Kai-Zen

• 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.

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.

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.