Kai-Zen Central
What is Kai-Zen life Insurance?
Kai-Zen is an innovative life insurance strategy that integrates Indexed Universal Life (IUL) insurance with third-party premium financing. By leveraging bank financing at a 3:1 ratio, Kai-Zen allows you to secure a larger policy with greater death benefits, living benefits, and cash value accumulation—potentially increasing your retirement income by 60-100% compared to traditional methods.
Leveraged Premiums
💰
You contribute 25% of the premiums, while a bank funds 75%, amplifying your policy’s benefits without additional personal collateral.
Market Protection
🛡️
The IUL’s 0% floor ensures your cash value is safe from market downturns, with upside potential tied to market indices.
Tax-free Income
📈
Access cash value through tax-free policy loans and withdrawals to supplement your retirement income.
How Kai-Zen Works
1. Initial Contribution (Years 1-5)
You pay annual premiums for the first five years, typically 25% of the total, plus a small trust fee. The bank contributes the remaining 75%.
2. Bank Financing (Years 6-10)
The bank continues to fund the full premium amount, allowing the policy’s cash value to grow without further contributions from you.
3. Loan Repayment (Year 15)
The bank loan is repaid from the policy’s cash value, with no personal liability or credit checks required. The policy remains as collateral.
4. Access Benefits (Post-Year 15)
After the loan is repaid, you can access the cash value for tax-free retirement income, enjoy living benefits, or utilize the death benefit for legacy planning.
Benefits of Kai-Zen
Enhanced Retirement Income:
Potentially 60-100% more tax-free income compared to self-funded policies.
Tax Advantages:
Tax-deferred cash value growth and tax-free withdrawals via policy loans..
Market Protection:
0% floor protects against market losses, with capped upside tied to indices like the S&P 500.
No Personal Liability:
No credit checks, loan documents, or personal guarantees; the policy is the sole collateral.
Living Benefits:
Access to death benefits for terminal, chronic, or critical illnesses (where available).
Legal Protection:
Cash value is generally protected from lawsuits, bankruptcy, or creditors.
Is Kai-Zen Right For you?
Eligibility:
Requires an annual income of $100,000+, good health, and age under 65.
Commitment:
Requires consistent premium payments for the first five years.
Limited Access:
Cash value and benefits are inaccessible until the loan is repaid (typically year 15).
Complexity:
Involves multiple parties and financial mechanisms, which may require professional guidance.
Risks:
Policy performance depends on market indices and interest rates, and insufficient funding could require additional payments.
Kai-Zen is versatile...
Secure Your Adult Children's Future with Kai-Zen
Set up a tax-advantaged wealth transfer for your adult children (18+) using Kai-Zen. Fund a policy while they're young and healthy, providing them with immediate death benefit protection and access to cash value later for major life goals like buying a home or covering college expenses.
Key Employee Benefits:
Business owners, implement Kai-Zen policies for your key personnel to ensure they stay with your company for years. Take out a Kai-Zen policy on the people who make your business thrive and grow.
The Greatest Wealth Transfer!
Secure Your Adult Children's Future with Kai-Zen IUL
Set up a tax-advantaged wealth transfer for your adult children (18+) using Kai-Zen. Fund a policy while they're young and healthy, providing them with immediate death benefit protection and access to cash value later for major life goals like buying a home or covering college expenses.
Protecting families and their financial goals is our Mission!