What is Kai-Zen?<\/h2>\n<\/div>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n

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.<\/p>\n

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.<\/p>\n

[\/vc_column_text][vc_empty_space height=”10px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text css=”.vc_custom_1635184656421{margin-bottom: 14px !important;}”]<\/p>\n

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How it Works<\/h2>\n<\/div>\n

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.<\/strong> As an additional protection, Kai-Zen\u2019s structure is also set up to protect your benefits in the event of employer bankruptcy.<\/p>\n

By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_empty_space height=”10px”][vc_single_image image=”841″ img_size=”full” image_hovers=”false”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]This concept is not much different than financing a house \u2013 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<\/strong> of losses (due to declines in a market index).<\/p>\n

NIW, Kai-Zen\u2019s developer, conducts \u201cstress testing\u201d 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\u2019s. 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.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1635185407737{padding-top: 10px !important;padding-bottom: 20px !important;background-color: #f7f7f7 !important;}”][vc_column][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n

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Kai-Zen Informational Videos<\/h2>\n<\/div>\n

[\/vc_column_text][vc_empty_space height=”20px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/3″][vc_raw_html css=”.vc_custom_1635183742964{margin-bottom: 10px !important;}”]JTNDdmlkZW8lMjB3aWR0aCUzRCUyMjEwMCUyNSUyMiUyMGhlaWdodCUzRCUyMjIyNCUyMiUyMGNvbnRyb2xzJTNFJTBBJTIwJTIwJTNDc291cmNlJTIwc3JjJTNEJTIyJTJGd3AtY29udGVudCUyRnVwbG9hZHMlMkYyMDIwJTJGMDMlMkZLYWktWmVuLVBoeXNpY2lhbi1CaWxsLUZqZXJhbi1Dby1CcmFuZGVkLm1wNCUyMiUyMHR5cGUlM0QlMjJ2aWRlbyUyRm1wNCUyMiUzRSUwQSUzQyUyRnZpZGVvJTNF[\/vc_raw_html][vc_column_text]<\/p>\n

Physicians – See what Kai-Zen is <\/a><\/h4>\n

And how it works. This could save you hundreds of thousands of dollars in savings and taxes<\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_video link=”https:\/\/youtu.be\/mGwxescYcHA” align=”center” css=”.vc_custom_1591208421191{margin-bottom: 20px !important;}”][vc_column_text]<\/p>\n

Executives – See what Kai-Zen is<\/a><\/h4>\n

And how it works and how it can provide tax free income at retirement<\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][vc_video link=”https:\/\/youtu.be\/D0U2L1y8AuY” align=”center” css=”.vc_custom_1591208682592{margin-bottom: 20px !important;}”][vc_column_text]<\/p>\n

What people are saying<\/a><\/h4>\n

Here’s what clients of Kai-Zen are saying.<\/p>\n

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Do you want to see if you qualify for Kai-Zen?<\/h3>\n

Yes<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n

How can I learn more?<\/h3>\n

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 \u201cEstimate my Benefits\u201d section you\u2019ll 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.<\/p>\n

If you want to access this online portal, Click Here<\/a> 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.
\nAfter sending this email we will send you the link enabling you to view all aspects of Kai-Zen.<\/p>\n

All information will be kept in confidence and will not be shared with anyone.<\/p>\n

To look at the Kai-Zen brochure Click Here<\/a><\/p>\n

For your personal illustration, questions or more information Click Here<\/a>[\/vc_column_text][vc_empty_space height=”20px”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1634579483264{padding-top: 20px !important;padding-bottom: 30px !important;background-color: #f7f7f7 !important;}”][vc_column width=”1\/6″][\/vc_column][vc_column width=”2\/3″][vc_toggle title=”Have A Question?” style=”arrow” el_class=”bottom-section-form”]<\/p>\n

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