Compare Kai-Zen to What You Could Afford Using Your Own Money

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).

As you can see from the chart below, the addition of bank funding gives you the potential to significantly enhance the funds available for benefits.

Example: Self Funded vs. Kai-Zen