I sit down with a President at OneAmerica, Dennis Martin, to get an inside look at the 145-year-old insurance company and how they approach life insurance and longterm planning. With over 35 years in the industry, Dennis shares what shaped him from a math nerd to leading one of the largest and most successful finances and insurance companies and their underrated strategy with life insurance design. We dive into why they don't reveal their dividends to the public, the truth about whole life insurance, plus, a critical conversation on long-term care planning and why asset-based strategies are becoming the go-to solution for high-income families.

Watch the Video on Youtube for Visuals - https://youtu.be/WY_CWZ2-MWQ

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

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

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

Chapters:

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.

Caleb and Revin ( @LIFE180 ) cover the new IUL strategy making rounds on the internet called, Kaizen. The conversation gets tense as Revin calls out Caleb for interviewing Matt Sapaula and shares his perspective on network marketing, and industry debates.

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

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

Chapters:

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.

I'm joined by Logan Hertz from @HazeltineLLC to review my first debate with Jim Dew on whole life insurance and Infinite banking. Where did Jim and I go wrong in our arguments and will there be a follow up date?

Watch the Video on Youtube for Visuals - https://youtu.be/Z6xheBkvkO8

Want a Whole 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

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

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

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

Chapters:

00:00 - Introduction and Setting the Stage

03:02 - The Importance of Defining Terms

08:21 - Distinguishing Products from Practices

12:09 - Critiquing Jim's Advisory Practices

20:46 - Debating Investment vs. Insurance

26:00 - Assessing the Debate's Impact

31:11 - Looking Ahead to a Potential Part Two

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.

With the US over $39 Trillion in debt, David McKnight (@DavidMcKnight) is predicting a tax day of reckoning coming in 10 years which could result in 50% income taxes and possible changes to traditional retirement plans like Roth's and IRA's. David McKnight lays out exactly how to avoid this impending tax hike with practical strategies, he uses currently to help people pay 0% in taxes.

Watch the Video on Youtube for Visuals - https://youtu.be/6g5a6OQ5uZ8

Want a Whole 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

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

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

Chapters:

00:00 - Introduction and the "Day of Reckoning"

01:04 - 2026 Tax Landscape and Roth IRA Questions

02:28 - The Impact of Permanently Extended Tax Cuts

04:52 - A 10-Year Window for Low Taxes

08:09 - Debunking Criticisms and the National Debt

12:52 - Tax Master Class: The Future of Roth IRAs

16:42 - How the Government May Raise Revenue

18:13 - Strategies for Younger Investors and Retirees

21:13 - Determining Your Roth Conversion Strategy

23:57 - The "Sweet Spot" for Tax Brackets

27:31 - The Role of the Standard Deduction

30:19 - Why Advisors May Disincentivize Roth Conversions

34:31 - The "Print Your Way Out" Argument

37:30 - Life Insurance as a Volatility Buffer

38:32 - Rethinking the 4% Rule

46:42 - Addressing Misconceptions About Life Insurance

48:44 - The Benefits of Reverse Mortgages and Annuities

53:51 - A Question for Dave Ramsey

58:57 - The Luxury of Nuance in Financial Advice

01:01:05 - Final Warnings and the "Temporary Permanent" Tax Cut

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 do the ultra-wealthy actually do to minimize taxes, build wealth, and protect their legacy? In this interview, I sit down with Toby Mathis ( @TobyMathis ) from Anderson Business Advisors to break down the real (and simple) strategies high-income earners and investors are using. We talk through why HSAs might be one of the most overlooked tax tools, how the “buy, borrow, die” strategy actually works, and the truth behind paying "zero in taxes". We also get into why diversification matters more than chasing trends, how to automate your investing for long-term growth, and how to start thinking about legacy planning, no matter where you’re at financially.

Watch the Video on Youtube for Visuals - https://youtu.be/9RXthy7wNgI

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

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

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

Connect with Toby: TAP Registration: https://aba.link/6dda02

Free Emergency Binder (Digital): https://aba.link/8f3036

Emergency Binder (Physical copy): https://aba.link/e0ad9a

Chapters:

01:21 - Introduction

02:14 - Toby Mathis’s Backstory

05:48 - Principles of Wealth: Make, Keep, and Grow

09:14 - Financial System: The 70/30 Rule

11:48 - "401k Millionaires" Through Discipline

14:24 - Why entrepreneurs often struggle as investors due to risk-taking tendencies?

