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The KAI-ZEN Strategy for High-Income Families



To maintain a current lifestyle in retirement, it is important to have a proactive strategy that puts more money toward protecting future income, without putting a drain on current finances. The Kai-Zen strategy uses leverage to help you acquire more of the benefits needed to financially protect yourself and your family. Its unique fusion of financing and life insurance offers more protections and the potential to earn up to 60% -100% more for retirement than one could obtain without leverage.


The Kai-Zen strategy allows you to maintain your current lifestyle in the event of a chronic, critical or terminal illness, premature death, or if your retirement savings prove to be insufficient. Protecting your earnings is critical to insuring your ability to save for retirement. Due to contribution limitations, traditional retirement plans are typically insufficient for high-income earners.




By using bank financing, the Kai-Zen strategy allows you to reap incredible benefits while staying within your contributory means. Much like the process of using a bank mortgage to leverage assets to purchase a home; money is borrowed to buy more house (or with Kai-Zen, more benefits) than one could purchase with assets on hand.


The amount funded into the policy has the potential for reasonable growth within the framework of a market index, but without the risk of loss due to declines in the index. Another significant benefit is the policy’s cash value is used as the sole collateral for the loan. In addition, there are no credit checks, loan documents to sign, interest payments, or personal guarantees.










Compare Kai-Zen to what you could afford using your own money. With Kai-Zen, you are getting a life insurance policy with a larger death benefit, more living benefit protections, and the potential for even more cash accumulation without the risk of losses.













When deciding whether a financed insurance solution is right for you, it is important to understand how the strategy performs in various market conditions. The future is unknown, but looking at the past uncovers some common patterns we can use to our benefit to plan for the future.    




Are you concerned you aren’t saving enough money for retirement? The Kai-Zen strategy provides you a superior and smarter way to fund the retirement you’ve 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 a higher level of financial comfort than could be found with savings and traditional life insurance alone. This program is normally best for those individuals between the ages of 35 to 55, with a family income of at least $200,000 per year or more.

To ESTIMATE YOUR BENEFITS, see if you qualify, and Learn More About KAI-ZEN, please visit

Should you have some questions you would like to discuss, please email me or give me a call.

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