-qualified plans using life insurance. Often referred to as "Golden Handcuffs", life insurance experts Alden Armstrong and Caleb Guilliams break down the 6 strategies you can use to make sure your best employees are incentivized to stay in your business while also giving you tax advantages.

  6. Aug 26

    We Compared Whole Life Insurance Company Loans (Rates, Dividends, Direct vs Non-Direct)

    Comparing how whole life insurance policy loans work and perform between Penn Mutual, Lafayette Life, Guardian, and MassMutual. We cover interest rates, direct vs. non-direct recognition, how borrowing can impact your policy, and two real-world examples of policy loans being used effectively and poorly. Most importantly, we discuss what you need to understand before borrowing against your life insurance policy.

    We Compared Whole Life Insurance Company Loans (Rates, Dividends, Direct vs Non-Direct)

  7. Aug 22

    The ENTIRE Dark History of Life Insurance (300BC - Present Day)

    This is the entire untold (dark) history of life insurance from the roman empire (300BC) to present day. Life Insurance expert and history buff, Austin Williams walks through the major events that shaped the modern life insurance industry and policy. From religion, politics, and tragedy, to fraud, gambling, and organized crime, life insurance has a fascinating history of development that little to no one truly knows, until now.

    The ENTIRE Dark History of Life Insurance (300BC - Present Day)

  8. Aug 6

    How We Cut a $165,000 Tax Bill to Just $6,000 | The Cash Balance Plan Strategy

    What if you could significantly reduce your tax bill while building long-term wealth with life insurance? In this video, Caleb Guilliams and Alden Armstrong break down how cash balance plans work through three real client case studies. You'll learn who these strategies are designed for, how high-income business owners can use them to reduce taxes, where whole life insurance fits into the plan, and the key considerations before deciding if a cash balance plan is right for you.

    How We Cut a $165,000 Tax Bill to Just $6,000 | The Cash Balance Plan Strategy
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Ratings & Reviews

5
out of 5
3 Ratings

About

The And Asset

Information

  • Creator
    Caleb Guilliams
  • Years Active
    2025 - 2026
  • Episodes
    93
  • Rating
    Clean
  • Copyright
    © Caleb Guilliams
  • Show Website
    The And Asset Show

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