Is IBC with Ameritas a good choice? In this videos, Caleb Guilliams and Alden Armstrong review Ameritas Life Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!

Watch the Video on Youtube for Visuals - https://youtu.be/akA5o9eVIZk

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn More About BetterWealth: https://betterwealth.com

00:00 Introduction and Ameritas Overview

00:44 Ameritas Ratings and Key Numbers

06:08 Ameritas and the Infinite Banking Concept (IBC)

07:45 Cash Flow Designs

15:15 Front Load Designs

20:52 Access to Cash Value and Loan Flexibility

27:14 Paid Up Additions (PUA) Rider

33:54 Additional Ameritas Product Features

36:28 Advantages of Ameritas

38:03 Considerations for Ameritas

41:45 Agent Perspective and Conclusion

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.

Was I Wrong About The Infinite Banking Car Loan Debate? John Hutch from Banking Truths (@bankingtruths) joins Caleb Guilliams to discuss the recent debate between him and Chris Naugle over bank vs policy loans for cars. Hutch presents his new calculator to determine which is more favorable for saving money and for longterm wealth creation in their whole life insurance policies.

Watch the Video on Youtube for Visuals - https://youtu.be/bfI84QWKxB4

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn More About BetterWealth: https://betterwealth.com

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.

Trent Fortner, a 40+ year veteran in the life insurance and wealth planning space gives an 89 minute masterclass on how life insurance, if incorporated properly can completely reshape your financial plan and wealth building strategies. Trent lays the groundwork and dives into the numbers with his calculators to prove that a financial plan without life insurance can't compete with one that does.

Connect with Trent: https://trentfortner.com

00:00 Intro

00:44 Introducing Trent Fortner

01:39 Returning to Basics & Overarching Planning

02:07 LEAP and Infinite Banking

03:47 Working with Nelson Nash in the 1990s

06:26 Power of Life Insurance & the LEAP Process

06:45 Problem with Product-Centric Planning

07:33 Dr. Wade Pfau & Non-Correlated Assets

08:57 Risks of Indexed Universal Life (IUL)

12:23 Holistic Planning

15:32 LEAP Present Plan Model

21:41 Client Choices After Discovery

22:50 Addressing the “Cost” Objection

24:39 Compounding Taxes

33:24 Impact of Losses on Savings

39:08 Taxes Are a Complete Loss

44:36 Flattening Taxes

48:53 Adding Benefits with Permanent Life Insurance

49:39 Compounding vs. Whole Life Insurance

56:42 Life Insurance vs. High-Yield Savings Account

01:03:01 Rich on Paper vs Rich In Real Life

01:06:52 Ways to Use Permanent Life Insurance

01:11:37 Gains, Advantages, Risks

01:22:04 Final Thoughts

Watch the Video on Youtube for Visuals - https://youtu.be/vG8jaEDRDPQ

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Learn More About BetterWealth: https://betterwealth.com

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.

Learn how to uplevel your infinite banking from 1.0 to 3.0. Caleb Guilliams sits down with Barry Brooksy, a financial advisor from @InsuranceandEstates , and the author of Live Rich, Die Rich. They walk through the correct type of life insurance policy needed for infinite banking and the exact reasons you should utilize your whole life insurance as a private bank, not only for building wealth while you're alive but leaving generational wealth for years to come.

00:00 Introduction

01:01 Barry Brooksby's Introduction and Backstory

03:29 Variable Universal Life (VUL) and Market Volatility

05:12 High Cash Value Whole Life Insurance

05:49 Barry's Book: Live Rich, Die Rich

11:42 Guaranteed Investment: Whole Life Benefits

13:34 True Diversification vs. Market Diversification

15:05 Whole Life vs. IUL/VUL Debate

20:49 True Rate of Return of Whole Life Insurance

23:57 Three Major Problems with IUL/VUL

29:43 Flexibility in Properly Structured Whole Life Insurance

32:20 Infinite Banking 1.0, 2.0, and 3.0 Explained

38:29 Car Loans vs. Policy Loans

43:55 Risk of Paying Off Your House Early

48:46 Tracking Policy Loans and System Flow

51:52 Using Bank Financing and Policy Loans for Real Estate

53:01 Vetting Deals and Real Estate Investing Mistakes

59:51 Myth That Life Insurance Companies Keep Your Cash Value

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Read

Barry's Book: https://a.co/d/0209kpOi ______________________________________________

Learn More About BetterWealth: https://betterwealth.com

====================

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.

