Caleb Guilliams

In this debate, financial experts Caleb Guilliams and Jim Dew tackle the contentious topic of whole life insurance and infinite banking. Caleb, a financial advisor and founder of BetterWealth, argues for strategic insurance use, while Jim, a wealth advisor at Dew Wealth Management, emphasizes practicality. They discuss the hype surrounding infinite banking, reveal common misconceptions, and critique the math that often leads to misunderstanding. Their insights into alternatives for accessing capital and the integration of insurance into financial plans are especially noteworthy.

Caleb Guilliams, founder of BetterWealth.com, advocates for whole life insurance as a strategic financial tool. Jim Dew, from Dew Wealth Management, brings 30 years of expertise serving entrepreneurs. Together, they dissect the pros and cons of whole life vs. term insurance. They highlight the complexity and common pitfalls of insurance sales tactics. The duo debates the suitability of whole life for investors, emphasizing timing, opportunity costs, and the importance of policy design while also flagging some products to avoid.