BetterWealth with Caleb Guilliams Is This the Best Time in History to Own Whole Life Insurance? | Tom Wall
Dec 13, 2025
In this discussion, Tom Wall, a retirement income planning expert and founder of Whole Life Masterminds, shares why now might be the best time in decades to invest in whole life insurance. He compares whole life to indexed universal life (IUL) and emphasizes the importance of guarantees and tax advantages over chasing slight returns. Tom explains the benefits of death benefits and chronic illness riders, and tackles common misconceptions while advocating for higher industry standards. Don't miss his insights on enhancing financial strategies!
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Dividend Season Makes Whole Life Competitive
- Whole life dividends are rising as carriers pass through higher yields from their investment portfolios.
- That makes whole life unusually attractive now as a fixed-income alternative with guaranteed cash-value growth.
Founders' Stories Explain Carrier Durability
- Tom recounts researching insurers' 1800s origins tied to risky frontier work and mutual aid.
- He uses those founding stories to explain carrier permanence and why dividends persist over centuries.
Treat Whole Life As A Long-Term Bond Alternative
- Use whole life as a bond-like sleeve in your portfolio because cash values are guaranteed to rise annually.
- Avoid short-term ownership since early years carry front-loaded expenses and the contract improves over time.