In this video, Caleb Guilliams and Alden Armstrong review infinite banking with One America Life Insurance Company. What are the best policy designs for Infinite Banking, as well as breaking down the company’s COMDEX ratings, dividend performance, pros and cons, and more!

Watch the Video on Youtube for Visuals - https://youtu.be/cVrUUEvVJnc

Want the IBC Company Guide Book? Click Here: https://bttr.ly/ibc-guide

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

Learn More About BetterWealth: https://betterwealth.com

00:00 Introduction and Company Overview

02:35 Financial Strength and Performance

06:33 One America Positioning for IBC

08:52 Whole Life 95 - Cash Flow Design

15:45 Whole Life 95 - Front Load Design

21:03 Access to Cash Value and Loans

22:45 PUA Flexibility

25:51 Long-Term Care Rider

27:26 Advantages and Considerations

32:28 Agent Overview

34:29 Conclusion

====================

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.

Debt expert, Chris Miles, critically examines Dave Ramsey's 7 Baby Steps and explains why paying off your home early can backfire on your wealth, especially when it comes to liquidity, flexibility, and long-term risk. Drawing from real-world experience, past recessions, and opportunity cost, we explain how this step can trap cash, increase vulnerability, limit future options, and sabotage your wealth, even for disciplined savers who “did everything right.”

Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Watch the Full Interview: How to Use Infinite Banking to Build a Real Estate Empire | Chris Miles https://youtu.be/P2hCKhL1M_k

00:00 Introduction

00:08 Baby Step 1: $1,000 Emergency Fund

00:33 Baby Step 2: Pay Off Debt (Snowball Method)

01:11 Cash Flow Index Method and High-Yield Savings

03:09 Baby Step 3: Save 3 to 6 Months of Expenses

04:11 Modified Steps 2 and 3

05:00 Baby Step 4: Invest 15% of Household Income

06:52 Baby Step 5: Save for Children's College

09:18 Baby Step 6: Pay Off Your Mortgage

09:57 Experience with Home Equity

11:02 Trapped Money and Penalties

12:11 Baby Step 7: Build Wealth and Give

14:14 Dave Ramsey's Net Worth and Investment Strategy

18:32 Investing in Your Greatest Asset

Learn More About BetterWealth: https://betterwealth.com

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.

In this interview, Matt Sapaula @7figuresquad (Patrick Bet-David’s protégé and a long-time insurance leader) sits down to address the biggest flashpoints in the life insurance world, IUL vs. whole life, MLM controversies, Kyle Busch's “scam” headline, and what actually matters for how policies are designed. They go deep into living benefits, and the importance of protecting income from future disasters.

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 Introduction

01:25 Speaker's Partnership With Patrick Bet-David

02:11 Why did the speaker choose the insurance business?

03:34 Marines, Divorce and Bankruptcy

06:38 "Once in a generation leader."

07:15 What is Life Insurance?

09:08 Is life insurance a terrible investment?

09:19 Capital preservation tool

10:52 Analogy of a smartphone

12:03 Life insurance as a tool

15:42 Wealth Framework and Financial Philosophy

20:14 Paying off a house vs. Having it "paid for."

20:34 Why paying off a house too quickly is risky?

21:15 Theory, witnessing, and application

22:50 Starting an insurance career part-time

24:53 Explanation of living benefits

27:35 Term vs. Permanent and IULs

30:04 Cost of term insurance

32:03 Life insurance and tax-free cash flow

33:32 IUL versus whole life

35:15 Upside Potential of IULs

37:08 Why has the speaker not been under stress in his 27 years in the insurance business?

38:16 Universal life chassis

41:56 Concerns about agents manipulating IUL

43:05 Infinite Banking and the Backlash on IULs

44:20 Policy loans for big purchases

46:10 The Kyle Busch incident

47:50 "SCAM" term is overused to describe IULs

Learn More About BetterWealth: https://betterwealth.com

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.

Credit Card Expert Eli Facenda shows how entrepreneurs can turn everyday business expenses into first class flights and luxury hotels using these credit card point hacks. He breaks down how to unlock 700,000-points with a special 400,000 bonus and also covers how paying payroll, rent, life insurance premiums, and potentially mortgages with these credits cards, can become a tax-efficient way to fund unforgettable travel experiences.