16:59 - Impact of Legacy Planning

19:26 - Legacy Through Trusts

26:34 - Understanding Tax Planning

31:46 - Tax Strategies VS Those That Are Mostly "HYPE"

37:21 - S-Corps and C-Corps

39:32 - Wealth-Building Assets

46:13 - Toby’s 30/30/30/10 Rule for Portfolio Diversification

48:41 - "Buy, Borrow, Die" Strategy

53:52 - Asset Protection and Maintaining Financial Privacy

58:52 - Living Trust VS Standard Will

01:01:11 - Emergency Binder

01:03:00 - Why being overly public about your finances can lead to increased legal target risks?

01:06:20 - 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 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 IBC with Security Mutual secretly the best choice? In this videos, Caleb Guilliams and Alden Armstrong review Security Mutual Life Insurance Company for Infinite Banking, breaking down the companies ratings, dividend performance, best policy designs, pros and cons, and more!

Watch the Video on Youtube for Visuals - https://youtu.be/K9byidued4w

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

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

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

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

Timestamps:

00:00 - Introduction to the Security Mutual Video

01:08 - Security Mutual Company Strengths and History

01:46 - Key Metrics: Dividends, Lapse Ratio, and Ratings

02:51 - Non-Direct Recognition and Interesting Fact

04:50 - Loan Ratio Comparison

05:34 - Security Mutual's Company and Ratings

07:31 - Security Mutual's Strong IBC Positioning

08:49 - Comparison of Cash Flow and Frontload Designs

09:29 - Cash Flow Design Overview

10:10 - Cash Flow Design: 40-Year-Old Male Illustration

12:24 - Front-Loaded Design Overview

14:35 - Cash Value Access and Loan Provisions

16:48 - Policy Repayment Limits and IBC Niche

17:17 - Paid-Up Additions (PUA) Flexibility and Riders

20:10 - Discussion on Optimal PUA Strategy for IBC

21:46 - Advantages of Security Mutual

24:04 - Ratings and Liquidity Risk

27:04 - Compensation, Support, and Complexity

28:29 - Key Takeaways and Conclusion

30:34 - Free Gift: The IBC Company Guidebook

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.

James Barber from @OregonCashFlowPro challenges me on the math from my debate with @ChrisNaugle on bank loans vs policy loans. What James' found when he ran the numbers was surprising to us both.

Watch the Video on Youtube for Visuals - https://youtu.be/3AAX1WfFzuY

Watch James vs Chris Kirkpatrick | IUL Debate - https://youtu.be/gQKsAwSP4lI?si=FoP3vMovOcRf-zgw

Want a Whole 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

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

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

Timestamps:

00:00 - Introduction and Initial Thoughts on Loan Debate

03:44 - Spreadsheet Breakdown: Principal and Interest Payments

10:38 - APR vs. Stated Interest Rates

20:51 - Opportunity Cost and Storing Equity

23:52 - Analyzing the 6% Life Insurance Loan Scenario

30:28 - Third-Party Lenders and Loan Convenience

33:25 - Mindset: Liquidity, Control, and the "Own Your Own Banker" Concept

41:26 - Amortized, Simple, and Compound Interest

56:44 - Framework for Policy Use and "Dynamic Banking"

01:04:11 - Risks of Lines of Credit and Bank Liquidity

01:08:08 - Final Thoughts on Education and Industry Transparency

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.

Author Barry James Dyke exposes how Wall Street is targeting life insurance companies—and putting everyday Americans’ savings at risk. Using real examples, including the collapses of Phoenix Life and Ohio National, Barry reveals how private equity firms manipulate debt, reserves, and regulations—often with taxpayer support—leaving policyholders and retirees exposed. He also explains what individuals can do today to protect their wealth and retirement from these growing threats.

Watch the Video on Youtube for Visuals - https://youtu.be/EqGOaSpayO4

Want a Whole Life Insurance Policy to Protect Your Retirement? Go Here: https://bttr.ly/bw-yt-aa-clarity

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

Connect with Barry: https://www.barryjamesdyke.com/

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

Timestamps:

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.