If you are serious about your financial future, you should know the answer to these questions.

  • Will your lifetime of saving for retirement provide you the lifestyle you desire?
  • Are you willing to put more of your money at risk for a potentially higher rate of return to ensure you can maintain your lifestyle throughout your retirement?
  • Can you SAVE more money today than you are currently saving and still maintain your current lifestyle?
  • Based on what you are currently saving for retirement, can you work beyond 65 to reach your retirement goals?
  • Are you willing to reduce your standard of living if you or your spouse suffered an unexpected chronic, critical, or terminal illness?

If your answers are a lot of no’s, then maybe you should look at…. Kai-Zen.

What is Kai-Zen?

Kai-Zen is a strategy that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement. Protecting your earnings is critical to insuring your ability to save for retirement. Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.

Kai-Zen is the ONLY strategy that uses leverage to help you acquire more of the benefits you need to financially protect you and your family. Its unique fusion of financing and life insurance offers you more protections and the potential to earn more for retirement than you could obtain without leverage.

How it Works

The Kai-Zen strategy is simple. Premiums are jointly funded by bank financing and the participant or employer. The bank financing provides the majority of the total contribution to the plan, and the life insurance policy itself is the full security for the loan. This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign any loan documents. As an additional protection, Kai-Zen’s structure is also set up to protect your benefits in the event of employer bankruptcy.

By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means.

This concept is not much different than financing a house – you use a mortgage to leverage the assets you have on hand to buy more house than you could afford on your own. Money is borrowed to buy more house, or with Kai-Zen, more benefits. With Kai-Zen, you are buying a life insurance policy with a larger death benefit, more living benefit protections, and the potential for more cash accumulation without the risk of losses (due to declines in a market index).

NIW, Kai-Zen’s developer, conducts “stress testing” on all their designs before making them available to the market. When stress testing, potential designs undergo simulations of harsh economic time periods, like The Great Depression or the high interest 80’s. They use this testing to educate clients so that they can anticipate potential changes in the market. Most importantly, this rigorous process guides the selection of optimal products and loan terms, allowing NIW to deliver designs of the highest quality and durability and has done so for the last 20 years with over $5 Billion in loans.

Kai-Zen Informational Videos

Physicians – See what Kai-Zen is

And how it works. This could save you hundreds of thousands of dollars in savings and taxes

Executives – See what Kai-Zen is

And how it works and how it can provide tax free income at retirement

What people are saying

Here’s what clients of Kai-Zen are saying.

Do you want to see if you qualify for Kai-Zen?

How can I learn more?

If you are interested in learning more about what Kai-Zen can do for you, we will send you a link where you can roam freely through the site of a specially designed on-line portal where you will fully experience all the aspects of Kai-Zen via videos and understand how, why and how does this work for me and in the “Estimate my Benefits” section you’ll be able to enter different contributions to see how it will affect your outcome and compare it against other retirement vehicles, including your tax-free income at retirement.

If you want to access this online portal, Click Here for the information needed to continue. After receiving this information, we will send you an email with information on the link and what to look for.
After sending this email we will send you the link enabling you to view all aspects of Kai-Zen.

All information will be kept in confidence and will not be shared with anyone.

To look at the Kai-Zen brochure Click Here

For your personal illustration, questions or more information Click Here