Access All of Eli's Free Resources - https://www.freedomtravelsystems.com/betterwealth

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 Introduction

01:04 Eli Facenda | CEO at Freedom Travel Systems

01:34 New Credit Card Strategy

02:20 Getting $30,000 in Value in 60 Seconds

02:42 Four Buckets of "Points People"

06:04 How to Achieve the $30,000 Return with the Capital One Venture X Business Card

08:25 Analyzing Fees for Using Credit Cards for Payroll and Mortgage

10:49 Tax Benefit of Credit Card Points

17:40 Points Arbitrage Without International Travel

19:38 Other Recommended Cards and 2026 Bonuses

24:45 The Hilton Black Market Points Story

28:33 Gifting Points to Employees and Friends

31:00 Thoughts on the Built Card for Rent and Mortgage Payments

37:16 Script for Hacking Hotel Upgrades

42:02 Purpose of Experiential Wealth and Five Regrets of the Dying

48:00 Experiential Millionaire Framework

52:08 Final Thoughts

Learn More About BetterWealth: https://betterwealth.com

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.

Is infinite banking with Mass Mutual a good company for infinite banking? In this video, Caleb Guilliams and Alden Armstrong review Mass Mutual Insurance Company for Infinite Banking, breaking down the companies COMDEX ratings, dividend performance, best policy designs, pros and cons, and more!

Want the IBC Company Guide Book: Click Here: https://bttr.ly/ibc-guide

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 Introduction

01:00 Mass Mutual Company Overview

01:37 Financial Strengths and Performance

03:32 Loan Recognition and Ratings

05:07 IBC Positioning

09:39 Product Lineup

10:20 Cash Flow Strategy Illustration

16:56 Front-Loaded Strategy Illustration

21:33 10 Pay Product Illustration

23:49 Accessing Cash Value and Loan Features

27:06 Paid-Up Additions (PUA) Riders

28:23 ALIR PUA Rider: The All or Nothing Rider

32:43 PALIR PUA Rider: Planned Additional Life Insurance Supplement

36:09 Additional Features: New York Availability, Survivorship, and Long-Term Care

37:51 Pros and Cons/Agent Perspective

45:06 Conclusion

Learn More About BetterWealth: https://betterwealth.com

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.

What’s the best way to design an infinite banking policy? In this video, Brent Kesler, founder of The Money Multiplier, joins Caleb Guilliams to break down whole life insurance designs for infinite banking, specifically comparing 40/60 vs 80/20 policy structures and Nelson Nash's original intentions. The discussion also includes a debate on term riders, when they help, when they hurt, and how they affect infinite banking strategies over time.

Watch the First Interview with Brent where he explains how he paid off $1M in debt in 2 years - https://youtu.be/cHTmpSU-nzQ

Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity

Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review

00:00 Introduction

01:50 Infinite Banking and Debt Payoff Strategy

02:07 Changes to Infinite Banking

03:30 The "Nelson Plan" (40/60)

04:12 Policy Design Philosophy: Base, PUA, and Term Riders

05:01 Long-Term Efficiency and Base Premium

05:57 MEC Limit and Term Riders

06:59 Base, PUA, and Term Riders Definitions

12:00 Higher Base vs. More PUA

18:25 Flexibility in PUA Riders

19:19 Starting Additional Policies

20:40 Rule of Maximizing Current Policies

23:07 Adjusting Premiums on Multiple Policies

27:19 Minimum Premium and Income Ratio

28:34 The "10 Times Your Age" Rule

29:27 Tax Liability

35:46 Death Benefit, Rate of Return, and Financial Mindset

38:03 Internal Rate of Return (3.5% to 5%)

39:45 Actual Rate of Return vs. Average Rate of Return

42:28 The Value of Convertible Term Insurance

43:36 Human Life Value vs. Starting Small Whole Life Policy

47:14 Life Insurance as the Only Guaranteed Payout Insurance

48:53 Buying Cars and Using Other People's Money

49:18 Separating Policy Growth

51:54 Using Bank's Money for Investments

54:34 Danger of Using Banks if Undisciplined

Learn More About BetterWealth: https://betterwealth.com

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.