Benefits That Provide More for Your Retirement

If you are concerned about your retirement and don’t think you are saving enough, you will realize how the Kai-Zen strategy is a better and smarter way to fund the retirement you dreamed of.   Kai-Zen utilizes financing as a way to supplement the funding you have available to buy more of the benefits you need.  The ultimate result is more financial comfort than savings and traditional life insurance alone.

Utilize your capital to increase benefitsDeath Benefit Protection

A permanent life insurance policy with living benefit riders* that can provide benefits in the case of:

Critical Illness (Cancer, Heart Attack, Stroke, etc.)

Critical Injury (Coma, Brain Injury, Paralysis, Burns)

Chronic illness (assistance with daily living, bathing, eating, dressing, transferring, etc.)

Terminal illness (illness where death is expected within 12-24 months. Term varies by state.)

*Net of loan repayment, riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless there is a need for life insurance.

Cash Accumulation**

  • Upside Crediting Potential (Interest Credited Based On Market Index)
  • No Loss of Cash Value, 0% Floor (Due To Declines In An Index)
  • Potential Growth Tax-deferred
  • Potential Tax-free Withdrawal (Access to cash value using Tax-Free policy loans and withdrawals)
*Policy loans and withdrawals reduce the cash value and death benefit and may result in a taxable event if the policy is surrendered or lapses.

The Use of Leverage

Using leverage is a very common practice for most people. We use leverage to finance a home, buy investment property, or buy a business. So it would make sense to use leverage to enhance your benefits.

Think of leverage in the following ways. You purchase items today with the hope that they will appreciate in value. Leverage allows you to enjoy more, sooner, and for a longer period of time. Some examples of this would be:

  • You use leverage to buy a bigger house today.
  • You use leverage to purchase an investment property to rent or flip.
  • You use a loan to expand a business without tying up your cash flow.

The decision to use leverage is driven by the idea that the money you contribute will grow at a higher rate of return than the cost of borrowing.  And, at the very least, you get to enjoy the benefits of these purchases today. With Kai-Zen you can use leverage to obtain more benefits today and potential cash accumulation for your retirement future





*Receipt of benefits depends on rider and meeting certain qualifications and varies by state. The use of one benefit may reduce or eliminate other policy and rider benefits. Payment of living benefits will reduce the cash value and death benefit. Substantial tax ramifications could result upon contract lapse or surrender.
**Surrender charges may reduce the policy’s cash value in early years. It is possible that coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage. The Kai-Zen Strategy is dependent on the employer making contributions for the first 5 years and not defaulting on the payment commitment, failure of which could result in policy lapse. The employee will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released.  This can be done at any time but must come first. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. Receipt of accelerated benefits may be taxable and may affect eligibility for public assistance programs. This information is not intended as tax advice. Please consult with your tax advisor regarding your own situation. Not all riders are available by all life insurance companies.