Run the numbers yourself, before you talk to anybody
The calculator, the book and the crash course on overfunded whole life insurance. We built them so you can check the math on your own, at your kitchen table, with nobody sitting across from you waiting for an answer.
- The And Asset Calculator
- The And Asset handbook
- The And Asset audiobook
- The crash course
- The Numbers Explained
You maxed everything and the system ran out of answers
The 401(k) is maxed. So is the backdoor Roth, and the HSA. There is money left over every year and the next dollar gets taxed at the top rate, then faces one of two bad options: full market risk, or a savings account that quietly loses to inflation.
So the money sits. A hundred thousand in checking between deals. Two hundred thousand waiting on a decision you have been putting off for eight months, because every person who has explained the alternative to you gets paid when you say yes.
And when someone does explain it, half the words are ones you have never heard. Base premium. Paid-up additions. Non-guaranteed. You leave the meeting knowing less than when you walked in, which is exactly the feeling that makes a careful person walk away.
The design decides everything. Not the company on the front
Two policies from the same carrier, funded with the same money, can look nothing alike in year one. One has most of your money sitting there as cash you can borrow against. The other has almost none of it, and you wait five years to see your own money again.
The difference is how much of the premium goes to the base policy and how much goes to paid-up additions. That is it. That is the whole secret, and it takes one paragraph to say.
Here is why you rarely hear it. Commission follows the base premium, so a typical policy can pay the agent several times more than one built for cash access. We design for cash access. That choice costs us money on every single policy, and it is the reason we hand you the calculator instead of a meeting.
What you actually get
The And Asset Calculator
Put your own age and your own number in and watch what a policy designed for cash access does to the first year. Most people have only ever seen someone else's example.
The And Asset handbook
The written version, so you can check a claim in ten seconds instead of scrubbing back through a video looking for the part where it was said.
The And Asset audiobook
The same book read out loud, for the drive. Two hours and you can hold your own in the conversation.
The crash course
Short lessons on the words agents use: base premium, paid-up additions, guaranteed versus non-guaranteed. The vocabulary is most of the fight.
The Numbers Explained
A traditional design and an overfunded one side by side, what the internal rate of return on each actually is, and what every line on an illustration means.
Reviews of our teaching, published in full at betterwealth.com/reviews. None of them is a client result.
A word on the calculator, because it matters. What it produces is an illustration, which is a projection built on the numbers you type in. Your real numbers depend on your age, your health, the carrier and how the policy is structured, and illustrated values are not guaranteed. It is there to show you how the shape changes when the design changes.
Check our work
Take the calculator, put your own number in, and see whether the math holds up. If it does and you want a person to build it around your actual situation, there is a call for that. If it does not, you have lost an email address and gained an afternoon of understanding something most people never get straight.
Questions we get about this
What does it cost?+
Nothing. You give us an email address and we send the links to it.
What happens after I put my email in?+
You get one email with the vault in it. After that you get our weekly note, the same thing our YouTube subscribers get, and one click at the bottom of any of them takes you off the list. If you want to talk to a person there is a link on this page to book a call. That is the whole sequence.
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 calculator give me a real quote?+
No. It gives you an illustration, which is a projection based on what you type in. Real numbers depend on your age, your health, the carrier and how the policy is built, and illustrated values are not guaranteed. It is there so you can see how the shape changes, not so you can sign something.
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 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 going to help?+
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.