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You contribute 25% of the premiums, while a bank funds 75%, amplifying your policy’s benefits without additional personal collateral.

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The IUL’s 0% floor ensures your cash value is safe from market downturns, with upside potential tied to market indices.

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Access cash value through tax-free policy loans and withdrawals to supplement your retirement income.

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%.

The bank continues to fund the full premium amount, allowing the policy’s cash value to grow without further contributions from you.

The bank loan is repaid from the policy’s cash value, with no personal liability or credit checks required. The policy remains as collateral.

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.

Potentially 60-100% more tax-free income compared to self-funded policies.

Tax-deferred cash value growth and tax-free withdrawals via policy loans..

0% floor protects against market losses, with capped upside tied to indices like the S&P 500.

No credit checks, loan documents, or personal guarantees; the policy is the sole collateral.

Access to death benefits for terminal, chronic, or critical illnesses (where available).

Cash value is generally protected from lawsuits, bankruptcy, or creditors.

Requires an annual income of $150,000+ or minimum $2 million net worth, fairly good health, and ages 18- 65.

Requires consistent minimum premium payments of $21,000 for the first five years.

Cash value and benefits are inaccessible until the loan is repaid (typically year 15).

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.

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.