Kai-Zen Insurance Experts

Kai-Zen Insurance: Protection for You and Your Family

Kai-Zen insurance is an innovative option that offers tailored coverage for those who want to protect the people and possessions that matter most.

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.

What is so compelling and unique about the Kai-Zen strategy?

Participant contributions are leveraged

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 Strategy

Why is Kai-Zen the right choice for you? By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means. Additional benefits include:

The Power of Leverage

How Kai-Zen Works

The Kai-Zen life insurance policy is jointly funded. The participant and bank financing both contribute. Bank financing is responsible for approximately 60-75% of total premiums to the policy.

Now, participants can realize benefits far beyond what their annual contributions alone could afford them.

Years 1-5:

The participant contributes their portion. The lender finances additional premiums into the insurance policy.

Years 11-15:

During this time, the policy has the potential to accumulate more value. The lender’s note will be satisfied by approximately the end of the 15th year.

Years 6-10:

After year five, the participant’s obligation will be complete. The lender makes the remaining premium payments.

Years 16 and Beyond:

Potential policy cash value accumulation is projected for distributions for lifestyle needs such as supplemental retirement income.


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