KAI-ZEN STRATEGY
Kai-Zen® offers up to an additional 3 times more money to fund your retirement plan through a unique cash-accumulating strategy that uses leverage.
The Kai-Zen strategy combines bank financing and participant or employer contributions to fund premiums. The bank provides the majority of the plan's contribution, with the life insurance policy securing the loan. No financial underwriting or loan documents are required. Additionally, the strategy safeguards benefits in the event of employer bankruptcy. By leveraging bank financing, Kai-Zen enables you to achieve exceptional benefits while keeping contributions affordable.
How It Works
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If your retirement savings won't give you the lifestyle you want...
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If you're not willing to take on more risk for a higher return to maintain your lifestyle in retirement...
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If you're unable to save more today and still maintain your current lifestyle...
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If your current savings will require you to work past 65 to reach your retirement goals...
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If you're unwilling to reduce your standard of living if you or your spouse face a serious illness...
If this is you, you'll want to take a serious look at Kai-Zen.
For Those Who Are Serious About Their Financial Future
Required Qualifications
Your combined household income is at least 100k per year.
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You are between the ages of 18-65.
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You are in average or good health.
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You can contribute a minimum of $22k per year for 5 years after.
Proven Track Record
Kai-Zen is similar to financing a home; it uses borrowed money to secure a life insurance policy with a larger death benefit, more living benefits, and potential for cash accumulation without market risk. NIW, the developer, stress-tests all designs using simulations of harsh economic periods to ensure they’re resilient. This process guides the selection of optimal products and loan terms, resulting in high-quality, durable designs that have supported over $5 billion in loans over the past 20 years.
