Protect your family.
Outpace the quiet tax.
Inflation erodes every unprotected dollar. We teach families how Indexed Universal Life, annuities, and deliberate legacy planning work — in plain language, before any product ever enters the conversation.
Education first — no pressure, no jargon, no obligation.
Why families work with BTI
Four pillars, one goal: money that survives time
Protection
Coverage that keeps a family's plans intact when life doesn't cooperate.
Tax advantages
Understand tax-deferred growth and tax-efficient ways to access value.
Retirement income
Strategies for turning savings into income that can outlast the market's moods.
Generational wealth
Deliberate structures for passing more of what you built to the people you love.
Learn before you buy
Start with understanding, not an illustration
Three deep, plain-language guides to the strategies most families ask about.
Indexed Universal Life
How index crediting, caps, and floors actually work — and the costs the brochures skip.
Explore the guideAnnuities
Fixed, indexed, and MYGA contracts explained, with the questions to ask before signing.
Explore the guideWealth Transfer
Beneficiary design, trusts, and life insurance as a tax-efficient bridge between generations.
Explore the guide15+
Years of combined experience
2,400+
Families educated
100+
Partner institutions accessed
50
States served by licensed pros
Demo figures — replace with verified numbers before launch.
Interactive tools
Run your own numbers first
Free, no-signup calculators built for understanding — every result clearly labeled as hypothetical.
IUL Growth Estimator
Project hypothetical cash value across conservative, moderate, and favorable scenarios.
Retirement Income Calculator
See how long your savings could sustain the monthly income you actually want.
Insurance Needs Calculator
A DIME-method estimate of the coverage conversation worth having.
Is IUL Right for Me?
Five honest questions before anyone shows you an illustration.
Carrier access
One conversation, 100+ institutions
BTI-affiliated professionals can compare products across a wide carrier network — so the recommendation fits you, not a quota.
Meridian Life Insurance Co.
A national carrier focused on indexed universal life with a long-rated history of policyholder service.
Northgate Financial Group
Retirement-income specialists offering fixed and fixed-indexed annuities across all 50 states.
Cornerstone Mutual
A mutual insurer known for conservative product design and straightforward policy illustrations.
In their words
What families say about working with us
Real experiences from educational consultations — never scripted, never compensated unless disclosed.
“Nobody had ever actually explained how the cap and floor worked. After one session I finally understood what I'd been paying for — and what to ask next.”
Danielle R.
Educator, Texas
“We came in asking about one product and left with a clearer picture of our whole retirement income plan. No pressure, just patient explanations.”
Marcus & Elena T.
Pre-retirees, Georgia
“The beneficiary checkup alone was worth the meeting. Twenty minutes fixed something that would have been a mess for my kids.”
Pauline W.
Small business owner, Ohio
Testimonials reflect individual experiences with educational consultations and do not predict outcomes or product performance.
From the library
Featured reading
The Quiet Tax: What Inflation Does to Unprotected Savings
At 3% inflation, a dollar loses roughly half its purchasing power in 24 years. Here's how to think about protecting long-term money.
May 6, 2026
How Indexed Universal Life Actually Works
Caps, floors, participation rates — the mechanics of IUL crediting explained without jargon, plus the costs the brochures gloss over.
Apr 2, 2026
Annuities, Explained in Plain Language
Fixed, indexed, variable, and MYGA — what each type of annuity actually does, and the questions to ask before buying one.
Mar 18, 2026
Ready to understand your options?
Bring your questions. A licensed professional will walk through the concepts, your numbers, and the trade-offs — education first, always.
Educational conversations only — never a sales script, never an obligation.