Welcome to Kai-Zen Insurance Experts! Our website may be your very first touchpoint with Kai-Zen life insurance. Kai-Zen life insurance and retirement accounts and the benefits they provide to you and your family are considerable, and worth considering as you plan for life after work. There is so much to look forward to and you want to be ready.
Read more about what we offer here.
What Is Kai-Zen?
Kai-Zen is a program designed for high-earning individuals or professional groups like law firms, doctors, engineers, and other professionals who want extra help saving for retirement and planning their future. It’s especially useful for businesses where regular retirement savings plans aren’t possible or for groups that have already saved the maximum amount allowed but still want to save more. Kai-Zen can also be used for things like Buy-Sell plans, Key-Man Insurance, Stock Redemption, and Partner Buy Out.
Who Can Use Kai-Zen Insurance?
Kai-Zen is available to individuals and to groups, so our experts can also work directly with your business or employer. It’s a lot like when your company adds money to your 401K savings. But instead of regular matching, Kai-Zen uses money from a lender to multiply your contributions to a life insurance policy over 5 years by 3 times over 10 years.
Another cool thing about Kai-Zen is that the lender’s money is protected by the policy itself. When the loan is paid off with money from life insurance, you can access extra income and other benefits through policy loans.
With Kai-Zen, you can get more life insurance coverage than you could normally afford, and you only have to make five yearly contributions instead of paying premiums for your whole life like most insurance plans.
Who Is Eligible For Kai-Zen Plans?
Anyone aged 18 to 65! Ideal individuals are in good health and earn over $100k annually. It’s important to keep in mind that many other plans require a higher level of income just to be considered. Unfortunately, people over 65 are not good candidates for Kai-Zen.
Kai-Zen Retirement Accounts and Your Unique Needs
Sounds good so far, right? You may still have some concerns regarding your family’s unique circumstances. In this article, we will explore some of the benefits of Kai-Zen plans and how they can serve you and your loved ones well.
Unique Health Needs
There is a reason why so many doctors choose Kai-Zen as their life insurance plan of choice. It is an index life insurance policy. Both living benefits and death benefit protection is provided in the event of chronic illness and premature death. It provides important leverage when you need a bigger death benefit and assistance with supplementing your retirement. So, whatever comes your way: disability, cancer, or other chronic conditions — Kai-Zen Insurance Experts can set you up to live comfortably and at peace with financial concerns.
Unique Family Needs
The Kai-Zen plan creates better financial protection for you and your family. How? By using bank leverage. Every dollar you contribute to your policy gives you the ability to use up to three dollars to get more than you could without leverage.
Traditional policies do not offer the same potential accumulation of cash value. You get a policy that minimizes the cost of insurance and maximizes your potential tax-deferred growth.
Unique Increased Income Needs
Want to approach retirement with the same advantages as a high net-worth individual? The Kai-Zen strategy is available for people earning $100k or more a year. But they can get the same advantages as high-net-worth individuals with a net worth of $5 million or higher. Now that’s smart retirement planning.
[H3] Unique Tax Advantage Needs
The value provided by a Kai-Zen life insurance plan includes the ability to accumulate more growth and obtain more protection. The benefits of more growth include:
- Upside crediting (subject to a cap).
- No negative returns due to market decline.
- Tax-free distributions with the potential to access cash value using tax-free policy loans.
Unique Inflation Needs
So, how do rising interest rates and inflation impact Kai-Zen plans? The short answer is: not much.
High-income earners can use premium financing to augment their more traditional retirement plans while minimizing substantial tax ramifications. Here is a great video on the subject.
Another great advantage is that your policy is also protected from stock market risk. Your principal will not disappear due to stock market losses.
It’s Time To Book Your Consultation
To conclude: Kai-Zen life insurance and retirement accounts offer many unique advantages. These plans are considered highly stable, with tax-free cash streams once the bank is paid back. This is a wonderful way to prepare for the best years of your life.
We’d love to set up some time to go into more detail with you. Book a consultation now and we will share more personal details on how a Kai-Zen plan can change your life, and the lives of your family, for the better.
