At Insurance and Estates, we don’t do conventional.
Most insurance websites regurgitate the same safe advice. We exist because we believe you deserve better — real education from real practitioners who use these strategies themselves. Our goal is to give you the information the institutions would rather you didn’t have, so you can make decisions based on clarity, not confusion.
We understand you have options. Here’s why thousands trust I&E: hundreds of 5-star reviews, the most comprehensive Infinite Banking resource library on the web, and a team of advisors who actually practice what they teach.
Our editorial process
Every piece of content on insuranceandestates.com is developed by a team of licensed professionals with direct experience in the strategies we write about.
Our editorial team includes estate planning attorneys, licensed insurance professionals, and IBC practitioners — each bringing specialized expertise to ensure accuracy and depth. Content is authored by qualified team members and reviewed by additional licensed professionals before publication.
We don’t hire freelance writers to research topics they’ve never practiced. The people writing our content are the same people helping clients implement these strategies every day.
Sources and citations
Our content draws from:
- Practitioner experience — Our team collectively holds decades of experience placing life insurance, structuring IBC policies, and advising on estate planning strategies. We write from what we’ve seen work, not theory.
- Industry data — Market research from the Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), and LIMRA provides additional context to our own experience.
- Third-party experts — When a topic falls outside our team’s direct expertise, we consult with qualified professionals and verify their credentials before publishing.
- Internal company data — I&E has helped hundreds of clients and placed many millions of dollars in life insurance coverage. We cite our own experience where relevant.
All sources are credited. If we reference it, we stand behind it.
What we cover
We write about cash value life insurance, infinite banking, Volume-Based Banking, annuities, long-term care insurance, estate planning, retirement planning, debt elimination, and wealth building strategies. Every article goes deep on a specific subject to give you information that’s accurate, actionable, and different from what you’ll find on conventional financial sites.
Accuracy and fact-checking
Every article is reviewed by multiple licensed professionals before publication. Our team includes attorneys and agents with specialized designations who verify both technical accuracy and real-world applicability. We don’t publish until the people who practice these strategies confirm the content is right.
Customer reviews
Our customer reviews are collected through Trustpilot, a third-party review platform. We invite every client to share their experience. I&E cannot edit reviews or decide which ones are published. What you see is what our clients actually said.
Updating, correcting, and deleting content
We actively maintain our content library. Articles are updated regularly to reflect current rates, regulations, and strategies. Errors are corrected promptly — we invite readers to flag anything that looks off. If an article no longer serves our readers, we remove it rather than leave outdated information standing.
How does I&E make money?
I&E is an independent insurance agency representing multiple top-rated carriers. When a client purchases a policy, we earn a commission from the insurance company — not from you.
You pay no additional premium, no fees, and no markup for working with us. All insurance rates are filed with state Departments of Insurance and cannot be altered. The price is the same whether you buy through us or directly from the insurer.
What you get by working with I&E that you won’t get going direct: expert guidance from qualified advisors, access to multiple carriers so your policy fits your goals (not a company’s sales quota), hands-on support through the entire application process, and ongoing strategic partnership as your life evolves.
All of that at no extra cost.