Is it too late to use life insurance after 60? The And Asset Show #22, features Caleb Guilliams, Dom Rufran, and retirement expert, Justin Gartman to answer a real life case study about a 62- & 63-year-old couple who wants to pay off a $1M mortgage, improve retirement income, and leave a legacy for their kids.They walk through side-by-side case studies to show how permanent life insurance can help them achieve those goals, and how repositioning assets with life insurance and annuities could create a meaningful 50% “pay raise” in retirement.Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset00:00 Introduction00:19 Answering the Question: Am I Too Old for Life Insurance?01:08 Guest Introduction: Justine Gartman02:11 Dom's Framework for Addressing Age and Life Insurance04:24 Bob Castalone's Philosophy on Efficiency06:29 Whole Life Policy for Pure Death Benefit09:57 Survivorship Policies11:43 Guaranteed Universal Life13:03 High Cash Value Policy17:41 Addressing Insufficient Retirement Savings and Assets19:40 Volatility Buffer Strategy21:34 Power of Blending Assets for a "Pay Raise"27:12 Infinite Banking for Adult Kids28:02 Strategy of Single Pay MEC Policy29:52 Conclusion and Final Thoughts======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn how to ultra-wealthy can reduce estate taxes by up-to 50% less and transfer their wealth across multiple generations using the intergenerational split dollar strategy. Alden Armstrong is joined by Jason Prather & Jay Cavanagh to walk through step-by-step this advanced tax and life insurance strategy.

In this debate recap, Caleb and Dom cover all of the main talking points in the debate between Caleb Guilliams and Jim Dew on whole life insurance and infinite banking. Where did it go well and which areas he should have done differently.

Watch the Debate: Part 1 - https://youtu.be/R_VUD5n-Oo8?si=sifFWI2a9KLqVN5fPart 2 - https://youtu.be/ME86h7yy1bM?si=tyDBtHoqeDzy-QER

00:00 Introduction

00:09 Discussion of the Debate with Jim Dew

03:08 Post-Debate Reflections and Regrets

05:57 Dom Rufran's Perspective and Industry Generalization

07:12 Idea of a Part Two Debate

11:06 Jim Dew's Talking Points

16:22 Jim Dew's Take on Infinite Banking

22:42 Debate on Commissions and Fees

25:59 Commentary on the Insurance Industry's Backward Incentives

28:50 Addressing a Viewer Comment

31:44 Closing

Caleb goes behind the scenes with Tom Wall, the founder of Whole Life Masterminds and the host of the Fast Start Forum. They discuss the speaker highlights and biggest moments from the event as well as the future of the industry and what needs to change.

Buy Your Tickets to the 2026 Life Insurance Summit! Click Here: https://betterwealth.com/summit Subscribe to Tom's New Channel - ‪@tomwall‬ ====================== 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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Have you ever wondered which side of a policy illustration is most accurate, guaranteed or non-guaranteed? Isn't it obviously the guaranteed side, and why do agents always show the non-guaranteed side instead? In this video, Austin Williams explains the differences between them and why the way most people understand illustrations are wrong.

Justin Gartman breaks down how whole life insurance can be used as a flexible college funding tool alongside 529 plans. Using a real family example, we walk through how cash value life insurance can provide liquidity, control, and stability when tuition bills arrive. This video covers using policies on parents, children, or even grandchildren, without giving up your investments or other savings accounts.

Caleb and Dom give their honest perspectives on MLM life insurance companies and how they impact the industry. In particular they focus on Patrick Bet David's company, PHP Agency. Caleb gives a behind the scenes look from his upcoming interview with Matt Sapaula, a friend of PBD's and leader at PHP.

00:00 Introduction

00:39 The Hosts and Life Insurance Agency Models

03:09 Network Marketing in the Insurance Space, PHP, and Matt Sagula

06:37 Behind the Scenes of the Interview with Matt Sagula

09:47 Matt Sagula's Framework

12:15 Stigma and Advantages of Network Marketing

15:22 Dominic's Thoughts on PHP and the Network Marketing Model

20:01 Business Opportunity Focus

21:42 Challenges of Selling Financial Products

26:45 Size and Culture of PHP

33:15 IUL Preference and Arguments Against Whole Life

34:34 Q&A: What Situation Would an IUL Make Sense?

38:43 Q&A: IUL as an Alternative to a HELOC or 401(k) Loan?

40:39 Q&A: Policy Loans, Repayment, and Arbitrage

48:58 Q&A: Why Are You Showing Non-Guaranteed Illustrations?

52:03 Conclusion

It's common practice to use non-direct recognition whole life insurance but is it the best policy to use for infinite banking? In this video, Demetrius Walker shows a real case study comparing Direct vs Non-Direct Recognition policies between Penn Mutual and Lafayette Life Insurance Companies. The answer may surprise you.

Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Learn exactly what all of the life insurance health ratings are and how they will impact your policy performance.

Want Whole Life Insurance? Click Here To Meet Our Team: https://bttr.ly/aa-yt-clarity Want Free Life Insurance Education & Resources? Unlock the Vault: https://bttr.ly/yt-aa-vault Learn More About the And Asset: https://bttr.ly/andasset======================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 information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Life insurance is often framed as boring, simple, or something you “set and forget.” The reality is that its use case can be much more versatile than one might think.

• Corporate-Owned and Bank-Owned Life Insurance
• Life insurance is used in unethical and illegal schemes
• Business buy-sell agreements and partner protection
• Using cash value for business operations and liquidity
• Estate planning, inheritance equalization, and trusts
• Life insurance as collateral for bank loans
• Family banking and generational wealth strategies
• Common criticisms of whole life insurance and how we think about them

In this episode of The AND Asset, Dominic Rufran and Caleb Guilliams delve into 20 dark, unethical, and strategic ways life insurance has been utilized throughout history, from corporations and banks to families, businesses, and even criminal activity.Important disclaimer: This conversation is educational and historical in nature. We do not endorse or encourage unethical or illegal behavior. Our goal is to examine how life insurance has been used both responsibly and irresponsibly, in order better to understand its power, utility, and potential when properly structured and applied.In this episode, we discuss: