# How To Build a “Super Roth” Using Life Insurance - Tom Love

Page: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/how-to-build-a-super-roth-using-life-insurance-tom-love
Text version: https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823/how-to-build-a-super-roth-using-life-insurance-tom-love.md
Podcast: [BetterWealth with Caleb Guilliams](https://stenobird.com/podcast/betterwealth-with-caleb-guilliams-1059823)
Published: 2026-06-05T10:00:00+00:00
Episode link: https://betterwealth.captivate.fm/episode/how-to-build-a-super-roth-using-life-insurance-tom-love
Audio file: https://episodes.captivate.fm/episode/e23c31eb-edf8-4453-8536-3eb3a42fc53d.mp3
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JSON: https://stenobird.com/v1/public/podcasts/betterwealth-with-caleb-guilliams-1059823/episodes/how-to-build-a-super-roth-using-life-insurance-tom-love
Duration seconds: 3573

## Resource

Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance. Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3Bggo Connect with Tom Love: https://www.linkedin.com/in/tom-love/ The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/ Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 -…

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