The Lifestyle Investor - Investing, Passive Income, Wealth

232: Whole Life Insurance: The Secret Wealth Strategy of the Rich with Caleb Guilliams

Apr 3, 2025

32:53

Whole Life Insurance is widely misunderstood, yet for billionaires and family offices, it’s a powerful tool for long-term financial security.

While most people see life insurance as an expense, the wealthy use Whole Life Insurance as a financial foundation—one that offers liquidity, tax-free growth, and a guaranteed rate of return.

In this episode, Caleb Guilliams, founder of BetterWealth, joins me to break down the real benefits of Whole Life Insurance—and how to use it the way the wealthy do.

We discuss why most policies are structured incorrectly, the biggest mistakes to avoid, and why banks and billionaires hold massive amounts of Whole Life Insurance as part of their asset allocation strategy.

In This Episode, You’ll Learn:

1.) Why Whole Life Insurance isn’t an investment—and how the wealthy use it to build lasting financial security.

2.) The truth about Whole Life Insurance—the key benefits, hidden pitfalls, and the biggest misconceptions that trip people up.

3.) The costly mistakes people make when setting up a Whole Life policy—and how to structure yours for maximum flexibility and returns.

Show Notes: LifestyleInvestor.com/232

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